Financially Stressed Quotes

you cannot enjoy the light without enduring the heat.

A higher minimum wage is an antidepressant. It is a sleep aid. A stress reliever. Vocal segments of the American public, those with brain space to spare, seem to believe the poor should change their behavior to escape poverty. Get a better job. Stop having children. Make smarter financial decisions. In truth, it’s the other way around: Economic security leads to better choices.

It seems wrong and unfair that Christmas, with its stressful and unmanageable financial and emotional challenges, should first be forced upon one wholly against one's will, then rudely snatched away just when one is starting to get into it. Was really beginning to enjoy the feeling that normal service was suspended and it was OK to lie in bed as long as you want, put anything you fancy into your mouth, and drink alcohol whenever it should chance to pass your way, even in the mornings. Now suddenly we are all supposed to snap into self-discipline like lean teenage greyhounds.

you can’t judge a decision by how it turns out, only by whether it made sense given the information available at the time.

If you’ve ever felt stress—and who hasn’t?—chances are excellent that it’s because you felt you just didn’t have enough time to do what you wanted to at the level of quality to which you were committed.

If financial freedom and autonomy are your goals, your beliefs must align with those goals. If they don’t, you’ll either (A) lie to yourself, or (B) sabotage your effort, causing tension and stress. Both make goals unobtainable.

....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.

It seems wrong and unfair that Christmas, with its stressful and unmanageable financial and emotional challenges, should first be forced upon one wholly against one’s will, then rudely snatched away just when one is starting to get into it.

For a few weeks Marco and I talked about the purpose of our lives. We’d come to see that our debt-ridden lifestyle was hindering us from accomplishing all we were created to do.

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

Time debt is as big a problem as financial debt.

wealth is the absence of economic anxiety. Freed of the pressure to earn, we can choose how we live. Our relationships with others aren’t shadowed by the stress of money. It sounds basic, easy even.

It seems wrong and unfair that Christmas, with its stressful and unmanageable financial and emotional challenges, should first be forced upon one wholly against one's will, then rudely snatched away just when one is starting to get into it.

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

Financial success isn’t about how much you make, but about what you do with what you make.” “I work too hard for my money to spend it on fruitless things.” “It’s our responsibility today to plan for tomorrow’s expenses.” “Most of America’s wealthy aren’t showing it off.

Financial stability cannot depend on omniscient supervisors identifying and preemptively defusing any potential source of crisis; it requires safeguards that can help the system withstand the force of a severe storm, and tools the government can use to limit the damage.

The reality is that Murphy doesn’t visit as much, but when he does, we hardly notice his presence. When Sharon and I were broke, our heating-and-air system quit, and the repair cost $580. It was a huge, hairy deal. Recently I had a new $570 water heater installed because the old one started leaking, and I hardly noticed. I wonder if the stress relief that your Total Money Makeover provides will allow you to live longer?

The more highly competitive the market for labor and for the employer’s products, the higher the cost paid for discrimination and consequently the less leeway the employer has for indulging his prejudices without risking his own profits and ultimately the financial survival of the business. On the other hand, enterprises not subject to the full stress of a competitive market—monopolies, non-profit enterprises, government agencies—have greater leeway.

The battle to be satisfied is a battle of focus. We often spend our time mulling over what we don’t have instead of considering the benefits of what we already possess. To walk in a place of contentment, there are two things you have to do: Focus on the good aspects of what you already have. Stop thinking about what you don’t have.

Even if we don't want to admit it, the ability to overcome most obstacles is within our hands. We can't blame family, society, or history if our work is meaningless, dull, or stressful. Admittedly, there are not too many options when we realize that our job is useless, or actually harmful. Perhaps the only choice is to quit as quickly as possible, even at the cost of severe financial hardship. In terms of the bottom line of one's life, it is always a better deal to do something one feels good about than something that may make us materially comfortable but emotionally miserable. Such decisions are notoriously difficult, and require great honesty with oneself.

However, as I observed the lifestyles of the people ahead of me in their careers, it slowly dawned on me that the only reward awaiting me was working more hours, internalizing more stress, and continuing to be salary dependent with no end in sight. I thought I had invested in myself, but really, I had invested in a lifelong treadmill.

Narcissists are manipulative and masterful at twisting the situation and working the rules to get what they want. Even more frustrating, they will turn things around in such a way that you may ultimately give them what they want and exhaust yourself in the process. Early in a relationship, the manipulation is most often emotional (“I had a tough childhood, so sometimes I say things I do not mean” or “I am under a lot of stress, so I blew up—I didn’t really mean it”) and financial (masterfully getting you to take on disproportionately more financial responsibility, finding yourself spending money you do not have to keep your relationship going and your partner happy.

Over time, stress hormones from multitasking can damage memory centers in the brain. Focus on one task at a time for better efficiency and memory.

If anyone could anticipate a market drop, no one would ever invest in the market above the level to which it will decline. That is to say, market corrections are unforeseen events.

Since money is fungible, efforts to save small amounts on small purchases are absurd if you ignore them during pricier transactions. $1.75 is still worth $1.75.

More often than not, extreme events revert to the mean—the average—for no other reason than that result is more likely.

Formulating a false story to justify your fears may make you feel better, but it isn't a successful investment strategy.

