Financial Wellness Quotes

There is a particular kind of pain, elation, loneliness, and terror involved in this kind of madness. When you're high it's tremendous. The ideas and feelings are fast and frequent like shooting stars, and you follow them until you find better and brighter ones. Shyness goes, the right words and gestures are suddenly there, the power to captivate others a felt certainty. There are interests found in uninteresting people. Sensuality is pervasive and the desire to seduce and be seduced irresistible. Feelings of ease, intensity, power, well-being, financial omnipotence, and euphoria pervade one's marrow. But, somewhere, this changes. The fast ideas are far too fast, and there are far too many; overwhelming confusion replaces clarity. Memory goes. Humor and absorption on friends' faces are replaced by fear and concern. Everything previously moving with the grain is now against-- you are irritable, angry, frightened, uncontrollable, and enmeshed totally in the blackest caves of the mind. You never knew those caves were there. It will never end, for madness carves its own reality.

Unless today is well lived, tomorrow is not important.

I know you, I know you. You're the only serious person in the room, aren't you, the only one who understands, and you can prove it by the fact that you've never finished a single thing in your life. You're the only well-educated person, because you never went to college, and you resent education, you resent social ease, you resent good manners, you resent success, you resent any kind of success, you resent God, you resent Christ, you resent thousand-dollar bills, you resent Christmas, by God, you resent happiness, you resent happiness itself, because none of that's real. What is real, then? Nothing's real to you that isn't part of your own past, real life, a swamp of failures, of social, sexual, financial, personal...spiritual failure. Real life. You poor bastard. You don't know what real life is, you've never been near it. All you have is a thousand intellectualized ideas about life. But life? Have you ever measured yourself against anything but your own lousy past? Have you ever faced anything outside yourself? Life! You poor bastard.

Not having money to spend doesn’t mean we can’t have well-spent moments every day. (42)

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.

When I was very young and in the cave of Trophonius I forgot to laugh. Then, when I got older, when I opened my eyes and saw the real world, I began to laugh and I haven’t stopped since. I saw that the meaning of life was to get a livelihood, that the goal of life was to be a High Court judge, that the bright joy of love was to marry a well-off girl, that the blessing of friendship was to help each other out of a financial tight spot, that wisdom was what the majority said it was, that passion was to give a speech, that courage was to risk being fined 10 rix-dollars, that cordiality was to say ‘You’re welcome’ after a meal, and that the fear of God was to go to communion once a year. That’s what I saw. And I laughed.

If the financial system has a defect, it is that it reflects and magnifies what we human beings are like. Money amplifies our tendency to overreact, to swing from exuberance when things are going well to deep depression when they go wrong. Booms and busts are products, at root, of our emotional volatility.

I think the difference between a lie and a story is that a story utilizes the trappings and appearance of truth for the interest of the listener as well as of the teller. A story has in it neither gain nor loss. But a lie is a device for profit or escape. I suppose if that definition is strictly held to, then a writer of stories is a liar - if he is financially fortunate.

Let me list for you some of the many ways in which you might be afraid to live a more creative life: You’re afraid you have no talent. You’re afraid you’ll be rejected or criticized or ridiculed or misunderstood or—worst of all—ignored. You’re afraid there’s no market for your creativity, and therefore no point in pursuing it. You’re afraid somebody else already did it better. You’re afraid everybody else already did it better. You’re afraid somebody will steal your ideas, so it’s safer to keep them hidden forever in the dark. You’re afraid you won’t be taken seriously. You’re afraid your work isn’t politically, emotionally, or artistically important enough to change anyone’s life. You’re afraid your dreams are embarrassing. You’re afraid that someday you’ll look back on your creative endeavors as having been a giant waste of time, effort, and money. You’re afraid you don’t have the right kind of discipline. You’re afraid you don’t have the right kind of work space, or financial freedom, or empty hours in which to focus on invention or exploration. You’re afraid you don’t have the right kind of training or degree. You’re afraid you’re too fat. (I don’t know what this has to do with creativity, exactly, but experience has taught me that most of us are afraid we’re too fat, so let’s just put that on the anxiety list, for good measure.) You’re afraid of being exposed as a hack, or a fool, or a dilettante, or a narcissist. You’re afraid of upsetting your family with what you may reveal. You’re afraid of what your peers and coworkers will say if you express your personal truth aloud. You’re afraid of unleashing your innermost demons, and you really don’t want to encounter your innermost demons. You’re afraid your best work is behind you. You’re afraid you never had any best work to begin with. You’re afraid you neglected your creativity for so long that now you can never get it back. You’re afraid you’re too old to start. You’re afraid you’re too young to start. You’re afraid because something went well in your life once, so obviously nothing can ever go well again. You’re afraid because nothing has ever gone well in your life, so why bother trying? You’re afraid of being a one-hit wonder. You’re afraid of being a no-hit wonder

The same thing happened to me that, according to legend, happened to Parmeniscus, who in the Trophonean cave lost the ability to laugh but acquired it again on the island of Delos upon seeing a shapeless block that was said to be the image of the goddess Leto. When I was very young, I forgot in the Trophonean cave how to laugh; when I became an adult, when I opened my eyes and saw actuality, then I started to laugh and have never stopped laughing since that time. I saw that the meaning of life was to make a living, its goal to be- come a councilor, that the rich delight oflove was to acquire a well-to-do girl, that the blessedness of friendship was to help each other in financial difficulties, that wisdom was whatever the majority assumed it to be, that enthusiasm was to give a speech, that courage was to risk being fined ten dollars, that cordiality was to say "May it do you good" after a meal, that piety was to go to communion once a year. This I saw, and I laughed.

I believe in the supreme worth of the individual and in his right to life, liberty and the pursuit of happiness. I believe that every right implies a responsibility; every opportunity, an obligation; every possession, a duty. I believe that the law was made for man and not man for the law; that government is the servant of the people and not their master. I believe in the dignity of labor, whether with head or hand; that the world owes no man a living but that it owes every man an opportunity to make a living. I believe that thrift is essential to well-ordered living and that economy is a prime requisite of a sound financial structure, whether in government, business or personal affairs. I believe that truth and justice are fundamental to an enduring social order. I believe in the sacredness of a promise, that a man's word should be as good as his bond, that character—not wealth or power or position—is of supreme worth. I believe that the rendering of useful service is the common duty of mankind and that only in the purifying fire of sacrifice is the dross of selfishness consumed and the greatness of the human soul set free. I believe in an all-wise and all-loving God, named by whatever name, and that the individual's highest fulfillment, greatest happiness and widest usefulness are to be found in living in harmony with His will. I believe that love is the greatest thing in the world; that it alone can overcome hate; that right can and will triumph over might.

Though I was having a blissful moment of being happy and content, I had one of those stray ideas you get at odd moments. I thought,How nice it would be if Eric were here with me in the car. He'd look so good with the wind blowing his hair, and he'd enjoy the moment . Well, yeah, before he burned to a crisp. But I realized I'd thought of Eric because it was the kind of day you wanted to share with the person you cared about, the person whose company you enjoyed the most. And that would be Eric as he'd been while he was cursed by a witch: the Eric who hadn't been hardened by centuries of vampire politics, the Eric who had no contempt for humans and their affairs, the Eric who was not in charge of many financial enterprises and responsible for the lives and incomes of quite a few humans and vampires. In other words, Eric as he would never be again.

There is no reason for worry about financial affairs. Every person who wills to do so may rise above his want, have all he needs, and become rich.

He knows how to market himself well. Nowadays, that's all that seems to count. He's rebellious in a way that appeals to people with vain, shallow taste. So of course he manipulates his audiences with the blessing of his recording company and the financial investors behind his brand.

Money has a spiritual correlation. What we do with money and how we impact the world through our spending, saving and investing…. It has spiritual consequences.

Ironically, the universities have trained hundreds of thousands of graduates for jobs that soon will not exist. They have trained people to maintain a structure that cannot be maintained. The elite as well as those equipped with narrow, specialized vocational skills, know only how to feed the beast until it dies. Once it is dead, they will be helpless. Don’t expect them to save us. They do not even know how to ask the questions, And when it all collapses, when our rotten financial system with its trillions in worthless assets implode and our imperial wars end in humiliation and defeat, the power elite will be exposed as being as helpless, and as self-deluded, as the rest of us.

How can well-educated, high-income people be so naive about money? Because being a well-educated, high-income earner does not automatically translate into financial independence. It takes planning and sacrificing.

Let us return to pathemata mathemata (learning through pain) and consider its reverse: learning through thrills and pleasure. People have two brains, one when there is skin in the game, one when there is none. Skin in the game can make boring things less boring. When you have skin in the game, dull things like checking the safety of the aircraft because you may be forced to be a passenger in it cease to be boring. If you are an investor in a company, doing ultra-boring things like reading the footnotes of a financial statement (where the real information is to be found) becomes, well, almost not boring.

Your assets are your employees. Invest more on those performing well. Let the non performers go.

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

The value of a business is a function of how well the financial capital and the intellectual capital are managed by the human capital. You'd better get the human capital part right.

Nine had heard whisperings that the secretive Bilderberg Group was effectively the World Government, undermining democracy by influencing everything from nations' political leaders to the venue for the next war. He recalled persistent rumors and confirmed media reports that the Bilderberg Group had such luminaries as Barack Obama, Prince Charles, Bill Gates, Rupert Murdoch, Tony Blair, Bill and Hillary Clinton, George Bush Sr. and George W. Bush. Other Bilderberg members sprung forth from Nine’s memory bank. They included the founders and CEOs of various multinational corporations like Facebook, BP, Google, Shell and Amazon, as well as almost every major financial institution on the planet.

Normally, when you challenge the conventional wisdom—that the current economic and political system is the only possible one—the first reaction you are likely to get is a demand for a detailed architectural blueprint of how an alternative system would work, down to the nature of its financial instruments, energy supplies, and policies of sewer maintenance. Next, you are likely to be asked for a detailed program of how this system will be brought into existence. Historically, this is ridiculous. When has social change ever happened according to someone’s blueprint? It’s not as if a small circle of visionaries in Renaissance Florence conceived of something they called “capitalism,” figured out the details of how the stock exchange and factories would someday work, and then put in place a program to bring their visions into reality. In fact, the idea is so absurd we might well ask ourselves how it ever occurred to us to imagine this is how change happens to begin.

mainly thinking, well, I'm still alive and have the ability to expel wastes from my body and poems. and as long as that's happening I have the ability to handle betrayal loneliness hangnail clap and the economic reports in the financial section.

Well, the results are in, and once again Microsoft CEO Bill Gates is the richest man in America. Gates says he is grateful for his huge financial success, but it still makes him sad when he looks around and sees other people with any money whatsoever.

There was a particular sort of indignity that came along with being simultaneously well-educated and in dire straits financially.

Don't get me wrong. A good marriage, adequate financial resources, even a clean home and well-behaved children do bring some measure of happiness. However, temporal blessings, as wonderful as they may be, are only a taste of the real thing. They cannot sustain inner happiness any more than eating a scrumptious meal keeps tomorrow's hunger at bay.

To make a real independent film where the filmmaker is in charge creatively, one must sacrifice personal, financial, and physical well-being.

So if you want to be rich and maintain your wealth, it’s important to be financially literate, in words as well as numbers. The

You seem to be bankrupt - morally as well as financially

Though debts are condemned in the financial world, the world of friendship and love may perversely depend on well-managed debts.

American people, always in search of a bargain in the name of "saving money," send the money they earn to countries that produce these low-cost bargains. That money costs them their jobs and as well as our country’s wealth.

...if I try to make only enough money for my family' immediate needs, it may violate Scripture. ...Even though earning just enough to meet the needs of my family may seem nonmaterialistic, it's actually selfish when I could earn enough to care for others as well.

In theory, the risk of business failure can be reduced to a number, the probability of failure multiplied by the cost of failure. Sure, this turns out to be a subjective analysis, but in the process your own attitudes toward financial risk and reward are revealed. By contrast, personal risk usually defies quantification. It's a matter of values and priorities, an expression of who you are. "Playing it safe" may simply mean you do not weigh heavily the compromises inherent in the status quo. The financial rewards of the moment may fully compensate you for the loss of time and fulfillment. Or maybe you just don't think about it. On the other hand, if time and satisfaction are precious, truly priceless, you will find the cost of business failure, so long as it does not put in peril the well-being of you or your family, pales in comparison with the personal risks of no trying to live the life you want today. Considering personal risk forces us to define personal success. We may well discover that the business failure we avoid and the business success we strive for do not lead us to personal success at all. Most of us have inherited notions of "success" from someone else or have arrived at these notions by facing a seemingly endless line of hurdles extending from grade school through college and into our careers. We constantly judge ourselves against criteria that others have set and rank ourselves against others in their game. Personal goals, on the other hand, leave us on our own, without this habit of useless measurement and comparison. Only the Whole Life Plan leads to personal success. It has the greatest chance of providing satisfaction and contentment that one can take to the grave, tomorrow. In the Deferred Life Plan there will always be another prize to covet, another distraction, a new hunger to sate. You will forever come up short.

There is a kind of bravery to our condition, I reckon: brought into being without an explanation, in a potentially infinite and apparently dead universe, and expected to just get on with it as though nothing strange is going on. Well it fucking is. And it's all right to have a meltdown about the whole affair from time to time, faced with the pressures of modern existence, trying to be a good human and a good worker and a good son/daughter/parent, trying to be a good citizen, trying to be wise without condescension but uninhibited without recklessness, trying to just muddle through without making any silly decisions, trying to align with the correct political opinions, trying to stay thin, trying to be attractive, trying to be smart, trying to find the ideal partner, trying to stay financially secure, trying to just find some modest corner of meaning and belonging and sanity to go and sit in, and all the while living on the edge of dying forever.

As with most people who are well raised, well educated, and financially secure, Dr. Tokai only thought of himself.

I have done well enough financially that I don’t have to play 24 × 7 × 365. I can and have cut back to 18 × 7 × 365. Family first, now.

Likewise, you can’t live a truly productive, contented, and joy-filled life while your finances are in complete disarray. A Good Life and financial stability go hand in hand.

The national interest cannot be defined as a common interest of the industrial, commercial, and financial companies of a country, because there is no such common interest; nor can it be defined as the life, liberty, and well-being of the citizens, because they are continually being adjured to sacrifice their well-being, their liberty, and their lives to the national interest. In the end a study of modern history leads to the conclusion that the national interest of every State consists in its capacity to make war.

All zoos, even the most enlightened, are built upon the idea both beguiling and repellent—the notion that we can seek out the wildness of the world and behold its beauty, but that we must first contain that wildness. Zoos argue that they are fighting for the conservation of the Earth, that they educate the public and provide refuge and support for vanishing species. And they are right. Animal-rights groups argue that zoos traffic in living creatures, exploiting them for financial gain and amusement. And they are right. Caught inside this contradiction are the animals themselves, and the humans charged with their well-being.

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.

Part of what existence means to me is knowing the difference between what I am now and what I was then. It is being capable of looking after myself intellectually as well as financially. It is being able to tell when I am being wronged and by whom. It means being awake to protect myself and the ones I love. It means being a part of the world community, and being alert to which part it is that I have joined, and knowing how to change to another part if that part does not suit me. To know is to exist: to exist is to be involved, to move about, to see the world with my own eyes. This, at least, the Movement has given me.

Financial resilience isn’t just about money; it’s about building the inner strength to face life’s storms and setbacks.

In holistic wealth coaching, we work not just to achieve financial goals, but to heal money wounds, build resilience, and find joy in every aspect of life.

Knowing your financial identity is just the start—holistic wealth coaching helps you unlock the power within to thrive on your unique path.

Yesterday is but a dream, And tomorrow is only a vision. But today well lived makes every yesterday a dream of happiness, And every tomorrow a vision of hope. —

I am so well prepared financially that I have money in a range of currencies that no longer exist. I

Much of modern life is based upon a false logic, a logic that assumes that happiness and well-being come from financial prosperity.

Holistic Wealth Coaching isn’t just about financial success; it’s about helping clients build a balanced life that aligns with their deepest values and dreams.

