How To Put Credits On Quotes

If this was a movie, she’d be the young, ambitious teacher who shows up at the inner city school and inspires the fuckups, and suddenly everyone’s putting down their AKs and picking up their pencils, and the end credits scroll up to announce how all the kids got into Harvard or some shit. Instant Oscar for Hilary Swank.

Men credited with all kinds of ability, talent, brains and know how, including the ability to see into the future, frequently have nothing more than the courage to keep everlastingly at what they set out to do. They have that one great quality that is worth more than all the rest put together. They simply will not give up! When a man makes up his mind to do something then it's only a matter of time. Staying with time take bulldog persistence. This seems to be the entrance examination to success - lasting success -- of any kind!

This saintly anarchist, who aroused the people of the abyss, the outcasts and “sinners,” the Chandala of Judaism, to rise in revolt against the established order of things—and in language which, if the Gospels are to be credited, would get him sent to Siberia today—this man was certainly a political criminal, at least in so far as it was possible to be one in so absurdly unpolitical a community. This is what brought him to the cross: the proof thereof is to be found in the inscription that was put upon the cross. He died for his own sins—there is not the slightest ground for believing, no matter how often it is asserted, that he died for the sins of others.

It was if I wanted credit for rescuing my mother from a fire that I had set and couldn’t put out. I wasn’t the man of the house; I was the kid who’d finally lit his first match.

Well I'm not going to hope that you get hurt, but if you do, remember that you're my damsel in distress, and no one is allowed to carry you." "I don't remember signing a contract." "All the more reason to promise me now." "What if you're not around when I get hurt?" "Send word, I`ll come running." "How big an injury does it have to be? Because sometimes I do this thing when I stand up too quickly and my ankle kind of twists a little---" "Sounds serious. You don't want to put any weight on that. I`d better carry you the next time that happens." "What if I skin my knee?" "I`ll carry you." "Charley horse?" "I`ll carry you." "Chipped toenail?" "Not worth taking a risk. I`ll carry you.” I grin at him [...] I have to admit -- he's funnier and smarter than I've given him credit for.

The idea that people would be happier if they maintained a constant state of realism is a beautiful sentiment, but Taylor and Brown found just the opposite. They presented a new theory that suggested that well-being came from unrealistic views of reality. They said you reduce the stress of terminal illness or a high-pressure job or unexpected tragedy by resorting to optimism and delusion. Your wildly inaccurate self-evaluations get you through rough times and help motivate you when times are good. Indeed, later research backed up their claims, showing that people who are brutally honest with themselves are not as happy day to day as people with unrealistic assumptions about their abilities. People who take credit for the times when things go their way but who put the blame on others when they stumble or fall are generally happier people.

Hopefully not another employee stealing credit cards, Brooke mused. Or any sort of headache-inducing “oops moment,” like the time one of the restaurant managers called to ask if he could fire a line cook after discovering that the man was a convicted murderer. “Jeez. How’d you learn that?” Brooke had asked. “He made a joke to one of the waiters about honing his cooking skills in prison. The waiter asked what he’d been serving time for, and he said, ‘Murder.’” “I bet that put an end to the conversation real fast. And yes, you can fire him,” Brooke had said. “Obviously, he lied on his employment application.” All of Sterling’s employees, regardless of job position, were required to answer whether they’d ever been convicted of a crime involving “violence, deceit, or theft.” Pretty safe to say that murder qualified. Ten minutes later, the manager had called her back. “Um . . . what if he didn’t exactly lie? I just double-checked his application, and as it turns out, he did check the box for having been convicted of a crime.” Brooke had paused at that. “And then the next question, where we ask what crime he’d been convicted for, what did he write?” “Uh . . . ‘second-degree murder.’” “I see. Just a crazy suggestion here, Cory, but you might want to start reading these applications a little more closely before making employment offers.” “Please don’t fire me.

How am I, then, a villain To counsel Cassio to this parallel course, Directly to his good? Divinity of hell! When devils will the blackest sins put on, They do suggest at first with heavenly shows, As I do now: for whiles this honest fool Plies Desdemona to repair his fortune, And she for him pleads strongly to the Moor, I’ll pour this pestilence into his ear,— That she repeals him for her body’s lust; And by how much she strives to do him good, She shall undo her credit with the Moor. So will I turn her virtue into pitch; And out of her own goodness make the net That shall enmesh them all.

[I]t is a mistake to rush to impose the individual ethical responsibility that the corporate structure deflects. This is the temptation of the ethical which, as Zizek has argued, the capitalist system is using in order to protect itself in the wake of the credit crisis - the blame will be put on supposedly pathological individuals, those’ abusing the system’, rather than on the system itself. But the evasion is actually a two step procedure - since structure will often be invoked (either implicitly or openly) precisely at the point when there is the possibility of individuals who belong to the corporate structure being punished. At this point, suddenly, the causes of abuse or atrocity are so systemic, so diffuse, that no individual can be held responsible… But this impasse - it is only individuals that can be held ethically responsible for actions, and yet the cause of these abuses and errors is corporate, systemic - is not only a dissimulation: it precisely indicates what is lacking in capitalism. What agencies are capable of regulating and controlling impersonal structures? How is it possible to chastise a corporate structure? Yes, corporations can legally be treated as individuals - but the problem is that corporations, whilst certainly entities, are not like individual humans, and any analogy between punishing corporations and punishing individuals will therefore necessarily be poor. And it is not as if corporations are the deep-level agents behind everything; they are themselves constrained by/expressions of the ultimate cause-that-is-not-asubject: Capital.

The ability to speak is a shortcut to distinction. It puts a person in the limelight, raises one head and shoulders above the crowd. And the person who can speak acceptably is usually given credit for an ability out of all proportion to what he or she really possesses.

before getting started with any aspect of our lives — travel, a project, a meeting — we first bring the task at hand to the attention of the gods or God, our allies in the Otherworld. We openly admit to them what we are facing and how overwhelming it is. By ritually putting what we do in the hands of the gods, we make it possible for things to be done better because more than we are involved in its getting done. Also, willingness to surrender the credit of our accomplishments to Spirit puts us in greater alignment with the Universe. From

We hated not knowing something. We hated not knowing who was going to walk Spanish down the hall. How would our bills get paid? And where would we find new work? We knew the power of the credit card companies and the collection agencies and the consequences of bankruptcy. Those institutions were without appeal. They put your name into a system, and from that point forward, vital parts of the American dream were foreclosed upon. A backyard swimming pool. A long weekend in Vegas. A low-end BMW. These were not Jeffersonian ideals, perhaps, on par with life and liberty, but at this advanced stage, with the West won and the Cold War over, they, too, seemed among our inalienable rights.

The true blessing of the mountains is not that they provide a challenge or a contest, something to be overcome and dominated (although this is how many people have approached them). It is that they offer something gentler and infinitely more powerful: they make us ready to credit marvels - whether it is the dark swirl which water makes beneath a plate of ice, or the feel of the soft pelts of moss which form on the lee sides of boulders and trees. Being in the mountains reignites our astonishment at the simplest transactions of the physical world: a snowflake a millionth of an ounce in weight falling on to one's outstretched palm, water patiently carving a runnel in a face of granite, the apparently motiveless shift of a stone in a scree-filled gully. Tu put a hand down and feel the ridges and score in a rock where a glaciers has passed, to hear how a hillside comes alive with moving water after a rain shower, to see late summer light filling miles of landscape like an inexhaustible liquid - none of these is a trivial experience. Mountains returns to us priceless capacity for wonder which can so insensibly be leached away by modern existence, and they urge us to apply that wonder to our own everyday lives.

People who take credit for the times when things go their way but who put the blame on others when they stumble or fall are generally happier people.

Something creaked beneath me! A soft step on rotting wood! I jumped startled, scared, and turned, expecting to see-God knows what! Then I sighed, for it was only Chris standing in the gloom, silently staring at me. Why? Did I look prettier than usual? Was it the moonlight, shining through my airy clothes? All random doubts were cleared when he said in a voice gritty and low, "You look beautiful sitting there like that." He cleared the frog in his throat. "The moonlight is etching you with silver-blue, and I can see the shape of your body through your clothes." Then, bewilderingly, he seized me by the shoulders, digging in his fingers, hard! They hurt. "Damn you, Cathy! You kissed that man! He could have awakened and seen you, and demanded to know who you were! And not thought you only a part of his dream!" Scary the way he acted, the fright I felt for no reason at all. "How do you know what I did? You weren't there; you were sick that night." He shook me, glaring his eyes, and again I thought he seemed a stranger. "He saw you, Cathy-he wasn't soundly asleep!" "He saw me?" I cried, disbelieving. It wasn't possible . . . wasn't! "Yes!" he yelled. This was Chris, who was usually in such control of his emotions. "He thought you a part of his dream! But don't you know Momma can guess who it was, just by putting two and two together-just as I have? Damn you and your romantic notions! Now they're on to us! They won't leave money casually about as they did before. He's counting, she's counting, and we don't have enough-not yet!" He yanked me down from the widow sill! He appeared wild and furious enough to slap my face-and not once in all our lives had he ever struck me, though I'd given him reason to when I was younger. But he shook me until my eyes rolled, until I was dizzy and crying out: "Stop! Momma knows we can't pass through a looked door!" This wasn't Chris . . . this was someone I'd never seen before . . . primitive, savage. He yelled out something like, "You're mine, Cathy! Mine! You'll always be mine! No matter who comes into your future, you'll always belong to me! I'll make you mine . . . tonight . . . now!" I didn't believe it, not Chris! And I did not fully understand what he had in mind, nor, if I am to give him credit, do I think he really meant what he said, but passion has a way of taking over. We fell to the floor, both of us. I tried to fight him off. We wrestled, turning over and over, writhing, silent, a frantic strug- gle of his strength against mine. It wasn't much of a battle. I had the strong dancer's legs; he had the biceps, the greater weight and height . . . and he had much more determination than i to use something hot, swollen and demanding, so much it stile reasoning and sanity from him. And I loved him. I wanted what he wanted-if he wanted it that much, right and wrong. Somehow we ended up on that old mattress-that filthy, smelly, stained mattress that must have known lovers long before this night. And that is where he took me, and forced in that swollen, rigid male sex part of him that had to be satisfied. It drove into my tight and resisting flesh which tore and bled. Now we had done what we both swore we'd never do.

