Housing Market Quotes

Frida Kahlo to Marty McConnell leaving is not enough; you must stay gone. train your heart like a dog. change the locks even on the house he’s never visited. you lucky, lucky girl. you have an apartment just your size. a bathtub full of tea. a heart the size of Arizona, but not nearly so arid. don’t wish away your cracked past, your crooked toes, your problems are papier mache puppets you made or bought because the vendor at the market was so compelling you just had to have them. you had to have him. and you did. and now you pull down the bridge between your houses, you make him call before he visits, you take a lover for granted, you take a lover who looks at you like maybe you are magic. make the first bottle you consume in this place a relic. place it on whatever altar you fashion with a knife and five cranberries. don’t lose too much weight. stupid girls are always trying to disappear as revenge. and you are not stupid. you loved a man with more hands than a parade of beggars, and here you stand. heart like a four-poster bed. heart like a canvas. heart leaking something so strong they can smell it in the street.

And it seems people should not build houses anymore it seems people should stop working and sit in small rooms on second floors under electric lights without shades; it seems there is a lot to forget and a lot not to do and in drugstores, markets, bars, the people are tired, they do not want to move, and I stand there at night and look through this house and the house does not want to be built

Jem said, “we want you to stay, and to know that the choice is entirely yours, and we wanted to show you something. We want you to know there is nothing in this house more precious to us than you.

-It's illegal. -Are you quoting the motto of the Meat Market, or trying to tell me that you somehow don't have precisely what I need?

What is the price of Experience? Do men buy it for a song? Or wisdom for a dance in the street? No, it is bought with the price Of all that a man hath, his house, his wife, his children Wisdom is sold in the desolate market where none come to buy And in the wither'd field where the farmer ploughs for bread in vain It is an easy thing to triumph in the summer's sun And in the vintage and to sing on the waggon loaded with corn It is an easy thing to talk of patience to the afflicted To speak the laws of prudence to the homeless wanderer To listen to the hungry raven's cry in wintry season When the red blood is fill'd with wine and with the marrow of lambs

I reflected how many satisfied, happy people there really are! What a suffocating force it is! You look at life: the insolence and idleness of the strong, the ignorance and brutishness of the weak, incredible poverty all about us, overcrowding, degeneration, drunkenness, hypocrisy, lying... Yet all is calm and stillness in the houses and in the streets; of the fifty thousand living in a town, there s not one who would cry out, who would give vent to his indignation aloud. We see the people going to market for provisions, eating by day, sleeping by night, talking their silly nonsense, getting married, growing old, serenely escorting their dead to the cemetery; but we do not see and we do not hear those who suffer, and what is terrible in life goes on somewhere behind the scenes...Everything is so quiet and peaceful, and nothing protests but mute statistics: so many people gone out of their minds, so many gallons of vodka drunk, so many children dead from malnutrition... And this order of things s evidently necessary; evidently the happy man only feels at ease because the unhappy bear their burdens in silence, and without that silence happiness would be impossible.

Market moralities and mentalities-- fueled by economic imperatives to make a profit at nearly any cost-- yield unprecedented levels of loneliness, isolation, and sadness. And our public life lies in shambles, shot through with icy cynicism and paralyzing pessimism. To put it bluntly, beneath the record-breaking stock markets on Wall Street and bipartisan budget-balancing deals in the White House lurk ominous clouds of despair across this nation.

Turns out that a real-estate agent keeps her own home on the market an average of ten days longer and sells it for an extra 3-plus percent, or $10,000 on a $300,000 house.

But who would build the roads if there were no government? You mean to tell me that 300 million people in this country and 7 billion people on the planet would just sit around in their houses and think “Gee, I’d like to go visit Fred, but I can't because there isn’t a flat thing outside for me to drive on, and I don’t know how to build it and the other 300 million or 7 billion people can’t possibly do it because there aren’t any politicians and tax collectors. If they were here then we could do it. If they were here to boss us around and steal our money and really inefficiently build the flat places, then we would be set. Then I would be comfortable and confident that I could get places. But I can’t go to Fred’s house or the market because we can’t possibly build a flat space from A to B. We can make these really small devices that enable us to contact people from all over the word that fits in our pockets; we can make machines that we drive around in, but no, we can’t possibly build a flat space.

The old Wall Street adage "never invest in anything that eats or needs repairs" may apply to racehorses, but it's malarkey when it comes to houses.

Buy a stock the way you would buy a house. Understand and like it such that you’d be content to own it in the absence of any market.

Food security is not in the supermarket. It's not in the government. It's not at the emergency services division. True food security is the historical normalcy of packing it in during the abundant times, building that in-house larder, and resting easy knowing that our little ones are not dependent on next week's farmers' market or the electronic cashiers at the supermarket.

Myth: US housing market is in recovery. Fact: Big banks have been hiding their bloated home inventory, seized by virtue of home foreclosures.

You ask me how I became a madman. It happened thus: One day, long before many gods were born, I woke from a deep sleep and found all my masks were stolen, the seven masks I have fashioned and worn in seven lives, I ran maskless through the crowded streets shouting, "Thieves, thieves, the cursed thieves." Men and women laughed at me and some ran to their houses in fear of me. And when I reached the market place, a youth standing on a house-top cried, "He is a madman." I looked up to behold him; the sun kissed my own naked face for the first time. For the first time the sun kissed my own naked face and my soul was inflamed with love for the sun, and I wanted my masks no more. And as if in a trance I cried, "Blessed, blessed are the thieves who stole my masks." Thus I became a madman.

Rome was mud and smoky skies; the rank smell of the Tiber and the exotically spiced cooking fires of a hundred different nationalities. Rome was white marble and gilding and heady perfumes; the blare of trumpets and the shrieking of market-women and the eternal, sub-aural hum of more people, speaking more languages than Gaius had ever imagined existed, crammed together on seven hills whose contours had long ago disappeared beneath this encrustation if humanity. Rome was the pulsing heart of the world.

I hope they're all right", Alec said quietly to Lily when Jem and Tessa went off to prepare for their midnight visit to the warlock's house. "Of course Tessa's fine", said Lily. "You do realize she gets to go to the Jem-nasium anytime she wants?" "I'm never talking to you again if those names don't stop".

When you were making excuses someone else was making enterprise.

Miss Greenshaw appeared to have no fear of burglars, and was probably justified, as most things in the house weighed several tons and were of no marketable value.

Months later, a woman brought a fish home from the market and cut it open to find an emerald the size of her thumbnail. She thanked the fish, tucked the jewel into her pocket, and left the house, never to be seen again. Her husband, a drunkard with heavy fists, found only the fish, which he was forced to prepare himself for dinner. He choked on a bone and was buried in a pauper's grave.

I’m in love, aren’t I? She thought she knew the answer by how much she wanted to be there. Wouldn’t have traded being there for any other location in the world. Wouldn’t have traded it for all the exotic destinations flaunted in Pan Am travel brochures. Not Tahiti, not Monte Carlo, not Hong Kong. No, she wanted to be here, in this ramshackle market not a ten-minute drive from her humdrum house and life. Except it wasn’t a humdrum life anymore, was it? No, I’m at the most exciting place on Earth. The center of the world. The Roman Forum during the reign of Augustus Caesar.

Well, you’d better hope I am because the world was built by sociopaths, men willing to send a million innocent boys into battle to be chopped to screaming giblets, all so a banner can be raised over another piece of land with houses and markets and roads soon after.

The beauty myth of the present is more insidious than any mystique of femininity yet: A century ago, Nora slammed the door of the doll's house; a generation ago, women turned their backs on the consumer heaven of the isolated multiapplianced home; but where women are trapped today, there is no door to slam. The contemporary ravages of the beauty backlash are destroying women physically and depleting us psychologically. If we are to free ourselves from the dead weight that has once again been made out of femaleness, it is not ballots or lobbyists or placards that women will need first; it is a new way to see.

Just look at this life: the insolence and idleness of the strong, the ignorance and brutishness of the weak, impossible poverty all around us, overcrowding, degeneracy, drunkenness, hypocrisy, lies...Yet in all the houses and streets it's quiet, peaceful; of the fifty thousand people who live in town there is not one who would cry out or become loudly indignant. We see those who go to the market to buy food, eat during the day, sleep during the night, who talk their nonsense, get married, grow old, complacently drag their dead to the cemetery; but we don't see or hear those who suffer, and the horrors of life go on somewhere behind the scenes. Everything is quiet, peaceful, and only mute statistics protest: so many gone mad, so many buckets drunk, so many children dead of malnutrition... And this order is obviously necessary; obviously the happy man feels good only because the unhappy bear their burden silently, and without that silence happiness would be impossible. It's a general hypnosis. At the door of every happy, contented man somebody should stand with a little hammer, constantly tapping, to remind him that unhappy people exist, that however happy he may be, sooner or later life will show him its claws, some calamity will befall him--illness, poverty, loss--and nobody will hear or see, just as he doesn't hear or see others now. But there is nobody with a little hammer, the happy man lives on, and the petty cares of life stir him only slightly, as wind stirs an aspen--and everything is fine.

Why would Danika tell them to lie low in the Meat Market?” “Why tell them to lie low in the Bone Quarter?” She sniffed and sighed with a longing toward a bowl of noodle soup. Hunt said, “Even if Danika or Sofie told Emile it was safe to hide out, if I were a kid, I wouldn’t have come here.” “You were a kid, like, a thousand years ago. Forgive me if my childhood is a little more relevant.” “Two hundred years ago,” he muttered. “Still old as fuck.