Relationships never provide you with everything. They provide you with some things. You take all the things you want from a person - sexual chemistry, let's say, or good conversation, or financial support, or intellectual compatibility, or niceness, or loyalty - and you get to pick three of those things. Three - that's it. Maybe four, if you're very lucky. The rest you have to look for elsewhere. It's only in the movies that you find someone who gives you all of those things. But this isn't the movies. In the real world, you have to identify which three qualities you want to spend the rest of your life with, and then you look for those qualities in another person. That's real life. Don't you see it's a trap? If you keep trying to find everything, you'll wind up with nothing.' ...At the time, he hadn't believed these words, because at the time, everything really did seem possible: he was twenty-three, and everyone was young and attractive and smart and glamorous. Everyone thought they would be friends for decades, forever. But for most people, of course, that hadn't happened. As you got older, you realized that the qualities you valued in the people you slept with or dated weren't necessarily the ones you wanted to live with, or be with, or plod through your days with. If you were smart, and if you were lucky, you learned this and accepted this. You figured out what was most important to you and you looked for it, and you learned to be realistic. They all chose differently: Roman had chosen beauty, sweetness, pliability; Malcolm, he thought, had chosen reliability, and competence...and aesthetic compatibility. And he? He had chosen friendship. Conversation. Kindness, Intelligence. When he was in his thirties, he had looked at certain people's relationships and asked the question that had (and continued to) fuel countless dinner-party conversations: What's going on there? Now, though, as an almost-forty-eight-year-old, he saw people's relationships as reflections of their keenest yet most inarticulable desires, their hopes and insecurities taking shape physically, in the form of another person. Now he looked at couples - in restaurants, on the street, at parties - and wondered: Why are you together? What did you identify as essential to you? What's missing in you that you want someone else to provide? He now viewed a successful relationship as one in which both people had recognized the best of what the other person had of offer and had chosen to value it as well.

The most recent global financial crisis reminded the current generation of the lessons that their grandparents had learned in the Great Depression: the self-regulating economy does not always work as well as its proponents would like us to believe.

On a more personal level, it is very likely that at some time in your life you will come into painful contact with a psychopath. For your own physical, psychological, and financial well-being it is crucial that you know how to identify the psychopath, how to protect yourself, and how to minimize the harm done to you.

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

I am tired of people calling those of us who get stuck in these cycles "codependent" or "addicted" to the narcissistic relationship. It's not that. If you have any empathy, have normal cognitive functioning, and were shaped by societal and cultural norms and realities, it is not surprising that you would get stuck. The narcissistic relationship is like a riptide that pulls you back in even as you try to swim away. The intensity, attentiveness, and highs and lows are why you swim out to where the riptide is. The abusive behavior makes you want to swim away from the riptide, but the guilt and fear of leaving, the practical issues raised by leaving (financial, safety, cultural, family), as well as the natural drive toward attachment, connection, and love are what keep you stuck in the riptide's pull.

the greater the gender equity of a country, the smaller the gender gap in the importance of the financial resources of a partner (as well as in the importance of other preferences, like chastity and good looks).36

The more automated society gets and the more powerful the attacking AI becomes, the more devastating cyberwarfare can be. If you can hack and crash your enemy’s self-driving cars, auto-piloted planes, nuclear reactors, industrial robots, communication systems, financial systems and power grids, then you can effectively crash his economy and cripple his defenses. If you can hack some of his weapons systems as well, even better.

Our world is filled with competition, frenzied ambition in every domain. Each of us is acquainted with the spirit of competition. This spirit is not a bad thing in and of itself. Its influence has long been felt in personal relations within the dominant classes. Subsequently it spread throughout the whole of society, to the point that today it has more or less openly triumphed in every part of the world. In Western nations, and above all in the United States, it animates not only economic and financial life, but scientific research and intellectual life as well. Despite the tension and the unrest it brings, these nations are inclined on the whole to congratulate themselves for having embraced the spirit of competition, for its positive effects are considerable. Not the least of these is the impressive wealth it has brought a large part of the population. No one, or almost no one, any longer thinks of forgoing rivalry, since it allows us to go on dreaming of a still more glittering and prosperous future than the recent past. Our world seems to us the most desirable one there ever was, especially when we compare it to life in nations that have not enjoyed the same prosperity.

Why, once Jakes went out to cover a revolution in one of the Balkan capitals. He overslept in his carriage, woke up at the wrong station, didn't know any different, got out, went straight to a hotel, and cabled off a thousand-word story about barricades in the streets, flaming churches, machine guns answering the rattle of his typewriter as he wrote. Well they were pretty surprised at his office, getting a story like that from the wrong country, but they trusted Jakes and splashed it in six national newspapers. That day every special in Europe got orders to rush to the new revolution. Everything seemed quiet enough, but it was as much their jobs were worth to say so, with Jakes filing a thousand words of blood and thunder a day. So they chimed in too. Government stocks dropped, financial panic, state of emergency declared, army mobilized, famine, mutiny — and in less than a week there was an honest to god revolution under way, just as jakes had said. There's the power of the press for you.

....the line of ill-intentional Egyptologist, equipped with a ferocious erudition , have commited their well known crime against science, by becoming guilty of a deliberate falsification of the history of humanity. Supported by the governing powers of all the Western countries , this ideology, based on a moral and intellectual swindle, easily won out over the true scientific current developed by a parallel group of Egyptologist of good will, whose intellectual uprightness and even courage cannot be stressed stronly enough. The new Egyptological ideology , born at the opportune monment, reinforced the theorectical bases of imperialist ideology. That is why it easily drowned out the voice of science, by throwing the veil of fasificacation over historical truth. This ideology was spread with the help of considerable publicity and taught the world over, because it alone had the material and financial means for its own propagation. Thus imperialism, like the prehistoric hunter, first killed the being spiritually and culturally, before trying to eliminate it physically. The negation of the history and intellectual accomplishments of Black Africans was cultural, mental murder,which preceded and paved the way for their genocide here and there in the world.

When other countries run sustained trade deficits, they must finance these by selling off domestic assets or running into debt — debt which they actually are obliged to pay. It seems that only the Americans are so bold as to say “Screw the world. We’re going to do whatever we want.” Other countries simply cannot afford the chaos from which the U.S. economy is positioned to withstand as a result of the fact that foreign trade plays a smaller role in its economy than in those of nearly all other nations in today’s interdependent world. Using debtor leverage to set the terms on which it will refrain from causing monetary chaos, America has turned seeming financial weakness into strength. U.S. Government debt has reached so large a magnitude that any attempt to replace it will entail an interregnum of financial chaos and political instability. American diplomats have learned that they are well positioned to come out on top in such grab-bags.

Men are judged, and are encouraged to judge themselves, by how well they can financially take care of others. Men are socialized to be “servants” fully as much as women; only the forms of culturally encouraged servitude are different. If a man cannot support a woman, he tends to lose stature in her eyes and in his own.

The invisible fence of rules and mores that confined women to a small, carefully defined patch of human achievement impacted men as well, required them to carry the bulk of a family’s financial burden, even if it meant doing work they disliked.

When the West turned down Egypt's request for financial assistance to build a new dam on the Nile -- a national project deemed vital for the country's well-being -- the government of the time felt it had no choice but to go to the Soviet Union for help. By doing so, it committed the country to almost 20 years of Soviet influence, changing the geopolitics of the region in a consequential and durable manner.

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.

On Ove’s side of the track it’s empty but for three overdimensioned municipal employees in their midthirties in workmen’s trousers and hard hats, standing in a ring and staring down into a hole. Around them is a carelessly erected loop of cordon tape. One of them has a mug of coffee from 7-Eleven; another is eating a banana; the third is trying to poke his cell phone without removing his gloves. It’s not going so well. And the hole stays where it is. And still we’re surprised when the whole world comes crashing down in a financial crisis, Ove thinks. When people do little more than standing around eating bananas and looking into holes in the ground all day.

The Wall Street Journal recently pointed out, “The reason people get stuck is almost always an emotional reason…and they can get stuck for years…but the consequences are financial.” And similarly, Kiplinger’s reported, “Financial planners are increasingly finding themselves playing the role of psychologist as well as financial counselor.

Money, it is conventional to argue, is a medium of exchange, which has the advantage of eliminating inefficiencies of barter; a unit of account, which facilitates valuation and calculation; and a store of value, which allows economic transactions to be conducted over long periods as well as geographical distances. To perform all these functions optimally, money has to be available, affordable, durable, fungible, portable and reliable.

The European Parliament responded by focusing on corporate governance. If corporations wanted to be legal citizens they could damned well shoulder the responsibilities of good citizenship as well as the benefits. Social as well as financial audits were the order of the day. Directives outlining standards for corporate citizenship were drafted and a lucrative niche for a new generation of management consultants emerged - those who could look at an organization and sound a warning if its structure rewarded pathological behaviour.

The business professional also must value his employees as well, for they are his most valuable asset. He must attend to their welfare.

Men, as well as women, are much oftener led by their hearts than by their understandings.” —LORD CHESTERFIELD

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

As with most people who are well raised, well educated, and financially secure, Dr. Tokai only thought of himself.

The absence of a police state is that people are free, and if you don’t commit crimes you can do what you want. But today, you can’t open up a business, you can’t develop land, you can’t go to the bank, you can’t go to the doctor without the government knowing what you’re doing. They talk about medical privacy, that’s gone. Financial privacy, that’s gone. The right to own property, that’s essentially gone. So you have to get permission from the government for almost everything. And if that is the definition of a police state, that you can’t do anything unless the government gives you permission, we’re well on our way. Ron Paul

If Daisy Buchanan's laugh is the sound of money, then a gimlet, well executed, is the color of it. It is just the thing when you are feeling impoverished, financially or spiritually.

This is a frame. I think Mason Verger is trying to capture Dr. Lecter himself for purposes of personal revenge. I think he just missed him in Florence. I think Mr. Krendler may be in collusion with Verger and wants the FBI’s effort against Dr. Lecter to work for Verger. I think Paul Krendler of the Department of Justice is making money out of this and I think he is willing to destroy me to do it. Mr. Krendler has behaved toward me before in an inappropriate manner and is acting now out of spite as well as financial self-interest. Only this week he called me a ‘cornpone country pussy.’ I would challenge Mr. Krendler before this body to take a lie detector test with me on these matters. I’m at your convenience. We could do it now.

Once very smart people are paid huge sums of money to exploit the flaws in the financial system, they have the spectacularly destructive incentive to screw the system up further, or to remain silent as they watch it being screwed up by others. The cost, in the end, is a tangled-up financial system. Untangling it requires acts of commercial heroism—and even then the fix might not work. There was simply too much more easy money to be made by elites if the system worked badly than if it worked well. The whole culture had to want to change. “We know how to cure this,” as Brad had put it. “It’s just a matter of whether the patient wants to be treated.

The Decentralization of Finance is really good for humanity and it’s ultimately a win for each and every one of us. Because now that we can circumvent banks, exchanges and brokerage companies by using smart contracts on the blockchain… every person, every family, and every business will experience more liberty, more freedom, more opportunities, more abundance, more power, and more wealth. This makes way for more opportunities around financial wellness, permaculture investing, more effective crowdfunding, better ownership and equity arrangements, and more.

Applying a Holistic Wealth lens to our decision-making going forward is critical. Ideally, every organization should have trained Holistic Wealth Consultants (by the Institute on Holistic Wealth), embedded into teams and employee resource groups. Holistic Wealth Coaching is critical.

[The wives of powerful noblemen] must be highly knowledgeable about government, and wise – in fact, far wiser than most other such women in power. The knowledge of a baroness must be so comprehensive that she can understand everything. Of her a philosopher might have said: "No one is wise who does not know some part of everything." Moreover, she must have the courage of a man. This means that she should not be brought up overmuch among women nor should she be indulged in extensive and feminine pampering. Why do I say that? If barons wish to be honoured as they deserve, they spend very little time in their manors and on their own lands. Going to war, attending their prince's court, and traveling are the three primary duties of such a lord. So the lady, his companion, must represent him at home during his absences. Although her husband is served by bailiffs, provosts, rent collectors, and land governors, she must govern them all. To do this according to her right she must conduct herself with such wisdom that she will be both feared and loved. As we have said before, the best possible fear comes from love. When wronged, her men must be able to turn to her for refuge. She must be so skilled and flexible that in each case she can respond suitably. Therefore, she must be knowledgeable in the mores of her locality and instructed in its usages, rights, and customs. She must be a good speaker, proud when pride is needed; circumspect with the scornful, surly, or rebellious; and charitably gentle and humble toward her good, obedient subjects. With the counsellors of her lord and with the advice of elder wise men, she ought to work directly with her people. No one should ever be able to say of her that she acts merely to have her own way. Again, she should have a man's heart. She must know the laws of arms and all things pertaining to warfare, ever prepared to command her men if there is need of it. She has to know both assault and defence tactics to insure that her fortresses are well defended, if she has any expectation of attack or believes she must initiate military action. Testing her men, she will discover their qualities of courage and determination before overly trusting them. She must know the number and strength of her men to gauge accurately her resources, so that she never will have to trust vain or feeble promises. Calculating what force she is capable of providing before her lord arrives with reinforcements, she also must know the financial resources she could call upon to sustain military action. She should avoid oppressing her men, since this is the surest way to incur their hatred. She can best cultivate their loyalty by speaking boldly and consistently to them, according to her council, not giving one reason today and another tomorrow. Speaking words of good courage to her men-at-arms as well as to her other retainers, she will urge them to loyalty and their best efforts.

It is a sore thing to have laboured along and scaled the arduous hilltops, and when all is done, find humanity indifferent to your achievement. Hence physicists condemn the unphysical; financiers have only a superficial toleration for those who know little of stocks; literary persons despise the unlettered; and people of all pursuits combine to disparage those who have none. But though this is one difficulty of the subject, it is not the greatest. You could not be put in prison for speaking against industry, but you can be sent to Coventry for speaking like a fool. The greatest difficulty with most subjects is to do them well; therefore, please to remember this is an apology. It is certain that much may be judiciously argued in favour of diligence; only there is something to be said against it, and that is what, on the present occasion, I have to say.

By age eleven he was well on his way to success, always on the lookout for new money-making opportunities. And then one day Greg Kenton made the greatest financial discovery of his young life.

The guilt of moving on seeps into my life every time I do something I thought I couldn’t do without you. Every time I make a financial decision, I take over your job. Every time I fix the washing machine, choose a wallpaper without consulting you, I feel guilty. How dare I function without you! What could you have possibly meant to me if I can function without you? Much less, function well. Every so often I’m overwhelmed with the decisions. In those moments I hate you for leaving me. But I am stronger now, and I like being strong. And for this, I feel guilty. When can I stop proving that I loved you? When will I stop believing that loving you better might have saved you?

Maybe we’ll evolve to a point where fear as an experience is no longer instinctual, but rather an emotion we use to enrich our understanding of why our human ancestors killed each other when they could have loved each other. One day we’ll be holding hands instead of grudges; we’ll eliminate our territorial circuits and know what love is. One day we’ll be holding hands instead of M-16s.

In 1971, 73 percent of incoming freshmen said that it is essential or very important to “develop a meaningful philosophy of life,” 37 percent to be “very well-off financially” (not well-off, note, but very well-off). By 2011, the numbers were almost reversed, 47 percent and 80 percent, respectively. For well over thirty years, we’ve been loudly announcing that happiness is money, with a side order of fame. No wonder students have come to believe that college is all about getting a job.

You are your children’s role models and they will learn to treat you (and others) the way you treat your own parents. If your children see you acting in impatient, rude, resentful, and angry ways toward your parents, how do you think they will behave toward you when you grow older? They will treat you just as poorly as you treated your parents, and why shouldn’t they? They’ll be faithful to your own teachings. If you can treat your parents with genuine service, then your children will learn to treat you the same way. They will learn to serve others, as well, and they will prosper for it.

The concept of Holistic Wealth can be used within organizations by expanding the triple-bottom-line concept that took hold in the late 1990s. The concept includes social (employee) impacts, economic (financial impacts) and environmental impacts. Holistic Wealth Coaching is critical to employee wellness.