The answer to that question is…I won’t. You belong with me. Which leads me to the discussion I wanted to have with you.” “Where I belong is for me to decide, and though I may listen to what you have to say, that doesn’t mean I will agree with you.” “Fair enough.” Ren pushed his empty plate to the side. “We have some unfinished business to take care of.” “If you mean the other tasks we have to do, I’m already aware of that.” “I’m not talking about that. I’m talking about us.” “What about us?” I put my hands under the table and wiped my clammy palms on my napkin. “I think there are a few things we’ve left unsaid, and I think it’s time we said them.” “I’m not withholding anything from you, if that’s what you mean.” “You are.” “No. I’m not.” “Are you refusing to acknowledge what has happened between us?” “I’m not refusing anything. Don’t try to put words in my mouth.” “I’m not. I’m simply trying to convince a stubborn woman to admit that she has feelings for me.” “If I did have feelings for you, you’d be the first one to know.” “Are you saying that you don’t feel anything for me?” “That’s not what I’m saying.” “Then what are you saying?” “I’m saying…nothing!” I spluttered. Ren smiled and narrowed his eyes at me. If he kept up this line of questioning, he was bound to catch me in a lie. I’m not a very good liar. He sat back in his chair. “Fine. I’ll let you off the hook for now, but we will talk about this later. Tigers are relentless once they set their minds to something. You don’t be able to evade me forever.” Casually, I replied, “Don’t get your hopes up, Mr. Wonderful. Every hero has his Kryptonite, and you don’t intimidate me.” I twisted my napkin in my lap while he tracked my every move with his probing eyes. I felt stripped down, as if he could see into the very heart of me. When the waitress came back, Ren smiled at her as she offered a smaller menu, probably featuring desserts. She leaned over him while I tapped my strappy shoe in frustration. He listened attentively to her. Then, the two of them laughed again. He spoke quietly, gesturing to me, and she looked my way, giggled, and then cleared all the plates quickly. He pulled out a wallet and handed her a credit card. She put her hand on his arm to ask him another question, and I couldn’t help myself. I kicked him under the table. He didn’t even blink or look at me. He just reached his arm across the table, took my hand in his, and rubbed the back of it absentmindedly with his thumb as he answered her question. It was like my kick was a love tap to him. It only made him happier. When she left, I narrowed my eyes at him and asked, “How did you get that card, and what were you saying to her about me?” “Mr. Kadam gave me the card, and I told her that we would be having our dessert…later.” I laughed facetiously. “You mean you will be having dessert later by yourself this evening because I am done eating with you.” He leaned across the candlelit table and said, “Who said anything about eating, Kelsey?” He must be joking! But he looked completely serious. Great! There go the nervous butterflies again. “Stop looking at me like that.” “Like what?” “Like you’re hunting me. I’m not an antelope.” He laughed. “Ah, but the chase would be exquisite, and you would be a most succulent catch.” “Stop it.” “Am I making you nervous?” “You could say that.” I stood up abruptly as he was signing the receipt and made my way toward the door. He was next to me in an instant. He leaned over. “I’m not letting you escape, remember? Now, behave like a good date and let me walk you home. It’s the least you could do since you wouldn’t talk with me.

The essential criterion for running a bookstore is less "Do you like books?" than "Do you like people?" Ironically, we find that having unlimited access to more reading material than we ever could have imagined means we read less. Chuck and Dee Robinson own Village Books [...]He once said in an interview with business writer Rober Spector, "If you're opening a bookstore because you love reading books, then become a night watchman because you'll be able to read more books that way." He was right. It's amazing how just the sight of so much intellectual fodder quells the appetite, let alone how little time remains to read once the shelves have been straightened, the day's swap credits assessed and put away, and the sales taxes tallied.

I pray that the world never runs out of dragons. I say that in all sincerity, though I have played a part in the death of one great wyrm. For the dragon is the quintessential enemy, the greatest foe, the unconquerable epitome of devastation. The dragon, above all other creatures, even the demons and the devils, evokes images of dark grandeur, of the greatest beast curled asleep on the greatest treasure hoard. They are the ultimate test of the hero and the ultimate fright of the child. They are older than the elves and more akin to the earth than the dwarves. The great dragons are the preternatural beast, the basic element of the beast, that darkest part of our imagination. The wizards cannot tell you of their origin, though they believe that a great wizard, a god of wizards, must have played some role in the first spawning of the beast. The elves, with their long fables explaining the creation of every aspect of the world, have many ancient tales concerning the origin of the dragons, but they admit, privately, that they really have no idea of how the dragons came to be. My own belief is more simple, and yet, more complicated by far. I believe that dragons appeared in the world immediately after the spawning of the first reasoning race. I do not credit any god of wizards with their creation, but rather, the most basic imagination wrought of unseen fears, of those first reasoning mortals. We make the dragons as we make the gods, because we need them, because, somewhere deep in our hearts, we recognize that a world without them is a world not worth living in. There are so many people in the land who want an answer, a definitive answer, for everything in life, and even for everything after life. They study and they test, and because those few find the answers for some simple questions, they assume that there are answers to be had for every question. What was the world like before there were people? Was there nothing but darkness before the sun and the stars? Was there anything at all? What were we, each of us, before we were born? And what, most importantly of all, shall we be after we die? Out of compassion, I hope that those questioners never find that which they seek. One self-proclaimed prophet came through Ten-Towns denying the possibility of an afterlife, claiming that those people who had died and were raised by priests, had, in fact, never died, and that their claims of experiences beyond the grave were an elaborate trick played on them by their own hearts, a ruse to ease the path to nothingness. For that is all there was, he said, an emptiness, a nothingness. Never in my life have I ever heard one begging so desperately for someone to prove him wrong. This is kind of what I believe right now… although, I do not want to be proved wrong… For what are we left with if there remains no mystery? What hope might we find if we know all of the answers? What is it within us, then, that so desperately wants to deny magic and to unravel mystery? Fear, I presume, based on the many uncertainties of life and the greatest uncertainty of death. Put those fears aside, I say, and live free of them, for if we just step back and watch the truth of the world, we will find that there is indeed magic all about us, unexplainable by numbers and formulas. What is the passion evoked by the stirring speech of the commander before the desperate battle, if not magic? What is the peace that an infant might know in its mother’s arms, if not magic? What is love, if not magic? No, I would not want to live in a world without dragons, as I would not want to live in a world without magic, for that is a world without mystery, and that is a world without faith. And that, I fear, for any reasoning, conscious being, would be the cruelest trick of all. -Drizzt Do’Urden

If everybody in the world suddenly decided not to use their credit cards for three days, the whole global economy would be in serious trouble. (Recall how we were all urged to get out our credit cards after 9/11 and get back to shopping.) Which is why so much effort is put toward getting money out of our pockets and keeping it circulating.

I now understand that all the people I have ever known have come into my life to teach me about love. I am coming to trust that every moment of affection I received has been carefully recorded in me, ready for playback. The love I received from others shows me how to love those who need it from me. This is how the people who loved me have helped write this book. Specific memories also come through about how much people have had to put up with from me. What did they see in me that made them stick with me when I was so damned afraid to return their love? Maybe they saw something lovable in me that I need to see in myself. Their uninterrupted love also helps me trust that I must have shown more love than I give myself credit for.

Civilians had no idea how much nonsense you had to listen to when you were a cop. The public loved to salute police officers for their bravery, but no one ever gave credit for the day-in, day-out fortitude required to put up with the bullshit. While courage was an excellent feature in a police officer, a built-in resistance to gibberish was, in Lila's opinion, just as important.

The euro and the ECB were designed in a way that blocks government money creation for any purpose other than to support the banks and bondholders. Their monetary and fiscal straitjacket obliges the eurozone economies to rely on bank creation of credit and debt. The financial sector takes over the role of economic planner, putting its technicians in charge of monetary and fiscal policy without democratic voice or referendums over debt and tax policies.

The self-righteous person’s superfluity of moral credit is the basis of his discourse. He presupposes his own moral values and his own righteousness as a condition of conversation. The effect of this is that anyone talking to a self-righteous person must either agree with his moral values and act equally self-righteous, or face being put in a morally inferior position in the discourse. This is what makes self-righteous people particularly infuriating to talk to. F

The more proposals, the more credit. Fan says Trix always asks when she comes home after the summer excursions, how many birds have you bagged as if men were partridges. What wicked creatures we are! Some of us at least. I wonder why such a love of conquest was put into us? Mother says a great deal of it is owing to bad education nowadays, but some girls seem born for the express purpose of making trouble, and would manage to do it, if they lived in a howling wilderness.

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.

Financing is an art form. One of the challenges is how to correctly finance a company. In certain periods of time, more covenants need to be put into deals. You have to be sure the company has the right covenant -- to allow it the freedom to grow, but also to insure the integrity of the credit. Sometimes a company should issue convertible bonds instead of straight bonds. Sometimes it should issue preferred stock. Each company and each financing is different, and the process can’t be imitative.

A lot of the credit, too, should go to Turing, for developing the concept of a universal computer and then being part of a hands-on team at Bletchley Park. How you rank the historic contributions of the others depends partly on the criteria you value. If you are enticed by the romance of lone inventors and care less about who most influenced the progress of the field, you might put Atanasoff and Zuse high. But the main lesson to draw from the birth of computers is that innovation is usually a group effort, involving collaboration between visionaries and engineers, and that creativity comes from drawing on many sources.

It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face in marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat. Shame on the man of cultivated taste who permits refinement to develop into fastidiousness that unfits him for doing the rough work of a workaday world. Among the free peoples who govern themselves there is but a small field of usefulness open for the men of cloistered life who shrink from contact with their fellows. Still less room is there for those who deride of slight what is done by those who actually bear the brunt of the day; nor yet for those others who always profess that they would like to take action, if only the conditions of life were not exactly what they actually are. The man who does nothing cuts the same sordid figure in the pages of history, whether he be a cynic, or fop, or voluptuary. There is little use for the being whose tepid soul knows nothing of great and generous emotion, of the high pride, the stern belief, the lofty enthusiasm, of the men who quell the storm and ride the thunder. Well for these men if they succeed; well also, though not so well, if they fail, given only that they have nobly ventured, and have put forth all their heart and strength. It is war-worn Hotspur, spent with hard fighting, he of the many errors and valiant end, over whose memory we love to linger, not over the memory of the young lord who 'but for the vile guns would have been a valiant soldier.

Now you fall across the bed when you're not sleepy but just tired of the way you live--or aren't living. From the outside you shouldn't be complaining, but success and a good credit score can't love you. Or give you an orgasm. You even empty the trash and wonder what you're really throwing away. You comb your hair and put on makeup and buy something pretty to wear and get your nails and toes painted hot pink even though you don't feel hot, and you wonder who will even notice. You shave your legs and under your arms and get your eyebrows waxed, and you wonder who will notice. And then, one day, out of nowhere, you stop wondering and start worrying that the best part of your life is behind you. Is this how it's going to be forever? Is this all there is? God, you hope not.