Unforeseen events are precisely that: unforeseeable. So, timing the market is for biased investors.

It should be stressed here again, however, that basic trend analysis is still the overriding consideration.

Once bitten, twice shy isn't a very good investment strategy.

The sooner you begin saving, the better your chances to attain more wealth, with the added benefit of reducing the number of contributions you'll need to make.

The rating agencies were not exceedingly competent

Have you ever experienced a shattering in your own personal life? Where death, divorce, financial loss, failure, or disaster changed your world to such an extent that you weren’t sure how to rebuild again? Clearing the debris from the aftermath is a great first step. It enables you to start with a clean slate so you can rebuild exactly what you desire. Where can you begin?

Experts tout many positive reasons to save money, including being able to afford things like a home, car or holiday, becoming financially independent and being prepared for unforeseen expenses or emergencies. Ultimately, putting money aside for a rainy day will make you feel less stressed, more in control of your finances and all-around happier. Now that's worth saving for!

Better yet, go out for a skip instead of a jog. Skipping is such a powerful way to change your state because it does four things: 1) It’s great exercise; 2) you’ll have less stress on your body than running; 3) you won’t be able to keep a serious look on your face; and 4) you’ll entertain everybody who’s driving by! So you’ll be changing other people’s states, too, by making them laugh.

The history of modern stock market crashes invariably includes some theoretically sophisticated yet poorly understood financial contraption that mutates when stressed, pushing an already weakened system closer to the cliff.

Hard times of any kind—financial, familial, or job-related—create more intense and often prolonged negative emotions that ultimately result in stress. In addition to the physical costs of stress, such as weight gain and heart disease, stress also taxes our mental resources.

For example, you can help avoid the stress of financial insecurity by living within your means and saving for the future. You can also get a solid education and qualify for a well-paying job. The basic principles of economics can’t be violated without stressful consequences.

Men can make boardroom presentations, solve difficult business problems, make complicated financial projections and drive back home, maneuvering through rush-hour traffic without feeling stressed. What stresses them is the dreaded question at the dinner table, ‘How did your day go?

What if the formula “more stuff equals more happiness” is bad math? What if more stuff often just equals more stress? More hours at the office, more debt, more years working in a job I don’t feel called to, more time wasted cleaning and maintaining and fixing and playing with and organizing and reorganizing and updating all that junk I don’t even need. What if more stuff actually equals less of what matters most? Less time. Less financial freedom. Less generosity, which according to Jesus is where the real joy is. Less peace, as I hurry my way through the mall parking lot. Less focus on what life is actually about. Less mental real estate for creativity. Less relationships. Less margin. Less prayer. Less of what I actually ache for? What if I were to reject my culture’s messaging as a half-truth at best, if not a full-on lie, and live into another message? Another gospel?

In 2021, 73 percent of Americans ranked financial issues as their number one cause of stress—above politics, work, or family—and these numbers are highest in Generation Z and Millennials, with over 80 percent of people born after 1980 reporting that they find their finances to be a source of stress.

I can’t emphasize this enough: the quickest and easiest way to screw up your life is to take on too much debt. The primary reason people spend decades working in jobs they despise is to pay off their creditors. Financial stress can destroy relationships, threaten your health, and jeopardize your sanity.

Life is also about balance, just the way recipes are about balance. When your recipe isn't balanced, it doesn't taste right. Too much salt, or too little can make all the difference. Lack of acid, too much bitter or sweetness, if you don't find the balance your food will never be all it can be. The same is true of your life. You need it all. Work that makes you happy and fulfilled and supports you financially. Family and friends to lean on and celebrate with. Hopefully someone special to share your life with, and a family of your own if you want that. Some way of giving back, in honor of your own blessings. A sense of spirituality or something that keeps you grounded. Time to do the things you need for good health, eating right and exercising and managing your stress. If you have too much of one and not enough of another, then your life isn't balanced, and without that balance, nothing else will matter.

We bear financial responsibilities that men had in the old days while still saddled with traditional caregiving duties. We generally incur this double whammy precisely while hitting peak stress in both our careers and child-raising--in our forties, at an age when most of our mothers and grandmothers were already empty nesters.

Matriculations, gender quotas, recruiting, financial aid, room-assignments, mealtimes, rankings, class v. drill schedules, prorector-hiring, accommodating changes in drill schedule consequent to a player's movement up or down a squad. It's all the sort of thing that's uninteresting unless you're the one responsible, in which case it's cholesterol-raisingly stressful and complex.