Marx wrote about finance and industry all his life but he only knew two people connected with financial and industrial processes. One was his uncle in Holland, Lion Philips, a successful businessman who created what eventually became the vast Philips Electric Company. Uncle Philips' views on the whole capitalist process would have been well-informed and interesting, had Marx troubled to explore them. But he only once consulted him, on a technical matter of high finance, and though he visited Philips four times, these concerned purely personal mattes of family money. The other knowledgeable man was Engels himself. But Marx declined Engel's invitation to accompany him on a visit to a cotton mill, and so far as we know Marx never set foot in a mill, factory, mine or other industrial workplace in the whole of his life.

I got into heated arguments with brothers and sisters who claimed that the oppression of black people was only a question of race. I argued that there were Black oppressors as well as white ones. Black folks with money have always tended to support candidates who they believed would protect their financial interests. As far as i was concerned, it didn't take too much to figure that black people are oppressed because of class as well as race, because we are poor and because we are Black. It would burn me every time some body talked about Black people climbing the ladder of success. Anytime you're talking about a ladder, you're talking about a top and a bottom, an upper class and a lower class, a rich class and a poor class. As long as you got a system with a top and bottom, Black people are always going to end up at the bottom because we're easiest to discriminate against. That's why i couldn't see fighting within the system. Both the Democratic and Republican party are controlled by millionaires. They are interested in holding on to their power while i was interested in taking it away. They were interested in supporting fascist dictatorships in South and Central America, while i was interested in seeing them overthrown. They were interested in seeing racist, fascist regimes in Africa while i was interested in seeing them overthrown. They were interested in defeating the Viet Cong and i was interested in seeing their liberation.

This is DJ Bat, greatest werewolf DJ in the world, or at least in the top five, coming to you live from Venice because Warlocks make irresponsible financial decisions, and this one is for the lovers! Or people with friends who will dance with them. Some of us are lonely jerks, and we'll be doing shots at the bar.

So, how many generations of Indebted need to suffer – even as the civilized trappings multiply and abound on all sides, with an ever-increasing proportion of those material follies out of their financial reach? How many, before we all collectively stop and say, “Aaii! That’s enough! No more suffering, please! No more hunger, no more war, no more inequity!” Well, as far as I can see, there are never enough generations. We just scrabble on, and on, devouring all within reach, including our own kind, as if it was nothing more than the undeniable expression of some natural law, and as such subject to no moral context, no ethical constraint – despite the ubiquitous and disingenuous blathering over-invocation of those two grand notions.

Somewhere along the way we've gotten the message that the more we struggle and the more we suffer, the more valuable we will become and the more successful we'll eventually be. And so we overwork ourselves, overschedule ourselves, and become "busier than thou" because we think there's some sort of prize on the other side of the pain we cause ourselves. And you know what? There's no prize. All you get from suffering is more suffering.

The most important factor to growing your financial stability isn't your income. Rather, your success is much more related to how well you keep your eye on the ball. Organize your finances around the principles of financial stability. Aim for that goal, and over time you will find many unexpected ways to actually put money aside.

Every organization would benefit from having Holistic Wealth Project Groups comprised of groups of employees in each region who are energized and motivated to help each other achieve Holistic Wealth both at work and in their personal lives, and therefore drive organizational purpose, resilience, innovation, wellness, and success.

When good things are so low that no one wants them, I buy them and lay them away in the safe; when owing to some new development, they go up and my shares are so needed that men will pay well for them, I am ready to sell.

Health is thus a condition of well-being and an ability to appreciate life. It's not necessarily optimizing or conforming to a set of measurable quantities like life expectancy or blood pressure, nor is it removing all symptoms using drugs. Health is the presence of something positive, rather than the absence of something negative.

Well, I divide the father question into three separate categories. First, there's the sire. He makes a baby, that's it. Doesn't necessarily have anything to do with the lamb once it's' planted, though he might. Anyone with a set of gonads can be a sire. Then there's the father. He also does the fertilization, but he sticks around provides support, both financial and emotional. Then in our little corner of the world we have daddies. A daddy is the more mature man in a sexual relationship, one who provides direction, discipline...and love for his brat.

A political movement that focuses on class and ignores the specific ways in which race determines financial health and well-being for people of color in this country will be a movement that maintains white supremacy, because it will not be able to identify or address the specific, race-based systems that are the main causes of inequality for people of color. Health care discrimination, job discrimination, the school-to-prison pipeline, educational bias, mass incarceration, police brutality, community trauma—none of these issues are addressed in a class-only approach. A class-only approach will lift only poor whites out of poverty and will therefore maintain white supremacy.

As well as a shared mentality, the Establishment is cemented by financial links and a 'revolving door' culture: that is, powerful individuals gliding between the political, corporate and media worlds - or who manage to inhabit these various worlds at the same time. The terms of political debate are in large part dictated by a media controlled by a small number of exceptionally rich owners, while think tanks and political parties are funded by wealthy individuals and corporate interests.

To put it bluntly, it is not clear that cheering for innovation in the bombastic way we see in the blue states actually improves the economic well-being of average citizens. For example, the last fifteen years have been a golden age of financial and software innovation, but they have been feeble in terms of GDP growth. In ideological terms, however, innovation definitely works: as a way of excusing soaring inequality and explaining the exalted status of the rich, it's the best we've got.

I could hear a gaggle of Americans, couples, laughing, saying their loud goodbyes as they parted for their respective rooms: old college friends, jobs in the financial sector, five-plus years of corporate law and Fiona entering the first grade in the fall, all's well in Oaklandia, well goodnight then, God we love you guys, a life I might have had myself except I didn't want it.

When we create an environment inside our minds that has too many intense and simultaneous demands upon us, of course we’ll feel overloaded. But we also have the power to change this by focusing on what we can control and dealing with it a step at a time.

I call these types of interventions, like wearing cotton underwear or emptying your bladder after sex, the burden of “well, it can’t hurt”. But they truly are a burden. Every time we make a woman jump through a useless hoop to get better, we add a burden, be it financial, or emotional, or the exasperation of doing so many things and yet realizing that you are running very hard but not getting anywhere.

If I had created myself, I would be taller, blond, and more well endowed, financially. I would have cast out spiders and bad-hair days. Therefore, and hence, I believe strongly in a Creator who not only gave me the gift, but the free will to create my own journey through life.

The most intelligent or brilliant of us all are not usually the most successful, financially or career wise. A lot depends on the ability of a person to break into circles, meet people, network and interact. A well marketed yam may sell better than a not-so-well marketed Jollof. Do not just stay in the library and read all the books there, lest you become publicly dusty like the books you read. Food for thought!

Consider, for example, the unrivaled ability of the United States to impose staggering sanctions on foreign firms as well as dissuasive commercial and financial embargoes on governments deemed to be insufficiently cooperative—an ability not unrelated to US global military dominance.

The most realistic distinction between the investor and the speculator is found in their attitude toward stock-market movements. The speculator’s primary interest lies in anticipating and profiting from market fluctuations. The investor’s primary interest lies in acquiring and holding suitable securities at suitable prices. Market movements are important to him in a practical sense, because they alternately create low price levels at which he would be wise to buy and high price levels at which he certainly should refrain from buying and probably would be wise to sell. It is far from certain that the typical investor should regularly hold off buying until low market levels appear, because this may involve a long wait, very likely the loss of income, and the possible missing of investment opportunities. On the whole it may be better for the investor to do his stock buying whenever he has money to put in stocks, except when the general market level is much higher than can be justified by well-established standards of value. If he wants to be shrewd he can look for the ever-present bargain opportunities in individual securities. Aside from forecasting the movements of the general market, much effort and ability are directed on Wall Street toward selecting stocks or industrial groups that in matter of price will “do better” than the rest over a fairly short period in the future. Logical as this endeavor may seem, we do not believe it is suited to the needs or temperament of the true investor—particularly since he would be competing with a large number of stock-market traders and first-class financial analysts who are trying to do the same thing. As in all other activities that emphasize price movements first and underlying values second, the work of many intelligent minds constantly engaged in this field tends to be self-neutralizing and self-defeating over the years. The investor with a portfolio of sound stocks should expect their prices to fluctuate and should neither be concerned by sizable declines nor become excited by sizable advances. He should always remember that market quotations are there for his convenience, either to be taken advantage of or to be ignored. He should never buy a stock because it has gone up or sell one because it has gone down. He would not be far wrong if this motto read more simply: “Never buy a stock immediately after a substantial rise or sell one immediately after a substantial drop.” An

Creating a home that makes you feel wonderful is a gift you give yourself that echoes through the rest of your life. A bedroom you love is one in which you want to have an organized, well-cared-for wardrobe, which means less money spent replacing your battered items. A happy, practical, smartly appointed kitchen is one you actually *want* to cook in, which means much less money spent eating out or ordering in. A chic and comfortable living room means more entertaining at home and embracing the lost art of dinner parties (always cheaper than doing drinks and a restaurant dinner!). Even a Zen, candle-filled, clean bathroom is one in which you want to spend time doing home spa treatments instead of feeling like you have to go somewhere expensive to feel beautiful. If you create a home that is most attuned to your life and somewhere you really enjoy being, everything benefits.

Money on its own is nothing but peace of paper, and a million kwacha's today maybe worth only two bags of Irish potatoes in 10 years time due to inflation. Don't keep your millions at the bank and boost that your rich, those are just papers, put them on the investments that covers for inflation as well.

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.

...the presence of others has become even more intolerable to me, their conversation most of all. Oh, how it all annoys and exasperates me: their attitudes, their manners, their whole way of being! The people of my world, all my unhappy peers, have come to irritate, oppress and sadden me with their noisy and empty chatter, their monstrous and boundless vanity, their even more monstrous egotism, their club gossip... the endless repetition of opinions already formed and judgments already made; the automatic vomiting forth of articles read in those morning papers which are the recognised outlet of the hopeless wilderness of their ideas; the eternal daily meal of overfamiliar cliches concerning racing stables and the stalls of fillies of the human variety... the hutches of the 'petites femmes' - another worn out phrase in the dirty usury of shapeless expression! Oh my contemporaries, my dear contemporaries... Their idiotic self-satisfaction; their fat and full-blown self-sufficiency: the stupid display of their good fortune; the clink of fifty- and a hundred-franc coins forever sounding out their financial prowess, according their own reckoning; their hen-like clucking and their pig-like grunting, as they pronounce the names of certain women; the obesity of their minds, the obscenity of their eyes, and the toneless-ness of their laughter! They are, in truth, handsome puppets of amour, with all the exhausted despondency of their gestures and the slackness of their chic... Chic! A hideous word, which fits their manner like a new glove: as dejected as undertakers' mutes, as full-blown as Falstaff... Oh my contemporaries: the ceusses of my circle, to put it in their own ignoble argot. They have all welcomed the moneylenders into their homes, and have been recruited as their clients, and they have likewise played host to the fat journalists who milk their conversations for the society columns. How I hate them; how I execrate them; how I would love to devour them liver and lights - and how well I understand the Anarchists and their bombs!

Still smiling, he leaned toward me. "You're jealous, aren't you?" "Why would I be jealous of her?" "Because she has what you don't." "Which would be what? A bad hairdresser, poor rhythm, or a striking lack of financial sense when it comes to buying clothes?" His smile grew. "Admit it, you're jealous." "I'm not jealous." I straightened the napkins into a tall stack. "Rich people are so arrogant. You all think everyone just sits around coveting your wealth. Well, my happiness isn't dependent on my account numbers." He gave a mock grunt. "I wasn't talking about Olivia's money. I was talking about me." "Oh." It was suddenly hard to breathe.

He is sure to be more happy who has eaten well and slept well and has besides a little money in his jeans. Such men are rare to find for the simple reason that most men are incapable of appreciating the wisdom of such a simple truth. The worker thinks he would be better off if he were running the factory; the owner of the factory thinks the would be better off if he were a financier; and the financier knows he would be better off if he were clean out of the bloody mess and living the simple life.

It’s not a new plan or even a secret one. It’s not even just a Republican plan. State-funded marriage initiatives have been a policy priority under Bill Clinton, George W. Bush, and Barack Obama. And the logic of each of the programs has always been, as Senator Marco Rubio of Florida stated in 2014, that marriage is the “greatest tool to lift women and children out of poverty.” But maybe instead of discouraging divorce and forcing people into marriages for financial security, we should make a more equitable society. There is research evidence that suggests that countries with well-funded social safety nets have less divorce, fewer instances of child abuse, and less crime.

I am not anti-technology. After all, there are forms of technology—from tools that let us observe the natural world to decentralized, noncommercial social networks—that might situate us more fully in the present. Rather, I am opposed to the way that corporate platforms buy and sell our attention, as well as to designs and uses of technology that enshrine a narrow definition of productivity and ignore the local, the carnal, and the poetic. I am concerned about the effects of current social media on expression—including the right not to express oneself—and its deliberately addictive features. But the villain here is not necessarily the Internet, or even the idea of social media; it is the invasive logic of commercial social media and its financial incentive to keep us in a profitable state of anxiety, envy, and distraction. It is furthermore the cult of individuality and personal branding that grow out of such platforms and affect the way we think about our offline selves and the places where we actually live.

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.

It's fun to think that one day our great, great grandchildren may get that much closer to understanding what the hell creation is doing here in the first place, and glimpsing the underlying structure and nature of matter itself. Hopefully they won't live with the same existential horrors we all quietly face today in our own lives.    There is a kind of bravery to our condition, I reckon: brought into being without an explanation, in a potentially infinite and apparently dead universe, and expected to just get on with it as though nothing strange is going on. Well it fucking is. And it's all right to have a meltdown about the whole affair from time to time, faced with the pressures of modern existence, trying to be a good human and a good worker and a good son/daughter/parent, trying to be a good citizen, trying to be wise without condescension but uninhibited without recklessness, trying to just muddle through without making any silly decisions, trying to align with the correct political opinions, trying to stay thin, trying to be attractive, trying to be smart, trying to find the ideal partner, trying to stay financially secure, trying to just find some modest corner of meaning and belonging and sanity to go and sit in, and all the while living on the edge of dying forever.    We're all in the same strange boat, grappling with the same strange condition. But it isn't quite so scary if we all do it together. So let's do it together.

-Prayer In My Life- Every person has his own ideas of the act of praying for God's guidance, tolerance and mercy to fulfill his duties and responsibilities. My own concept of prayer is not a plea for special favors, nor as a quick palliation for wrongs knowingly committed. A prayer, it seems to me, implies a promise as well as a request; at the highest level, prayer not only is supplication for strength and guidance, but also becomes an affirmation of life and thus a reverent praise of God. Deeds rather than words express my concept of the part religion should play in everyday life. I have watched constantly that in our movie work the highest moral and spiritual standards are upheld, whether it deals with fable or with stories of living action. This religious concern for the form and content of our films goes back 40 years to the rugged financial period in Kansas City when I was struggling to establish a film company and produce animated fairy tales. Thus, whatever success I have had in bringing clean, informative entertainment to people of all ages, I attribute in great part to my Congregational upbringing and lifelong habit of prayer. To me, today at age 61, all prayer by the humble or highly placed has one thing in common: supplication for strength and inspiration to carry on the best impulses which should bind us together for a better world. Without such inspiration we would rapidly deteriorate and finally perish. But in our troubled times, the right of men to think and worship as their conscience dictates is being sorely pressed. We can retain these privileges only by being constantly on guard in fighting off any encroachment on these precepts. To retreat from any of the principles handed down by our forefathers, who shed their blood for the ideals we all embrace, would be a complete victory for those who would destroy liberty and justice for the individual.

...In all this, financialization has done what people back in the 1950s and '60s and '70s worried and warned that the Communists would do if they took over: centralize control of the economy, turn Americans into interchangeable cogs serving an inhumane system, and allow only a well-connected elite to live well. Extreme Capitalism resembles Communism: yet another whopping irony.

The American Constitution was carefully rigged by the noteholders, land speculators, rum runners, and slave holders who were the Founding Fathers, so that it would be next to impossible for upstart dirt farmers and indebted masses to challenge the various forms of private property held by these well read robber barons. Through this Constitution, the over-privileged attempted to rule certain topics out of order for proper political discussion. To bring these topics up in polite conversation was to invite snide invective, charges of personal instability, or financial ruin.