As President Teddy Roosevelt put it: It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

STAR DREK Human beings are such slobs that, from now on, pigs must declare us the other white meat. Do you know that right now there is so much discarded trash in outer space that three times last month the International Space Station was almost hit by some useless hunk of floating metal—not unlike the International Space Station itself? So really, you’ve got to give the human race credit: only humans could visit an infinite void and leave it cluttered. Not only have we screwed up our own planet; somehow we have also managed to use up all the space in space. Now, history shows over and over again that if the citizens of Earth put their minds to it, they can destroy anything. It doesn’t matter how remote or pristine, together, yes, we can fuck it up. The age of space exploration is only fifty years old, and we have already managed to turn the final frontier into the New Jersey Meadowlands.12

I went to grab the perfect shade of green and realized I didn’t have it. How could bamboo be colored with primary green? I blew out a frustrated breath and looked back into the box. Rand was crouched beside me, his hand resting gently on my back. His touch was light but also strong and reassuring. I couldn’t help but lean into him, even if I swore to myself I wasn’t. “What’s wrong?” “This green isn’t right for the bamboo.” Because that was the most normal sentence I’d ever uttered. “What about these colors?” he pulled out a pink crayon, then a blue, and finally a purple. “Bamboo is green! But it isn’t primary green.” To his credit, Rand didn’t look at me like I had four heads. But then again, he picked up the blue crayon and handed it to me. “I think blue and pink and purple bamboo would be perfect.” My mouth hung open, and I tried to argue. “No! No, it’s not.” Rand rubbed his hand over my head. “Kyle, it’s coloring in a children’s coloring book. You aren’t entering this into an art contest. It can be blue and purple and yellow and orange if you want it to be. It can be out of the lines, it can be scribbles on the page. You aren’t trying to imitate life right now. You’re coloring a picture that I can hang on the fridge and we can smile at.” “The fridge?” “I’m going to take the green away completely if you keep worrying about it.” I gasped in horror. “You wouldn’t!” I needed the green. Rand raised an eyebrow at me, asking me if I wanted to push it. I shut my mouth quickly and picked up the light-blue color he was holding out to me. Could bamboo really be light blue? I bit my lip as I put the blue to the paper and colored the first few lines in smooth up and down motions. “It’s going to be beautiful,” Rand gushed. He was over exaggerating, but I felt myself swell with pride.

Remy nods thoughtfully. "Small places make for small lives. And some people are fine with that. They like knowing where to put their feet. But if you only walk in other people's steps, you cannot make your own way. You cannot leave a mark." Addie's throat tightens. "Do you think a life has bay value if one doesn't leave some mark upon the world?" Remy's expression sobers, and he must read the sadness in her voice, because he says, "I think there are many ways to matter." He plucks the book from his pocket. "These are the words of a man - Voltaire. But they are also the hands that set the type. The ink that made it readable, the tree that made the paper. All of them matter, though credit goes only to the name on the cover." He has misread her, of course, assumed the question stemmed from a different, more common fear. Still, his words hold weight -- though it will be years before Addie discovers just how much.

Onions! Fresh, hot, sweet onions,” Sam called as Mary Lou pulled the cart down Main Street. “Eight cents a dozen.” It was a beautiful spring morning. The sky was painted pale blue and pink—the same color as the lake and the peach trees along its shore. Mrs. Gladys Tennyson was wearing just her nightgown and robe as she came running down the street after Sam. Mrs. Tennyson was normally a very proper woman who never went out in public without dressing up in fine clothes and a hat. So it was quite surprising to the people of Green Lake to see her running past them. “Sam!” she shouted. “Whoa, Mary Lou,” said Sam, stopping his mule and cart. “G’morning, Mrs. Tennyson,” he said. “How’s little Becca doing?” Gladys Tennyson was all smiles. “I think she’s going to be all right. The fever broke about an hour ago. Thanks to you.” “I’m sure the good Lord and Doc Hawthorn deserve most of the credit.” “The Good Lord, yes,” agreed Mrs. Tennyson, “but not Dr. Hawthorn. That quack wanted to put leeches on her stomach! Leeches! My word! He said they would suck out the bad blood. Now you tell me. How would a leech know good blood from bad blood?” “I wouldn’t know,” said Sam. “It was your onion tonic,” said Mrs. Tennyson. “That’s what saved her.” Other townspeople made their way to the cart. “Good morning, Gladys,” said Hattie Parker. “Don’t you look lovely this morning.” Several people snickered. “Good morning, Hattie,” Mrs. Tennyson replied. “Does your husband know you’re parading about in your bed clothes?” Hattie asked. There were more snickers. “My husband knows exactly where I am and how I am dressed, thank you,” said Mrs. Tennyson. “We have both been up all night and half the morning with Rebecca. She almost died from stomach sickness. It seems she ate some bad meat.” Hattie’s face flushed. Her husband, Jim Parker, was the butcher. “It made my husband and me sick as well,” said Mrs. Tennyson, “but it nearly killed Becca, what with her being so young. Sam saved her life.” “It wasn’t me,” said Sam. “It was the onions.” “I’m glad Becca’s all right,” Hattie said contritely. “I keep telling Jim he needs to wash his knives,” said Mr. Pike, who owned the general store. Hattie Parker excused herself, then turned and quickly walked away. “Tell Becca that when she feels up to it to come by the store for a piece of candy,” said Mr. Pike. “Thank you, I’ll do that.” Before returning home, Mrs. Tennyson bought a dozen onions from Sam. She gave him a dime and told him to keep the change. “I don’t take charity,” Sam told her. “But if you want to buy a few extra onions for Mary Lou, I’m sure she’d appreciate it.” “All right then,” said Mrs. Tennyson, “give me my change in onions.” Sam gave Mrs. Tennyson an additional three onions, and she fed them one at a time to Mary Lou. She laughed as the old donkey ate them out of her hand.

him, more than once. But I still had a business to oversee, and have you any notion how fatiguing it is to keep an eye on a small child every single moment of every single day? I’m tremendously sympathetic with the sort of diligent mother who turns her back for an eye blink—who leaves a child in the bath to answer the door and sign for a package, to scurry back only to discover that her little girl has hit her head on the faucet and drowned in two inches of water. Two inches. Does anyone ever give the woman credit for the twenty-four-hours-minus-three-minutes a day that she has watched that child like a hawk? For the months, the years’ worth of don’t-put-that-in-your-mouth-sweeties, of whoops!-we-almost-fell-downs? Oh, no. We prosecute these people, we call it “criminal parental negligence” and drag them to court through the snot and salty tears of their own grief. Because only the three minutes count, those three miserable minutes that were just enough.

Goldman Sachs itself—and so Goldman was in the position of selling bonds to its customers created by its own traders, so they might bet against them. Secondly, there was a crude, messy, slow, but acceptable substitute for Mike Burry’s credit default swaps: the actual cash bonds. According to a former Goldman derivatives trader, Goldman would buy the triple-A tranche of some CDO, pair it off with the credit default swaps AIG sold Goldman that insured the tranche (at a cost well below the yield on the tranche), declare the entire package risk-free, and hold it off its balance sheet. Of course, the whole thing wasn’t risk-free: If AIG went bust, the insurance was worthless, and Goldman could lose everything. Today Goldman Sachs is, to put it mildly, unhelpful when asked to explain exactly what it did, and this lack of transparency extends to its own shareholders. “If a team of forensic accountants went over Goldman’s books, they’d be shocked at just how good Goldman is at hiding things,

My feeling then was of forlornness, of the desperate inadequacies of this human linguistic apparatus that we employ to forestall, a little longer, aloneness, and of how futile these fumblings so often are. In the next lurch of solitude I began trying to add to the list of things not to say to someone in your marriage: Don’t ever use a pen while lying on the bed; don’t ever forget to put the cap back on a pen after using the pen; don’t ever use a pen if it’s new; put items in the refrigerator at ninety-degree angles; do not throw things in the bathroom trash if there are already a lot of things in the trash; don’t ever lie on the bed, made or unmade, in your clothes; don’t get into the bed without having showered; don’t put your bag on the bed, don’t put your bag on the chair, don’t put your bag on the counter, don’t put your bag on the table; don’t ever do the laundry; don’t bite your nails; don’t put the toilet paper facing out; don’t put the toilet paper facing in; don’t accelerate quickly; don’t wear those colors together, don’t wear those colors together, don’t wear a stripe and a plaid, don’t wear that shirt, that looks bad on you, that looks bad on you, and that looks bad on you, and that looks bad on you, and that looks bad on you too, are you sure you want to wear that, that looks bad on you; please stay out of the house one night a week, please stay out of the house a couple of nights a week so I can have some privacy; don’t put that there; don’t put that there; that plastic cup was given to me by my grandmother; don’t use my towel; don’t use my bathroom; you don’t understand your own family; you don’t understand your own role in your own family; you don’t understand what people think of you; you don’t understand other people; you don’t understand me, you don’t understand yourself; I need money for clothes, I need money for credit cards, I need money for school; don’t cut your meat on the plate, that sound is awful, cut your meat on the cutting board before putting it on your plate; don’t touch me. And when I was done

Credit arrangements of one kind or another have existed in all known human cultures, going back at least to ancient Sumer. The problem in previous eras was not that no one had the idea or knew how to use it. It was that people seldom wanted to extend much credit because they didn’t trust that the future would be better than the present. They generally believed that times past had been better than their own times and that the future would be worse, or at best much the same. To put that in economic terms, they believed that the total amount of wealth was limited, if not dwindling. People therefore considered it a bad bet to assume that they personally, or their kingdom, or the entire world, would be producing more wealth ten years down the line. Business looked like a zero-sum game. Of course, the profits of one particular bakery might rise, but only at the expense of the bakery next door. Venice might flourish, but only by impoverishing Genoa. The king of England might enrich himself, but only by robbing the king of France. You could cut the pie in many different ways, but it never got any bigger. That’s why many cultures concluded that making bundles of money was sinful.