I predicted that, in order to live a vital life, prevent disease, or optimize the chance for disease remission, you would need: Healthy relationships, including a strong network of family, friends, loved ones, and colleagues A healthy, meaningful way to spend your days, whether you work outside the home or in it A healthy, fully expressed creative life that allows your soul to sing its song A healthy spiritual life, including a sense of connection to the sacred in life A healthy sexual life that allows you the freedom to express your erotic self and explore fantasies A healthy financial life, free of undue financial stress, which ensures that the essential needs of your body are met A healthy environment, free of toxins, natural-disaster hazards, radiation, and other unhealthy factors that threaten the health of the body A healthy mental and emotional life, characterized by optimism and happiness and free of fear, anxiety, depression, and other mental-health ailments A healthy lifestyle that supports the physical health of the body, such as good nutrition, regular exercise, adequate sleep, and avoidance of unhealthy addictions

You can try it for yourself right now, if you like. Choose one project that is new or stuck or that could simply use some improvement. Think of your purpose. Think of what a successful outcome would look like: where would you be physically, financially, in terms of reputation, or whatever? Brainstorm potential steps. Organize your ideas. Decide on the next actions. Are you any clearer about where you want to go and how to get there?

income taxes are not the only taxes you pay in life. They are just the financial form. Everything we do has a toll attached to it. Waiting around is a tax on traveling. Rumors and gossip are the taxes that come from acquiring a public persona. Disagreements and occasional frustration are taxes placed on even the happiest of relationships. Theft is a tax on abundance and having things that other people want. Stress and problems are tariffs that come attached to success.

It is clear that the crusade imposed on its participants extraordinary stresses. In an alien environment they experienced not only the perils of warfare, but also inflation, poverty, starvation, disease and death. They were often frightened and homesick. The knights among them were humiliated as they lost status without their arms and horses. Most of the leaders had nagging financial worries. It is not hard to understand their obsession with horses and their desire for loot.

Forcing new loans upon the bankrupt on condition that they shrink their income is nothing short of cruel and unusual punishment. Greece was never bailed out. With their ‘rescue’ loan and their troika of bailiffs enthusiastically slashing incomes, the EU and IMF effectively condemned Greece to a modern version of the Dickensian debtors’ prison and then threw away the key. Debtors’ prisons were ultimately abandoned because, despite their cruelty, they neither deterred the accumulation of new bad debts nor helped creditors get their money back. For capitalism to advance in the nineteenth century, the absurd notion that all debts are sacred had to be ditched and replaced with the notion of limited liability. After all, if all debts are guaranteed, why should lenders lend responsibly? And why should some debts carry a higher interest rate than other debts, reflecting the higher risk of going bad? Bankruptcy and debt write-downs became for capitalism what hell had always been for Christian dogma – unpleasant yet essential – but curiously bankruptcy-denial was revived in the twenty-first century to deal with the Greek state’s insolvency. Why? Did the EU and the IMF not realize what they were doing? They knew exactly what they were doing. Despite their meticulous propaganda, in which they insisted that they were trying to save Greece, to grant the Greek people a second chance, to help reform Greece’s chronically crooked state and so on, the world’s most powerful institutions and governments were under no illusions. […] Banks restructure the debt of stressed corporations every day, not out of philanthropy but out of enlightened self-interest. But the problem was that, now that we had accepted the EU–IMF bailout, we were no longer dealing with banks but with politicians who had lied to their parliaments to convince them to relieve the banks of Greece’s debt and take it on themselves. A debt restructuring would require them to go back to their parliaments and confess their earlier sin, something they would never do voluntarily, fearful of the repercussions. The only alternative was to continue the pretence by giving the Greek government another wad of money with which to pretend to meet its debt repayments to the EU and the IMF: a second bailout.

Materialism takes a good thing that God gives us and makes it an ultimate thing. It attaches our self-worth to our net worth. It actually stunts and even destroys our spiritual lives. It wrenches our focus away from God and places it on objects. It blinds us to the curses of wealth. And it invariably ends in futility. It will never lead to true joy and fulfillment. Those blessings can only come from relationship with God and becoming the person He created you to be for His purposes. The spirit of materialism leaves us miserable, alienated from others, and separated from God—alone in every way.

The intelligent want self-control; children want candy. —RUMI INTRODUCTION Welcome to Willpower 101 Whenever I mention that I teach a course on willpower, the nearly universal response is, “Oh, that’s what I need.” Now more than ever, people realize that willpower—the ability to control their attention, emotions, and desires—influences their physical health, financial security, relationships, and professional success. We all know this. We know we’re supposed to be in control of every aspect of our lives, from what we eat to what we do, say, and buy. And yet, most people feel like willpower failures—in control one moment but overwhelmed and out of control the next. According to the American Psychological Association, Americans name lack of willpower as the number-one reason they struggle to meet their goals. Many feel guilty about letting themselves and others down. Others feel at the mercy of their thoughts, emotions, and cravings, their lives dictated by impulses rather than conscious choices. Even the best-controlled feel a kind of exhaustion at keeping it all together and wonder if life is supposed to be such a struggle. As a health psychologist and educator for the Stanford School of Medicine’s Health Improvement Program, my job is to help people manage stress and make healthy choices. After years of watching people struggle to change their thoughts, emotions, bodies, and habits, I realized that much of what people believed about willpower was sabotaging their success and creating unnecessary stress. Although scientific research had much to say that could help them, it was clear that these insights had not yet become part of public understanding. Instead, people continued to rely on worn-out strategies for self-control. I saw again and again that the strategies most people use weren’t just ineffective—they actually backfired, leading to self-sabotage and losing control. This led me to create “The Science of Willpower,” a class offered to the public through Stanford University’s Continuing Studies program. The course brings together the newest insights about self-control from psychology, economics, neuroscience, and medicine to explain how we can break old habits and create healthy habits, conquer procrastination, find our focus, and manage stress. It illuminates why we give in to temptation and how we can find the strength to resist. It demonstrates the importance of understanding the limits of self-control,

But derivatives did create new dangers. If you were making a loan, and you were confident you could hedge some of the credit risk of that loan, you might be tempted to make a larger and riskier loan. And the instruments themselves often had leverage embedded in them, so investors could be exposed to greater losses than they realized. Firms weren’t required by law to post any collateral (or “margin”) to make derivatives trades, and the market wasn’t requiring them to post much, either. This meant fewer shock absorbers for the system if those trades went bad. That’s why Warren Buffett had called derivatives “financial weapons of mass destruction.