When we sacrifice our own well-being in the hopes that our sacrifice will help someone else, we just get two people who are living sub-optimal lives. Here's the truth: Getting sick does not help those who are suffering of illness. Being sad does nothing to pull someone out of their own depression. And being hungry doesn't feed the starving. The universe simply doesn't work that way.

Well with a success like Death of a Salesman you get feelings of omnipotence. A little touch of it, you know. You think you can do anything. You inevitably begin to feel a kind of impact of power, which is sexual, it is financial, it is everything. You begin to shift and change if you’re not careful, which I wasn’t. People now were talking to me differently. Women, men. They were looking at me like an icon of some kind. Well then, I felt with my wife then, that we were… it wasn’t enough for me, suddenly. I thought I… I had a feeling that we were not close, that we were not one.

Well with a success like Death of a Salesman you get feelings of omnipotence. A little touch of it, you know. You think you can do anything. You inevitably begin to feel a kind of impact of power, which is sexual, it is financial, it is everything. You begin to shift and change if you’re not careful, which I wasn’t. People now were talking to me differently. Women, men. They were looking at me like an icon of some kind. Well then, I felt with my wife then, that we were… it wasn’t enough for me, suddenly. I thought I… I had a feeling that we were not close, that we were not one.

THE FAIR HAD A POWERFUL and lasting impact on the nation’s psyche, in ways both large and small. Walt Disney’s father, Elias, helped build the White City; Walt’s Magic Kingdom may well be a descendant. Certainly the fair made a powerful impression on the Disney family. It proved such a financial boon that when the family’s third son was born that year, Elias in gratitude wanted to name him Columbus. His wife, Flora, intervened; the baby became Roy. Walt came next, on December 5, 1901. The writer L. Frank Baum and his artist-partner William Wallace Denslow visited the fair; its grandeur informed their creation of Oz. The Japanese temple on the Wooded Island charmed Frank Lloyd Wright, and may have influenced the evolution of his “Prairie” residential designs. The fair prompted President Harrison to designate October 12 a national holiday, Columbus Day, which today serves to anchor a few thousand parades and a three-day weekend. Every carnival since 1893 has included a Midway and a Ferris Wheel, and every grocery store contains products born at the exposition. Shredded Wheat did survive. Every house has scores of incandescent bulbs powered by alternating current, both of which first proved themselves worthy of large-scale use at the fair; and nearly every town of any size has its little bit of ancient Rome, some beloved and be-columned bank, library or post office. Covered with graffiti, perhaps, or even an ill-conceived coat of paint, but underneath it all the glow of the White City persists. Even the Lincoln Memorial in Washington can trace its heritage to the fair.

Professor Rosalind Chait Barnett of Brandeis University did a comprehensive review of studies on work-life balance and found that women who participate in multiple roles 36 actually have lower levels of anxiety and higher levels of mental well-being. Employed women reap rewards including greater financial security, more stable marriages, better health, and, in general, 37 increased life satisfaction.

Of course, there’s no clear line between who creates wealth and who shifts it. Lots of jobs do both. There’s no denying that the financial sector can contribute to our wealth and grease the wheels of other sectors in the process. Banks can help to spread risks and back people with bright ideas. And yet, these days, banks have become so big that much of what they do is merely shuffle wealth around, or even destroy it. Instead of growing the pie, the explosive expansion of the banking sector has increased the share it serves itself.4 Or take the legal profession. It goes without saying that the rule of law is necessary for a country to prosper. But now that the U.S. has seventeen times the number of lawyers per capita as Japan, does that make American rule of law seventeen times as effective?5 Or Americans seventeen times as protected? Far from it. Some law firms even make a practice of buying up patents for products they have no intention of producing, purely to enable them to sue people for patent infringement. Bizarrely, it’s precisely the jobs that shift money around – creating next to nothing of tangible value – that net the best salaries. It’s a fascinating, paradoxical state of affairs. How is it possible that all those agents of prosperity – the teachers, the police officers, the nurses – are paid so poorly, while the unimportant, superfluous, and even destructive shifters do so well?

Money is a byproduct of excellence, not a goal. Our overriding objective is excellence and constant improvement at Bridgewater. To be clear, it is not to make lots of money. The natural extension of this is not that you should be happy with little money. On the contrary—you should expect to make a lot. If we operate consistently with this philosophy we should be productive and the company should do well financially.

Contrary to all expectations, I seem to grow happier as I grow older. I think that America has been sold on the theory that youth is marvelous but old age is a terror. On the contrary, it's taken me sixty years to learn how to live reasonably well, to do my work and cope with my inadequacies. For me youth was a woeful time—sick parents, war, relative poverty, the miseries of learning a profession, a mistake of a marriage, self-doubts, booze and blundering around. Old age is knowing what I'm doing, the respect of others, a relatively sane financial base, a loving wife and the realization that what I can't beat I can endure.

Normally, the easiest way to [use money to get more money, i.e. capitalism] is by establishing some kind of formal or de facto monopoly. For this reason, capitalists, whether merchant princes, financiers, or industrialists, invariably try to ally themselves with political authorities to limit the freedom of the market, so as to make it easier for them to do so. From this perspective, China was for most of its history the ultimate anti-capitalist market state. Unlike later European princes, Chinese rulers systematically refused to team up with would-be Chinese capitalists (who always existed). Instead, like their officials, they saw them as destructive parasites--though, unlike the usurers, ones whose fundamental selfish and antisocial motivations could still be put to use in certain ways. In Confucian terms, merchants were like soldiers. Those drawn to a career in the military were assumed to be driven largely by a love of violence. As individuals, they were not good people, but they were also necessary to defend the frontiers. Similarly, merchants were driven by greed and basically immoral; yet if kept under careful administrative supervision, they could be made to serve the public good. Whatever one might think of the principles, the results are hard to deny. For most of its history, China maintained the highest standard of living in the world--even England only really overtook it in perhaps the 1820s, well past the time of the Industrial Revolution.

There are two main reasons why this assumption is wrong. First, once basic material needs have been met, there is very little evidence that pursuing financial prosperity generates much extra happiness for individuals or for nations. Second, by blindly pursuing economic growth, we are creating a whole set of social and environmental issues that will undermine the potential happiness and well-being of future generations.

THE BRANCH OF ECONOMICS concerned with issues like inflation, recessions, and financial shocks is known as macroeconomics. When the economy is going well, macroeconomists are lauded as heroes; when it turns sour, as it did recently, they catch a lot of the blame. In either case, the headlines go to the macroeconomists. We hope that after reading this book, you’ll realize there is a whole different breed of economist out there—microeconomists—lurking in the shadows. They seek to understand the choices that individuals make, not just in terms of what they buy but also how often they wash their hands and whether they become terrorists.

Generally, the financial incentives offered to local law enforcement to pump up their drug arrests have not been well publicized, leading the average person to conclude reasonably (but mistakenly) that when their local police departments report that drug arrests have doubled or tripled in a short period of time, the arrests reflect a surge in illegal drug activity, rather than an infusion of money and an intensified enforcement effort.

Delaying giving as a strategy for future kingdom building is risky. We could hold on to assets out of fear of letting go or unwillingness to surrender control to the Lord. As long as money lies within our grasp, there's not only the danger that we'll lose the assets, but also that we'll change our minds or be seduced by the status, prestige, and recognition of controlling (or having our name attached to the distribution of) what belongs to God.

What he was referring to is the fact that there are two worlds: the true glory of Sophia and the false world of the Demiurge. The false world of the Demiurge seems the same as the world of Sophia, except that it is, to use a metaphor, colorless. The world of the Demiurge is the world as it seems to people obsessed with material possessions, attracted by the desire to control the realm of the Goddess Sophia, people who prefer the artificial to the authentic, people in the clutches of delusional poisonous drugs, people with addictions to other people and alcohol, as well as food, spending, pornography, gambling, angry people who are fixated with politics and financial issues; people who are full of illusory worries about possible future events rather than living in the authentic present now, people who see the world through the eyes of the media and people who are completely isolated from themselves emotionally. These people never 'see' and never 'hear' the real world around and within them. They live in the false duplicate reality of the Earth manufactured by Yaldabaoth. This facsimile is an illusory world.

In 80 percent or more of cases, people have three goals in common: first, a financial and career goal; second, a family or personal relationship goal; and third, a health or a fitness goal. And this is as it should be. These are the three most important areas of life. If you give yourself a grade on a scale of one to ten in each of these three areas, you can immediately identify where you are doing well in life and where you need some improvement.

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.

Conversely, as such a stock rises to, say, 50 or 60 or 70, the urge to sell and take a profit now that the stock is “high” becomes irresistible to many people. Giving in to this urge can be very costly. This is because the genuinely worthwhile profits in stock investing have come from holding the surprisingly large number of stocks that have gone up many times from their original cost. The only true test of whether a stock is “cheap” or “high” is not its current price in relation to some former price, no matter how accustomed we may have become to that former price, but whether the company’s fundamentals are significantly more or less favorable than the current financial-community appraisal of that stock.

Money is a byproduct of excellence, not a goal. Our overriding objective is excellence and constant improvement at Bridgewater. To be clear, it is not to make lots of money. The natural extension of this is not that you should be happy with little money. On the contrary—you should expect to make a lot. If we operate consistently with this philosophy we should be productive and the company should do well financially. There is comparatively little age- and seniority-based hierarchy.

In the English language, we have one word for love, which translates into our sexual drive. The ancient Greeks had more than one word for it, including the word agape. It means to compromise or sacrifice, and it’s a kind of love I’ve seen in all couples who have gotten married and stayed married. It is my opinion that this kind of love determines the entire success of your married life, and to an extent, it’s a good part of your financial life too. Reaching a financial goal always takes a little bit of sacrifice, and would be impossible to do on your own. Once you and your spouse realize that mutual sacrifice is a healthy part of your marriage, you are well on your way to achieving harmony in planning for your finances together.

Why doesn't God smite this dictator dead?' is a question a little remote from us," says one of the characters in The Man Born to Be King. "Why, madam, did he not strike you dumb and imbecile before you uttered that baseless and unkind slander the day before yesterday? Or me, before I behaved with such cruel lack of consideration to that well-meaning friend? And why, sir, did he not cause your hand to rot off at the wrist before you signed your name to that dirty little bit of financial trickery?

Arianna Huffington cites studies in her brilliant book Thrive that show how the act of giving actually improves your physical and mental health. One example I love in particular is the 2013 study from Britain’s University of Exeter Medical School that reveals how volunteering is associated with lower rates of depression, higher reports of well-being, and a 22% reduction in death rates! She also writes, “Volunteering at least once a week yields improvements to well-being tantamount to your salary increasing from $20,000 to $75,000!

Toot showed me how to balance a checkbook and resist buying stuff I didn’t need. She was the reason why, even in my most revolutionary moments as a young man, I could admire a well-run business and read the financial pages, and why I felt compelled to disregard overly broad claims about the need to tear things up and remake society from whole cloth. She taught me the value of working hard and doing your best even when the work was unpleasant, and about fulfilling your responsibilities even when doing so was inconvenient. She taught me to marry passion with reason, to not get overly excited when life was going well, and to not get too down when it went badly. All this was instilled in me by an elderly, plainspoken white lady from Kansas. It was her perspective that often came to mind when I was campaigning, and her worldview that I sensed in many of the voters I encountered, whether in rural Iowa or in a Black neighborhood in Chicago, that same quiet pride in sacrifices made for children and grandchildren, the same lack of pretension, the same modesty of expectations.

After the New Deal, economists began referring to America’s retirement-finance model as a “three-legged stool.” This sturdy tripod was composed of Social Security, private pensions, and combined investments and savings. In recent years, of course, two of those legs have been kicked out. Many Americans saw their assets destroyed by the Great Recession; even before the economic collapse, many had been saving less and less. And since the 1980s, employers have been replacing defined-benefit pensions that are funded by employers and guarantee a monthly sum in perpetuity with 401(k) plans, which often rely on employee contributions and can run dry before death. Marketed as instruments of financial liberation that would allow workers to make their own investment choices, 401(k)s were part of a larger cultural drift in America away from shared responsibilities toward a more precarious individualism. Translation: 401(k)s are vastly cheaper for companies than pension plans. “Over the last generation, we have witnessed a massive transfer of economic risk from broad structures of insurance, including those sponsored by the corporate sector as well as by government, onto the fragile balance sheets of American families,” Yale political scientist Jacob S. Hacker writes in his book The Great Risk Shift. The overarching message: “You are on your own.

Look into companies that have work-study programs. Many companies offer to pay for school and have struck tuition deals with local colleges to attract a labor force. UPS, for instance, has a program in many cities where you can work twenty hours per week sorting boxes at night, and they will pay your tuition for school during the day. Plus, they tend to pay you very well for part-time work. That is just one example of many. This type of program is for someone who wants the knowledge, not to go to school just for the “college experience,

Security ... what does this word mean in relation to life as we know it today? For the most part, it means safety and freedom from worry. It is said to be the end that all men strive for; but is security a utopian goal or is it another word for rut? Let us visualize the secure man; and by this term, I mean a man who has settled for financial and personal security for his goal in life. In general, he is a man who has pushed ambition and initiative aside and settled down, so to speak, in a boring, but safe and comfortable rut for the rest of his life. His future is but an extension of his present, and he accepts it as such with a complacent shrug of his shoulders. His ideas and ideals are those of society in general and he is accepted as a respectable, but average and prosaic man. But is he a man? has he any self-respect or pride in himself? How could he, when he has risked nothing and gained nothing? What does he think when he sees his youthful dreams of adventure, accomplishment, travel and romance buried under the cloak of conformity? How does he feel when he realizes that he has barely tasted the meal of life; when he sees the prison he has made for himself in pursuit of the almighty dollar? If he thinks this is all well and good, fine, but think of the tragedy of a man who has sacrificed his freedom on the altar of security, and wishes he could turn back the hands of time. A man is to be pitied who lacked the courage to accept the challenge of freedom and depart from the cushion of security and see life as it is instead of living it second-hand. Life has by-passed this man and he has watched from a secure place, afraid to seek anything better What has he done except to sit and wait for the tomorrow which never comes? Turn back the pages of history and see the men who have shaped the destiny of the world. Security was never theirs, but they lived rather than existed. Where would the world be if all men had sought security and not taken risks or gambled with their lives on the chance that, if they won, life would be different and richer? It is from the bystanders (who are in the vast majority) that we receive the propaganda that life is not worth living, that life is drudgery, that the ambitions of youth must he laid aside for a life which is but a painful wait for death. These are the ones who squeeze what excitement they can from life out of the imaginations and experiences of others through books and movies. These are the insignificant and forgotten men who preach conformity because it is all they know. These are the men who dream at night of what could have been, but who wake at dawn to take their places at the now-familiar rut and to merely exist through another day. For them, the romance of life is long dead and they are forced to go through the years on a treadmill, cursing their existence, yet afraid to die because of the unknown which faces them after death. They lacked the only true courage: the kind which enables men to face the unknown regardless of the consequences. As an afterthought, it seems hardly proper to write of life without once mentioning happiness; so we shall let the reader answer this question for himself: who is the happier man, he who has braved the storm of life and lived or he who has stayed securely on shore and merely existed?

What makes a woman vulnerable to mistreatment at home, no matter how well she functions outside, is the belief that her need for her partner's love is the most important thing in her life. The prizes of success, financial gain, status, and prestige pale in comparison to that need. In addition, our true natures and weaknesses generally become obvious only in our intimate relationships. The faces we put on for the outside world may have little to do with how we feel about ourselves, how we expect to be treated, and what we will accept from our partners.

Here’s the deal. When you get married, you become a team. The pastor at your wedding wasn’t joking when he said, “And now you are one.” It’s called unity. The old marriage vows say, “Unto thee I pledge all my worldly goods.” In other words, “I’m all in,” so combine the checking accounts. It’s hard to have unity when you separate your bank accounts. When his money is over here, and her money is over there, it’s easy to live in your own little financial world instead of working as a team. When you do your spending together, it’s about “our” money. We have an income and we have expenses and we have goals. So when you’re both in agreement on where the money is going, then you’ve taken a major step to being on the same page in your marriage, and you will create awesome levels of communication. This all boils down to trust. Do you trust your spouse or not? I’ve heard from people who keep separate bank accounts just in case their spouse leaves them. Well, why on earth would you marry someone you can’t trust? And if that’s really the case, then you need marriage counseling, not separate bank accounts! Your spouse isn’t your roommate, and this isn’t a joint business venture. It’s a marriage! You don’t run your household and your life separately. Your job is to love each other well, and that includes having shared financial goals—which is hard to do when you have separate accounts.