Where are you from?" She asked without thinking. "I was born in the mountains." Runach said with a shrug. "The place doesn't matter." "Do you have siblings?" "Yes, several. Not all are still living. He smiled faintly. "You are full of questions this afternoon." "The library was a bad influence on me." Runach smiled briefly. "And I believe that was three questions you asked me, which leaves me with three of my own for you to answer." "That was two." "I don't count very well." "I think you count very well," she said grimly. He only smiled again. "I'll contemplate which answers I'll have and let you know." Aisling thought she just might be dreading them, but couldn't bring herself to say as much. "What was your home like?" she asked. "Another question." "You look distracted." He smiled and a dimple peeked out at her from his unscarred cheek. "You are more devious than I give you credit for being. I am keeping a tally, you know. I will expect a like number of answers from you." She stared at him for a moment or two. It was difficult not to, but he didnt seem to mind. "Why?" She asked finally. "Beacause you are a mystery." "And do you care for a mystery?" "I am obsessed by a good mystery," he said frankly. "More than enough to pry a few answers out of you, however I am able." "And what if I am not inclined to give them?" She asked, her mouth suddenly dry. "Then I will wonder about you silently." "In truth?" she asked, surprised. Runach smiled, looking just as surprised. "What else would I do? Beat the answers from you?" "I don't know." She said slowly. "I don't know what soldiers do." He shook his head. "Hedge all you like, if you like." "Your mother must have been a well-bred lady." She said, frowning. "Why do you say that?" "She seems to have taught you decent manners, for your being a mere soldier." "She tried," he agreed, looking out over the sea. Aisling turned and looked at him. "How long ago did you lose her?" Runach took a deep breath and dragged his hand through his hair, before he bowed his head and slid her a look. "That answer will cost you dearly." Her first instinct, as always, was to say nothing. But the truth was, she lived and breathed still. She could tell him perhaps a bit about herself, without bringing the curse down upon her head. Aisling took her own deep breath. "Very well." "My mother died twenty years ago, though I vow it feels like yesterday." "How did she die?" Runach was very still. "My father slew her and half my siblings. Time has done the rest of that terrible work I suppose. She shut her mouth, and put her hand on his arm. "I'm sorry." "I am too," he agreed. Runach shook his head, then reached for her hand to draw it through his arm. "Let's walk whilst you spew out the answers you owe me. You'll be more comfortable that way, I'm sure." "I'm not sure you should worry about my comfort" Aisling managed, "not after those questions." "But I do. And now that I have bared my soul, I think you should worry about my comfort and do the same.

There were three great comedians in my formative years—Bill Cosby, Bill Murray, and Richard Pryor—and they wrecked comedy for a generation. How? By never saying anything funny. You can quote a Steve Martin joke, or a Rodney Dangerfield line, but Pryor, Cosby, and Murray? The things they said were funny only when they said them. In Cosby’s case, it didn’t even need to be sentences: “The thing of the thing puts the milk in the toast, and ha, ha, ha!” It was gibberish and America loved it. The problem was that they inspired a generation of comedians who tried coasting on personality—they were all attitude and no jokes. It was also a time when comedy stars didn’t seem to care. Bill Murray made some lousy movies; Richard Pryor and Eddie Murphy made even more; and any script that was too lame for these guys, Chevy Chase made. These were smart people—they had to know how bad these films were, but they just grabbed a paycheck and did them. Most of these comic actors started as writers—they could have written their own scripts, but they rarely bothered. Then, at the end of a decade of lazy comedy and half-baked material, The Simpsons came along. We cared about jokes, and we worked endless hours to cram as many into a show as possible. I’m not sure we can take all the credit, but TV and movies started trying harder. Jokes were back. Shows like 30 Rock and Arrested Development demanded that you pay attention. These days, comedy stars like Seth Rogen, Amy Schumer, Kristen Wiig, Melissa McCarthy, and Jonah Hill actually write the comedies they star in.

So when they reached the checkout Will was excited and happy because they’d nearly won. And when his mother couldn’t find her purse, that was part of the game too, even when she said the enemies must have stolen it; but Will was getting tired by this time, and hungry too, and Mummy wasn’t so happy anymore. She was really frightened, and they went around and around putting things back on the shelves, but this time they had to be extra careful because the enemies were tracking them down by means of her credit card numbers, which they knew because they had her purse.… And Will got more and more frightened himself. He realized how clever his mother had been to make this real danger into a game so that he wouldn’t be alarmed, and how, now that he knew the truth, he had to pretend not to be frightened, so as to reassure her. So the little boy pretended it was a game still, so she didn’t have to worry that he was frightened, and they went home without any shopping, but safe from the enemies; and then Will found the purse on the hall table anyway. On Monday they went to the bank and closed her account, and opened another somewhere else, just to be sure. Thus the danger passed. But sometime during the next few months, Will realized slowly and unwillingly that those enemies of his mother’s were not in the world out there, but in her mind. That made them no less real, no less frightening and dangerous; it just meant he had to protect her even more carefully. And from the moment in the supermarket when he had realized he must pretend in order not to worry his mother, part of Will’s mind was always alert to her anxieties. He loved her so much he would have died to protect her.

Sorry,” said Ron, wrenching Harry back out of the brambles, “but the name’s been jinxed, Harry, that’s how they track people! Using his name breaks protective enchantments, it causes some kind of magical disturbance — it’s how they found us in Tottenham Court Road!” “Because we used his name?” “Exactly! You’ve got to give them credit, it makes sense. It was only people who were serious about standing up to him, like Dumbledore, who ever dared use it. Now they’ve put a Taboo on it, anyone who says it is trackable — quick-and-easy way to find Order members! They nearly got Kingsley —” “You’re kidding?” “Yeah, a bunch of Death Eaters cornered him, Bill said, but he fought his way out. He’s on the run now, just like us.” Ron scratched his chin thoughtfully with the end of his wand. “You don’t reckon Kingsley could have sent that doe?” “His Patronus is a lynx, we saw it at the wedding, remember?” “Oh yeah . . .” They moved farther along the hedge, away from the tent and Hermione. “Harry . . . you don’t reckon it could’ve been Dumbledore?” “Dumbledore what?” Ron looked a little embarrassed, but said in a low voice, “Dumbledore . . . the doe? I mean,” Ron was watching Harry out of the corners of his eyes, “he had the real sword last, didn’t he?” Harry did not laugh at Ron, because he understood too well the longing behind the question. The idea that Dumbledore had managed to come back to them, that he was watching over them, would have been inexpressibly comforting. He shook his head. “Dumbledore’s dead,” he said. “I saw it happen, I saw the body. He’s definitely gone. Anyway, his Patronus was a phoenix, not a doe.” “Patronuses can change, though, can’t they?” said Ron. “Tonks’s

Betsy didn’t want to be at the party any more than Cole did. She’d met the birthday girl in a spin class a couple of years earlier and had been declining her Evites ever since. In an effort to meet new people, however, this time Betsy replied “Yes.” She took a cab to the party, wondering why she was going at all. When Betsy met Cole there was a spark, but she was ambivalent. Cole was clearly smart and well educated, but he didn’t seem to be doing much about it. They had some nice dates, which seemed promising. Then, after sleeping over one night and watching Cole wake up at eleven a.m. and grab his skateboard, Betsy felt less bullish. She didn’t want to help another boyfriend grow up. What Betsy didn’t know was that, ever since he’d started spending time with her, Cole had regained some of his old drive. He saw the way she wanted to work on her sculptures even on the weekend, how she and her friends loved to get together to talk about their projects and their plans. As a result, Cole started to think more aspirationally. He eyed a posting for a good tech job at a high-profile start-up, but he felt his résumé was now too shabby to apply. As luck would have it—and it is often luck—Cole remembered that an old friend from high school, someone he bumped into about once every year or two, worked at the start-up. He got in touch, and this friend put in a good word to HR. After a handful of interviews with different people in the company, Cole was offered the position. The hiring manager told Cole he had been chosen for three reasons: His engineering degree suggested he knew how to work hard on technical projects, his personality seemed like a good fit for the team, and the twentysomething who vouched for him was well liked in the company. The rest, the manager said, Cole could learn on the job. This one break radically altered Cole’s career path. He learned software development at a dot-com on the leading edge. A few years later, he moved over and up as a director of development at another start-up because, by then, the identity capital he’d gained could speak for itself. Nearly ten years later, Cole and Betsy are married. She runs a gallery co-op. He’s a CIO. They have a happy life and gladly give much of the credit to Cole’s friend from high school and to the woman with the Evites.

Energy is the basis of creating electricity that we can utilize, so how can we harness the power of an earthquake? Obviously, today, if that much energy were being drawn from the Earth through the Great Pyramid, tourists would not be parading through it every day. In order for the system to work, the pyramid would need to be mechanically coupled with the Earth and vibrating in sympathy with it. To do this, the system would need to be "primed"—we would need to initiate oscillation of the pyramid before we could tap into the Earth's oscillations. After the initial priming pulse, though, the pyramid would be coupled with the Earth and could draw off its energy. In effect, the Great Pyramid would feed into the Earth a little energy and receive an enormous amount out of it in return. How do we cause a mass of stone that weighs 5,273,834 tons to oscillate? It would seem an impossible task. Yet there was a man in recent history who claimed he could do just that! Nikola Tesla, a physicist and inventor with more than six hundred patents to his credit—one of them being the AC generator—created a device he called an "earthquake machine." By applying vibration at the resonant frequency of a building, he claimed he could shake the building apart. In fact, it is reported that he had to turn his machine off before the building he was testing it in came down around him. [...] The New York World-Telegram reported Tesla's comments from a news briefing at the hotel New Yorker on July 11, 1935: 'I was experimenting with vibrations. I had one of my machines going and I wanted to see if I could get it in tune with the vibration of the building. I put it up notch after notch. There was a peculiar cracking sound. I asked my assistants where did the sound come from. They did not know. I put the machine up a few more notches. There was a louder cracking sound. I knew I was approaching the vibration of the steel building. I pushed the machine a little higher. Suddenly, all the heavy machinery in the place was flying around. I grabbed a hammer and broke the machine. The building would have been about our ears in another few minutes. Outside in the street there was pandemonium. The police and ambulances arrived. I told my assistants to say nothing. We told the police it must have been an earthquake. That's all they ever knew about it.