Did you ever think our misfortune is directly related to your good fortune? Maybe the house your parents bought was on the market because the sellers didn't want my mama in the neighborhood. Maybe the good grades that eventually led you to law school were possible because your mama didn't have to work eighteen hours a day, and was there to read to you at night, or make sure you did your homework. How often do you remind yourself how lucky you are that you own your house, because you were able to build up equity through generations in a way families of color can't? How often do you open your mouth at work and think how awesome it is that no one's thinking you're speaking for everyone with the same skin color you have? How hard is it for you to find the greeting card for your baby's birthday with a picture of a child that has the same color skin as her? How many times have you seen a painting of Jesus that looks like you? Prejudice goes both ways, you know. There are people who suffer from it, and there are people who profit from it.

The desire to avoid short-term hardships leads to major dislocations in [housing] markets.

In the conditions of this “New World Order,” a crucial part of the contemporary world economy is a criminal economy, in which the excess profits are accumulated not by the production of material comforts, but by drug-traffic, arms trafficking, and human trafficking, including prostitution. The contemporary world economy is an economy of the global organized criminality whose eminently form is the modern capitalist state. The contemporary world economy is an economy not of the real commodity production, but an economy of the jobbery; this is expressed directly in supply and demand of the capital of the speculation, i.e., in the fictitious capital trade, in the antagonistic games with share capital in the stock exchange. Just Wall Street’s stock exchange, i.e., the world speculative capital market, is the contemporary tremendous pump for inflation of the balloons of the world economic crises, the last one of which began in 2007. The aggregate amount of the bonds on the world market, as many economists know, is over one hundred trillion US dollars! Without taking in mind the derivatives! If including those, the aggregate amount is several times more! This is an enormous balloon as inflated as a red giant star! And when added to this amount the world market of the shares, the passing each other between real and fictitious capital grows to cosmic dimensions! This cosmic balloon will burst very soon! That means the most destructive capitalist crisis in human history lies just round the corner, the global economic apocalypse is just forthcoming! This ruin will be due to the stock exchange antagonistic games, the stock exchange that is, as a matter of fact, a gambling house! Because the securities and shares’ trading is sheer gambling! This becomes clear by the direct proportionality between risk and profitability, the more risk—the more profitability, and vice versa! However, this is gambling in which the stakes are not simply money, but millions and billions of human fates. So, this is a destroying-the-civilization-world crime economy!

When my cousin Anil-da started telling us what he’d heard at the market about the groom’s family, at my aunt Moina-pehi’s wedding in January 2002, his eyes shone like inky marbles reflecting sunlight.

...while the IMF certainly failed the people of Asia, it did not fail Wall Street - far from it. The hot money may have been spooked by the IMF's drastic measures, but the large investment houses and multinational firms were emboldened...These fun-seeking firms understood that as a result of the IMF's "adjustments," pretty much everything in Asia was now up for sale - and the more the market panicked, the more desperate Asian companies would be to sell, pushing their prices through the floor.

FRIDA KAHLO TO MARTY MCCONNELL leaving is not enough; you must stay gone. train your heart like a dog. change the locks even on the house he’s never visited. you lucky, lucky girl. you have an apartment just your size. a bathtub full of tea. a heart the size of Arizona, but not nearly so arid. don’t wish away your cracked past, your crooked toes, your problems are papier mache puppets you made or bought because the vendor at the market was so compelling you just had to have them. you had to have him. and you did. and now you pull down the bridge between your houses, you make him call before he visits, you take a lover for granted, you take a lover who looks at you like maybe you are magic. make the first bottle you consume in this place a relic. place it on whatever altar you fashion with a knife and five cranberries. don’t lose too much weight. stupid girls are always trying to disappear as revenge. and you are not stupid. you loved a man with more hands than a parade of beggars, and here you stand. heart like a four-poster bed. heart like a canvas. heart leaking something so strong they can smell it in the street.

Almost as an article of faith, some individuals believe that conspiracies are either kooky fantasies or unimportant aberrations. To be sure, wacko conspiracy theories do exist. There are people who believe that the United States has been invaded by a secret United Nations army equipped with black helicopters, or that the country is secretly controlled by Jews or gays or feminists or black nationalists or communists or extraterrestrial aliens. But it does not logically follow that all conspiracies are imaginary. Conspiracy is a legitimate concept in law: the collusion of two or more people pursuing illegal means to effect some illegal or immoral end. People go to jail for committing conspiratorial acts. Conspiracies are a matter of public record, and some are of real political significance. The Watergate break-in was a conspiracy, as was the Watergate cover-up, which led to Nixon’s downfall. Iran-contra was a conspiracy of immense scope, much of it still uncovered. The savings and loan scandal was described by the Justice Department as “a thousand conspiracies of fraud, theft, and bribery,” the greatest financial crime in history. Often the term “conspiracy” is applied dismissively whenever one suggests that people who occupy positions of political and economic power are consciously dedicated to advancing their elite interests. Even when they openly profess their designs, there are those who deny that intent is involved. In 1994, the officers of the Federal Reserve announced they would pursue monetary policies designed to maintain a high level of unemployment in order to safeguard against “overheating” the economy. Like any creditor class, they preferred a deflationary course. When an acquaintance of mine mentioned this to friends, he was greeted skeptically, “Do you think the Fed bankers are deliberately trying to keep people unemployed?” In fact, not only did he think it, it was announced on the financial pages of the press. Still, his friends assumed he was imagining a conspiracy because he ascribed self-interested collusion to powerful people. At a World Affairs Council meeting in San Francisco, I remarked to a participant that U.S. leaders were pushing hard for the reinstatement of capitalism in the former communist countries. He said, “Do you really think they carry it to that level of conscious intent?” I pointed out it was not a conjecture on my part. They have repeatedly announced their commitment to seeing that “free-market reforms” are introduced in Eastern Europe. Their economic aid is channeled almost exclusively into the private sector. The same policy holds for the monies intended for other countries. Thus, as of the end of 1995, “more than $4.5 million U.S. aid to Haiti has been put on hold because the Aristide government has failed to make progress on a program to privatize state-owned companies” (New York Times 11/25/95). Those who suffer from conspiracy phobia are fond of saying: “Do you actually think there’s a group of people sitting around in a room plotting things?” For some reason that image is assumed to be so patently absurd as to invite only disclaimers. But where else would people of power get together – on park benches or carousels? Indeed, they meet in rooms: corporate boardrooms, Pentagon command rooms, at the Bohemian Grove, in the choice dining rooms at the best restaurants, resorts, hotels, and estates, in the many conference rooms at the White House, the NSA, the CIA, or wherever. And, yes, they consciously plot – though they call it “planning” and “strategizing” – and they do so in great secrecy, often resisting all efforts at public disclosure. No one confabulates and plans more than political and corporate elites and their hired specialists. To make the world safe for those who own it, politically active elements of the owning class have created a national security state that expends billions of dollars and enlists the efforts of vast numbers of people.

Dictionaries, manuals, grammars, study guides and topic notes, classical authors and the entire book trade in de Viris, Quintus-Curtius, Sallust, and Livy peacefully crumbled to dust on the shelves of the old Hachette publishing house; but introductions to mathematics, textbooks on civil engineering, mechanics, physics, chemistry, astronomy, courses in commerce, finance, industrial arts- whatever concerned the market tendencies of the day - sold by the millions of copies.

Mainly, though, the Democratic Party has become the party of reaction. In reaction to a war that is ill conceived, we appear suspicious of all military action. In reaction to those who proclaim the market can cure all ills, we resist efforts to use market principles to tackle pressing problems. In reaction to religious overreach, we equate tolerance with secularism, and forfeit the moral language that would help infuse our policies with a larger meaning. We lose elections and hope for the courts to foil Republican plans. We lost the courts and wait for a White House scandal. And increasingly we feel the need to match the Republican right in stridency and hardball tactics. The accepted wisdom that drives many advocacy groups and Democratic activists these days goes like this: The Republican Party has been able to consistently win elections not by expanding its base but by vilifying Democrats, driving wedges into the electorate, energizing its right wing, and disciplining those who stray from the party line. If the Democrats ever want to get back into power, then they will have to take up the same approach. ...Ultimately, though, I believe any attempt by Democrats to pursue a more sharply partisan and ideological strategy misapprehends the moment we're in. I am convinced that whenever we exaggerate or demonize, oversimplify or overstate our case, we lose. Whenever we dumb down the political debate, we lose. For it's precisely the pursuit of ideological purity, the rigid orthodoxy and the sheer predictability of our current political debate, that keeps us from finding new ways to meet the challenges we face as a country. It's what keeps us locked in "either/or" thinking: the notion that we can have only big government or no government; the assumption that we must either tolerate forty-six million without health insurance or embrace "socialized medicine". It is such doctrinaire thinking and stark partisanship that have turned Americans off of politics.

Or maybe his reclusiveness was a decisive marketing strategy-if you disappear, people are more interested in your work. You become a legend while you're still alive. Crouching behind a stonewall, or the post under a house...people are kneeling down to find you.

At five that night, I went back to the market and bought three sixteen-ounce Rainier Ales. I bounced back to my house, Mary Lou Retton-like, sipped the first ale, took the Valium, smoked a joint, drank the second ale, took another Valium, listened to “Into the Mystic” ten times, drank the third Ale, too the Valium and the Halcion, and discovered two unhappy thoughts. One was it was only seven o’clock. The second was that I was wide awake.