The only thing you can be confident of while forecasting future stock returns is that you will probably turn out to be wrong. The only indisputable truth that the past teaches us is that the future will always surprise us—always! And the corollary to that law of financial history is that the markets will most brutally surprise the very people who are most certain that their views about the future are right. Staying humble about your forecasting powers, as Graham did, will keep you from risking too much on a view of the future that may well turn out to be wrong.

There is a particular kind of pain, elation, loneliness, and terror involved in this kind of madness. When you're high it's tremendous. The ideas and feelings are fast and frequent like shooting stars, and you follow them until you find better and brighter ones. Shyness goes, the right words and gestures are suddenly there, the power to captivate others a felt certainty. There are interests found in uninteresting people. Sensuality is pervasive and the desire to seduce and be seduced irresistible. Feelings of ease, intensity, power, well-being, financial omnipotence, and euphoria pervade one's marrow. But, somewhere, this changes. The fast ideas are far too fast, and there are far too many; overwhelming confusion replaces clarity. Memory goes. Humor and absorption on friends' faces are replaced by fear and concern. Everything previously moving with the grain is now against--you are irritable, angry, frightened, uncontrollable, and enmeshed totally in the blackest caves of the mind. You never knew these caves were there. It will never end, for madness carves its own reality. It goes on and on, and finally there are only others' recollections of your behavior--your bizarre, frenetic, aimless behaviors--for mania has at least some grace in partially obliterating memories. What then, after the medications, psychiatrist, despair, depression, and overdose? All those incredible feelings to sort through. Who is being to polite to say what? Who knows what? What did I do? Why? And most hauntingly, when will it happen again? Then, too, are the bitter reminders--medicine to take, resent, forget, take, resent, and forget, but always take....And always, when will it happen again? Which of my feelings are real? Which of the me's is me?

For those who still believe structural inequality is a figment of feminists’ imagination, let’s recap some of the ways the financial odds are stacked against women. The gender pay gap sits stubbornly at around 18 per cent in Australia. (It gets wider the higher up the ladder you go, by the way). Female-dominated occupations are less well paid than male-dominated ones. Six out of ten Australians work in an industry dominated by one gender. Australia has one of the highest rates of part-time work in the world: 25 per cent of us work part time. Women make up 71.6 per cent of all part-time workers and 54.7 per cent of all casual employees. Australian women are among the best educated in the world but have relatively low comparable workplace participation and achievement rates. And just to add insult to injury, products marketed to women are more expensive than those marketed to men!

The whole tradition of [oral] story telling is endangered by modern technology. Although telling stories is a very fundamental human attribute, to the extent that psychiatry now often treats 'narrative loss' -- the inability to construct a story of one's own life -- as a loss of identity or 'personhood,' it is not natural but an art form -- you have to learn to tell stories. The well-meaning mother is constantly frustrated by the inability of her child to answer questions like 'What did you do today?' (to which the answer is usually a muttered 'nothing' -- but the 'nothing' is cover for 'I don't know how to tell a good story about it, how to impose a story shape on the events'). To tell stories, you have to hear stories and you have to have an audience to hear the stories you tell. Oral story telling is economically unproductive -- there is no marketable product; it is out with the laws of patents and copyright; it cannot easily be commodified; it is a skill without monetary value. And above all, it is an activity requiring leisure -- the oral tradition stands squarely against a modern work ethic....Traditional fairy stories, like all oral traditions, need the sort of time that isn't money. "The deep connect between the forests and the core stories has been lost; fairy stories and forests have been moved into different categories and, isolated, both are at risk of disappearing, misunderstood and culturally undervalued, 'useless' in the sense of 'financially unprofitable.

The Dilemma of Human Suffering Nothing external ensures freedom from suffering. Even when we human beings possess all the things we typically use to gauge external success—great looks, loving parents, terrific children, financial security, a caring spouse—it may not be enough. Humans can be warm, well fed, dry, physically well—and still be miserable. Humans can enjoy forms of excitement and entertainment unknown in the nonhuman world and out of reach for all but a fraction of the population—high-definition TVs, sports cars, exotic trips to the Caribbean—and still be in excruciating psychological pain.

The secular are at this moment in history a great deal more optimistic than the religious – something of an irony, given the frequency with which the latter have been derided by the former for their apparent naivety and credulousness. It is the secular whose longing for perfection has grown so intense as to lead them to imagine that paradise might be realized on this earth after just a few more years of financial growth and medical research. With no evident awareness of the contradiction they may, in the same breath, gruffly dismiss a belief in angels while sincerely trusting that the combined powers of the IMF, the medical research establishment, Silicon Valley and democratic politics could together cure the ills of mankind.... It is telling that the secular world is not well versed in the art of gratitude: we no longer offer up thanks for harvests, meals, bees or clement weather. On a superficial level, we might suppose that this is because there is no one to say ‘Thank you’ to. But at base it seems more a matter of ambition and expectation. Many of those blessings for which our pious and pessimistic ancestors offered thanks, we now pride ourselves on having worked hard enough to take for granted.

This morally blinkered way of conceiving merit and the public good has weakened democratic societies in several ways. The first is the most obvious: Over the past four decades, meritocratic elites have not governed very well. The elites who governed the United States from 1940 to 1980 were far more successful. They won World War II, helped rebuild Europe and Japan, strengthened the welfare state, dismantled segregation, and presided over four decades of economic growth that flowed to rich and poor alike. By contrast, the elites who have governed since have brought us four decades of stagnant wages for most workers, inequalities of income and wealth not seen since the 1920s, the Iraq War, a nineteen-year, inconclusive war in Afghanistan, financial deregulation, the financial crisis of 2008, a decaying infrastructure, the highest incarceration rate in the world, and a system of campaign finance and gerrymandered congressional districts that makes a mockery of democracy.

Some call it luck, coincidence, fate, or God’s hand. I call it grace: the acknowledgment that there’s more in this world than just ourselves, and that perhaps a higher power gives us both the privilege of this life as well as the gifts of insight and guidance when we’re open to them. It’s amazing how, when you take care of the first two steps, God or the universe or grace—whatever you like to call it—tends to step in and support what you’re doing. Things flow to you when you do your part first. We’ve all experienced the phenomenon of serendipity. Something happens that defies explanation, so we call it a coincidence. We miss a train and meet the person we end up marrying. We fill in for a friend, and it leads us to the job of our dreams. We didn’t figure it out in advance, didn’t earn it—it just happened. To me, that’s grace. And the more you acknowledge and appreciate the grace that’s already in your life, the more you experience the gifts that are beyond what you’ve created.

With the fate of Roe v. Wade now hanging in the balance, I'm calling for a special 'pro-life tax.' If the fervent prayers of the religious right are answered and abortion is banned, let's take it a step further. All good Christians should legally be required to pony up; share the financial burden of raising an unwanted child. That's right: put your money where your Bible is. I'm not just talking about paying for food and shelter or even a college education. All those who advocate for driving a stake through the heart of a woman's right to choose must help bear the financial burden of that child's upbringing. They must be legally as well as morally bound to provide the child brought into this world at their insistence with decent clothes to wear; a toy to play with; a bicycle to ride -- even if they don't consider these things 'necessities.' Pro-lifers must be required to provide each child with all those things they would consider 'necessary' for their own children. Once the kid is out of the womb, don't wash your hands and declare 'Mission Accomplished!' It doesn't end there. If you insist that every pregnancy be carried to term, then you'd better be willing to pay the freight for the biological parents who can't afford to. And -- like the good Christians that you are -- should do so without complaint.

Although they will miss his presence if he dies, his condition is too burdensome to require his continued presence. In such circumstances, what is selfish is the insistence that the prospective suicide remain alive, not that he seek his own demise. The argument about selfishness can backfire in another way. Just as it is sometimes the case that those who kill themselves have accorded insufficient weight to the interests of others, so it is sometimes the case that those who do not kill themselves make this error. Consistent with what I have already said, I do not think that the interests of others are decisive. Nevertheless, there are situations in which a person's interest in continued life is negligible, because he will die soon anyway, and the quality of his life is appalling. If seeing out his days, rather than taking his own life earlier, would spell financial ruin for his family (because of the costs of his medical care), then it may well be unduly selfish not to take one's own life.

Look at a person's friends, and you can tell a lot about how secure a person is. Insecure people only get close to people to whom they feel superior in terms of looks, age, education, position, or financial status. Insecure people feel that they must have some kind of edge on others so that others will look up to them as a superior rather than looking at them as an equal eyeball to eyeball. Some people will not get close to you unless they can advise you, boss you, or run your business. Some people will dislike you and will feel threatened by you if in their shallow opinion you look as good as they do, know as much as they do, or speak, sing, cook, or dress as well as they can.

The bankers and merchants of Bengal who sustained Siraj ud-Daula’s regime had finally turned against him and united with the disaffected parts of his own military; now they sought to bring in the mercenary troops of the East India Company to help depose him. This was something quite new in Indian history: a group of Indian financiers plotting with an international trading corporation to use its own private security force to overthrow a regime they saw threatening the income they earned from trade.60 This was not part of any imperial masterplan. In fact, the EIC men on the ground were ignoring their strict instructions from London, which were only to repulse French attacks and avoid potentially ruinous wars with their Mughal hosts. But seeing opportunities for personal enrichment as well as political and economic gain for the Company, they dressed up the conspiracy in colours that they knew would appeal to their masters and presented the coup as if it were primarily aimed at excluding the French from Bengal for ever.*

LOST is often lauded as one of the best fantasy dramas in television history, as well as one of the most cryptic and - occasionally – maddening. But confirmation of just how important it is came with an almost unbelievable communiqué from the White House last week. President Obama’s office reassured Lost fans that the commander in chief wouldn’t move his yearly state of the union address from late January to a date that would coincide with the premiere episode of the show’s sixth and final season. That’s right. Obama might have had vital information to impart upon the American people about health care, the war in Afghanistan, the financial crisis – things that, you know, might affect real lives. But the most important thing was that his address didn’t clash with a series in which a polar bear appears on a tropical island. After extensive lobbying by the ABC network, the White House surrendered. Obama’s press secretary promised: “I don’t foresee a scenario in which millions of people who hope to finally get some conclusion with Lost are pre-empted by the president.

Well, getting all the education and the practical experience. And then having the patience to do it day in and day out. Day in and day out. It’s not easy, let me tell you that. It’s like the restaurateur serving great food every meal. It’s not easy. But that’s how you make a great restaurant. That’s how you make a great car dealership. Service every day. You can’t miss the ball. You’ve gotta hit the ball out of the park every day. With service. And the same with technology. In our lifetime, we’ve seen many companies go in the tank because they weren’t able to innovate. Or actually, they didn’t figure out a product or service that really served the customer well. They lost their customers. Never lose a customer. Figure that one out.

The new mathematics is a sort of supplement to language, affording a means of thought about form and quantity and a means of expression,more exact,compact, and ready than ordinary language. The great body of physical science, a great deal of the essential facts of financial science, and endless social and political problems are only accessible and thinkable to those who have had a sound training in mathematical analysis, and the time may not be very remote when it will be understood that for complete initiation as an efficient citizen of one of the new great complex world wide states that are now developing, it is as necessary to be able to compute, to think in averages and maxima and minima, as it is now to be able to read and write.

So tell me, Ray, what are the percentages you would put in stocks? What percentage in gold? and so on."... "First, he said, we need 30% in stocks (for instance, the S&P 500 or other indexes for further diversification in this basket)... "Then you need long-term government bonds. Fifteen percent in intermediate term [seven- to ten-year Treasuries] and forty percent in long-term bonds [20- to 25-year Treasuries]."... He rounded out the portfolio with 7.5% in gold and 7.5% in commodities... Lastly, the portfolio must be rebalanced. Meaning, when one segment does well, you must sell a portion and reallocate back to the original allocation. This should be done at least annually, and, if done properly, can actually increase tax efficiency. p390

Not every investment requires money. As the girls in this book have shown, they want to know that people care about them and their well-being. They want to be seen and acknowledged for who they are and what they can contribute to the learning environment. Our collective community can respond to their needs by being there for them. But many schools around the country have also established girls’ groups as a way to provide encouragement for girls simply by convening them in regular conversation and sisterhood check-ins. These are good ways to facilitate conversation and to launch the next level of investment—one that does require financial resources. Join efforts to raise awareness about the conditions of Black girls in the racial justice movement.

And hey," Gabe added, "I don't even need the second bedroom, so we could set that up as a guest room, then you and Wade can stay when you visit." "You might want a roommate or something." "For what...you won't let me pay you any rent, so it's not like I need the financial assistance." "Well a boyfriend maybe?" "And he'd be sleeping in the second bedroom because?" "When he's mad 'cause you won't put out, for one." Gabe tried to shove me off him. "Don't be mean—like I wouldn't want to have sex with my boyfriend." "I'm just teasing Sally Sensitive, sheesh." "I do actually like having sex you know." Gabe frowned. I gasped, placing a hand on my chest. "Lordy mercy, my little Gabe's all growed up." Gabe laughed at me. "Finally ready to stuff his Italian sausage where the sun doesn't shine!

University of Otago social historian Hera Cook provides a beautiful illustration of exactly this point in her rich account of the sexual revolution.49 Cook notes that in eighteenth-century England, women were assumed to be sexually passionate. But drawing on economic and social changes, fertility-rate patterns, personal accounts, and sex surveys and manuals, Cook charts the path toward the sexual repression of the Victorian era. This was a time of reduced female economic power, thanks to a shift from production in the home to wage earning, and there was less community pressure on men to financially support children fathered out of wedlock. And so, in the absence of well-known, reliable birth control techniques, “women could not afford to enjoy sex. The risk made it too expensive a pleasure.”50

To sum up then, if you wish to be rich, you must grow a carapace. A mental armor. Not so thick as to blind you to well-constructed criticism and advice, especially from those you trust. Nor so thick as to cut you off from friends and family. But thick enough to shrug off the inevitable sniggering and malicious mockery that will follow your inevitable failures, not to mention the poorly hidden envy that will accompany your eventual success. Few things in life are certain except death and being taxed. But sniggering and mockery prior to any attempt to better yourself financially, followed by envy later, or gloating during your initial failures—these are three certainties in life. It hurts. It’s mindless. And it doesn’t mean anything. But it will happen. Be prepared to shrug it off. The Germans have a superb word

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.

From the perspective of sixties radicals, who regularly watched antiwar demonstrations attacked by nationalist teamsters and construction workers, the reactionary implications of corporatism appeared self-evident. The corporate suits and the well-paid, Archie Bunker elements of the industrial proletariat were clearly on the same side. Unsurprising then that the left-wing critique of bureaucracy at the time focused on the ways that social democracy had more in common with fascism than its proponents cared to admit. Unsurprising, too, that this critique seems utterly irrelevant today.* What began to happen in the seventies, and paved the way for what we see today, was a kind of strategic pivot of the upper echelons of U.S. corporate bureaucracy—away from the workers, and towards shareholders, and eventually, towards the financial structure as a whole. __________ *Though it is notable that it is precisely this sixties radical equation of communism, fascism, and the bureaucratic welfare state that has been taken up by right-wing populists in America today. The internet is rife with such rhetoric. One need only consider the way that 'Obamacare' is continually equated with socialism and Nazism, often both at the same time.

It's not you it's me' she couldn't use that line. Even though it really was her and not him, everyone thought that line really meant, 'it's not me. It's definitely you.'  There was still a part of her that thought perhaps she shouldn't do it at all. In Andrew she had all the raw ingredients for a perfect life. Here was a grown-up, good-looking, solvent, generous, warm-hearted man who adored her. A man who adored her even when she looked like the loch ness monsters little sister and had a terrible temper to match. It didn't take a huge leap of imagination to see Andrew standing at the top of the aisle, looking back at lou walking towards him with a grin as wide as the English channel. She could see him painting the nursery yellow; pushing a pram that contained two lovely brown haired twins (one boy, one girl); presenting her woth an eternity ring on their tenth anniversary, taking the twins to school, teaching them how to play football on long, summer holidays in Tuscany, giving the daughter away at her own wedding, cosying up to Lou on the veranda of their perfect house as their retirement stretched ahead of them- a long straight road of well-planned for, financially comfortable and perpetually sunny days.  'oh god' Lou poured herself a vodka.