What is involved in appearing to court me?” He quirked an eyebrow at her. “You haven’t been courted before? What about the climbing cits and baronets’ sons? They never came up to scratch?” “Many of them did.” She wondered what he’d look like if somebody were to shave off those piratical eyebrows. “They did not bother much with the other part of the business.” “The wooing?” “The nonsense.” “We need the nonsense,” he said. “We need to drive out at the fashionable hour; we need to be seen arm in arm at the social events. I need to call upon you at the proper times with flowers in hand, to spend time with your menfolk when I creditably can. I’ll carry your purchases when you go shopping and be heard begging you to save your waltzes for me.” “There’s a problem,” she said, curiously disappointed to see the flaw in his clever scheme. He was a wonderful dancer; that was just plain fact. And she loved flowers, and loved the greenery and fresh air of Hyde Park. She also liked to shop but generally contented herself with the occasional minor outing with her sisters. And to hear him begging for her waltzes… “What sort of problem can there possibly be? Couples are expected to court in spring. It’s the whole purpose behind the Season.” “If you court me like that, Their Graces will get wind of it. They very likely already know you’ve called on me.” “And this is a problem how?” He wasn’t a patient man, or one apparently plagued with meddlesome parents. “They will start, Mr. Hazlit. They will get their hopes up. They will sigh and hint and quiz my siblings, all in hopes that you will take me off their hands.” “Then they will be disappointed. Parents expect to be disappointed. My sister was a governess, and she has explained this to me.” He looked like he was winding up for a lecture before the Royal Society, so she put a hand on his arm. “I do not like to disappoint Their Graces,” she said quietly. “They have suffered much at the hands of their children.” He blinked at her, his lips pursing as if her sentiments were incomprehensible. “I won’t declare for you,” he said. “If they let their hopes be raised by a few silly gestures, then that is their problem. You have many siblings. Let them fret over the others.” “It isn’t like that.” She cocked her head to study him. Hadn’t he had any parents at all? “I could have seventeen siblings, and Their Graces would still worry about me. You mentioned having sisters. Do you worry less about the one than the other?” “I do not.” He didn’t seem at all pleased with this example. “I worry about them both, incessantly. Excessively, to hear them tell it, but they have no regard for my feelings, else they’d write more than just chatty little…” “Yes?” “Never mind.” Some

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).

One can take the ape out of the jungle, but not the jungle out of the ape. This also applies to us, bipedal apes. Ever since our ancestors swung from tree to tree, life in small groups has been an obsession of ours. We can’t get enough of politicians thumping their chests on television, soap opera stars who swing from tryst to tryst, and reality shows about who’s in and who’s out. It would be easy to make fun of all this primate behavior if not for the fact that our fellow simians take the pursuit of power and sex just as seriously as we do. We share more with them than power and sex, though. Fellow-feeling and empathy are equally important, but they’re rarely mentioned as part of our biological heritage. We would much rather blame nature for what we don’t like in ourselves than credit it for what we do like. As Katharine Hepburn famously put it in The African Queen, ”Nature, Mr. Allnut, is what we are put in this world to rise above.” This opinion is still very much with us. Of the millions of pages written over the centuries about human nature, none are as bleak as those of the last three decades, and none as wrong. We hear that we have selfish genes, that human goodness is a sham, and that we act morally only to impress others. But if all that people care about is their own good, why does a day-old baby cry when it hears another baby cry? This is how empathy starts. Not very sophisticated perhaps, but we can be sure that a newborn doesn’t try to impress. We are born with impulses that draw us to others and that later in life make us care about them. The possibility that empathy is part of our primate heritage ought to make us happy, but we’re not in the habit of embracing our nature. When people commit genocide, we call them ”animals”. But when they give to the poor, we praise them for being ”humane”. We like to claim the latter behavior for ourselves. It wasn’t until an ape saved a member of our own species that there was a public awakening to the possibility of nonhuman humaneness. This happened on August 16, 1996, when an eight-year-old female gorilla named Binti Jua helped a three-year-old boy who had fallen eighteen feet into the primate exhibit at Chicago’s Brookfield Zoo. Reacting immediately, Binti scooped up the boy and carried him to safety. She sat down on a log in a stream, cradling the boy in her lap, giving him a few gentle back pats before taking him to the waiting zoo staff. This simple act of sympathy, captured on video and shown around the world, touched many hearts, and Binti was hailed as a heroine. It was the first time in U.S. history that an ape figured in the speeches of leading politicians, who held her up as a model of compassion. That Binti’s behavior caused such surprise among humans says a lot about the way animals are depicted in the media. She really did nothing unusual, or at least nothing an ape wouldn’t do for any juvenile of her own species. While recent nature documentaries focus on ferocious beasts (or the macho men who wrestle them to the ground), I think it’s vital to convey the true breadth and depth of our connection with nature. This book explores the fascinating and frightening parallels between primate behavior and our own, with equal regard for the good, the bad, and the ugly.

Sometimes we think we are not capable of doing certain things. I hear comments from my students such as, “My brain isn’t wired to do math,” or “I am not good at math.” It is true that there are people who are better at math than you, but that does not mean you can’t do it. This just means you need to put in more effort than others do. Focusing on our weaknesses may hinder our progress. We may think that we must be born with certain skills and abilities; they must be in our genes. This is not the case. Do you think Nephi could build a ship? Could the brother of Jared have caused light to come into dark barges? Do you think Noah could have built an ark that would hold two of every animal species on the earth? Do you think Moses had the power to part a sea? Actually, no. None of these men had the power to do any of these things. However, they all had something in common. They all knew how to tap into the power of someone who could—the Savior’s power. It is so important that we learn how to tap into that power. The Atonement literally means “at-one-ment,” or becoming one with God. The Savior gave us the power to become gods. He enabled us so we would be able to perform miracles through Him. But we must understand that this kind of power is not free. There is only one thing that the Savior, through His Atonement, gave us for free and that is the power to overcome death. Everything else that He offers must come “after all we can do.” [2] For example, Jesus Christ promises us eternal life, but only after we have faith in Him, obey His commandments, and endure to the end. Similarly, He gives us power to move mountains, but only after doing all we can and having trust in Him. The power to change our lives, change the world, and perform miracles is within each of us. However, we need to have enough humility to realize that, in the end, we are not the ones performing the miracles—He is. Occasionally, I have a student who does not do their homework, rarely comes to class, and then comes at the end of the semester and asks, “Sister Qumsiyeh, is there anything I can do to pass? Do you offer any extra credit?” I know some of you are smiling right now because you know you have done this to your teachers. This is what I wish I could say to the student who asks that question: “You need to invent a time machine and go back and do what you should have done this semester. You failed because you did not try your best. It is too late.” Do we all really hope to stand before the Savior at the Judgement Day and expect Him to save us without us doing our part? Do we really expect Him to allow us into the celestial kingdom and to just save us? No, that is not how the Atonement works. It does not work without us having tried our best. Of course, our best may not be enough. In fact, it hardly ever is. But if we do our best and have faith in Him, He magnifies our efforts. The brother of Jared could not make the 16 stones shine, but he spent hours preparing them and then humbly took them to the Lord and basically said, “Here is my small effort; magnify it.” This the Lord did. [3] Elder David A. Bednar said, “The power of the Atonement makes repentance possible and quells the despair caused by sin; it also strengthens us to see, do, and become good in ways that we could never recognize or accomplish with our limited mortal capacity.

So his armorbearer said to [Jonathan], “Do all that is in your heart. Go then; here I am with you, according to your heart.” 1 SAMUEL 14:7 Five simple monosyllables—“here I am with you”—but they helped make the difference between success and failure. Jonathan had already won a battle, for which his father, King Saul, took the credit (1 Sam. 13:1–4), but he didn’t care who got the credit so long as God received the glory and Israel was protected. As God’s people, we have always been in conflict with the enemies of the Lord and we have always been outnumbered. There were three kinds of Israelites on the battlefield that day, just as there are three kinds of “Christian soldiers” in the church today. There are those who do nothing. King Saul was sitting under a tree, surrounded by six hundred soldiers, wondering what to do next. Leaders are supposed to use their offices and not just fill them (1 Tim. 3:13). God had given Saul position and authority but he seemed to have no vision, power, or strategy. He was watching things happen instead of making things happen, and spectators don’t make much progress in life. Along with Saul and his small army were a number of Israelites who had fled the battlefield and hidden themselves, and some had even surrendered to the enemy! When Jonathan and his armorbearer started defeating the Philistines and the Lord shook the enemy camp, these quitters came out into the open and joined in the battle. Do you know any Christians like that? Are you one of them? There are those who fear nothing. Jonathan had already won a battle against the Philistines and was a man of faith who was certain that the God of Israel would give his people victory. Perhaps he was leaning on God’s promises in Leviticus 26:7–8, “You will chase your enemies, and they shall fall by the sword before you. Five of you shall chase a hundred, and a hundred of you shall put ten thousand to flight.” He assured his armorbearer that “nothing restrains the LORD from saving by many or by few” (1 Sam. 14:6). Jonathan expected God to give him a sign that his strategy was right, and God did just that (vv. 9–14). God also caused an earthquake in the enemy camp that made the Philistines panic, and they began to attack each other; and the enemy army began to melt away (v. 16). There are those who hold back nothing. Jonathan’s armorbearer is mentioned nine times in this narrative but his name is never revealed. Like many people in Scripture, he did his job well but must remain anonymous until he is rewarded in heaven. Think of the lad who gave his lunch to Jesus and he fed five thousand people (John 6:8–11), or the Jewish girl who sent Naaman to Elisha to be healed of his leprosy (2 Kings 5:1–4), or Paul’s nephew whose fast action saved Paul’s life (Acts 23:16–22). The armorbearer encouraged Jonathan and promised to stand by him. All leaders, no matter how successful, need others at their side who can help expedite their plans. Aaron and Hur held up Moses’s hands as he prayed for Joshua and the Jewish army in battle (Exod. 17:8–16), and Jesus asked Peter, James, and John to watch with him as he prayed in the garden (Matt. 26:36–46). Blessed are those leaders who have dependable associates whose hearts are one with theirs and who hold back nothing but devotedly say, “I am with you.” Jesus says that to us and he will help us to say it to others. I am with you always, even to the end of the age. Matthew 28:20