I thought. I thought of the slow yellow autumn in the swamp and the high honey sun of spring and the eternal silence of the marshes, and the shivering light on them, and the whisper of the spartina and sweet grass in the wind and the little liquid splashes of who-knew-what secret creatures entering that strange old place of blood-warm half earth, half water. I thought of the song of all the birds that I knew, and the soft singsong of the coffee-skinned women who sold their coiled sweet-grass baskets in the market and on Meeting Street. I thought of the glittering sun on the morning harbor and the spicy, somehow oriental smells from the dark old shops, and the rioting flowers everywhere, heavy tropical and exotic. I thought of the clop of horses' feet on cobblestones and the soft, sulking, wallowing surf of Sullivan's Island in August, and the countless small vistas of grace and charm wherever the eye fell; a garden door, a peeling old wall, an entire symmetrical world caught in a windowpane. Charlestone simply could not manage to offend the eye. I thought of the candy colors of the old houses in the sunset, and the dark secret churchyards with their tumbled stones, and the puresweet bells of Saint Michael's in the Sunday morning stillness. I thought of my tottering piles of books in the study at Belleau and the nights before the fire when my father told me of stars and butterflies and voyages, and the silver music of mathematics. I thought of hot, milky sweet coffee in the mornings, and the old kitchen around me, and Aurelia's gold smile and quick hands and eyes rich with love for me.

Contrary to the tenets of conventional wisdom, viral ideas and campaigns were not first transmitted via the electronic media of the Internet age. Their ideological forebears lived and replicated in the host coffee-houses, inns and taverns of the early eighteenth-century.

On Rachel's show for November 7, 2012: We're not going to have a supreme court that will overturn Roe versus Wade. There will be no more Antonio Scalias and Samuel Aleatos added to this court. We're not going to repeal health reform. Nobody is going to kill medicare and make old people in this generation or any other generation fight it out on the open market to try to get health insurance. We are not going to do that. We are not going to give a 20% tax cut to millionaires and billionaires and expect programs like food stamps and kid's insurance to cover the cost of that tax cut. We'll not make you clear it with your boss if you want to get birth control under the insurance plan that you're on. We are not going to redefine rape. We are not going to amend the United States constitution to stop gay people from getting married. We are not going to double Guantanamo. We are not eliminating the Department of Energy or the Department of Education or Housing at the federal level. We are not going to spend $2 trillion on the military that the military does not want. We are not scaling back on student loans because the country's new plan is that you should borrow money from your parents. We are not vetoing the Dream Act. We are not self-deporting. We are not letting Detroit go bankrupt. We are not starting a trade war with China on Inauguration Day in January. We are not going to have, as a president, a man who once led a mob of friends to run down a scared, gay kid, to hold him down and forcibly cut his hair off with a pair of scissors while that kid cried and screamed for help and there was no apology, not ever. We are not going to have a Secretary of State John Bolton. We are not bringing Dick Cheney back. We are not going to have a foreign policy shop stocked with architects of the Iraq War. We are not going to do it. We had the chance to do that if we wanted to do that, as a country. and we said no, last night, loudly.

Poor families are living above their means, in apartments they cannot afford. The thing is, those apartments are already at the bottom of the market. 24 Our cities have become unaffordable to our poorest families, and this problem is leaving a deep and jagged scar on the next generation.

I have no large desire to sacrifice much of my personal habits, intellectual pleasures, and personal standards in order to become a billionaire like Warren Buffett, and I certainly do not see point of becoming one if I were to adopt Spartan (even miserly) habits and live in my starter house.

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

The Delores tank rolled on inexorably, “You get a mortgage to buy a house, a larger mortgage than the previous owner because the price of the house has been artificially increased by the market, which is controlled by the banks. Then you live in the house for a few years paying a lot more in mortgage payments than you would if you were renting a similar property. But hey, you ‘own’ it and can ‘do things to it’… things that cost even more money, by the way… so you maintain its upkeep, improve it with say a new kitchen or bathroom; the more salubrious the neighbourhood the more expensive the kitchen would need to be – a Küche & Cucina, say; impressing your cleaner is very important after all and at the end you sell it to someone else for more than you paid for it so they’ll need an even bigger mortgage. And all the while everyone is paying all this money to the banks and the banks give the money to their shareholders, the biggest of whom are the incredibly rich. This, when you boil it all down, means that you’re taking a large sum out of your wages and passing it across to some rich person to live large, whilst you and others like you struggle to make their monthly payments. Basically you’ve been screwed, Doc, but somehow they’ve convinced you that you own a bit of England, when the truth is you don’t really own anything, you’re just renting it at a higher cost and they can take it back from you any time they want. It’s all just a card trick, Doc. All just ‘smoke and mirrors’ and that’s what’s getting to me.

In a village of La Mancha, the name of which I have no desire to call to mind, there lived not long since one of those gentlemen that keep a lance in the lance-rack, an old buckler, a lean hack, and a greyhound for coursing. An olla of rather more beef than mutton, a salad on most nights, scraps on Saturdays, lentils on Fridays, and a pigeon or so extra on Sundays, made away with three-quarters of his income. The rest of it went in a doublet of fine cloth and velvet breeches and shoes to match for holidays, while on week-days he made a brave figure in his best homespun. He had in his house a housekeeper past forty, a niece under twenty, and a lad for the field and market-place, who used to saddle the hack as well as handle the bill-hook. The age of this gentleman of ours was bordering on fifty; he was of a hardy habit, spare, gaunt-featured, a very early riser and a great sportsman. They will have it his surname was Quixada or Quesada (for here there is some difference of opinion among the authors who write on the subject), although from reasonable conjectures it seems plain that he was called Quexana. This, however, is of but little importance to our tale; it will be enough not to stray a hair's breadth from the truth in the telling of it.

One fundamental difference between American and Oriental culture is the individual’s position in society. In American culture an individual’s interest is primary. This makes American society more aggressively competitive, with a sharper edge and higher performance. In Singapore, the interests of the society take precedence over that of the individual. Nevertheless Singapore has to be competitive in the market for jobs, goods and services. On the other hand the government helps lower income groups to meet their needs for housing, health services and education so that their children will have more of an equal chance to rise through education.

What we take from granted in the United States as being Mexican, to those from southern Mexico, is almost completely foreign. Rural Mexicans don't have the spare money to drown their food in melted cheese. They don't smother their food in mounds of sour cream. Who would pay for it? They have never seen "nachos." In some regions of the south, they eat soup with bananas; some tribal folks not far from Veracruz eat termite tacos; turkey, when there are turkeys, is not filled with "stuffing"―but with dry pineapples, papaya, pecans. Meat is killed behind the house, or it is bought, dripping and flyblown, off a wooden plank in the village market. They eat cheeks, ears, feet, tails, lips, fried blood, intestines filled with curdled milk. Southerners grew up eating corn tortillas, and they never varied in their diet. You find them eating food the Aztecs once ate. Flour tortillas, burritos, chimichangas―it's foreign food to them, invented on the border. They were alliens before they ever crossed the line.

The CEO of a major publishing house was concerned about the lack of creativity among his editorial and marketing staffs. He hired a group of high-priced psychologists to find out what differentiated the creative employees from the others. After studying the staff for one year, the psychologists discovered only one difference between the two groups: The creative people believed they were creative and the less creative people believed they were not.

The particular threat to the intellectual today, whether in the West or the non-Western world, is not the academy, nor the suburbs, nor the appalling commercialism of journalism and publishing houses, but rather an attitude that I will call professionalism. By professionalism I mean thinking of your work as an intellectual as something you do for a living, between the hours of nine and five with one eye on the clock, and another cocked at what is considered to be proper, professional behavior—not rocking the boat, not straying outside the accepted paradigms or limits, making yourself marketable and above all presentable, hence uncontroversial and unpolitical and “objective.

Look at life: the insolence and idleness of the strong, the ignorance and brutishness of the weak, horrible poverty everywhere, overcrowding, degeneration, drunkenness, hypocrisy, lying -- yet in all the houses and on the streets there is peace and quiet; of the fifty thousand people who live in our town there is not one who would cry out, who would vent his indignation aloud. We see the people who go to market, eat by day, sleep by night, who babble nonsense, marry, grow old, good-naturedly drag their feet to the cemetery, but we do not see or hear those who suffer, and what is terrible in life goes on somewhere behind the scenes. Everything is peaceful and quiet and only mute statistics protest.

ah yes I know them well who was the first person in the universe before there was anybody that made it all who ah that they dont know neither do I so there you are they might as well try to stop the sun from rising tomorrow the sun shines for you he said the day we were lying among the rhododendrons on Howth head in the grey tweed suit and his straw hat the day I got him to propose to me yes first I gave him the bit of seedcake out of my mouth and it was leapyear like now yes 16 years ago my God after that long kiss I near lost my breath yes he said I was a flower of the mountain yes so we are flowers all a womans body yes that was one true thing he said in his life and the sun shines for you today yes that was why I liked him because I saw he understood or felt what a woman is and I knew I could always get round him and I gave him all the pleasure I could leading him on till he asked me to say yes and I wouldnt answer first only looked out over the sea and the sky I was thinking of so many things he didnt know of Mulvey and Mr Stanhope and Hester and father and old captain Groves and the sailors playing all birds fly and I say stoop and washing up dishes they called it on the pier and the sentry in front of the governors house with the thing round his white helmet poor devil half roasted and the Spanish girls laughing in their shawls and their tall combs and the auctions in the morning the Greeks and the jews and the Arabs and the devil knows who else from all the ends of Europe and Duke street and the fowl market all clucking outside Larby Sharons and the poor donkeys slipping half asleep and the vague fellows in the cloaks asleep in the shade on the steps and the big wheels of the carts of the bulls and the old castle thousands of years old yes and those handsome Moors all in white and turbans like kings asking you to sit down in their little bit of a shop and Ronda with the old windows of the posadas glancing eyes a lattice hid for her lover to kiss the iron and the wineshops half open at night and the castanets and the night we missed the boat at Algeciras the watchman going about serene with his lamp and O that awful deepdown torrent O and the sea the sea crimson sometimes like fire and the glorious sunsets and the figtrees in the Alameda gardens yes and all the queer little streets and the pink and blue and yellow houses and the rosegardens and the jessamine and geraniums and cactuses and Gibraltar as a girl where I was a Flower of the mountain yes when I put the rose in my hair like the Andalusian girls used or shall I wear a red yes and how he kissed me under the Moorish wall and I thought well as well him as another and then I asked him with my eyes to ask again yes and then he asked me would I yes to say yes my mountain flower and first I put my arms around him yes and drew him down to me so he could feel my breasts all perfume yes and his heart was going like mad and yes I said yes I will Yes.