Under the seeming disorder of the old city, wherever the old city is working successfully, is a marvelous order for maintaining the safety of the streets and the freedom of the city. It is a complex order. Its essence is intricacy of sidewalk use, bringing with it a constant succession of eyes. This order is all composed of movement and change, and although it is life, not art, we may fancifully call it the art form of the city and liken it to the dance — not to a simple-minded precision dance with everyone kicking up at the same time, twirling in unison and bowing off en masse, but to an intricate ballet in which the individual dancers and ensembles all have distinctive parts which miraculously reinforce each other and compose an orderly whole. The ballet of the good city sidewalk never repeats itself from place to place, and in any once place is always replete with new improvisations. The stretch of Hudson Street where I live is each day the scene of an intricate sidewalk ballet. I make my own first entrance into it a little after eight when I put out my garbage gcan, surely a prosaic occupation, but I enjoy my part, my little clang, as the junior droves of junior high school students walk by the center of the stage dropping candy wrapper. (How do they eat so much candy so early in the morning?) While I sweep up the wrappers I watch the other rituals of the morning: Mr Halpert unlocking the laundry's handcart from its mooring to a cellar door, Joe Cornacchia's son-in-law stacking out the empty crates from the delicatessen, the barber bringing out his sidewalk folding chair, Mr. Goldstein arranging the coils of wire which proclaim the hardware store is open, the wife of the tenement's super intendent depositing her chunky three-year-old with a toy mandolin on the stoop, the vantage point from which he is learning English his mother cannot speak. Now the primary childrren, heading for St. Luke's, dribble through the south; the children from St. Veronica\s cross, heading to the west, and the children from P.S 41, heading toward the east. Two new entrances are made from the wings: well-dressed and even elegant women and men with brief cases emerge from doorways and side streets. Most of these are heading for the bus and subways, but some hover on the curbs, stopping taxis which have miraculously appeared at the right moment, for the taxis are part of a wider morning ritual: having dropped passengers from midtown in the downtown financial district, they are now bringing downtowners up tow midtown. Simultaneously, numbers of women in housedresses have emerged and as they crisscross with one another they pause for quick conversations that sound with laughter or joint indignation, never, it seems, anything in between. It is time for me to hurry to work too, and I exchange my ritual farewell with Mr. Lofaro, the short, thick bodied, white-aproned fruit man who stands outside his doorway a little up the street, his arms folded, his feet planted, looking solid as the earth itself. We nod; we each glance quickly up and down the street, then look back at eachother and smile. We have done this many a morning for more than ten years, and we both know what it means: all is well. The heart of the day ballet I seldom see, because part off the nature of it is that working people who live there, like me, are mostly gone, filling the roles of strangers on other sidewalks. But from days off, I know enough to know that it becomes more and more intricate. Longshoremen who are not working that day gather at the White Horse or the Ideal or the International for beer and conversation. The executives and business lunchers from the industries just to the west throng the Dorgene restaurant and the Lion's Head coffee house; meat market workers and communication scientists fill the bakery lunchroom.

For Zuk and the other woman boycotters, this endeavor was not about escaping the confines of being working class, but about protecting the rights of the working class. What this strategy innately relies on is the foremost recognition that poor and working-class people have and deserve rights in the first place—and aren’t plagues on society who are lazy, unwilling to apply themselves, or should, through some elaborate matrix and suspension of systemic blockades, simply not be working class. Existing in this socioeconomic bracket with these intrinsic financial realities was a legitimate life, across their families as well as their neighbors. And this communal approach to understanding their needs and successes was anchored deeply in protecting food prices for everyone rather than reverse engineering their individual lives to accommodate the price hike.

The “German problem” after 1970 became how to keep up with the Germans in terms of efficiency and productivity. One way, as above, was to serially devalue, but that was beginning to hurt. The other way was to tie your currency to the deutsche mark and thereby make your price and inflation rate the same as the Germans, which it turned out would also hurt, but in a different way. The problem with keeping up with the Germans is that German industrial exports have the lowest price elasticities in the world. In plain English, Germany makes really great stuff that everyone wants and will pay more for in comparison to all the alternatives. So when you tie your currency to the deutsche mark, you are making a one-way bet that your industry can be as competitive as the Germans in terms of quality and price. That would be difficult enough if the deutsche mark hadn’t been undervalued for most of the postwar period and both German labor costs and inflation rates were lower than average, but unfortunately for everyone else, they were. That gave the German economy the advantage in producing less-than-great stuff too, thereby undercutting competitors in products lower down, as well as higher up the value-added chain. Add to this contemporary German wages, which have seen real declines over the 2000s, and you have an economy that is extremely hard to keep up with. On the other side of this one-way bet were the financial markets. They looked at less dynamic economies, such as the United Kingdom and Italy, that were tying themselves to the deutsche mark and saw a way to make money. The only way to maintain a currency peg is to either defend it with foreign exchange reserves or deflate your wages and prices to accommodate it. To defend a peg you need lots of foreign currency so that when your currency loses value (as it will if you are trying to keep up with the Germans), you can sell your foreign currency reserves and buy back your own currency to maintain the desired rate. But if the markets can figure out how much foreign currency you have in reserve, they can bet against you, force a devaluation of your currency, and pocket the difference between the peg and the new market value in a short sale. George Soros (and a lot of other hedge funds) famously did this to the European Exchange Rate Mechanism in 1992, blowing the United Kingdom and Italy out of the system. Soros could do this because he knew that there was no way the United Kingdom or Italy could be as competitive as Germany without serious price deflation to increase cost competitiveness, and that there would be only so much deflation and unemployment these countries could take before they either ran out of foreign exchange reserves or lost the next election. Indeed, the European Exchange Rate Mechanism was sometimes referred to as the European “Eternal Recession Mechanism,” such was its deflationary impact. In short, attempts to maintain an anti-inflationary currency peg fail because they are not credible on the following point: you cannot run a gold standard (where the only way to adjust is through internal deflation) in a democracy.

With the growth of market individualism comes a corollary desire to look for collective, democratic responses when major dislocations of financial collapse, unemployment, heightened inequality, runaway inflation, and the like occur. The more such dislocations occur, the more powerful and internalized, Hayek insists, neoliberal ideology must become; it must become embedded in the media, in economic talking heads, in law and the jurisprudence of the courts, in government policy, and in the souls of participants. Neoliberal ideology must become a machine or engine that infuses economic life as well as a camera that provides a snapshot of it. That means, in turn, that the impersonal processes of regulation work best if courts, churches, schools, the media, music, localities, electoral politics, legislatures, monetary authorities, and corporate organizations internalize and publicize these norms.

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.

- You listen to me. I've just taken a lot from you. I've taken a lot from people just like you. Just like you. That's tough, isn't it, just like you, that this town is loaded with people just like you, the world is loaded with people just like you. The honest men who are too good to fit anywhere. You're one of the people, aren't you. Look at your hands, have you ever had a callus? You don't get them lifting glasses. Who are you, to be so bitter? Have you ever done one day of work? And you talk to me about life, about real life, about human misery. -I know you, I know you. You're the only serious person in the room aren't you, the only one who understands, and you can prove it by the fact that you've never finished a single thing in your life. You're the only well-educated person. You resent good manners, you resent success, you resent any kind of success, you resent God, you resent thousand-dollar bills, you resent happiness, you resent happiness itself, because none of that's real. What is real, then? Nothing's real to you that isn't part of your own past, real life, a swamp of failures, of social, sexual, financial, personal, . . . spiritual failure. Real life. You poor bastard. You don't know what real life is, you've never been near it. All you have a thousand intellectualized ideas about life. But life? Have you ever measured yourself against anything but your own lousy past? Have you ever faced anything outside yourself? Life! You poor bastard.

While women suffer from our relative lack of power in the world and often resent it, certain dimensions of this powerlessness may seem abstract and remote. We know, for example, that we rarely get to make the laws or direct the major financial institutions. But Wall Street and the U.S. Congress seem very far away. The power a woman feels in herself to heal and sustain, on the other hand--"the power of love"--is, once again, concrete and very near: It is like a field of force emanating from within herself, a great river flowing outward from her very person. Thus, a complex and contradictory female subjectivity is constructed within the relations of caregiving. Here, as elsewhere, women are affirmed in some way and diminished in others, this within the unity of a single act. The woman who provides a man with largely unreciprocated emotional sustenance accords him status and pays him homage; she agrees to the unspoken proposition that his doings are important enough to deserve substantially more attention than her own. But even as the man's supremacy in the relationship is tacitly assumed by both parties to the transaction, the man reveals himself to his caregiver as vulnerable and insecure. And while she may well be ethically and epistemically disempowered by the care she gives, this caregiving affords her a feeling that a mighty power resides within her being. The situation of those men in the hierarchy of gender who avail themselves of female tenderness is not thereby altered: Their superordinate position is neither abandoned, nor their male privilege relinquished. The vulnerability these men exhibit is not a prelude in any way to their loss of male privilege or to an elevation in the status of women. Similarly, the feeling that one's love is a mighty force for the good in the life of the beloved doesn't make it so, as Milena Jesenka found, to her sorrow. The feeling of out-flowing personal power so characteristic of the caregiving woman is quite different from the having of any actual power in the world. There is no doubt that this sense of personal efficacy provides some compensation for the extra-domestic power women are typically denied: If one cannot be a king oneself, being a confidante of kings may be the next best thing. But just as we make a bad bargain in accepting an occasional Valentine in lieu of the sustained attention we deserve, we are ill advised to settle for a mere feeling of power, however heady and intoxicating it may be, in place of the effective power we have every right to exercise in the world.

fad is a wave in the ocean, and a trend is the tide. A fad gets a lot of hype, and a trend gets very little. Like a wave, a fad is very visible, but it goes up and down in a big hurry. Like the tide, a trend is almost invisible, but it’s very powerful over the long term. A fad is a short-term phenomenon that might be profitable, but a fad doesn’t last long enough to do a company much good. Furthermore, a company often tends to gear up as if a fad were a trend. As a result, the company is often stuck with a lot of staff, expensive manufacturing facilities, and distribution networks. (A fashion, on the other hand, is a fad that repeats itself. Examples: short skirts for women and double-breasted suits for men. Halley’s Comet is a fashion because it comes back every 75 years or so.) When the fad disappears, a company often goes into a deep financial shock. What happened to Atari is typical in this respect. And look how Coleco Industries handled the Cabbage Patch Kids. Those homely dolls hit the market in 1983 and started to take off. Coleco’s strategy was to milk the kids for all they were worth. Hundreds of Cabbage Patch novelties flooded the toy stores. Pens, pencils, crayon boxes, games, clothing. Two years later, Coleco racked up sales of $776 million and profits of $83 million. Then the bottom dropped out of the Cabbage Patch Kids. By 1988 Coleco went into Chapter 11. Coleco died, but the kids live on. Acquired by Hasbro in 1989, the Cabbage Patch Kids are now being handled conservatively. Today they’re doing quite well.

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.

When I Find It Difficult to Trust Him Trust in the Lord with all your heart, and lean not on your own understanding. PROVERBS 3:5 HAS YOUR HUSBAND ever done something you feel has violated your trust in him? It doesn’t have to be anything as terrible as infidelity. It could be financial irresponsibility, or some kind of lie or deception, or hurtful treatment of you, or a confidence he shared with someone else. Whatever it is, you can find yourself wary—always suspecting he may do the same thing again. Yet there must be trust in your marriage relationship or you can never move forward. Living in such a close relationship without trust is not living at all. It’s remarkably sad to not be able to trust the one we are supposed to trust the most. If this has happened to you, it must be remedied, rectified, and resolved. Only God can truly restore the kind of trust you need to have. If your husband has done something to lose your trust, pray that God will lead him to complete repentance. Pray also that your heart will be willing to forgive him. This can be especially hard if he is a repeat offender, but it is not too hard for God to work forgiveness in your heart if you are willing. Ask God to set you free of all anger, frustration, disappointment, fear, and resentment. The most important thing to do after you have prayed for your husband’s repentance and your forgiveness is to pray you will trust God to work a miracle in your husband’s heart and yours as well. You have to first decide that You will trust God with all your heart and not lean on your own understanding. Then He will enable you to trust your husband again. My Prayer to God LORD, I confess any time when I have lost faith in my husband and don’t have full trust in him. I know that is not the way You want me to live. Help us both to have faith in each other and not live in constant distrust, bracing ourselves for what violation of trust is going to happen next. Where my distrust is unfounded, I pray You would help me to see that and enable me to step out in trust of him again. Where my distrust is legitimate because he has truly violated that trust, I ask for a miracle of restoration. First of all, I pray You would lead my husband to total repentance. Bring him to his knees before You in confession so he can be restored. I pray he will be sincerely apologetic to me as well. Second, help me to forgive him so completely that I can trust him fully without reservation again. And last, but most important of all, help me to trust You with all my heart to rectify this situation. Work powerfully in my husband to make him trustworthy, and do a work in me to make me trusting. Help me to not depend on my own reasoning, but rather to depend on Your ability to transform us both. In Jesus’ name I pray.

Ten New Rules for Parent–Adult Child Relations RULE #1: Your adult child has more power than you to set the terms of your relationship because they’re more willing to walk away. Basic game theory: she who cares less has more power. RULE # 2: Your relationship with your adult child needs to occur in an environment of creating happiness and personal growth, not an environment of obligation, emotional debt, or duty. RULE # 3: You are not the only authority on how well you performed as a parent. Your adult child gets to have their own narrative and opinions about the past. RULE #4: Use of guilt trips or criticism will never get you what you want from your adult child, especially if you’re estranged. RULE #5: Learning to communicate in a way that is egalitarian, psychological, and self-aware is essential to a good relationship with your adult child. RULE #6: You were the parent when you were raising your child and you’re the parent until they die. You brought your child into this world. That means that if your child is unable to take the high road, you still have to if reconciliation is your goal. RULE #7: A large financial and emotional investment in your child does not entitle you to more contact or affection than that which is wanted by them, however unjust that may seem. RULE #8: Criticizing your child’s spouse, romantic partner, or therapist greatly increases your risk of estrangement. RULE #9: Criticizing your child’s sexuality or gender identity greatly increases your risk of estrangement. RULE #10: Just because you had a bad childhood and did a better job than your parents doesn’t mean that your adult child has to accept all of the ways that they felt hurt by you.

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

As Negroes move forward toward a fundamental alteration of their lives, some bitter white opposition is bound to grow, even within groups that were hospitable to earlier superficial amelioration. Conflicts are unavoidable because a stage has been reached in which the reality of equality will require extensive adjustments in the way of life of some of the white majority. Many of our former supporters will fall by the wayside as the movement presses against financial privilege. Others will withdraw as long-established cultural privileges are threatened. During this period we will have to depend on that creative minority of true believers. The hope of the world is still in dedicated minorities. The trailblazers in human, academic, scientific and religious freedom have always been in the minority. That creative minority of whites absolutely committed to civil rights can make it clear to the larger society that vacillation and procrastination on the question of racial justice can no longer be tolerated. It will take such a small committed minority to work unrelentingly to win the uncommitted majority. Such a group may well transform America’s greatest dilemma into her most glorious opportunity.

Declan Lynch was a liar. He'd been a liar his entire life. Lies came to him fluidly, easily, instinctively. What does your father do for a living? He sells high-end sports cars in the summer, life insurance in the winter. He's an anesthesiologist. He does financial consulting for divorcees. He does advertising work for international companies in English-speaking markets. He's in the FBI. Where did he meet your mother? They were on yearbook together in high school. They were set up by friends. She took his picture at the county fair, said she wanted to keep his smile forever. Why can't Ronan come to a sleepover? He sleepwalks. Once he walked out to the road and my father had to convince a trucker who'd stopped before hitting him he was really his son. How did your mother die? Brain bleed. Rare. Genetic. Passes from mother to daughter, which is the only good thing, 'cause she only had sons. How are you doing? Fine. Good. Great. At a certain point, the truth felt worse. Truth was a closed-casket funeral attended by its estranged living relatives, Lies, Safety, Secrets. He lied to everyone. He lied to his lovers, his friends, his brothers. Well. More often he simply didn't tell his brothers the truth.