Luna left, too, with a cheery, “Thanks for the morning entertainment. That provided a better jolt than a cup of espresso.” Then it was just Arabella, her brother, and the really, really big man, who had just turned his gaze on her. Given his threats and violent solution, Arabella should have been quaking. At the very least staring at her toes lest she incur his wrath. But the gentlest blue eyes caught hers, and his tone was soft and soothing when he addressed her. “You must be Arabella. I’m Leo, the pride’s omega.” “More like enforcer,” Jeoff muttered, still rubbing his head. “If you behave, then I don’t have to resort to my methods.” “He started it,” Jeoff accused, pointing at finger at Hayder, who emerged from the bedroom clad in low-hipped jeans that hugged his corded thighs and a soft T-shirt that clung to his chest. “Hey, it’s not my fault you jumped to the wrong conclusion when I answered the door.” “What else was I to think? You’re in my sister’s condo wearing only a rag.” “Protecting her.” “The same way you protected her last night when you took her out and flaunted her?” “I took her to dinner.” “What the hell do you mean you took her out to dinner? You put my baby sister in danger.” “She wasn’t in danger.” “They snatched her off the street!” “And I got her back.” The men glared at each, toe-to-toe, bodies bristling. Leo, who’d seated himself on a stool by the kitchen island, cleared his throat. “Don’t make me get off this stool.” The tension remained, but the impending violence moved down a few notches. Seeming satisfied, Leo turned to her. “Coffee?” He addressed that to Arabella, holding out a cup he’d brewed from the machine on the counter. With a wary look at both Hayder and her brother, she went toward him but then almost scalded herself when Hayder barked, “Baby, where are your pants?” Oh yeah. She peeked down at her bare legs. To his credit, Leo didn’t, but he did smile. “How about I add some sugar and milk to this while you find some pants? You look like you need something sweet.” She couldn’t help but return his smile. “Yes, please.” Still ignoring the other two men, she stepped past them to the bedroom, where she scrounged in a drawer for pants. As she dressed, she listened to the arguing. “She’s leaving with me.” Her brother hadn’t relented. Neither did Hayder. “Wrong. Arabella isn’t going anywhere.” Ouch. She knew her brother wouldn’t like that. She was right. “Excuse me? You don’t get a say. She’s my sister, my responsibility. I’m taking her.” Arabella stepped back into the living room. “What of the danger though, Jeoff? The pack is in town, and they’re looking for me.” “We’ll figure something out.” “We already have. She’ll stay here with me where she’s safe.” Hayder crossed his arms over his impressive chest, looking much too determined— and sexy. A certain brother wasn’t impressed. “As safe as she was last night?” Hayder rolled his eyes. “Oh please. What part of ‘we had the situation under control’ can you not grasp? Leo, tell the wolf that Arabella was never in any danger.” “I don’t lie to my friends,” Leo said as he re-handed Arabella her coffee. She took a sip of the hot brew and sighed as she listened to the arguing. When Leo patted the stool beside him, she hopped on. For such a big man, he offered a strangely calming effect. On her at least. Hayder and Jeoff, on the other hand, just couldn’t stem their tirade. “I was wrong to stick her here. So you can forget I asked.” “Too late. She’s part of the pride now.” “She’s a wolf, or have you forgotten? She belongs with her own kind.” Jeoff crooked his finger at her and inclined his head to the door. Arabella didn’t move, more because Hayder’s next words froze her. “She belongs with me. Arabella is my mate.

She groaned again as a knock sounded at the door, and she stumbled over to answer it. “Roo said you’d forget,” Etienne greeted her. “I didn’t forget.” Conscious of her thin nightgown, Miranda stepped behind the door. “And Roo said even if you didn’t forget, you still wouldn’t be there on time.” His hair was damp, as though he’d just washed it. His black jeans fit casually over his narrow hips, and his black T-shirt had BOUCHER SWAMP TOURS stamped across the front in faded red letters. “You should be feeling proud of yourself,” he added offhandedly. “So far she hasn’t told me one word about boiling you in oil. Not many people can pass the Roo test.” “Is that supposed to thrill me?” “It thrills me. You sure don’t want Roo putting a gris-gris on you. Very bad luck, cher.” “I have to get dressed,” Miranda grumbled. “I’ll wait.” “I don’t need you to wait for me.” “You might get lost.” “It’s only a fifteen-minute walk to the inn, right? How lost could I get?” She felt his eyes rake over her. She doubted if those eyes ever missed much. “Bad night?” he asked her. Miranda hesitated. Was he trying to be funny? Self-righteous? But the expression on his face wasn’t joking or smug, and she didn’t feel like answering any questions right now. “I’ll be out in a minute.” “Your grand-père? Miss Teeta says he’s better,” Etienne said. “Just in case you were wondering.” “Great. Maybe today he’ll do something else for the whole town to talk about.” “The town, it won’t talk if it doesn’t know.” Etienne’s voice hardened. “I don’t think you give your friends enough credit.” “What friends?” But she shut the door before he had a chance to respond.

Chapter 3 What to Do with Money as You Save It Chapters 1 and 2 should have helped you understand the theory behind frugality and develop a practical plan to live on less than half your take-home pay; all in the context of building up your first $25,000. After reading those two chapters, you should understand what you need to do to put yourself in position to save thousands of dollars per month on a middle class income. Now, it’s time to deploy those savings in such a way as to develop your first year of financial runway. Your goal is stockpile a reserve capable of funding your frugal lifestyle for around a full year. Unlike many Americans who struggle to make ends meet, you now face a new problem. A good problem. You now have to decide how to deploy your rapidly expanding savings so that they extend your financial runway as much as possible. There are three initial steps that should be completed, in order, for the seeker of early financial freedom to build up that one-year stockpile. These three steps are (1) to build up an emergency fund of $1000 to $2000; (2) to pay off all “bad debts” (we define this term below) and build strong credit; and then (3) to build up one year of financial runway in the form of cash or equivalents By completing these three steps, readers will set themselves up for the next phase of wealth generation, discussed in part II. They will have the cash and credit they need to buy a home with ease, and will have the financial runway they need to pursue career opportunities with little risk of financial ruin. Central to the discussion in this chapter will be the concepts of debt—both good and bad debt—and credit. We must pay off our bad debts immediately, and treat them as a financial crisis. Good debts can still delay financial freedom, but may not need to be paid off early if money can be put to higher and better use in the meantime. While paying off bad debts and managing other debts, readers will want to focus on improving their credit scores as much as possible, and increase their access to credit.

Economics is a notoriously complicated subject. To make things easier, let’s imagine a simple example. Samuel Greedy, a shrewd financier, founds a bank in El Dorado, California. A. A. Stone, an up-and-coming contractor in El Dorado, finishes his first big job, receiving payment in cash to the tune of $1 million. He deposits this sum in Mr Greedy’s bank. The bank now has $1 million in capital. In the meantime, Jane McDoughnut, an experienced but impecunious El Dorado chef, thinks she sees a business opportunity – there’s no really good bakery in her part of town. But she doesn’t have enough money of her own to buy a proper facility complete with industrial ovens, sinks, knives and pots. She goes to the bank, presents her business plan to Greedy, and persuades him that it’s a worthwhile investment. He issues her a $1 million loan, by crediting her account in the bank with that sum. McDoughnut now hires Stone, the contractor, to build and furnish her bakery. His price is $1,000,000. When she pays him, with a cheque drawn on her account, Stone deposits it in his account in the Greedy bank. So how much money does Stone have in his bank account? Right, $2 million. How much money, cash, is actually located in the bank’s safe? Yes, $1 million. It doesn’t stop there. As contractors are wont to do, two months into the job Stone informs McDoughnut that, due to unforeseen problems and expenses, the bill for constructing the bakery will actually be $2 million. Mrs McDoughnut is not pleased, but she can hardly stop the job in the middle. So she pays another visit to the bank, convinces Mr Greedy to give her an additional loan, and he puts another $1 million in her account. She transfers the money to the contractor’s account. How much money does Stone have in his account now? He’s got $3 million. But how much money is actually sitting in the bank? Still just $1 million. In fact, the same $1 million that’s been in the bank all along. Current US banking law permits the bank to repeat this exercise seven more times. The contractor would eventually have $10 million in his account, even though the bank still has but $1 million in its vaults. Banks are allowed to loan $10 for every dollar they actually possess, which means that 90 per cent of all the money in our bank accounts is not covered by actual coins and notes.2 If all of the account holders at Barclays Bank suddenly demand their money, Barclays will promptly collapse (unless the government steps in to save it). The same is true of Lloyds, Deutsche Bank, Citibank, and all other banks in the world. It sounds like a giant Ponzi scheme, doesn’t it? But if it’s a fraud, then the entire modern economy is a fraud. The fact is, it’s not a deception, but rather a tribute to the amazing abilities of the human imagination. What enables banks – and the entire economy – to survive and flourish is our trust in the future. This trust is the sole backing for most of the money in the world.

Credit” is the third-person singular conjugation of the present tense of the Latin verb credere, “to believe.” It’s the most exceptional and interesting thing in the financial world. Similar leaps of belief underlie every human transaction in life: Your wife might cheat on you, but you hope otherwise. The online store you paid may not ship you your goods, but you trust otherwise. Credit derivatives are just the explicit encapsulations of such beliefs, in financial and contractual form, for corporate entities. Unlike other financial securities, such as shares of IBM stock or oil futures, a credit derivative is not even some theoretical value of a tangible good. It’s the perceived value of a complete intangible, the perception of the probability of meeting some future obligation. People often asked me in the early days of my tech career how I had gone from Wall Street to ads technology. Such a person almost certainly knew nothing about either industry, or the answer would have been obvious. I did the same thing the whole time: putting a price on a human’s perception, be it of a General Motors bond or a pair of shoes coveted on Zappos. It’s the same difference either way; only the scale of the money pile changes.

Maury and I spent more than one month in Pakistan, talking with AID personnel and their Pakistani counterparts and learning about the conduct of the projects over the six-year period. Most importantly, we focused on the dialogue between senior U.S. embassy and mission personnel and those in the Pakistani government responsible for economic policy formulation. One day, he and I were asked to attend a “brown bag luncheon” with the senior mission staff. The idea was to be totally informal, put our feet on the desks and just chat about our impressions. Everyone was eager to learn what Maury thought about the program. Three important things emerged for me out of that discussion. 1. The mission director explained that he had held some very successful consultations and brainstorming sessions with senior Pakistani government leaders. He said the Pakistanis were open to his ideas for needed reform, listened carefully and took extensive notes during these meetings. Although there had been little concrete action to implement these recommendations to date, he was confident they were seriously considering them. Maury smiled and responded, “Yeah. They used to jerk me around the same way when I was in your position. The Paks are masters at that game. They know how to make you feel good. I doubt that they are serious. This is a government of inaction.” The mission director was crestfallen. 2. Then the program officer asked what Maury thought about the mix of projects that had been selected by the government of Pakistan and the mission for inclusion in the program for funding. Maury responded that the projects selected were “old friends” of his. He too, had focused on the same areas i.e. agriculture, health, and power generation and supply. That said, the development problems had not gone away. He gave the new program credit for identifying the same obstacles to economic development that had existed twenty years earlier. 3. Finally, the mission director asked Maury for his impressions of any major changes he sensed had occurred in Pakistan since his departure. Maury thought about that for a while. Then he offered perhaps the most prescient observation of the entire review. He said, when he served in Pakistan in the 1960s, he had found that the educated Pakistani visualized himself and his society as being an important part of the South-Asian subcontinent. “Today” he said, “after having lost East Pakistan, they seem to perceive themselves as being the eastern anchor of the Middle-East.” One wonders whether the Indian government understands this significant shift in its neighbor’s outlook and how important it is to work to reverse that world view among the Pakistanis for India’s own security andwell-being.