You fling the book on the floor, you would hurl it out of the window, even out of the closed window, through the slats of the Venetian blinds; let them shred its incongruous quires, let sentences, words, morphemes, phonemes gush forth, beyond recomposition into discourse; through the panes, and if they are of unbreakable glass so much the better, hurl the book and reduce it to photons, undulatory vibrations, polarized spectra; through the wall, let the book crumble into molecules and atoms passing between atom and atom of the reinforced concrete, breaking up into electrons, neutrons, neutrinos, elementary particles more and more minute; through the telephone wires, let it be reduced to electronic impulses, into flow of information, shaken by redundancies and noises, and let it be degraded into a swirling entropy. You would like to throw it out of the house, out of the block, beyond the neighborhood, beyond the city limits, beyond the state confines, beyond the regional administration, beyond the national community, beyond the Common Market, beyond Western culture, beyond the continental shelf, beyond the atmosphere, the biosphere, the stratosphere, the field of gravity, the solar system, the galaxy, the cumulus of galaxies, to succeed in hurling it beyond the point the galaxies have reached in their expansion, where space-time has not yet arrived, where it would be received by nonbeing, or, rather, the not-being which has never been and will never be, to be lost in the most absolutely guaranteed undeniable negativity.

In the United States I saw how the market liberates the individual and allows people to be free to make personal choices. But the biggest drawback was that the market always pushes things to the side of the powerful. I thought the poor should be able to take advantage of the system in order to improve their lot. Grameen is a private-sector self-help bank, and as its members gain personal wealth they acquire water-pumps, latrines, housing, education, access to health care, and so on. Another way to achieve this is to let abusiness earn profit that is then txed by the government, and the tax can be used to provide services to the poor. But in practice it never works that way. In real life, taxes only pay for a government bureaucracy that collects the tax and provides little or nothing to the poor. And since most government bureaucracies are not profit motivated, they have little incentive to increase their efficiency. In fact, they have a disincentive: governments often cannot cut social services without a public outcry, so the behemoth continues, blind and inefficient, year after year.

leaving is not enough; you must stay gone. train your heart like a dog. change the locks even on the house he’s never visited. you lucky, lucky girl. you have an apartment just your size. a bathtub full of tea. a heart the size of Arizona, but not nearly so arid. don’t wish away your cracked past, your crooked toes, your problems are papier mache puppets you made or bought because the vendor at the market was so compelling you just had to have them. you had to have him. and you did. and now you pull down the bridge between your houses, you make him call before he visits, you take a lover for granted, you take a lover who looks at you like maybe you are magic. make the first bottle you consume in this place a relic. place it on whatever altar you fashion with a knife and five cranberries. don’t lose too much weight. stupid girls are always trying to disappear as revenge. and you are not stupid. you loved a man with more hands than a parade of beggars, and here you stand. heart like a four-poster bed. heart like a canvas. heart leaking something so strong they can smell it in the street.

The global recession has exposed the Slowlane for the fraud it is. With no job, the plan fails. When the stock market loses 50% of your savings, the plan fails. When a housing crisis erases 40% of your illiquid net worth in one year, the plan fails. The plan is a failure because the plan is based on time and factors you can’t control. Unfortunately, millions of people have faithfully invested decades into the plan only to discover the ugly truth: The Slowlane is risky and insufferably impotent.

That said, pointing out inaccurate or unrealistic portrayals of women to younger grade school children-ages five to eight-does seem to be effective, when done judiciously:taking to little girls about body image and dieting, for example, can actually introduce them to disordered behavior rather than inoculating them against it. I may be taking a bit of a leap here, but to me all this indicated that if you are creeped out about the characters fromMonster High, it is fine to keep them out of your house.

Since my earliest memory, I imagined I would be a chef one day. When other kids were watching Saturday morning cartoons or music videos on YouTube, I was watching Iron Chef,The Great British Baking Show, and old Anthony Bourdain shows and taking notes. Like, actual notes in the Notes app on my phone. I have long lists of ideas for recipes that I can modify or make my own. This self-appointed class is the only one I've ever studied well for. I started playing around with the staples of the house: rice, beans, plantains, and chicken. But 'Buela let me expand to the different things I saw on TV. Soufflés, shepherd's pie, gizzards. When other kids were saving up their lunch money to buy the latest Jordans, I was saving up mine so I could buy the best ingredients. Fish we'd never heard of that I had to get from a special market down by Penn's Landing. Sausages that I watched Italian abuelitas in South Philly make by hand. I even saved up a whole month's worth of allowance when I was in seventh grade so I could make 'Buela a special birthday dinner of filet mignon.

Noticing that, he made a trail of the ring, to see if it had that power; and he found that whenever he turned the collet inside, he was invisible, when he turned it outside, visible. After he found this out he managed to be appointed one of the messengers to the king; when he got there, he seduced the king's wife, and with her set upon the king, and killed him, and seized the empire. Then if there could be two such rings, and if the just man put one on and the unjust the other, no one, as it would be thought, would be so adamantine as to abide in the practice of justice, no one could endure to hold back from another's goods and not to touch, when it was in his power to take what he would even out of the market without fear, and to go into any house and lie with anyone he wished, and to kill or set free from prison those he might wish, and to do anything else in the world like a very god. And in doing so he would do just the same as the other; both would go the same way. Surely one would call this a strong proof that no one is just willingly but only under a strong compulsion, believing that it is not a good to him personally; since wherever each thinks he will be able to do injustice, he does injustice.

You long for life and try to settle the problems of life by a logical tangle. And how tiresome, how insolent your outbursts are, and at the same time, how scared you are! You talk nonsense and are pleased with it; you say imprudent things and are constantly afraid of them and apologizing for them. You declare that you are afraid of nothing and at the same time try to ingratiate yourself with us. You declare that you are gnashing your teeth and at the same time you try to be witty so as to amuse us. You know that your witticisms are not witty, but you are evidently well satisfied with their literary value. You may perhaps really have suffered, but you have no respect whatsoever for your own suffering. You may be truthful in what you have said but you have no modesty; out of the pettiest vanity you bring your truth to public exposure, to the market place, to ignominity.

A man goes out to work, he earns a wage, he comes back home, he eats, he sleeps. That’s what he does. Our men think earning money and ordering around others is where the power lies. They don’t think power is in the hands of the woman who takes care of everyone all day long, and gives birth to their children. In our house my mother managed everything because my father was so busy. It was my mother who would wake up early in the morning, iron our school clothes, make our breakfast and teach us how to behave. It was my mother who would go to the market, shop for us and cook. All those things she did.

The gravel road widened into a large turnaround where three similar looking and designed brothels sat waiting for customers. They were called Sheila's Front Porch, Tawny's High Five Ranch and Miss Delilah's House of Holies. "Nice," Rachel said as we surveyed the scene. "why are these places always named after women -- as if women actually own them?" "You got me. I guess Mister Dave's House of Holies wouldn't go over so well with the guys." Rachel smiled. "You're right. I guess it's a shrewd move. Name a place of female degradation and slavery after a female and it doesn't sound so bad, does it? It's packaging.

Every telecomm company is as big a corporate welfare bum as you could ask for. Try to imagine what it would cost at market rates to go around to every house in every town in every country and pay for the right to block traffic and dig up roads and erect poles and string wires and pierce every home with cabling. The regulatory fiat that allows these companies to get their networks up and running is worth hundreds of billions, if not trillions, of dollars. If phone companies want to operate in the “free market,” then let them: the FCC could give them 60 days to get all their rotten copper out of our dirt, or we’ll buy it from them at the going scrappage rates. Then, let’s hold an auction for the right to be the next big telecomm company, on one condition: in exchange for using the public’s rights-of-way, you have to agree to connect us to the people we want to talk to, and vice-versa, as quickly and efficiently as you can.

Some people owe everything they have to the bank accounts of their parents. I owe the state. Put simply, the state educated me, fixed my leg when it was broken, and gave me a grant that enabled me to go to university. It fixed my teeth (a bit) and found housing for my veteran father in his dotage. When my youngest brother was run over by a truck it saved his life and in particular his crushed right hand, a procedure that took half a year, and which would, on the open market—so a doctor told me at the time—have cost a million pounds. Those were the big things, but there were also plenty of little ones: my subsidized sports centre and my doctor’s office, my school music lessons paid for with pennies, my university fees. My NHS glasses aged 9. My NHS baby aged 33. And my local library. To steal another writer’s title: England made me. It has never been hard for me to pay my taxes because I understand it to be the repaying of a large, in fact, an almost incalculable, debt. ....The charming tale of benign state intervention described above is now relegated to the land of fairy tales: not just naïve but actually fantastic. Having one’s own history so suddenly and abruptly made unreal is an experience of a whole generation of British people, who must now wander around like so many ancient mariners boring foreigners about how they went to university for free and could once find a National Health dentist on their high street.