Many professional athletes make a lot of money quickly. They also spend a lot of money in a short time and very often declare bankruptcy quickly. About 16 percent of NFL players file for bankruptcy within twelve years of retirement, despite average career earnings of about $3.2 million.9 Some studies say the number of NFL players “under financial stress” is much higher—as high as 78 percent—within a few years of retirement. Similarly, about 60 percent of NBA basketball players are in financial trouble within five years of leaving the game.10 There are similar stories about lottery winners losing it all. Despite their big paydays, about 70 percent of lottery winners go broke within three years.11

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.

It is critical to recognize that we live in an increasingly complex world - biologically, socially, politically, technologically, you name it - that holds many inherent contradictions. In the middle of this complex world are we humans, who have a natural tendency to seek coherence in what we see, feel, think, and do. When we experience conflict, this tendency intensifies. Conflict is essentially a contradiction, an incompatibility, oppositely directed forces, and a difference that triggers tension. When we encounter conflict, within the field of forces that constitute it, the natural human tendency is to reduce that tension by seeking coherence through simplification. Research shows that this tendency toward simplification becomes even more intensified when we are under stress, threat, time constraints, fatigue, and various other conditions all absolutely typical of conflict. So what is the big idea? It is NOT that coherence is bad and complexity is good. Coherence seeking is simply a necessary and functional process that helps us interpret and respond to our world efficiently and (hopefully) effectively. And complexity in extremes is a nightmare - think of Mogadishu, Somalia, in the 1990s or the financial crisis of 2009 or Times Square during rush hour on a Friday afternoon. On the other hand, too much coherence can be just as pathological: for example, the collapse of the nuances and contradictions inherent in any conflict situation into simple 'us versus them' terms, or a deep commitment to a rigid understanding of conflicts based on past sentiments and obsolete information. Either extreme - overwhelming complexity or oversimplified coherence - is problematic. But in difficult, long-term conflicts, the tide pulls fiercely toward simplification of complex realities. This is what we must content with.

Values come from the heart and are immutable at the moment. Yes, they may change tomorrow, a month from now, or a year from now. But at this moment, your signature values are something you feel so strongly about; they can’t be changed or compromised. In fact, they determine how happy you are at any moment in your life. And the word signature means that you have a hierarchy (a prioritized list) of values that are yours and yours alone. The only way you can find joy in life and in your career is to know what your signature values are and then to work hard living harmoniously with them. For instance, if you value health and are not healthy physically or emotionally, you can’t be happy. If you value financial independence and are broke, you can’t be happy. If you value a loving relationship and you are in a toxic and unhealthy one, you can’t be happy. If you value peace of mind but experience constant stress, you can’t be happy.

The experience of stress has three components. The first is the event, physical or emotional, that the organism interprets as threatening. This is the stress stimulus, also called the stressor. The second element is the processing system that experiences and interprets the meaning of the stressor. In the case of human beings, this processing system is the nervous system, in particular the brain. The final constituent is the stress response, which consists of the various physiological and behavioural adjustments made as a reaction to a perceived threat. We see immediately that the definition of a stressor depends on the processing system that assigns meaning to it. The shock of an earthquake is a direct threat to many organisms, though not to a bacterium. The loss of a job is more acutely stressful to a salaried employee whose family lives month to month than to an executive who receives a golden handshake. Equally important is the personality and current psychological state of the individual on whom the stressor is acting. The executive whose financial security is assured when he is terminated may still experience severe stress if his self-esteem and sense of purpose were completely bound up with his position in the company, compared with a colleague who finds greater value in family, social interests or spiritual pursuits. The loss of employment will be perceived as a major threat by the one, while the other may see it as an opportunity. There is no uniform and universal relationship between a stressor and the stress response. Each stress event is singular and is experienced in the present, but it also has its resonance from the past. The intensity of the stress experience and its long-term consequences depend on many factors unique to each individual. What defines stress for each of us is a matter of personal disposition and, even more, of personal history. Selye discovered that the biology of stress predominantly affected three types of tissues or organs in the body: in the hormonal system, visible changes occurred in the adrenal glands; in the immune system, stress affected the spleen, the thymus and the lymph glands; and the intestinal lining of the digestive system. Rats autopsied after stress had enlarged adrenals, shrunken lymph organs and ulcerated intestines.