Maury and I spent more than one month in Pakistan, talking with AID personnel and their Pakistani counterparts and learning about the conduct of the projects over the six-year period. Most importantly, we focused on the dialogue between senior U.S. embassy and mission personnel and those in the Pakistani government responsible for economic policy formulation. One day, he and I were asked to attend a “brown bag luncheon” with the senior mission staff. The idea was to be totally informal, put our feet on the desks and just chat about our impressions. Everyone was eager to learn what Maury thought about the program. Three important things emerged for me out of that discussion. 1. The mission director explained that he had held some very successful consultations and brainstorming sessions with senior Pakistani government leaders. He said the Pakistanis were open to his ideas for needed reform, listened carefully and took extensive notes during these meetings. Although there had been little concrete action to implement these recommendations to date, he was confident they were seriously considering them. Maury smiled and responded, “Yeah. They used to jerk me around the same way when I was in your position. The Paks are masters at that game. They know how to make you feel good. I doubt that they are serious. This is a government of inaction.” The mission director was crestfallen. 2. Then the program officer asked what Maury thought about the mix of projects that had been selected by the government of Pakistan and the mission for inclusion in the program for funding. Maury responded that the projects selected were “old friends” of his. He too, had focused on the same areas i.e. agriculture, health, and power generation and supply. That said, the development problems had not gone away. He gave the new program credit for identifying the same obstacles to economic development that had existed twenty years earlier. 3. Finally, the mission director asked Maury for his impressions of any major changes he sensed had occurred in Pakistan since his departure. Maury thought about that for a while. Then he offered perhaps the most prescient observation of the entire review. He said, when he served in Pakistan in the 1960s, he had found that the educated Pakistani visualized himself and his society as being an important part of the South-Asian subcontinent. “Today” he said, “after having lost East Pakistan, they seem to perceive themselves as being the eastern anchor of the Middle-East.” One wonders whether the Indian government understands this significant shift in its neighbor’s outlook and how important it is to work to reverse that world view among the Pakistanis for India’s own security andwell-being.

I love the way David put it in Psalm 23, verse 5: “You prepare a table before me in the presence of my enemies” (NKJV). God will not only avenge you and make your wrongs right, but He will also bless you in front of your enemies. He could promote you anywhere, but He’ll promote you in front of those trying to make you look bad. He’ll give you favor, honor, and recognition. One day those who stabbed you in the back will watch you receive the credit you deserve. Knowing that God prepares the table for us in the presence of our enemies keeps me from being discouraged when people talk unfavorably of me. You see, I know God just sent the angels to the grocery store. If somebody lies about you, no big deal. You can see Gabriel setting the table. Your critics can see the meal on God’s table, but they aren’t invited to the party. They’ll have to watch you enjoy what God has prepared for you. They will watch as you are promoted. Be ready. If you’ve done the right thing and overlooked offenses and negative words and blessed your enemies, then know God’s table is set. Your dinner is ready. It’s just a matter of time before you’re seated at the table. Your enemies may try to spoil the party by stealing your joy. They’ll plant doubts, but shake them off. The dinner bell will ring for you at any moment. Those hindering you, trying to bring you down, will see you stepping to a new level. They will see God’s favor and goodness enter your life in a greater way.

If you are worried that no one has sent you nice notes, given you credit, or offered a compliment that you can put in an Encouragement File, I have a solution. Write yourself some nice letters. Write down what you like about yourself. List your strengths. List your accomplishments. List some of the good things you’ve done for others. When nobody else celebrates you, learn to celebrate yourself. When nobody else compliments you, compliment yourself. It’s not up to other people to keep you encouraged. It’s up to you. It should come from the inside. This is what God did. He praised Himself. We’re told in the book of Genesis that God created the waters and He said, “That was good.” He created the sky and He said, “That was good.” He created the fish and the animals and He stepped back and said, “That was good." He created you and me and said, “That was really good.” I love the fact that God praised Himself. Most of the time we are so critical of ourselves, and so focused on what we’ve done wrong, we never even think about complimenting ourselves.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

Another example of educational hype is in some ways the second coming of the growth mindset concept: ‘grit’. This is the idea, promoted by the psychologist Angela Duckworth, that the ability to stick to a task you’re passionate about, and not give up even when life puts obstacles in your path, is key to life success, and far more important than innate talent. The appetite for her message was immense: at the time of this writing, her TED talk on the subject has received 25.5 million views (19.5m on the TED website and a further 6m on YouTube; Angela Lee Duckworth, ‘Grit: The Power of Passion and Perseverance’, presented at TED Talks Education, April 2013), and her subsequent book, Grit: The Power of Passion and Perseverance, became a New York Times bestseller and continues to sell steadily. Like mindset, grit has become part of the philosophy of many schools, including KIPP (Knowledge is Power Program) schools, the biggest charter school group in the US, which teaches almost 90,000 students. To her credit, Duckworth has been concerned about how overhyped her results have become. She told an NPR interviewer in 2015 that ‘the enthusiasm is getting ahead of the science’ (Anya Kamenetz, ‘A Key Researcher Says “Grit” Isn’t Ready For High-Stakes Measures’, NPR, 13 May 2015). A wise statement, given that the meta-analytic evidence for the impact of grit (or interventions trying to teach it) is extremely weak. See Credé et al., ‘Much Ado about Grit: A Meta-Analytic Synthesis of the Grit Literature’, Journal of Personality and Social Psychology 113, no. 3 (Sept. 2017): pp. 492–511. And Marcus Credé, ‘What Shall We Do About Grit? A Critical Review of What We Know and What We Don’t Know’, Educational Researcher 47, no. 9 (Dec. 2018): pp. 606–11.

As Karen returned from the restroom, the gate agent explained the order of boarding: People with disabilities or in wheelchairs, people over the age of 100, people who act like they’re over the age of 100, families with children (children are two-year olds and younger, not fifteen-year olds), in-uniform military personnel, first class, business class, platinum frequent flyer members, gold members, silver members, bronze members, associate members, people who just applied for the airline’s credit card five minutes ago, group 1, groups 2 through 10 in that order, and finally, anyone too clueless to figure out how to get into one of the groups already called. We had “group 8” boarding passes. We felt smug as we pushed our way past the five remaining passengers who were lower on the boarding list than us. I don’t like being trapped in a small place, such as an airplane, with a large cross-section of humanity. I think airlines should announce before every flight, “Listen up people. We’re all sealed in here together for the next four hours, so try not to be annoying until the flight is over. Once you exit the plane, then you can whistle, hum, fart, snore, talk baby talk, take your shoes off and put on as much bad perfume as you want.” I think this would make air travel more bearable. We arrived in El Paso with enough time to pick up the rental car, have dinner (at Carlos and Mickey’s) and buy groceries for the week: peanut butter, jelly, bread, water, blue corn chips, peppermint patties, animal crackers and beer.

I had so much—an education, a healthy sense of self, a deep arsenal of ambition—and I was wise enough to credit my mother, in particular, with instilling it in me. She’d taught me how to read before I started kindergarten, helping me sound out words as I sat curled like a kitten in her lap, studying a library copy of Dick and Jane. She’d cooked for us with care, putting broccoli and Brussels sprouts on our plates and requiring that we eat them. She’d hand sewn my prom dress, for God’s sake. The point was, she’d given diligently and she’d given everything. She’d let our family define her. I was old enough now to realize that all the hours she gave to me and Craig were hours she didn’t spend on herself.

"For crushing your foot, please let me buy your drink." "That's not necessary, I'm buying for me and my friends." She pointed to a nearby table where three women laughed. "All the more reason for me to insist. Then you and your friends can talk about what a gentleman I am." "How can I refuse? Four hot chocolates, please." "Put it on my tab, Mr. Yu." Mr. Yu smiled at him. "Sure, Jack." The Julemarked residents didn't keep track of such things, but Jack was happy to take the credit. "Your tab?" the woman asked. "You work here?" "In the bakery, with my brothers." Jack pointed to Kringle All the Way. "You should stop in when you're ready for something sweet." "Brothers in a bakery? That's a romance series waiting to happen. I wouldn't be able to keep those books on the shelf." "Do you work in a bookstore?" "Better. I'm a librarian."

In my experience, triggers are the prime reason that men and women end up retreating to gender silos, narrowing their experience and depriving themselves of useful connections. That’s what happened when Jen enlisted Chantal to commiserate with her after the meeting in which Mark received credit for her idea. Sharing her resentment with a female colleague may have temporarily relieved the emotional distress Jen felt at being disregarded. But venting her feelings only reinforced the story she was telling herself to explain what had happened: “Men just can’t listen to women!” This increased the likelihood of her remaining stuck in a negative groove. It’s the stories we tell ourselves when we feel triggered that keep us dug in and limit our ability to frame an effective response. Here’s how the process works: First, the trigger kicks off an emotional reaction that blindsides us. We feel a rush of adrenaline, a sinking in the pit of our stomach, a recoil, a blinding rage, or a snide “of course.” Or we may simply feel confusion. Our immediate impulse may be to lash out. But if we’re in a work situation, we fear what this could cost us, so we try to suppress our feelings and move on. When this doesn’t succeed, we may grab the first opportunity to complain to a sympathetic colleague, which is why so much time at work gets consumed in gripe sessions and unproductive gossip. In this way, our response to triggers plays a role in shaping toxic cultures that set us against one another, justify sniping, and waste everybody’s time. But whether we suffer in silence or indulge the urge to vent, the one thing we almost always do when triggered is try to put what happened in some kind of context. This is where storytelling enters the picture. We craft a narrative based on past experience or perceptions in a way that assigns blame, exonerates us, and magnifies impact. Because these stories make us feel better, we may not stop to question whether they are either accurate or useful. Yet the truth is that our go-to stories rarely serve us well. They are especially damaging when they operate across divides: gender, of course (“Men can’t, women just refuse”), but also race, ethnicity, sexual orientation, and age (“They always, they seem incapable of…”). Because these default stories rely on generalizations and stereotypes, they reinforce any biases we may have. This makes it difficult for us to see others in their particularity; instead, they appear to us as members of a group. In addition, because our go-to stories usually emphasize our own innocence (“I had no idea!” “I never guessed he would…”), they often reinforce our feelings of being aggrieved or victimized—an increasing hazard for men as well as women. Since we can’t control other people, our best path is to acknowledge the emotional and mental impact a trigger has on us. This necessary first step can then enable us to choose a response that enhances our dignity and serves our interests.