Caesar laid the foundations for the political geography of modern Europe, as well as slaughtering up to a million people over the whole region. It would be wrong to imagine that the Gauls were peace-loving innocents brutally trampled by Caesar’s forces. One Greek visitor in the early first century BCE had been shocked to find enemy heads casually pinned up at the entrance to Gallic houses, though he conceded that, after a while, one got used to the sight; and Gallic mercenaries had done good business in Italy until the power of Rome had closed their market. Yet the mass killing of those who stood in Caesar’s way was more than even some Romans could take.

Ever since the administration of President Richard Nixon, the fast food industry has worked closely with its allies in Congress and the White House to oppose new worker safety, food safety, and minimum wage laws. While publicly espousing support for the free market, the fast food chains have quietly pursued and greatly benefited from a wide variety of government subsidies. Far from being inevitable, America's fast food industry in its present form is the logical outcome of certain political and economic choices.

If medical practitioners wanted to save lives,” said Baxter, “instead of making money out of them, they would unite to prevent diseases, not work separately to cure them. The cause of most illness has been known since at least the sixth century before Christ, when the Greeks made a goddess of Hygiene. Sunlight, cleanliness and exercise, McCandless! Fresh air, pure water, a good diet and clean roomy houses for everyone, and a total government ban on all work which poisons and prevents these things.” “Impossible, Baxter. Britain has become the industrial workshop of the world. If social legislation arrests the profits of British industry our worldwide market will be collared by Germany and America and thousands would starve to death. Nearly a third of Britain’s food is imported from abroad.” “Exactly! So until we lose our worldwide market British medicine will be employed to keep a charitable mask on the face of a heartless plutocracy.

Thus Marx begins his attack on the liberal concept of freedom. The freedom of the market is not freedom at all. It is a fetishistic illusion. Under capitalism, individuals surrender to the discipline of abstract forces (such as the hidden hand of the market made much of by Adam Smith) that effectively govern their relations and choices. I can make something beautiful and take it to market, but if I don’t manage to exchange it then it has no value. Furthermore, I won’t have enough money to buy commodities to live. Market forces, which none of us individually control, regulate us. And part of what Marx wants to do in Capital is talk about this regulatory power that occurs even “in the midst of the accidental and ever-fluctuating exchange relations between the products.” Supply and demand fluctuations generate price fluctuations around some norm but cannot explain why a pair of shoes on average trades for four shirts. Within all the confusions of the marketplace, “the labour-time socially necessary to produce [commodities] asserts itself as a regulative law of nature. In the same way, the law of gravity asserts itself when a person’s house collapses on top of him” (168). This parallel between gravity and value is interesting: both are relations and not things, and both have to be conceptualized as immaterial but objective.

Ah, the suburbs: that slice of America where we name subdivisions after the trees we've cut down to build them, where we've zoned out any hope of a bookstore or a restaurant within walking distance, where we slave over lawns that we seldom use, where our front porches are too shallow for a porch swing, where we walk the dogs but can't walk to lunch, where we don't really get to know the neighbors because nobody's planning to stick around for more than a few years, where the dominant feature of every house is the two-car garage door, where getting to know people is tougher than it needs to be because there's no village pub, no local bakery, no farmer's market—in other words, no casual gathering point where it's possible to bump into neighbors in an organic way.

[A Chinese Restaurant.] Roma is seated alone at the booth.Lingk is at the booth next to him.Roma is talking to him. * * * Roma: . . . Eh? What I’m saying, what is our life? (Pause.) It’s looking forward or it’s looking back. And that’s our life. That’s it. Where is the moment? (Pause.) And what is it that we’re afraid of? Loss. What else? (Pause.) The bank closes. We get sick, my wife died on a plane, the stock market collapsed . . . the house burnt down . . . what of these happen . . . ? None of ’em. We worry anyway. What does this mean? I’m not secure. How can I be secure? (Pause.) Through amassing wealth beyond all measure? No. And what’s beyond all measure? That’s a sickness. That’s a trap. There is no measure. Only greed. How can we act? The right way, we would say, to deal with this: “There is a one-in-a million chance that so and so will happen. . . . Fuck it, it won’t happen to me. . . .” No. We know that’s not the right way I think. (Pause.) We say the correct way to deal with this is “There is a one-in-so-and-so chance that this will happen . . . God protect me. I am powerless, let it not happen to me. . . .” But no to that. I say. There’s something else. What is it? “If it happens, AS IT MAY for that is not within our powers, I will deal with it, just as I do today with what draws my concern today.” I say this is how we must act. I do those things which seem correct to me today. I trust myself. And if security concerns me, I do that which today I think will make me secure. And every day I do that, when that day arrives that I need a reserve, (a) odds are that I have it, and (b) the true reserve that I have is the strength that I have of acting each day without fear. (Pause.) According to the dictates of my mind. (Pause.)

One [project of Teddy Cruz's] is titled Living Rooms at the Border. it takes a piece of land with an unused church zoned for three units and carefully arrays on it twelve affordable housing units, a community center (the converted church), offices for Casa in the church's attic, and a garden that can accommodate street markets and kiosks. 'In a place where current regulation allows only one use,' [Cruz} crows, ' we propose five different uses that support each other. This suggests a model of social sustainability for San Diego, one that conveys density not as bulk but as social choreography.' For both architect and patron, it's an exciting opportunity to prove that breaking the zoning codes can be for the best. Another one of Cruz's core beliefs is that if architects are going to achieve anything of social distinction, they will have to become developers' collaborators or developers themselves, rather than hirelings brought in after a project's parameters are laid out.

Let any one who is acquainted with what multitudes of people get their daily bread in this city by their labour, whether artificers or meer workmen—I say, let any man consider what must be the miserable condition of this town if, on a sudden, they should all be turned out of employment, that labour should cease, and wages for work be no more.  This was the case with us at that time; and had not the sums of money contributed in charity by well-disposed people of every kind, as well as abroad as at home, been prodigiously great, it had not been in the power of the Lord Mayor and sheriffs to have kept the publick peace. Nor were they without apprehensions, as it was, that desperation should push the people upon tumults and cause them to rifle the houses of rich men and plunder the markets of provisions; in which case the country people, who brought provisions very freely and boldly to town, would have been terrified from coming any more, and the town would have sunk under an unavoidable famine.

What will be will be well, for what is is well, To take interest is well, and not to take interest shall be well. The domestic joys, the daily housework or business, the building of houses, are not phantasms, they have weight, form, location, Farms, profits, crops, markets, wages, government, are none of them phantasms, The difference between sin and goodness is no delusion, The earth is not an echo, man and his life and all the things of his life are well-consider'd. You are not thrown to the winds, you gather certainly and safely around yourself, Yourself! yourself! yourself, for ever and ever!

Our living quarters were in the same compound as the Eastern District administration. Government offices were mostly housed in large mansions which had been confiscated from Kuomintang officials and wealthy landlords. All government employees, even senior officials, lived at their office. They were not allowed to cook at home, and all ate in canteens. The canteen was also where everyone got their boiled water, which was fetched in thermos flasks. Saturday was the only day married couples were allowed to spend together. Among officials, the euphemism for making love was 'spending a Saturday." Gradually, this regimented life-style relaxed a bit and married couples were able to spend more time together, but almost all still lived and spent most of their time in their office compounds. My mother's department ran a very broad field of activities, including primary education, health, entertainment, and sounding out public opinion. At the age of twenty-two, my mother was in charge of all these activities for about a quarter of a million people. She was so busy we hardly ever saw her. The government wanted to establish a monopoly (known as 'unified purchasing and marketing') over trade in the basic commodities grain, cotton, edible o'fi, and meat. The idea was to get the peasants to sell these exclusively to the government, which would then ration them out to the urban population and to parts of the country where they were in short supply.

It was an old tradition: landlords barring children from their properties. In the competitive postwar housing market of the late 1940s, landlords regularly turned away families with children and evicted tenants who got pregnant. This was evident in letters mothers wrote when applying for public housing. “At present,” one wrote, “I am living in an unheated attic room with a one-year-old baby… Everywhere I go the landlords don’t want children. I also have a ten-year-old boy… I can’t keep him with me because the landlady objects to children. Is there any way that you can help me to get an unfurnished room, apartment, or even an old barn?… I can’t go on living like this because I am on the verge of doing something desperate.” Another mother wrote, “My children are now sick and losing weight… I have tried, begged, and pleaded for a place but [it’s] always ‘too late’ or ‘sorry, no children.’ ” Another wrote, “The lady where I am rooming put two of my children out about three weeks ago and don’t want me to let them come back… If I could get a garage I would take it.” When Congress passed the Fair Housing Act in 1968, it did not consider families with children a protected class, allowing landlords to continue openly turning them away or evicting them.

Back in Georgia everybody we knew had an automobile." A bu, don't tell stories. That is not possible." Well, not everybody. I don't mean babies and children. But every single family." Not possible." Yes, it is! Some families even have two!" What is the purpose of so many automobiles at the same time?" Well, because everybody has someplace to go every day. To work or to the store or something." And why is nobody walking?" It's not like here, Anatole. Everything's farther apart. People live in big towns and cities. Bigger cities than Leopoldville, even." Beene, you are lying to me. If everyone lived in a city they could never grow enough food." Oh, they do that in the country. In big, big fields. Peanuts and soybeans and corn, all that. The farmers grow it, then they put it on big trucks and take it all to the city, where people buy it from the store." From the market." No, it isn't a bit like the big market. It's a great big house kind of thing, with bright lights and all these shelves inside. It's open every day, and just one person sells all the different things." One farmer has so many things?" No, not a farmer. A storekeeper buys it all from the farmers, and sells it to the city people." And so you don't even know whose fields this food came from? That sounds terrible. It could be poisoned!" It's not bad, really. It works out." How can there be enough food, Beene? If everyone lives in a city?" There just is. Things are different from here.