What is a “pyramid?” I grew up in real estate my entire life. My father built one of the largest real estate brokerage companies on the East Coast in the 1970s, before selling it to Merrill Lynch. When my brother and I graduated from college, we both joined him in building a new real estate company. I went into sales and into opening a few offices, while my older brother went into management of the company. In sales, I was able to create a six-figure income. I worked 60+ hours a week in such pursuit. My brother worked hard too, but not in the same fashion. He focused on opening offices and recruiting others to become agents to sell houses for him. My brother never listed and sold a single house in his career, yet he out-earned me 10-to-1. He made millions because he earned a cut of every commission from all the houses his 1,000+ agents sold. He worked smarter, while I worked harder. I guess he was at the top of the “pyramid.” Is this legal? Should he be allowed to earn more than any of the agents who worked so hard selling homes? I imagine everyone will agree that being a real estate broker is totally legal. Those who are smart, willing to take the financial risk of overhead, and up for the challenge of recruiting good agents, are the ones who get to live a life benefitting from leveraged Income. So how is Network Marketing any different? I submit to you that I found it to be a step better. One day, a friend shared with me how he was earning the same income I was, but that he was doing so from home without the overhead, employees, insurance, stress, and being subject to market conditions. He was doing so in a network marketing business. At first I refuted him by denouncements that he was in a pyramid scheme. He asked me to explain why. I shared that he was earning money off the backs of others he recruited into his downline, not from his own efforts. He replied, “Do you mean like your family earns money off the backs of the real estate agents in your company?” I froze, and anyone who knows me knows how quick-witted I normally am. Then he said, “Who is working smarter, you or your dad and brother?” Now I was mad. Not at him, but at myself. That was my light bulb moment. I had been closed-minded and it was costing me. That was the birth of my enlightenment, and I began to enter and study this network marketing profession. Let me explain why I found it to be a step better. My research led me to learn why this business model made so much sense for a company that wanted a cost-effective way to bring a product to market. Instead of spending millions in traditional media ad buys, which has a declining effectiveness, companies are opting to employ the network marketing model. In doing so, the company only incurs marketing cost if and when a sale is made. They get an army of word-of-mouth salespeople using the most effective way of influencing buying decisions, who only get paid for performance. No salaries, only commissions. But what is also employed is a high sense of motivation, wherein these salespeople can be building a business of their own and not just be salespeople. If they choose to recruit others and teach them how to sell the product or service, they can earn override income just like the broker in a real estate company does. So now they see life through a different lens, as a business owner waking up each day excited about the future they are building for themselves. They are not salespeople; they are business owners.

Reducing your anxiety to zero isn’t possible or useful. Anxiety itself isn’t the problem. The problem occurs when anxiety gets to the point that it’s paralyzing, and you become stuck. I think of these bottlenecks as anxiety traps. We’re going to work on managing your responses to five anxiety traps: excessively hesitating before taking action, ruminating and worrying, paralyzing perfectionism, fear of feedback and criticism, and avoidance (including procrastination). The reason I’ve chosen to focus on these particular five traps is that I’ve found them to be the common threads that affect virtually all of the anxious clients I’ve worked with. The traps are self-perpetuating because they generate additional stress. For example, someone hesitates so much that she misses important opportunities, and this leads to being financially worse off. Or someone avoids feedback and then isn’t alerted to real problems that could have been rectified earlier. When people are caught in any of the five anxiety traps, they often fail to see the big picture and don’t problem-solve in effective ways. Learning how to navigate these bottlenecks will allow you to manage your anxious tendencies so that you can pursue your goals in life, whatever those goals may be.

[Hyun Song Shin] most accurately portrayed the state of the global economy. 'I'd like to tell you about the Millennium Bridge in London,' he began…'The bridge was opened by the queen on a sunny day in June,' Shin continued. 'The press was there in force, and many thousands of people turned up to savor the occasion. However, within moments of the bridge's opening, it began to shake violently.' The day it opened, the Millennium Bridge was closed. The engineers were initially mystified about what had gone wrong. Of course it would be a problem if a platoon of soldiers marched in lockstep across the bridge, creating sufficiently powerful vertical vibration to produce a swaying effect. The nearby Albert Bridge, built more than a century earlier, even features a sign directing marching soldiers to break step rather than stay together when crossing. But that's not what happened at the Millennium Bridge. 'What is the probability that a thousand people walking at random will end up walking exactly in step, and remain in lockstep thereafter?' Shin asked. 'It is tempting to say, 'Close to Zero' ' But that's exactly what happened. The bridge's designers had failed to account for how people react to their environment. When the bridge moved slightly under the feet of those opening-day pedestrians, each individual naturally adjusted his or her stance for balance, just a little bit—but at the same time and in the same direction as every other individual. That created enough lateral force to turn a slight movement into a significant one. 'In other words,' said Shin, 'the wobble of the bridge feeds on itself. The wobble will continue and get stronger even though the initial shock—say, a small gust of wind—had long passed…Stress testing on the computer that looks only at storms, earthquakes, and heavy loads on the bridge would regard the events on the opening day as a 'perfect storm.' But this is a perfect storm that is guaranteed to come every day.' In financial markets, as on the Millennium Bridge, each individual player—every bank and hedge fund and individual investor—reacts to what is happening around him or her in concert with other individuals. When the ground shifts under the world's investors, they all shift their stance. And when they all shift their stance in the same direction at the same time, it just reinforces the initial movement. Suddenly, the whole system is wobbling violently. Ben Bernanke, Mervyn King, Jean-Claude Trichet, and the other men and women at Jackson Hole listened politely and then went to their coffee break.