[The eighteenth century] was the century, as we are frequently told, of women - the intellectual life of women in salons, women wielding unseen influence, women as members of academies, theatrical productions whose success depended on the power of actresses to charm; in the economic sphere, financiers amassing great fortunes in order to marry their daughters into the aristocracy, and women ruling over whole peoples and empires: Maria Theresa, Catherine the Great, Queen Elisabeth Farnese of Spain, as well as the likes of Mme du Pompadour and Mme du Barry. It was as if some residual matriarchy - the oldest culture of the Mediterranean - was struggling to emerge from the blood and the collective unconscious; as if the time would one day return when, in every tribe, it was the women who possessed wealth and power and the men who 'married out', moving into the wife's extended family, where they became gentle, pampered, more or less superfluous drones. [...] In the century of women, it was inevitable that these erotic legends should attach themselves to the outstanding female figures of the time [...] and all this applied even more strongly in France. It was there that women reached the greatest positions of power, and there that this erotic momentum was at its strongest, by virtue of the traditions and nature of the French people.

Athletes, by and large, are people who are happy to let their actions speak for them, happy to be what they do. As a result, when you talk to an athlete, as I do all the time in locker rooms, in hotel coffee shops and hallways, standing beside expensive automobiles—even if he’s paying no attention to you at all, which is very often the case—he’s never likely to feel the least bit divided, or alienated, or one ounce of existential dread. He may be thinking about a case of beer, or a barbecue, or some man-made lake in Oklahoma he wishes he was waterskiing on, or some girl or a new Chevy shortbed, or a discothèque he owns as a tax shelter, or just simply himself. But you can bet he isn’t worried one bit about you and what you’re thinking. His is a rare selfishness that means he isn’t looking around the sides of his emotions to wonder about alternatives for what he’s saying or thinking about. In fact, athletes at the height of their powers make literalness into a mystery all its own simply by becoming absorbed in what they’re doing. Years of athletic training teach this; the necessity of relinquishing doubt and ambiguity and self-inquiry in favor of a pleasant, self-championing one-dimensionality which has instant rewards in sports. You can even ruin everything with athletes simply by speaking to them in your own everyday voice, a voice possibly full of contingency and speculation. It will scare them to death by demonstrating that the world—where they often don’t do too well and sometimes fall into depressions and financial imbroglios and worse once their careers are over—is complexer than what their training has prepared them for. As a result, they much prefer their own voices and questions or the jabber of their teammates (even if it’s in Spanish). And if you are a sportswriter you have to tailor yourself to their voices and answers: “How are you going to beat this team, Stu?” Truth, of course, can still be the result—“We’re just going out and play our kind of game, Frank, since that’s what’s got us this far”—but it will be their simpler truth, not your complex one—unless, of course, you agree with them, which I often do. (Athletes, of course, are not always the dummies they’re sometimes portrayed as being, and will often talk intelligently about whatever interests them until your ears turn to cement.)

To the untrained eye, the Wall Street people who rode from the Connecticut suburbs to Grand Central were an undifferentiated mass, but within that mass Danny noted many small and important distinctions. If they were on their BlackBerrys, they were probably hedge fund guys, checking their profits and losses in the Asian markets. If they slept on the train they were probably sell-side people—brokers, who had no skin in the game. Anyone carrying a briefcase or a bag was probably not employed on the sell side, as the only reason you’d carry a bag was to haul around brokerage research, and the brokers didn’t read their own reports—at least not in their spare time. Anyone carrying a copy of the New York Times was probably a lawyer or a back-office person or someone who worked in the financial markets without actually being in the markets. Their clothes told you a lot, too. The guys who ran money dressed as if they were going to a Yankees game. Their financial performance was supposed to be all that mattered about them, and so it caused suspicion if they dressed too well. If you saw a buy-side guy in a suit, it usually meant that he was in trouble, or scheduled to meet with someone who had given him money, or both. Beyond that, it was hard to tell much about a buy-side person from what he was wearing. The sell side, on the other hand, might as well have been wearing their business cards: The guy in the blazer and khakis was a broker at a second-tier firm; the guy in the three-thousand-dollar suit and the hair just so was an investment banker at J.P. Morgan or someplace like that. Danny could guess where people worked by where they sat on the train. The Goldman Sachs, Deutsche Bank, and Merrill Lynch people, who were headed downtown, edged to the front—though when Danny thought about it, few Goldman people actually rode the train anymore. They all had private cars. Hedge fund guys such as himself worked uptown and so exited Grand Central to the north, where taxis appeared haphazardly and out of nowhere to meet them, like farm trout rising to corn kernels. The Lehman and Bear Stearns people used to head for the same exit as he did, but they were done. One reason why, on September 18, 2008, there weren’t nearly as many people on the northeast corner of Forty-seventh Street and Madison Avenue at 6:40 in the morning as there had been on September 18, 2007.

Over a span of twenty years, Shakespeare churned out an impressively whopping thirty-eight plays, 154 love sonnets, and two epic narrative poems. While most people associate him with his plays, it was his sonnets that likely earned him admiration among his contemporaries. Yes, that’s right: In his lifetime, Shakespeare garnered more acclaim for his sonnets than he did for his plays. In England during the 1590s, writing plays was considered a bit hackish—a way to pay the bills—and not an intellectual pursuit. Writing sonnets was all the rage— and a way to gain literary prestige. These poems weren’t published for the plebeian public, but were written down and shared among the literati—and aristocrats looking for some intellectual cachet by becoming patrons to brilliant but perhaps financially strapped writers. So, while Shakespeare likely wrote nearly all of his love sonnets in the early to mid 1590s, they weren’t officially collected and published until 1609, well after the fad had passed. W. H. Auden said of Shakespeare’s sonnets: “They are the work of someone whose ear is unerring.” In today’s less poetry-friendly world, appreciation of these sonnets tends, sadly, to be relegated to classrooms, Valentine’s Day, and anniversaries. Which is too bad, because—though they do indeed rhyme—they are far superior to the ditties found in ninety-nine-cent greeting cards. In fact, they cover the whole gamut of love—the good, the bad, the erotic, and the ugly, including love triangles, being dumped, and jealousy. There is also speculation as to how autobiographical the sonnets are. The truth is that we know so little about Shakespeare’s private life.

Magnus’s head was tipped back, his shimmering white suit rumpled like bedsheets in the morning, his white cloak swaying after him like a moonbeam. His mirrorlike mask was askew, his black hair wild, his slim body arching with the dance, and wrapped around his fingers like ten shimmering rings was the light of his magic, casting a spotlight on one dancer, then another. The faerie Hyacinth caught one radiant stream of magic and whirled, holding on to it as if the light were a ribbon on a maypole. The vampire woman in the violet cheongsam, Lily, was dancing with another vampire who Alec presumed was Elliott, given the blue and green stains around his mouth and all down his shirtfront. Malcolm Fade joined in the dance with Hyacinth, though he appeared to be doing a jig and she seemed very puzzled. The blue warlock who Magnus had called Catarina was waltzing with a tall horned faerie.The dark-skinned faerie whom Magnus had addressed as a prince was surrounded by others whom Alec presumed were courtiers, dancing in a circle around him. Magnus laughed as he saw Hyacinth using his magic like a ribbon, and sent shimmering streamers of blue light in several directions. Catarina batted away Magnus’s magic, her own hand glowing faintly white. The two vampires Lily and Elliott both let a magic ribbon wrap around one of their wrists. They did not seem like trusting types, but they instantly leaned into Magnus with perfect faith, Lily pretending to be a captive and Elliott shimmying enthusiastically as Magnus laughed and pulled them toward him in the dance. Music and starshine filled the room, and Magnus shone brightest in all that bright company. As Alec made for the stairs, he brushed past Raphael Santiago, who was leaning against the balcony rail and looking down at the dancing crowd, his dark eyes lingering on Lily and Elliott and Magnus. There was a tiny smile on the vampire’s face. When Raphael noticed Alec, the scowl snapped immediately back on. “I find such wanton expressions of joy disgusting,” he declaimed. “If you say so,” said Alec. “I like it myself.” He reached the foot of the stairs and was crossing the gleaming ballroom floor when a voice boomed out from above. “This is DJ Bat, greatest werewolf DJ in the world, or at least in the top five, coming to you live from Venice because warlocks make irresponsible financial decisions, and this one is for the lovers! Or people with friends who will dance with them. Some of us are lonely jerks, and we’ll be doing shots at the bar.

You’re afraid you have no talent. You’re afraid you’ll be rejected or criticized or ridiculed or misunderstood or—worst of all—ignored. You’re afraid there’s no market for your creativity, and therefore no point in pursuing it. You’re afraid somebody else already did it better. You’re afraid everybody else already did it better. You’re afraid somebody will steal your ideas, so it’s safer to keep them hidden forever in the dark. You’re afraid you won’t be taken seriously. You’re afraid your work isn’t politically, emotionally, or artistically important enough to change anyone’s life. You’re afraid your dreams are embarrassing. You’re afraid that someday you’ll look back on your creative endeavors as having been a giant waste of time, effort, and money. You’re afraid you don’t have the right kind of discipline. You’re afraid you don’t have the right kind of work space, or financial freedom, or empty hours in which to focus on invention or exploration. You’re afraid you don’t have the right kind of training or degree. You’re afraid you’re too fat. (I don’t know what this has to do with creativity, exactly, but experience has taught me that most of us are afraid we’re too fat, so let’s just put that on the anxiety list, for good measure.) You’re afraid of being exposed as a hack, or a fool, or a dilettante, or a narcissist. You’re afraid of upsetting your family with what you may reveal. You’re afraid of what your peers and coworkers will say if you express your personal truth aloud. You’re afraid of unleashing your innermost demons, and you really don’t want to encounter your innermost demons. You’re afraid your best work is behind you. You’re afraid you never had any best work to begin with. You’re afraid you neglected your creativity for so long that now you can never get it back. You’re afraid you’re too old to start. You’re afraid you’re too young to start. You’re afraid because something went well in your life once, so obviously nothing can ever go well again. You’re afraid because nothing has ever gone well in your life, so why bother trying? You’re afraid of being a one-hit wonder. You’re afraid of being a no-hit wonder . . . Listen, I don’t have all day here, so I’m not going to keep listing fears. It’s a bottomless list, anyhow, and a depressing one. I’ll just wrap up my summary this way: SCARY, SCARY, SCARY. Everything is so goddamn scary. Defending Your Weakness Please understand that the only reason I can speak so authoritatively about fear is that I know it so intimately.

Kelly McGonigal, a health psychologist at Stanford University, warned about the dangers of stress for a full decade before she realized that maybe it was her advice, rather than stress itself, that was sending people to their graves faster. “I’m converting a stimulus [stress] that could be strengthening people into a source of disease.” With a breakthrough in her thinking, and some powerful new research, McGonigal made a complete turnaround. Turns out, stress might just be our friend. Just as you put stress on a muscle to make it stronger (by lifting weights or running), emotional stress can make us physically and psychologically stronger too. McGonigal now highlights new research showing that when you change your mind about stress, you can literally change your body’s physical reaction to it. In an eight-year study, adults who experienced a “lot of stress” and who believed stress was harmful to their health had a 43% increase in their risk of dying. (That sure stressed me out.) However, people who experienced an equal amount of stress but did not view stress as harmful were no more likely to die! McGonigal says that physical signs of stress (a pounding heart, faster breathing, breaking out in a sweat) aren’t necessarily physical evidence of anxiety or signs that we aren’t coping well with pressure. Instead, we can interpret them as indications that our body is energized and preparing us to meet the next challenge. The bottom line is, science has now proven that how you think about stress matters—the story you attach to stress. Telling yourself it’s good for you instead of harmful could mean the difference between a stress-induced heart attack at 50 or living well into your 90s.

That City of yours is a morbid excrescence. Wall Street is a morbid excrescence. Plainly it's a thing that has grown out upon the social body rather like -- what do you call it? -- an embolism, thrombosis, something of that sort. A sort of heart in the wrong place, isn't it? Anyhow -- there it is. Everything seems obliged to go through it now; it can hold up things, stimulate things, give the world fever or pain, and yet all the same -- is it necessary, Irwell? Is it inevitable? Couldn't we function economically quite as well without it? Has the world got to carry that kind of thing for ever? "What real strength is there in a secondary system of that sort? It's secondary, it's parasitic. It's only a sort of hypertrophied, uncontrolled counting-house which has become dominant by falsifying the entries and intercepting payment. It's a growth that eats us up and rots everything like cancer. Financiers make nothing, they are not a productive department. They control nothing. They might do so, but they don't. They don't even control Westminster and Washington. They just watch things in order to make speculative anticipations. They've got minds that lie in wait like spiders, until the fly flies wrong. Then comes the debt entanglement. Which you can break, like the cobweb it is, if only you insist on playing the wasp. I ask you again what real strength has Finance if you tackle Finance? You can tax it, regulate its operations, print money over it without limit, cancel its claims. You can make moratoriums and jubilees. The little chaps will dodge and cheat and run about, but they won't fight. It is an artificial system upheld by the law and those who make the laws. It's an aristocracy of pickpocket area-sneaks. The Money Power isn't a Power. It's respectable as long as you respect it, and not a moment longer. If it struggles you can strangle it if you have the grip...You and I worked that out long ago, Chiffan... "When we're through with our revolution, there will be no money in the world but pay. Obviously. We'll pay the young to learn, the grown-ups to function, everybody for holidays, and the old to make remarks, and we'll have a deuce of a lot to pay them with. We'll own every real thing; we, the common men. We'll have the whole of the human output in the market. Earn what you will and buy what you like, we'll say, but don't try to use money to get power over your fellow-creatures. No squeeze. The better the economic machine, the less finance it will need. Profit and interest are nasty ideas, artificial ideas, perversions, all mixed up with betting and playing games for money. We'll clean all that up..." "It's been going on a long time," said Irwell. "All the more reason for a change," said Rud.

Even the cinema stories of fabulous Hollywood are loaded. One has only to listen to the cheers of an African audience as Hollywood’s heroes slaughter red Indians or Asiatics to understand the effectiveness of this weapon. For, in the developing continents, where the colonialist heritage has left a vast majority still illiterate, even the smallest child gets the message contained in the blood and thunder stories emanating from California. And along with murder and the Wild West goes an incessant barrage of anti-socialist propaganda, in which the trade union man, the revolutionary, or the man of dark skin is generally cast as the villain, while the policeman, the gum-shoe, the Federal agent — in a word, the CIA — type spy is ever the hero. Here, truly, is the ideological under-belly of those political murders which so often use local people as their instruments. While Hollywood takes care of fiction, the enormous monopoly press, together with the outflow of slick, clever, expensive magazines, attends to what it chooses to call ‘news. Within separate countries, one or two news agencies control the news handouts, so that a deadly uniformity is achieved, regardless of the number of separate newspapers or magazines; while internationally, the financial preponderance of the United States is felt more and more through its foreign correspondents and offices abroad, as well as through its influence over inter-national capitalist journalism. Under this guise, a flood of anti-liberation propaganda emanates from the capital cities of the West, directed against China, Vietnam, Indonesia, Algeria, Ghana and all countries which hack out their own independent path to freedom. Prejudice is rife. For example, wherever there is armed struggle against the forces of reaction, the nationalists are referred to as rebels, terrorists, or frequently ‘communist terrorists'!