Many of the old houses, round about, speak very plainly of those days when Kingston was a royal borough, and nobles and courtiers lived there, near their King, and the long road to the palace gates was gay all day with clanking steel and prancing palfreys, and rustling silks and velvets, and fair faces.  The large and spacious houses, with their oriel, latticed windows, their huge fireplaces, and their gabled roofs, breathe of the days of hose and doublet, of pearl-embroidered stomachers, and complicated oaths.  They were upraised in the days “when men knew how to build.”  The hard red bricks have only grown more firmly set with time, and their oak stairs do not creak and grunt when you try to go down them quietly. Speaking of oak staircases reminds me that there is a magnificent carved oak staircase in one of the houses in Kingston.  It is a shop now, in the market-place, but it was evidently once the mansion of some great personage.  A friend of mine, who lives at Kingston, went in there to buy a hat one day, and, in a thoughtless moment, put his hand in his pocket and paid for it then and there.

Earlier that day, a typewriter bomb had exploded at a black market skin house over on Eel Street, sending words raining through the cardboard walls of the boudoirs and tattooing copies of the Machinist’s ‘Twelve Terms’ on the bodies of whores and patrons alike. Forty pieces of merch ruined. Their bodies had been obliterated by language, all traces of their sexuality buried beneath a storm of words. There was something horrific about the sight of those who had survived a typewriter attack. Their faces scarred with text, as if they had become hostages to some awful advertisement. A few of the victims took to working the streets around the library where bibliophiles sometimes paid them to satisfy their fantasies amid the desolate hush of the reading rooms and the deserted stacks where the only witnesses to this erotic pantomime of the blank body and its printed partner were other words.

Investment Owner’s Contract I, _____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

I was on a radio talk show in Vermont one January and the host was giving me a hard time about organic food prices. “I had a party at my house last week and wanted to serve corn on the cob, so I went down to the supermarket and the regular corn was $2.49 for a dozen ears and the organic was $4.89. How can you justify that?” Wrong question. The question is, “Why do you need fresh sweet corn in Vermont in January? You should be eating canned, frozen, or parched corn that you made late in the summer when farmers could scarcely give their corn away because people were over that and going for the fall squash and potatoes.” He should have been feeding these guests from his own larder, amassed months earlier when farmers’ market vendors were feeding half their late-season success to the compost pile. It happens everywhere and all the time. Restoring normalcy is our problem—you and me—not somebody else’s problem.

And I thought how many satisfied, happy people really do exist in this world! And what a powerful force they are! Just take a look at this life of ours and you will see the arrogance and idleness of the strong, the ignorance and bestiality of the weak. Everywhere there's unspeakable poverty, overcrowding, degeneracy, drunkenness, hypocrisy and stupid lies... And yet peace and quiet reign in every house and street. Out of fifty thousand people you won't find one who is prepared to shout out loud and make a strong protest. We see people buying food in the market, eating during the day, sleeping at night-time, talking nonsense, marrying, growing old and then contentedly carting their dead off to the cemetery. But we don't hear or see those who suffer: the real tragedies of life are enacted somewhere behind the scenes. Everything is calm and peaceful and the only protest comes from statistics - and they can't talk. Figures show that so many went mad, so many bottles of vodka were emptied, so many children died from malnutrition. And clearly this kind of system is what people need. It,s obvious that the happy man feels contented only because the unhappy ones bear their burden without saying a word: if it weren't for their silence, happiness would be quite impossible. It's a kind of mass hypnosis. Someone ought to stand with a hammer at the door of every contented man, continually banging on it to remind him that there are unhappy people around and that however happy he may be at that time, sooner or later life will show him its claws and disaster will overtake him in the form of illness, poverty, bereavement and there will be no one to hear or see him. But there isn't anyone holding a hammer, so our happy man goes his own sweet way and is only gently ruffled by life's trivial cares, as an aspen is ruffled by the breeze. All's well as far as he's concerned

I am that man, the sum of him, the all of him, the hairless biped who struggled upward from the slime and created love and law out of the anarchy of fecund life that screamed and squalled in the jungle. I am all that that man was and did become. I see myself, through the painful generations, snaring and killing the game and the fish, clearing the first fields from the forest, making rude tools of stone and bone, building houses of wood, thatching the roofs with leaves and straw, domesticating the wild grasses and meadow roots, fathering them to become the progenitors of rice and millet and wheat and barley and all manner of succulent edibles, learning to scratch the soil, to sow, to reap, to store, beating out the fibers of plants to spin into thread and to weave into cloth, devising systems of irrigation, working in metals, making markets and trade routes, building boats, and founding navigation—ay, and organizing village life, welding villages to villages till they became tribes, welding tribes together till they became nations, ever seeking the laws of things, ever making the laws of humans so that humans might live together in amity and by united effort beat down and destroy all manner of creeping, crawling, squalling things that might else destroy them.

Love your neighbor. Love the stranger. Hear the cry of the otherwise unheard. Liberate the poor from their poverty. Care for the dignity of all. Let those who have more than they need share their blessings with those who have less. Feed the hungry, house the homeless, and heal the sick in body and mind. Fight injustice, whoever it is done by and whoever it is done against. And do these things because, being human, we are bound by a covenant of human solidarity, whatever our color or culture, class or creed. These are moral principles, not economic or political ones. They have to do with conscience, not wealth or power. But without them, freedom will not survive. The free market and liberal democratic state together will not save liberty, because liberty can never be built by self-interest alone. I-based societies all eventually die. Ibn Khaldun showed this in the fourteenth century, Giambattista Vico in the eighteenth, and Bertrand Russell in the twentieth. Other-based societies survive. Morality is not an option. It’s an essential.

One afternoon in the fall of 2015, while I was writing this book, I was driving in my car and listening to SiriusXM Radio. On the folk music station the Coffee House, a song came on with a verse that directly spoke to me—so much so that I pulled off the road as soon as I could and wrote down the lyrics and the singer’s name. The song was called “The Eye,” and it’s written by the country-folk singer Brandi Carlile and her bandmate Tim Hanseroth and sung by Carlile. I wish it could play every time you open these pages, like a Hallmark birthday card, because it’s become the theme song of this book. The main refrain is: I wrapped your love around me like a chain But I never was afraid that it would die You can dance in a hurricane But only if you’re standing in the eye. I hope that it is clear by now that every day going forward we’re going to be asked to dance in a hurricane, set off by the accelerations in the Market, Mother Nature, and Moore’s law. Some politicians propose to build a wall against this hurricane. That is a fool’s errand. There is only one way to thrive now, and it’s by finding and creating your own eye. The eye of a hurricane moves, along with the storm. It draws energy from it, while creating a sanctuary of stability inside it. It is both dynamic and stable—and so must we be. We can’t escape these accelerations. We have to dive into them, take advantage of their energy and flows where possible, move with them, use them to learn faster, design smarter, and collaborate deeper—all so we can build our own eyes to anchor and propel ourselves and our families confidently forward.

I do rather like birds,’ Abdullah Unul says. ‘They’re busy, active little things. They make do. Have you ever thought, if Istanbul were to have an official bird, what would it be? I bet you’d think stork straight away. Maybe a sparrow. Me, the official bird of Istanbul would have to be the seagull. What do you see dancing around the Ramazan lights, what’ s following the ships up and down the Bosphorus, what’s facing into the wind on the rocks down by the water side. The common or garden gull, that’s what. For all those reasons, the seagull for me is Istanbul, but mostly because it practises kleptoparasitism. You may not have heard of that. I’ll explain. It’s a behaviour when one animal takes prey from another that has the job of catching or killing it. In seagulls it’s letting some other bird do all the hard work of catching the fish or a bit of bread and then taking it off them as they’re about to eat it. It’s the reason they’re the success they are. So, I’ll have that Koran. Both parts. To be honest, I’d prefer cash, but I imagine there’s a market for that gadgetry you have out there in Fenerbahçe.

I talked to Llewellyn and got a thick briefing packet with the key arguments on both sides. The problem, for those who wanted to stay in the EU, was that many of the arguments for Brexit were built on lies: about how much the UK paid into the European Union; about how Brexit wouldn’t hurt the British economy. Another problem was that the Brexit campaign was tapping into the same sense of nationalism and nostalgia that the Trump campaign was promoting back home: the days of Churchill, the absence of immigrants and intrusive international institutions. The arguments for staying in the EU were grounded in facts, not emotion: The EU was Britain’s largest market. The EU offered Britain a stronger voice in global affairs. Even the name of the campaign—Remain—sounded like a concession that life wasn’t going to be all that you hoped it would be.

Now, I assume you don’t want me to cart you back to Fjerda or the Shu Han?” It was clear Nina had finished the translation when Kuwei yelped, “No!” “Then your choices are Novyi Zem and the Southern Colonies, but the Kerch presence in the colonies is far lower. Also, the weather is better, if you’re partial to that kind of thing. You are a stolen painting, Kuwei. Too recognizable to sell on the open market, too valuable to leave lying around. You are worthless to me.” “I’m not translating that,” Nina snapped. “Then translate this: My sole concern is keeping you away from Jan Van Eck, and if you want me to start exploring more definite options, a bullet is a lot cheaper than putting you on a ship to the Southern Colonies.” Nina did translate, though haltingly. Kuwei responded in Shu. She hesitated. “He says you’re cruel.” “I’m pragmatic. If I were cruel, I’d give him a eulogy instead of a conversation. So, Kuwei, you’ll go to the Southern Colonies, and when the heat has died down, you can find your way to Ravka or Matthias’ grandmother’s house for all I care.” “Leave my grandmother out of this,” Matthias said.