The crime was discovered when Trina became pregnant. As is often the case, the correctional officer was fired but not criminally prosecuted. Trina remained imprisoned and gave birth to a son. Like hundreds of women who give birth while in prison, Trina was completely unprepared for the stress of childbirth. She delivered her baby while handcuffed to a bed. It wasn’t until 2008 that most states abandoned the practice of shackling or handcuffing incarcerated women during delivery. Trina’s baby boy was taken away from her and placed in foster care. After this series of events—the fire, the imprisonment, the rape, the traumatic birth, and then the seizure of her son—Trina’s mental health deteriorated further. Over the years, she became less functional and more mentally disabled. Her body began to spasm and quiver uncontrollably, until she required a cane and then a wheelchair. By the time she had turned thirty, prison doctors diagnosed her with multiple sclerosis, intellectual disability, and mental illness related to trauma. Trina had filed a civil suit against the officer who raped her, and the jury awarded her a judgment of $62,000. The guard appealed, and the Court reversed the verdict because the correctional officer had not been permitted to tell the jury that Trina was in prison for murder. Consequently, Trina never received any financial aid or services from the state to compensate her for being violently raped by one of its “correctional” officers. In 2014, Trina turned fifty-two. She has been in prison for thirty-eight years. She is one of nearly five hundred people in Pennsylvania who have been condemned to mandatory life imprisonment without parole for crimes they were accused of committing when they were between the ages of thirteen and seventeen. It is the largest population of child offenders condemned to die in prison in any single jurisdiction in the world.

His Burden Is Light Then Jesus said, “Come to me, all of you who are weary and carry heavy burdens, and I will give you rest. Take my yoke upon you. Let me teach you, because I am humble and gentle, and you will find rest for your souls. For my yoke fits perfectly, and the burden I give you is light.” Matthew 11:28-30 What heavy burden is weighing you down and causing a heaviness and weariness in your spirit? Is it the need to take care of an elderly parent? a seemingly impossible deadline at work? juggling overwhelming responsibilities of a job plus parenting a houseful of kids? the burden of chronic illness? a difficult relationship with someone you love? financial struggles? Whatever your “heavy burden” might be, Jesus invites you, just as he did the crowds he was teaching: Come to me. Give me the heavy load you’re carrying. And in exchange, I will give you rest. Whenever I read these verses from Matthew, I breathe a sigh of relief. Jesus knows the challenges and deadlines we face and the weariness of mind or body we feel. He understands the stress, tasks, and responsibilities that are weighing us down. As we lay all that concerns us before him, his purpose replaces our agenda, and his lightness and rest replace our burden. LORD, thank you for your offer to carry my burdens for me. I give them all to you and I gladly receive your rest! I place myself under your yoke to learn from you. Teach me your wisdom that is humble and pure, and help me to walk in the ways you set before me. Thank you for your mercy and love that invite me to live my life resting and trusting in you!   WHEN HE SAYS TO YOUR DISTURBED, DISTRACTED, RESTLESS SOUL OR MIND, “COME UNTO ME,” HE IS SAYING, COME OUT OF THE STRIFE AND DOUBT AND STRUGGLE OF WHAT IS AT THE MOMENT WHERE YOU STAND, INTO THAT WHICH WAS AND IS AND IS TO BE—THE ETERNAL, THE ESSENTIAL, THE ABSOLUTE. Phillips Brooks (1835-1893)    

Obama is also directing the U.S. government to invest billions of dollars in solar and wind energy. In addition, he is using bailout leverage to compel the Detroit auto companies to build small, “green” cars, even though no one in the government has investigated whether consumers are interested in buying small, “green” cars—the Obama administration just believes they should. All these measures, Obama recognizes, are expensive. The cap and trade legislation is estimated to impose an $850 billion burden on the private sector; together with other related measures, the environmental tab will exceed $1 trillion. This would undoubtedly impose a significant financial burden on an already-stressed economy. These measures are billed as necessary to combat global warming. Yet no one really knows if the globe is warming significantly or not, and no one really knows if human beings are the cause of the warming or not. For years people went along with Al Gore’s claim that “the earth has a fever,” a claim illustrated by misleading images of glaciers disappearing, oceans swelling, famines arising, and skies darkening. Apocalypse now! Now we know that the main body of data that provided the basis for these claims appears to have been faked. The Climategate scandal showed that scientists associated with the Intergovernmental Panel on Climate Change were quite willing to manipulate and even suppress data that did not conform to their ideological commitment to global warming.3 The fakers insist that even if you discount the fakery, the data still show.... But who’s in the mood to listen to them now? Independent scientists who have reviewed the facts say that average global temperatures have risen by around 1.3 degrees Fahrenheit in the past 100 years. Lots of things could have caused that. Besides, if you project further back, the record shows quite a bit of variation: periods of warming, followed by periods of cooling. There was a Medieval Warm Period around 1000 A.D., and a Little Ice Age that occurred several hundred years later. In the past century, the earth warmed slightly from 1900 to 1940, then cooled slightly until the late 1970s, and has resumed warming slightly since then. How about in the past decade or so? Well, if you count from 1998, the earth has cooled in the past dozen years. But the statistic is misleading, since 1998 was an especially hot year. If you count from 1999, the earth has warmed in the intervening period. This statistic is equally misleading, because 1999 was a cool year. This doesn’t mean that temperature change is in the eye of the beholder. It means, in the words of Roy Spencer, former senior scientist for climate studies at NASA, that “all this temperature variability on a wide range of time scales reveals that just about the only thing constant in climate is change.”4

60 month loans are long term financial deal that can be easily availed by the borrowers for meeting their various dream and requirements. With the help of this loan service borrowers can easily access hassle free funds with taking any stress. The amount of cash availed from this cash deal can be easily repaid by the borrowers in terms of installments.