The Papacy was not happy when Columbus relentlessly began petitioning the royals of Spain and England for their favor, seeking funds for Western expeditions. At first they tried to dissuade him but later, fearing he would find patronage and proceed with his venture, they conceded and financially backed his journey of discovery, making sure to put henchmen all about him to watch his every move. They knew, all too well, that America had already been colonized by Scots-Irish mariners and that the far away country contained Irish Stellar temples and Megalithic sites filled with treasure. They had their minds set on pillaging this wealth and making sure the relics of Ireland’s presence in the New World would be attributed to, and regarded as, yet another “unsolvable mystery.” Nowadays, however, when underground chambers of places such as Ohio’s “Serpent Mound” are excavated, all manner of Irish artifacts are brought out. The aboriginal tribes of South and North America were initially elated to see men such as Columbus and Pizarro. They erroneously believed them to be the godmen of old returning to their shores. They could not imagine, not even in their wildest dreams or visions, what kind of mayhem and destruction these particular “gods” were preparing to unleash upon them. According to Conor MacDari, there are thousands of Megalithic sites throughout America of Irish origin. In the state of Ohio there are over five thousand such mounds while in Michigan and Wisconsin there exists over ten thousand sites. None of these sites are of Native Indian origin and, therefore, little academic attention is paid to them. The Native Indians admit that in all cases except two, tribes understood a common language known as Algonquin. This word is Gaelic and means “noble family” or “noble ones.” Hubert Howe Bancroft, in his book Native Races mentions an Indian chief who said his tribe taught their children but one language until they reached eleven years of age, and that language was Irish Gaelic.

Well, it was a kind of back-to-front program. It’s funny how many of the best ideas are just an old idea back-to-front. You see there have already been several programs written that help you to arrive at decisions by properly ordering and analysing all the relevant facts so that they then point naturally towards the right decision. The drawback with these is that the decision which all the properly ordered and analysed facts point to is not necessarily the one you want.’ ‘Yeeeess...’ said Reg’s voice from the kitchen. ‘Well, Gordon’s great insight was to design a program which allowed you to specify in advance what decision you wished it to reach, and only then to give it all the facts. The program’s task, which it was able to accomplish with consummate ease, was simply to construct a plausible series of logical-sounding steps to connect the premises with the conclusion. ‘And I have to say that it worked brilliantly. Gordon was able to buy himself a Porsche almost immediately despite being completely broke and a hopeless driver. Even his bank manager was unable to find fault with his reasoning. Even when Gordon wrote it off three weeks later.’ ‘Heavens. And did the program sell very well?’ ‘No. We never sold a single copy.’ ‘You astonish me. It sounds like a real winner to me.’ ‘It was,’ said Richard hesitantly. ‘The entire project was bought up, lock, stock and barrel, by the Pentagon. The deal put WayForward on a very sound financial foundation. Its moral foundation, on the other hand, is not something I would want to trust my weight to. I’ve recently been analysing a lot of the arguments put forward in favour of the Star Wars project, and if you know what you’re looking for, the pattern of the algorithms is very clear. ‘So much so, in fact, that looking at Pentagon policies over the last couple of years I think I can be fairly sure that the US Navy is using version 2.00 of the program, while the Air Force for some reason only has the beta-test version of 1.5. Odd, that.

For members of a particular religious community, the sense of obligation takes a specific form when it comes to their commitment to each other. In the movie Shall We Dance?, Richard Gere plays a bored middle-aged attorney who surreptitiously takes up ballroom dancing. His wife, played by Susan Sarandon, becomes suspicious at his renewed energy and vitality. She hires a private detective, who discovers the dance studio and reports the news. She decides to let her husband continue dancing undisturbed. In the scene where she meets the private detective in a bar to pay his fee and end the investigation, they linger over a drink and discuss why people marry in the first place. The detective, whose countless investigations into infidelity have rendered him cynical about marriage, suggests that the desire to marry has something to do with hormones and passing fancy. She disagrees. The reason we marry, she insists, is that “we need a witness to our lives. There’s a billion people on the planet. . . . I mean, what does any one life really mean? But in a marriage, you’re promising to care about everything. The good things, the bad things, the terrible things, the mundane things . . . all of it, all of the time, every day. You’re saying ‘Your life will not go unnoticed because I will notice it. Your life will not go un-witnessed because I will be your witness.’ ” The sacramental bond that unites two people in a marriage or committed relationship is known as a covenant. A covenant—the word means mutual agreement—is a promise to bear witness to the life of another: the good things, the bad things, the terrible things, the mundane things. At its heart, the relationship among members of a religious community is covenantal as well. As with marriage, the relationship also includes other dimensions, such as friendship and perhaps financial and/or legal partnership. But the defining commitment that members of a religious community make to each other arises from their calling—their covenantal duty—to bear witness to each other’s lives: the lives they now lead and the lives they hope to lead in the future, and the world they now occupy and the world they hope to occupy in the future.

As we’ve seen, one of the most frequently pursued paths for achievement-minded college seniors is to spend several years advancing professionally and getting trained and paid by an investment bank, consulting firm, or law firm. Then, the thought process goes, they can set out to do something else with some exposure and experience under their belts. People are generally not making lifelong commitments to the field in their own minds. They’re “getting some skills” and making some connections before figuring out what they really want to do. I subscribed to a version of this mind-set when I graduated from Brown. In my case, I went to law school thinking I’d practice for a few years (and pay down my law school debt) before lining up another opportunity. It’s clear why this is such an attractive approach. There are some immensely constructive things about spending several years in professional services after graduating from college. Professional service firms are designed to train large groups of recruits annually, and they do so very successfully. After even just a year or two in a high-level bank or consulting firm, you emerge with a set of skills that can be applied in other contexts (financial modeling in Excel if you’re a financial analyst, PowerPoint and data organization and presentation if you’re a consultant, and editing and issue spotting if you’re a lawyer). This is very appealing to most any recent graduate who may not yet feel equipped with practical skills coming right out of college. Even more than the professional skill you gain, if you spend time at a bank, consultancy, or law firm, you will become excellent at producing world-class work. Every model, report, presentation, or contract needs to be sophisticated, well done, and error free, in large part because that’s one of the core value propositions of your organization. The people above you will push you to become more rigorous and disciplined, and your work product will improve across the board as a result. You’ll get used to dressing professionally, preparing for meetings, speaking appropriately, showing up on time, writing official correspondence, and so forth. You will be able to speak the corporate language. You’ll become accustomed to working very long hours doing detail-intensive work. These attributes are transferable to and helpful in many other contexts.

{The final resolutions at Robert Ingersoll's funeral, quoted here} Whereas, in the order of nature -- that nature which moves with unerring certainty in obedience to fixed laws -- Robert G. Ingersoll has gone to that repose which we call death. We, his old friends and fellow-citizens, who have shared his friendship in the past, hereby manifest the respect due his memory. At a time when everything impelled him to conceal his opinions or to withhold their expression, when the highest honors of the state were his if he would but avoid discussion of the questions that relate to futurity, he avowed his belief; he did not bow his knee to superstition nor countenance a creed which his intellect dissented. Casting aside all the things for which men most sigh -- political honor, the power to direct the futures of the state, riches and emoluments, the association of the worldly and the well- to-do -- he stood forth and expressed his honest doubts, and he welcomed the ostracism that came with it, as a crown of glory, no less than did the martyrs of old. Even this self-sacrifice has been accounted shame to him, saying that he was urged thereto by a desire for financial gain, when at the time he made his stand there was before him only the prospect of loss and the scorn of the public. We, therefore, who know what a struggle it was to cut loose from his old associations, and what it meant to him at that time, rejoice in his triumph and in the plaudits that came to him from thus boldly avowing his opinions, and we desire to record the fact that we feel that he was greater than a saint, greater than a mere hero -- he was a thoroughly honest man. He was a believer, not in the narrow creed of a past barbarous age, but a true believer in all that men ought to hold sacred, the sanctity of the home, the purity of friendship, and the honesty of the individual. He was not afraid to advocate the fact that eternal truth was eternal justice; he was not afraid of the truth, nor to avow that he owed allegiance to it first of all, and he was willing to suffer shame and condemnation for its sake. The laws of the universe were his bible; to do good, his religion, and he was true to his creed. We therefore commend his life, for he was the apostle of the fireside, the evangel of justice and love and charity and happiness. We who knew him when he first began his struggle, his old neighbors and friends, rejoice at the testimony he has left us, and we commend his life and efforts as worthy of emulation.

In North America, there is no nostalgia for the postwar period, quite simply because the Trente Glorieuses never existed there: per capita output grew at roughly the same rate of 1.5–2 percent per year throughout the period 1820–2012. To be sure, growth slowed a bit between 1930 and 1950 to just over 1.5 percent, then increased again to just over 2 percent between 1950 and 1970, and then slowed to less than 1.5 percent between 1990 and 2012. In Western Europe, which suffered much more from the two world wars, the variations are considerably greater: per capita output stagnated between 1913 and 1950 (with a growth rate of just over 0.5 percent) and then leapt ahead to more than 4 percent from 1950 to 1970, before falling sharply to just slightly above US levels (a little more than 2 percent) in the period 1970–1990 and to barely 1.5 percent between 1990 and 2012. Western Europe experienced a golden age of growth between 1950 and 1970, only to see its growth rate diminish to one-half or even one-third of its peak level during the decades that followed. [...] If we looked only at continental Europe, we would find an average per capita output growth rate of 5 percent between 1950 and 1970—a level well beyond that achieved in other advanced countries over the past two centuries. These very different collective experiences of growth in the twentieth century largely explain why public opinion in different countries varies so widely in regard to commercial and financial globalization and indeed to capitalism in general. In continental Europe and especially France, people quite naturally continue to look on the first three postwar decades—a period of strong state intervention in the economy—as a period blessed with rapid growth, and many regard the liberalization of the economy that began around 1980 as the cause of a slowdown. In Great Britain and the United States, postwar history is interpreted quite differently. Between 1950 and 1980, the gap between the English-speaking countries and the countries that had lost the war closed rapidly. By the late 1970s, US magazine covers often denounced the decline of the United States and the success of German and Japanese industry. In Britain, GDP per capita fell below the level of Germany, France, Japan, and even Italy. It may even be the case that this sense of being rivaled (or even overtaken in the case of Britain) played an important part in the “conservative revolution.” Margaret Thatcher in Britain and Ronald Reagan in the United States promised to “roll back the welfare state” that had allegedly sapped the animal spirits of Anglo-Saxon entrepreneurs and thus to return to pure nineteenth-century capitalism, which would allow the United States and Britain to regain the upper hand. Even today, many people in both countries believe that the conservative revolution was remarkably successful, because their growth rates once again matched continental European and Japanese levels. In fact, neither the economic liberalization that began around 1980 nor the state interventionism that began in 1945 deserves such praise or blame. France, Germany, and Japan would very likely have caught up with Britain and the United States following their collapse of 1914–1945 regardless of what policies they had adopted (I say this with only slight exaggeration). The most one can say is that state intervention did no harm. Similarly, once these countries had attained the global technological frontier, it is hardly surprising that they ceased to grow more rapidly than Britain and the United States or that growth rates in all of these wealthy countries more or less equalized [...] Broadly speaking, the US and British policies of economic liberalization appear to have had little effect on this simple reality, since they neither increased growth nor decreased it.

Honorable, happy, and successful marriage is surely the principal goal of every normal person. Marriage is perhaps the most vital of all the decisions and has the most far-reaching effects, for it has to do not only with immediate happiness, but also with eternal joys. It affects not only the two people involved, but also their families and particularly their children and their children’s children down through the many generations. In selecting a companion for life and for eternity, certainly the most careful planning and thinking and praying and fasting should be done to be sure that of all the decisions, this one must not be wrong. In true marriage there must be a union of minds as well as of hearts. Emotions must not wholly determine decisions, but the mind and the heart, strengthened by fasting and prayer and serious consideration, will give one a maximum chance of marital happiness. It brings with it sacrifice, sharing, and a demand for great selflessness. . . . Some think of happiness as a glamorous life of ease, luxury, and constant thrills; but true marriage is based on a happiness which is more than that, one which comes from giving, serving, sharing, sacrificing, and selflessness. . . . One comes to realize very soon after marriage that the spouse has weaknesses not previously revealed or discovered. The virtues which were constantly magnified during courtship now grow relatively smaller, and the weaknesses which seemed so small and insignificant during courtship now grow to sizable proportions. The hour has come for understanding hearts, for self-appraisal, and for good common sense, reasoning, and planning. . . . “Soul mates” are fiction and an illusion; and while every young man and young woman will seek with all diligence and prayerfulness to find a mate with whom life can be most compatible and beautiful, yet it is certain that almost any good man and any good woman can have happiness and a successful marriage if both are willing to pay the price. There is a never-failing formula which will guarantee to every couple a happy and eternal marriage; but like all formulas, the principal ingredients must not be left out, reduced, or limited. The selection before courting and then the continued courting after the marriage process are equally important, but not more important than the marriage itself, the success of which depends upon the two individuals—not upon one, but upon two. . . . The formula is simple; the ingredients are few, though there are many amplifications of each. First, there must be the proper approach toward marriage, which contemplates the selection of a spouse who reaches as nearly as possible the pinnacle of perfection in all the matters which are of importance to the individuals. And then those two parties must come to the altar in the temple realizing that they must work hard toward this successful joint living. Second, there must be a great unselfishness, forgetting self and directing all of the family life and all pertaining thereunto to the good of the family, subjugating self. Third, there must be continued courting and expressions of affection, kindness, and consideration to keep love alive and growing. Fourth, there must be a complete living of the commandments of the Lord as defined in the gospel of Jesus Christ. . . . Two individuals approaching the marriage altar must realize that to attain the happy marriage which they hope for they must know that marriage is not a legal coverall, but it means sacrifice, sharing, and even a reduction of some personal liberties. It means long, hard economizing. It means children who bring with them financial burdens, service burdens, care and worry burdens; but also it means the deepest and sweetest emotions of all. . . . To be really happy in marriage, one must have a continued faithful observance of the commandments of the Lord. No one, single or married, was ever sublimely happy unless he was righteous.

Each purpose, each mission, is meant to be fully lived to the point where it becomes empty, boring, and useless. Then it should be discarded. This is a sign of growth, but you may mistake it for a sign of failure. For instance, you may take on a business project, work at it for several years, and then suddenly find yourself totally disinterested. You know that if you stayed with it for another few years you would reap much greater financial reward than if you left the project now. But the project no longer calls you. You no longer feel interested in the project. You have developed skills over the last few years working on the project, but it hasn’t yet come to fruition. You may wonder, now that you have the skills, should you stick with it and bring the project to fruition, even though the work feels empty to you? Well, maybe you should stick with it. Maybe you are bailing out too soon, afraid of success or failure, or just too lazy to persevere. This is one possibility. Ask your close men friends if they feel you are simply losing steam, wimping out, or afraid to bring your project to completion. If they feel you are bailing out too soon, stick with it. However, there is also the possibility that you have completed your karma in this area. It is possible that this was one layer of purpose, which you have now fulfilled, on the way to another layer of purpose, closer to your deepest purpose. Among the signs of fulfilling or completing a layer of purpose are these: 1. You suddenly have no interest whatsoever in a project or mission that, just previously, motivated you highly. 2. You feel surprisingly free of any regrets whatsoever, for starting the project or for ending it. 3. Even though you may not have the slightest idea of what you are going to do next, you feel clear, unconfused, and, especially, unburdened. 4. You feel an increase in energy at the prospect of ceasing your involvement with the project. 5. The project seems almost silly, like collecting shoelaces or wallpapering your house with gas station receipts. Sure, you could do it, but why would you want to? If you experience these signs, it is probably time to stop working on this project. You must end your involvement impeccably, however, making sure there are no loose ends and that you do not burden anybody’s life by stopping your involvement. This might take some time, but it is important that this layer of your purpose ends cleanly and does not create any new karma, or obligation, that will burden you or others in the future. The next layer of your unfolding purpose may make itself clear immediately. More often, however, it does not. After completing one layer of purpose, you might not know what to do with your life. You know that the old project is over for you, but you are not sure of what is next. At this point, you must wait for a vision. There is no way to rush this process. You may need to get an intermediary job to hold you over until the next layer of purpose makes itself clear. Or, perhaps you have enough money to simply wait. But in any case, it is important to open yourself to a vision of what is next. You stay open to a vision of your deeper purpose by not filling your time with distractions. Don’t watch TV or play computer games. Don’t go out drinking beer with your friends every night or start dating a bunch of women. Simply wait. You may wish to go on a retreat in a remote area and be by yourself. Whatever it is you decide to do, consciously keep yourself open and available to receiving a vision of what is next. It will come.