Hope does not mean that our protests will suddenly awaken the dead consciences, the atrophied souls, of the plutocrats running Halliburton, Goldman Sachs, Exxon Mobil or the government. Hope does not mean we will reform Wall Street swindlers and speculators. Hope does not mean that the nation’s ministers and rabbis, who know the words of the great Hebrew prophets, will leave their houses of worship to practice the religious beliefs they preach. Most clerics like fine, abstract words about justice and full collection plates, but know little of real hope. Hope knows that unless we physically defy government control we are complicit in the violence of the state. All who resist keep hope alive. All who succumb to fear, despair and apathy become enemies of hope. Hope has a cost. Hope is not comfortable or easy. Hope requires personal risk. Hope does not come with the right attitude. Hope is not about peace of mind. Hope is an action. Hope is doing something. Hope, which is always nonviolent, exposes in its powerlessness the lies, fraud and coercion employed by the state. Hope does not believe in force. Hope knows that an injustice visited on our neighbor is an injustice visited on us all. Hope sees in our enemy our own face. Hope is not for the practical and the sophisticated, the cynics and the complacent, the defeated and the fearful. Hope is what the corporate state, which saturates our airwaves with lies, seeks to obliterate. Hope is what our corporate overlords are determined to crush. Be afraid, they tell us. Surrender your liberties to us so we can make the world safe from terror. Don’t resist. Embrace the alienation of our cheerful conformity. Buy our products. Without them you are worthless. Become our brands. Do not look up from your electronic hallucinations to think. No. Above all do not think. Obey. The powerful do not understand hope. Hope is not part of their vocabulary. They speak in the cold, dead words of national security, global markets, electoral strategy, staying on message, image and money. Those addicted to power, blinded by self-exaltation, cannot decipher the words of hope any more than most of us can decipher hieroglyphics. Hope to Wall Street bankers and politicians, to the masters of war and commerce, is not practical. It is gibberish. It means nothing. I cannot promise you fine weather or an easy time. I cannot pretend that being handcuffed is pleasant. If we resist and carry out acts, no matter how small, of open defiance, hope will not be extinguished. Any act of rebellion, any physical defiance of those who make war, of those who perpetuate corporate greed and are responsible for state crimes, anything that seeks to draw the good to the good, nourishes our souls and holds out the possibility that we can touch and transform the souls of others. Hope affirms that which we must affirm. And every act that imparts hope is a victory in itself.

If it is not my portion to meet thee in this life then let me ever feel that I have missed thy sight---let me not forget for a moment, let me carry the pangs of this sorrow in my dreams and in my wakeful hours. As my days pass in the crowded market of this world and my hands grow full with the daily profits, let me ever feel that I have gained nothing---let me not forget for a moment, let me carry the pangs of this sorrow in my dreams and in my wakeful hours. When I sit by the roadside, tired and panting, when I spread my bed low in the dust, let me ever feel that the long journey is still before me---let me not forget a moment, let me carry the pangs of this sorrow in my dreams and in my wakeful hours. When my rooms have been decked out and the flutes sound and the laughter there is loud, let me ever feel that I have not invited thee to my house---let me not forget for a moment, let me carry the pangs of this sorrow in my dreams and in my wakeful hours.

Habib wanted to buy a donkey, so he went to the market, stopped by a donkey he liked, and said to his owner, after an argument over the price, "That's all I have with me now, so either you sell me the donkey, or I'll be on my way." Finally the man agreed, and Habib left, dragging the donkey behind him. Two thieves saw him, and they agreed to steal the donkey. One of them crept up lightly and untied the rope from the donkey's neck without Habib feeling a thing. Then the thief tied the rope around his own neck. Through all this, Habib felt nothing of what was going on. The thief walked behind Habib while the other thief walked with the donkey, and the people passing by saw this and marveled at the sight and laughed. Habib marveled at himself and said, "Perhaps their admiration and laughter are due to the fact that they admire my donkey." When Habib arrived at his house, he turned around toward the donkey, and he saw the man, who was crying. The rope was on his neck, and Habib was amazed at his condition and said to him, "Who are you?" The thief stopped crying and wiped his tears, saying, "Sir, I am an ignorant man. I angered my mother." Habib said, "And then what?" The thief said, "So my mother prayed over me and asked God to curse me and transform me into a donkey, and God answered her prayer. When my big brother saw this, he wanted to get rid of me, so he put me up for sale in the market. Then you came and bought me, and with your blessing and your caring, I returned to being human, as I was!" And the thief took Habib's hand, praying his thanks to God. Habib befriended him, and he set him free after advising him to obey his mother and to beg her forgiveness and prayers. The next day, Habib returned to the market to buy a donkey, and he saw the same donkey and recognized him. Habib approached the donkey and whispered in his ear, saying, "Obviously you did not hear my words, and you angered your mother a second time. By God, I will never buy you!

And against whom is this censorship directed? By way of answer, think back to the big subcultural debates of 2011 – debates about how gritty fantasy isn’t really fantasy; how epic fantasy written from the female gaze isn’t really fantasy; how women should stop complaining about sexism in comics because clearly, they just hate comics; how trying to incorporate non-Eurocentric settings into fantasy is just political correctness gone wrong and a betrayal of the genre’s origins; how anyone who finds the portrayal of women and relationships in YA novels problematic really just wants to hate on the choices of female authors and readers; how aspiring authors and bloggers shouldn’t post negative reviews online, because it could hurt their careers; how there’s no homophobia in publishing houses, so the lack of gay YA protagonists can only be because the manuscripts that feature them are bad; how there’s nothing problematic about lots of pretty dead girls on YA covers; how there’s nothing wrong with SF getting called ‘dystopia’ when it’s marketed to teenage girls, because girls don’t read SF. Most these issues relate to fear of change in the genre, and to deeper social problems like sexism and racism; but they are also about criticism, and the freedom of readers, bloggers and authors alike to critique SFF and YA novels without a backlash that declares them heretical for doing so. It’s not enough any more to tiptoe around the issues that matter, refusing to name the works we think are problematic for fear of being ostracized. We need to get over this crushing obsession with niceness – that all fans must act nicely, that all authors must be nice to each other, that everyone must be nice about everything even when it goes against our principles – because it’s not helping us grow, or be taken seriously, or do anything other than throw a series of floral bedspreads over each new room-hogging elephant. We, all of us, need to get critical. Blog post: Criticism in SFF and YA

This is always always always what she wished a bazaar to be. Demre, proudly claiming to be the birthplace of Santa Claus, was direly lacking in workshops of wonder. Small corner stores, an understocked chain supermarket on the permanent edge of bankruptcy and a huge cash and carry that serviced the farms and the hotels squeezed between the plastic sky and the shingle shore. Russians flew there by the charter load to sun themselves and get wrecked on drink. Drip irrigation equipment and imported vodka, a typical Demre combination. But Istanbul; Istanbul was the magic. Away from home, free from the humid claustrophobia of the greenhouses, hectare after hectare after hectare; a speck of dust in the biggest city in Europe, anonymous yet freed by that anonymity to be foolish, to be frivolous and fabulous, to live fantasies. The Grand Bazaar! This was a name of wonder. This was hectare upon hectare of Cathay silk and Tashkent carpets, bolts of damask and muslin, brass and silver and gold and rare spices that would send the air heady. It was merchants and traders and caravan masters; the cornucopia where the Silk Road finally set down its cargoes. The Grand Bazaar of Istanbul was shit and sharks. Overpriced stuff for tourists, shoddy and glittery. Buy buy buy. The Egyptian Market was no different. In that season she went to every old bazaar in Sultanahmet and Beyoğlu. The magic wasn’t there.

Pushing through the market square, So many mothers sighing. News had just come over, We had five years left to cry in. News guy wept and told us, Earth was really dying. Cried so much his face was wet, then I knew he was not lying. I heard telephones, opera house, favourite melodies. I saw boys, toys, electric irons and T.V.s. My brain hurt like a warehouse, It had no room to spare. I had to cram so many things To store everything in there. And all the fat-skinny people. And all the tall-short people. And all the nobody people. And all the somebody people. I never thought I'd need so many people. A girl my age went off her head, hit some tiny children. If the black hadn't a-pulled her off, I think she would have killed them. A soldier with a broken arm Fixed his stare to the wheel of a Cadillac. A cop knelt and kissed the feet of a priest, and a queer threw up at the sight of that. I think I saw you in an ice-cream parlour, Drinking milk shakes cold and long. Smiling and waving and looking so fine, Don't think you knew you were in this song. And it was cold and it rained so I felt like an actor, And I thought of Ma and I wanted to get back there. Your face, your race, the way that you talk, I kiss you, you're beautiful, I want you to walk. We've got five years, Stuck on my eyes. Five years, What a surprise! We've got five years, My brain hurts a lot. Five years, That's all we've got. - Five Years

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.