That’s true because change happens first on the inside, then shows up

He liked to remind us that just because there was a problem didn’t mean there was a solution. But as I liked to point out, the absence of a perfect solution didn’t mean there wasn’t a problem.

Most Americans still believe we threw away billions or even trillions of their hard-earned dollars to bail out greedy banks. In fact, the financial system repaid all our assistance, and U.S. taxpayers have turned a profit from our crisis response, including our investments in all five of those financial bombs.

Choose one project that is new or stuck or that could simply use some improvement. Think of your purpose. Think of what a successful outcome would look like: where would you be physically, financially, in terms of reputation, or whatever? Brainstorm potential steps. Organize your ideas. Decide on the next actions. Are you any clearer about where you want to go and how to get there?

Banks are like the economy’s circulatory system, as vital to its everyday functioning as the power grid.

Clearly, having money doesn’t mean you’re immune to money stress. Not for nothing did Notorious B.I.G. coin “Mo Money Mo Problems.

critical importance of long-range dreams and goals

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The question I’m always asked when I tell our story about getting out and staying out of debt is “How did you do it?” And my answer is always “We changed our attitudes toward money.” An attitude is a disposition, orientation, or mental or emotional outlook on something.[2] As Marco and I changed our outlook about money, we were able to make decisions consistent with our goals. Prior to that, we said we wanted financial success and stability, but our actions didn’t line up with what we said.

Are we bombs or balms? Let’s face it. Any time of year can bring happiness or hardships. Financial stress, marital/relational strife, and extended family dysfunction can all be compounding pressures that can make our tempers react and explode like a bomb. When we respond in this fashion it dramatically intensifies these already difficult situations and creates massive emotional destruction with the collateral damage always being the ones we say we love. It destroys, maims, and kills our relationships. Blowing up is often a selfish, immature response to our stresses and should always be avoided. James 1:19-20 says “My dear brothers, take note of this: Everyone should be quick to listen, slow to speak and slow to become angry, for man's anger does not bring about the righteous life that God desires.” Therefore, instead I encourage us all to be more like balms. A balm is like a gentle word that protects and soothes an already irritated situation with understanding and forgiveness. It provides relief and healing when applied generously. When we lay ourselves down like a balm of love we give our families a tender calming cover from the worries of this world and that’s the greatest gift we can offer them…anytime of the year. ~Jason Versey

Hitler began a long speech with a sop to the industrialists. “Private enterprise,” he said, “cannot be maintained in the age of democracy; it is conceivable only if the people have a sound idea of authority and personality … All the worldly goods we possess we owe to the struggle of the chosen … We must not forget that all the benefits of culture must be introduced more or less with an iron fist.” He promised the businessmen that he would “eliminate” the Marxists and restore the Wehrmacht (the latter was of special interest to such industries as Krupp, United Steel and I. G. Farben, which stood to gain the most from rearmament). “Now we stand before the last election,” Hitler concluded, and he promised his listeners that “regardless of the outcome, there will be no retreat.” If he did not win, he would stay in power “by other means … with other weapons.” Goering, talking more to the immediate point, stressed the necessity of “financial sacrifices” which “surely would be much easier for industry to bear if it realized that the election of March fifth will surely be the last one for the next ten years, probably even for the next hundred years.

we proposed to substantially reduce the loans of the IMF and the World Bank to the poorest countries, and to write off the U.S. government loans entirely over time. We also proposed some creative conditions. To qualify for debt relief, governments would have to divert the money they saved on interest payments into health care and other services for their people.

The IMF was a more formal and less fun place to work than Treasury. The meetings were endless, with crushing bureaucracy, an intrusive and fractious executive board, an appalling amount of paper, and a lot of factional conflict among various fiefdoms.

that the plumbing of the derivatives business was hopelessly obsolete. Greenspan later called it a twenty-first-century industry reliant on nineteenth-century practices.

From 2001 to 2007, the average mortgage debt per household increased 63 percent, while wages remained flat in real terms. The financial system provided this credit with enthusiasm, even to individuals with low or undisclosed incomes, then packaged the loans into securities that were also bought on credit.

Bear had survived the crash of 1929 without shedding a single employee, but ever since subprime mortgages sank its memorably named Enhanced Leverage Fund in the summer of 2007, markets had viewed it with suspicion bordering on disdain. It was the smallest and most leveraged of the five major investment banks, with $400 billion in assets and $33 in borrowing for every dollar of capital.

Gold soared to an all-time high, a classic sign of market phobia.