PEACETIME CEO/WARTIME CEO Peacetime CEO knows that proper protocol leads to winning. Wartime CEO violates protocol in order to win. Peacetime CEO focuses on the big picture and empowers her people to make detailed decisions. Wartime CEO cares about a speck of dust on a gnat’s ass if it interferes with the prime directive. Peacetime CEO builds scalable, high-volume recruiting machines. Wartime CEO does that, but also builds HR organizations that can execute layoffs. Peacetime CEO spends time defining the culture. Wartime CEO lets the war define the culture. Peacetime CEO always has a contingency plan. Wartime CEO knows that sometimes you gotta roll a hard six. Peacetime CEO knows what to do with a big advantage. Wartime CEO is paranoid. Peacetime CEO strives not to use profanity. Wartime CEO sometimes uses profanity purposefully. Peacetime CEO thinks of the competition as other ships in a big ocean that may never engage. Wartime CEO thinks the competition is sneaking into her house and trying to kidnap her children. Peacetime CEO aims to expand the market. Wartime CEO aims to win the market. Peacetime CEO strives to tolerate deviations from the plan when coupled with effort and creativity. Wartime CEO is completely intolerant. Peacetime CEO does not raise her voice. Wartime CEO rarely speaks in a normal tone. Peacetime CEO works to minimize conflict. Wartime CEO heightens the contradictions. Peacetime CEO strives for broad-based buy-in. Wartime CEO neither indulges consensus building nor tolerates disagreements. Peacetime CEO sets big, hairy, audacious goals. Wartime CEO is too busy fighting the enemy to read management books written by consultants who have never managed a fruit stand. Peacetime CEO trains her employees to ensure satisfaction and career development. Wartime CEO trains her employees so they don’t get their asses shot off in the battle. Peacetime CEO has rules like “We’re going to exit all businesses where we’re not number one or two.” Wartime CEO often has no businesses that are number one or two and therefore does not have the luxury of following that rule.

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.

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.

This place, our little cloud forest, even though we missed our papi, it was the most beautiful place you've ever seen. We didn't really know that then, because it was the only place we'd ever seen, except in picture in books and magazines, but now that's I've seen other place, I know. I know how beautiful it was. And we loved it anyway even before we knew. Because the trees had these enormous dark green leaves, as a big as a bed, and they would sway in the wind. And when it rain you could hear the big, fat raindrops splatting onto those giant leaves, and you could only see the sky in bright blue patches if you were walking a long way off to a friend's house or to church or something, when you passed through a clearing and all those leaves would back away and open up and the hot sunshine would beat down all yellow and gold and sticky. And there were waterfalls everywhere with big rock pools where you could take a bath and the water was always warm and it smelled like sunlight. And at night there was the sound of the tree frogs and the music of the rushing water from the falls and all the songs of the night birds, and Mami would make the most delicious chilate, and Abuela would sing to us in the old language, and Soledad and I would gather herbs and dry them and bundle them for Papi to sell in the market when he had a day off, and that's how we passed our days.' Luca can see it. He's there, far away in the misty cloud forest, in a hut with a packed dirt floor and a cool breeze, with Rebeca and Soledad and their mami and abuela, and he can even see their father, far away down the mountain and through the streets of that clogged, enormous city, wearing a long apron and a chef's hat, and his pockets full of dried herbs. Luca can smell the wood of the fire, the cocoa and cinnamon of the chilate, and that's how he knows Rebeca is magical, because she can transport him a thousand miles away into her own mountain homestead just by the sound of her voice.

Most of the crime-ridden minority neighborhoods in New York City, especially areas like East New York, where many of the characters in Eric Garner’s story grew up, had been artificially created by a series of criminal real estate scams. One of the most infamous had involved a company called the Eastern Service Corporation, which in the sixties ran a huge predatory lending operation all over the city, but particularly in Brooklyn. Scam artists like ESC would first clear white residents out of certain neighborhoods with scare campaigns. They’d slip leaflets through mail slots warning of an incoming black plague, with messages like, “Don’t wait until it’s too late!” Investors would then come in and buy their houses at depressed rates. Once this “blockbusting” technique cleared the properties, a company like ESC would bring in a new set of homeowners, often minorities, and often with bad credit and shaky job profiles. They bribed officials in the FHA to approve mortgages for anyone and everyone. Appraisals would be inflated. Loans would be approved for repairs, but repairs would never be done. The typical target homeowner in the con was a black family moving to New York to escape racism in the South. The family would be shown a house in a place like East New York that in reality was only worth about $15,000. But the appraisal would be faked and a loan would be approved for $17,000. The family would move in and instantly find themselves in a house worth $2,000 less than its purchase price, and maybe with faulty toilets, lighting, heat, and (ironically) broken windows besides. Meanwhile, the government-backed loan created by a lender like Eastern Service by then had been sold off to some sucker on the secondary market: a savings bank, a pension fund, or perhaps to Fannie Mae, the government-sponsored mortgage corporation. Before long, the family would default and be foreclosed upon. Investors would swoop in and buy the property at a distressed price one more time. Next, the one-family home would be converted into a three- or four-family rental property, which would of course quickly fall into even greater disrepair. This process created ghettos almost instantly. Racial blockbusting is how East New York went from 90 percent white in 1960 to 80 percent black and Hispanic in 1966.

But I am a paladin,” Cordelia cried. “It’s awful, I loathe it— don’t imagine that I feel anything other than hated for this thing that binds me to Lilith. But they fear me because of it. They dare not touch me—” “Oh?” snarled James. “They dare not touch you? That’s not what it bloody looked like.” “The demon at Chiswick House—it was about to tell me something about Belial, before you shot it.” “Listen to yourself, Cordelia!” James shouted. “You are without Cortana! You cannot even lift a weapon! Do you know what it means to me, that you cannot protect yourself? Do you understand that I am terrified, every moment of every day and night, for your safety?” Cordelia stood speechless. She had no idea what to say. She blinked, and felt something hot against her cheek. She put her hand up quickly—surely she was not crying?— and it came away scarlet. “You’re bleeding,” James said. He closed the distance between them in two strides. He caught her chin and lifted it, his thumb stroking across her cheekbone. “Just a scratch,” he breathed. “Are you hurt anywhere else? Daisy, tell me—” “No. I’m fine. I promise you,” she said, her voice wavering as his intent golden eyes spilled over her, searching for signs of injury. “It’s nothing.” “It’s the furthest thing from nothing,” James rasped. “By the Angel, when I realized you’d gone out, at night, weaponless—” “What were you even doing at the house? I thought you were staying at the Institute.” “I came to get something for Jesse,” James said. “I took him shopping, with Anna—he needed clothes, but we forgot cuff links—” “He did need clothes,” Cordelia agreed. “Nothing he had fit.” “Oh, no,” said James. “We are not chatting. When I came in, I saw your dress in the hall, and Effie told me she’d caught a glimpse of you leaving. Not getting in a carriage, just wandering off toward Shepherd Market—” “So you Tracked me?” “I had no choice. And then I saw you—you had gone to where your father died,” he said after a moment. “I thought—I was afraid—” “That I wanted to die too?” Cordelia whispered. It had not occurred to her that he might think that. “James. I may be foolish, but I am not self-destructive.” “And I thought, had I made you as miserable as that? I have made so many mistakes, but none were calculated to hurt you. And then I saw what you were doing, and I thought, yes, she does want to die. She wants to die and this is how she’s chosen to do it.” He was breathing hard, almost gasping, and she realized how much of his fury was despair. “James,” she said. “It was a foolish thing to do, but at no moment did I want to die—” He caught at her shoulders. “You cannot hurt yourself, Daisy. You must not. Hate me, hit me, do anything you want to me. Cut up my suits and set fire to my books. Tear my heart into pieces, scatter them across England. But do not harm yourself—” He pulled her toward him, suddenly, pressing his lips to her hair, her cheek. She caught him by the arms, her fingers digging into his sleeves, holding him to her. “I swear to the Angel,” he said, in a muffled voice, “if you die, I will die, and I will haunt you. I will give you no peace—” He kissed her mouth. Perhaps it had been meant to be a quick kiss, but she could not help herself: she kissed back. And it was like breathing air after being trapped underground for weeks, like coming into sunlight after darkness.

If government had declined to build racially separate public housing in cities where segregation hadn’t previously taken root, and instead had scattered integrated developments throughout the community, those cities might have developed in a less racially toxic fashion, with fewer desperate ghettos and more diverse suburbs. If the federal government had not urged suburbs to adopt exclusionary zoning laws, white flight would have been minimized because there would have been fewer racially exclusive suburbs to which frightened homeowners could flee. If the government had told developers that they could have FHA guarantees only if the homes they built were open to all, integrated working-class suburbs would likely have matured with both African Americans and whites sharing the benefits. If state courts had not blessed private discrimination by ordering the eviction of African American homeowners in neighborhoods where association rules and restrictive covenants barred their residence, middle-class African Americans would have been able gradually to integrate previously white communities as they developed the financial means to do so. If churches, universities, and hospitals had faced loss of tax-exempt status for their promotion of restrictive covenants, they most likely would have refrained from such activity. If police had arrested, rather than encouraged, leaders of mob violence when African Americans moved into previously white neighborhoods, racial transitions would have been smoother. If state real estate commissions had denied licenses to brokers who claimed an “ethical” obligation to impose segregation, those brokers might have guided the evolution of interracial neighborhoods. If school boards had not placed schools and drawn attendance boundaries to ensure the separation of black and white pupils, families might not have had to relocate to have access to education for their children. If federal and state highway planners had not used urban interstates to demolish African American neighborhoods and force their residents deeper into urban ghettos, black impoverishment would have lessened, and some displaced families might have accumulated the resources to improve their housing and its location. If government had given African Americans the same labor-market rights that other citizens enjoyed, African American working-class families would not have been trapped in lower-income minority communities, from lack of funds to live elsewhere. If the federal government had not exploited the racial boundaries it had created in metropolitan areas, by spending billions on tax breaks for single-family suburban homeowners, while failing to spend adequate funds on transportation networks that could bring African Americans to job opportunities, the inequality on which segregation feeds would have diminished. If federal programs were not, even to this day, reinforcing racial isolation by disproportionately directing low-income African Americans who receive housing assistance into the segregated neighborhoods that government had previously established, we might see many more inclusive communities. Undoing the effects of de jure segregation will be incomparably difficult. To make a start, we will first have to contemplate what we have collectively done and, on behalf of our government, accept responsibility.

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.

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.