Countrywide also financed itself through a complex market known as “tri-party repo,” selling securities while agreeing to repurchase them at a specified time, often as soon as the next day—essentially, borrowing overnight with the securities as collateral.

making judgments under the pressure of a crisis, about weighing the relative merits of various choices with potentially catastrophic outcomes.

during a financial crisis, if you’re not worried, you’re not thinking carefully enough. I like to say that concern is not a strategy, but it’s a prerequisite for good strategy.

We also proposed an interesting design for the new fund. Instead of raising the money exclusively from the traditional group of advanced economies, we proposed that emerging markets should help finance it and help govern it. This was partly to reflect the new global balance of power; the rising Asian and South American economies deserved a more influential presence alongside rich establishment nations at the IMF. But it was partly to dilute the power of more conservative European countries; we didn’t want their occasional parochialism and moral hazard fundamentalism to paralyze future crisis responses.

The IMF, despite its weaknesses, was a vital institution, designed to be as detached as possible from the politics of its member nations. And while we didn’t control it, as some claimed, we cared a lot about its ability to defuse crises around the world.

just because there was a problem didn’t mean there was a solution.

If I could be God for a day, I would instantly replace July and August with two Septembers so the twelve months of the new calendar year would consist of January, February, March, April, May, June, September, September, September, October, November, December. On second thought, I'd also replace December with another September, thus deleting the Mas season and ending the year with a fourth September. The Mas season, once known as Christmas until we took Christ out of it, leaving only mas, the Spanish word for more, is my least favorable month of the year because of the greed-mandated financial, emotional and spiritual stresses that the economy-dependent celebration of Mas imposes.

there was an awkward moment when it became clear he didn’t know the name of his chief risk officer, who was sitting right next to him.

Concentration: the Key to Success   “Wealthy men and women are noted for their power of concentration”, Don King.   Concentration is the great secret of power and success. Studies have revealed this surprising fact: on a sample of people who succeed in their life (success in the broad sense, that is they reached a goal they set for themselves, whether it is to become rich, to ace a difficult exam or to be successful at a certain skill, etc.), ALL had incredible focus ability. Their particularity was that in any condition, even the most difficult (ambient noise, stressful situations, limited furniture or financial resources etc.), these people remained fully concentrated.   But let’s have a closer look on what concentration really means.

THE FINANCIAL system could easily absorb the $30 billion collapse of IndyMac. There was no way it could absorb the collapse of Fannie Mae and Freddie Mac. The two government-sponsored enterprises held or guaranteed more than $5 trillion in mortgage debt.

Despite Hank’s pleas, Fannie had raised only $7.4 billion in new capital in 2008, while Freddie had failed to raise a dime.

Naturally, most analysts expected that U.S. taxpayers would pay an astronomical price to repair our financial system, too. Simon Johnson, a former chief economist of the International Monetary Fund, warned that the government’s price tag could be $1 trillion to $2 trillion, “in line with the experience” of other nations. An IMF study estimated the final tab at nearly $2 trillion. “If we spent a million dollars a day every day since the birth of Christ, we wouldn’t get to $1 trillion,” said Congressman Darrell Issa, the top Republican on the House government oversight committee. “And we’re likely to lose far more than that.” But we didn’t.

Our economy is still reeling from the worst financial crisis in generations. Our jobless rate is too high and income growth is too low. But the U.S. recovery has outperformed expectations, history, and most of the developed world. So far, the prophets of doom who have predicted runaway inflation, runaway interest rates, a double-dip recession, a collapse in demand for U.S. government securities, and other horrors for America have been false prophets. I remember half-joking to the President that we had two types of critics attacking us for failing to produce a stronger recovery—people who were blocking our proposals to produce a stronger recovery, and people who believed in unicorns.

As late as April 2009, the IMF estimated that we would incur nearly $2 trillion in direct costs saving the financial system, but at the end of 2013, our financial programs were projected to generate a positive return for the taxpayer of more than $150 billion, enough to fund federal cancer research at current levels for the next twenty-five years. But many Americans just remember the initial characterization of the financial rescue as a handout. Jenni LeCompte once sent me a clip of CNN’s Erin Burnett interviewing a young activist from Occupy Wall Street, asking him if he knew that the Wall Street bailouts had been profitable for taxpayers.

In early 2009, the IMF estimated that the U.S. government would end up spending nearly $2 trillion rescuing the financial system. In fact, the U. S. government’s crisis response not only prevented the collapse of the financial system and helped revive the broader economy, but as of the end of 2013 it was projected to generate about $166 billion in positive returns for taxpayers.

Just because a problem has no apparent solution doesn’t mean it isn’t a problem.

Sheila Bair, a former Republican Senate staffer who was President Bush’s FDIC chair, quickly agreed to sell WaMu for $1.9 billion to JPMorgan Chase, which would take over the failed bank’s uninsured and insured deposits. But the FDIC did not require JPMorgan to stand behind WaMu’s other obligations, as we had required it to do for Bear Stearns, leaving WaMu’s senior debt holders exposed to severe losses.

She was determined to guard against moral hazard and protect the FDIC insurance fund. She saw this as a teachable moment, a chance to show the world that the irresponsibility of WaMu and its bondholders would be punished. She made the same argument the Germans and other moral hazard critics had made against IMF assistance during the emerging-market crises: It will only encourage bad behavior in the future.