The country will starve, not next year, but this winter, unless a few of us act and act fast. There are no grain reserves left anywhere. With Nebraska gone, Oklahoma wrecked, North Dakota abandoned, Kansas barely subsisting—there isn’t going to be any wheat this winter, not for the city of New York nor for any Eastern city. Minnesota is our last granary. They’ve had two bad years in succession, but they have a bumper crop this fall—and they have to be able to harvest it. Have you had a chance to take a look at the condition of the farm-equipment industry? They’re not big enough, any of them, to keep a staff of efficient gangsters in Washington or to pay percentages to pull-peddlers. So they haven’t been getting many allocations of materials. Two-thirds of them have shut down and the rest are about to. And farms are perishing all over the country—for lack of tools. You should have seen those farmers in Minnesota. They’ve been spending more time fixing old tractors that can’t be fixed than plowing their fields. I don’t know how they managed to survive till last spring. I don’t know how they managed to plant their wheat. But they did. They did.” There was a look of intensity on his face, as if he were contemplating a rare, forgotten sight: a vision of men—and she knew what motive was still holding him to his job. “Dagny, they had to have tools for their harvest. I’ve been selling all the Metal I could steal out of my own mills to the manufacturers of farm equipment. On credit. They’ve been sending the equipment to Minnesota as fast as they could put it out. Selling it in the same way—illegally and on credit. But they will be paid, this fall, and so will I. Charity, hell! We’re helping producers—and what tenacious producers!—not lousy, mooching ‘consumers.’ We’re giving loans, not alms. We’re supporting ability, not need. I’ll be damned if I’ll stand by and let those men be destroyed while the pull-peddlers grow rich!

Give me some credit, I text back. If I murder him, I won’t do it today. I’ll wait until we’re hiking in some backwoods location. No bail money necessary if I’m not caught, right?" "You’re so smart. Glad to see you putting that shiny new bachelor’s degree to good use.

I can show you where to clip your own wings—I promise you won't need them to fly—Sit with me please, and I'll teach you to reach inside your chest and sever your heart. To crack it open. Slowly, slowly. It's better if you meet them already broken on your own terms. It's better if you put yourself back together in plain sight. Using all of their might. Even still they'll try to take credit, but we know the truth—I promise, this will make you divine—I can show you how to love without feeling and to make your kisses force healing.

The tournament system is kept afloat by an obscure federal organization called the Farm Service Agency. The FSA spends hundreds of millions of dollars in taxpayer money to make sure that there will always be cheap loans for a new chicken farm when an older one is put out of business. Ron Burnett is a loan officer in Arkansas who has seen how the farm loan program works firsthand and how it has changed over the last few decades. In 1983 Burnett became a loan officer for a small division of the U.S. Department of Agriculture called the Farmers Home Administration. Few people ever heard of the agency, whose nominal goal was to ensure that struggling farmers had access to credit. But from his vantage point in the Arkansas branch of the agency, Burnett watched as it grew and ultimately made taxpayers responsible for billions of dollars in loans for industrial chicken farms.

Each of us serves as the physical arms, legs and voice for the Guiding Organizing Designing (GOD) Source of all that is. I credit Gary E. Schwartz Ph.D of the University of Arizona for this excellent acronym, featured in his 2006 book The G.O.D. Experiments: How Science is Discovering God in Everything, ncluding Us. This intelligent Force that animates our body, mind and spirit is not apart from us, but we are a part of it. Put another way: none of us is the entirety of God, but God is the entirety of us.

They clearly have crazy chemistry. Their relationship never made a lot of sense to me—I couldn’t understand how someone like Warner could be an emotional partner to anyone, much less someone like Juliette: a girl who eats, sleeps, and breathes emotion. I rarely saw him emote anything. I worried that Juliette was giving him too much credit, that she put up with too much of his bullshit in exchange for—I don’t even know what. A sociopath with an extensive coat collection?

Credit Suisse and Barclays came up with a better plan: they created their own money and “loaned” it to “investors” from the Gulf. As with normal credit money creation, on the banks’ books there was an asset (a loan) and a deposit (of the loan amount, for the use of the investors; this is FV money). The investors then used this newly created FV money to purchase newly issued preference shares in the banks. So, on the liabilities side of the balance sheet, the banks no longer had a deposit obligation; instead, they had brand new capital in the bank! What collateral did the Gulf investors put up as security for the “loan”? Well, they put up their newly received preference shares. Can you see the illusion?

Cash App Money Adder Software 2024 | Cash App Hack We have the latest CashApp 2024 software that will help to put cash into your CashApp accounts. So, this is a Money adder software that’s used for including cash to your CashApp account. So, if you need this software then contact us.,, Reach us on; flip365master@proton.me | website; flip365master.com Reach us on; flip365master@proton.me | website; flip365master.com VISIT HERE TO LEARN HOW TO MAKE $100,000.00 WEEKLY You can add and Generate cash with it and credit your account as much as 10,000USD per day into any of your CashApp Account or your good friend’s CashApp account. It is a really new and dependable software. This software is a very simple to make use of and really quick simple to Use…………. The Features of the CashApp Money Adder Includes Accessible to the user and enticing consumer interface. High-speed cash switch. You can transfer $ Dollar and Euro $10,000+ Per day. Supported Windows all version working , Mac, Mobile, Apple……..y You can use it in any country wordwide. WE CAN ALSO DO FAST CASHAPP TRANSFER FLIPS AND BELOW IS OUR PRICE LIST.. CASHAPP FLIPS PRICE LIST 2024 50.000$ = 4500$ 40,000$ = 3500$ 30,000$ = 2500$ 25,000$ = 2000$ 20,000$ = 1500$ 15000$ = 1000$ 6500$ = 500$ 4500$ = 450$ 4000$ = 400$ 3500$ = 350$ -I transfer minimum of 3500$ with price 350$ CashApp Software | CashApp Flips | CashApp Hack 2024 ============================================================ Contact us with the details below Email : flip365master@proton.me

Cash App Money Adder Software 2024 | Cash App Hack We have the latest CashApp 2024 software that will help to put cash into your CashApp accounts. So, this is a Money adder software that’s used for including cash to your CashApp account. So, if you need this software then contact us| Reach us on; flip365master@proton.me | website; flip365master.com Reach us on; flip365master@proton.me | website; flip365master.com VISIT HERE TO LEARN HOW TO MAKE $100,000.00 WEEKLY You can add and Generate cash with it and credit your account as much as 10,000USD per day into any of your CashApp Account or your good friend’s CashApp account. It is a really new and dependable software. This software is a very simple to make use of and really quick simple to Use…………. The Features of the CashApp Money Adder Includes Accessible to the user and enticing consumer interface. High-speed cash switch. You can transfer $ Dollar and Euro $10,000+ Per day. Supported Windows all version working , Mac, Mobile, Apple……..y You can use it in any country wordwide. WE CAN ALSO DO FAST CASHAPP TRANSFER FLIPS AND BELOW IS OUR PRICE LIST.. CASHAPP FLIPS PRICE LIST 2024 50.000$ = 4500$ 40,000$ = 3500$ 30,000$ = 2500$ 25,000$ = 2000$ 20,000$ = 1500$ 15000$ = 1000$ 6500$ = 500$ 4500$ = 450$ 4000$ = 400$ 3500$ = 350$ -I transfer minimum of 3500$ with price 350$ CashApp Software | CashApp Flips | CashApp Hack 2024 ============================================================ Contact us with the details below Email : flip365master@proton.me

Chris Argyris, professor emeritus at Harvard Business School, wrote a lovely article in 1977,191 in which he looked at the performance of Harvard Business School graduates ten years after graduation. By and large, they got stuck in middle management, when they had all hoped to become CEOs and captains of industry. What happened? Argyris found that when they inevitably hit a roadblock, their ability to learn collapsed: What’s more, those members of the organization that many assume to be the best at learning are, in fact, not very good at it. I am talking about the well-educated, high-powered, high-commitment professionals who occupy key leadership positions in the modern corporation.… Put simply, because many professionals are almost always successful at what they do, they rarely experience failure. And because they have rarely failed, they have never learned how to learn from failure.… [T]hey become defensive, screen out criticism, and put the “blame” on anyone and everyone but themselves. In short, their ability to learn shuts down precisely at the moment they need it the most.192 [italics mine] A year or two after Wave, Jeff Huber was running our Ads engineering team. He had a policy that any notable bug or mistake would be discussed at his team meeting in a “What did we learn?” session. He wanted to make sure that bad news was shared as openly as good news, so that he and his leaders were never blind to what was really happening and to reinforce the importance of learning from mistakes. In one session, a mortified engineer confessed, “Jeff, I screwed up a line of code and it cost us a million dollars in revenue.” After leading the team through the postmortem and fixes, Jeff concluded, “Did we get more than a million dollars in learning out of this?” “Yes.” “Then get back to work.”193 And it works in other settings too. A Bay Area public school, the Bullis Charter School in Los Altos, takes this approach to middle school math. If a child misses a question on a math test, they can try the question again for half credit. As their principal, Wanny Hersey, told me, “These are smart kids, but in life they are going to hit walls once in a while. It’s vital they master geometry, algebra one, and algebra two, but it’s just as important that they respond to failure by trying again instead of giving up.” In the 2012–2013 academic year, Bullis was the third-highest-ranked middle school in California.194

Wanting to thank him for his gifts, she left the tent to find her husband. He was in the middle of the camp, with knights all around him. She paused as she saw him there. He was again garbed as a black-robed monk, but he had taken time to shave this morning. There was no sign of the sword she knew he had strapped to his hips and she could barely catch a glimpse of his mail-covered leggings beneath it. He was handsome, her prince. More so than any man in the group. He, Phantom, Ioan, Lutian, and three men she knew not at all were standing in a circle as they discussed some matter. Her heart light, she approached her husband from behind. Ioan was speaking. “You know, Abbot, I hear wormwood helps with that problem.” He held his hand up and crooked his finger down as if it were suddenly limp. All the men save Christian laughed, while Christian glared murderously at Lutian. “Look to the good of it,” Phantom said as he sobered. He appeared to be imparting grave advice to her husband. “I hear all men have trouble from time to time with their sexual performance. Mind you, I have no personal experience with that, but…” His voice trailed off as he looked past Christian to see Adara glowering at him. Struggling not to strangle the men who mocked him, Christian turned to see what had disturbed Phantom to find Adara standing behind him. His groin jerked awake at the vision she made in her finery. She was beautiful. The gown fit even better than he had hoped. Unlike her peasant garb, this one laced in the front and at the sides, pulling the cloth into a perfect fit that showed every lush curve of her body. The only thing that sparkled more than her jewels were her brown eyes. “Thank you,” she said softly before she kissed his cheek. “I had a most wondrous night.” Christian was too dumbstruck by his lust to even respond. Lutian bristled at her actions and if she didn’t know better, she’d swear he was jealous. “Nay. Tell me this isn’t so. Why are you kissing him, my queen? It was me. Me. I’m the one who told him what to do. He had no idea how to please you. None. He was lost and confused when he sought me out. He didn’t even know how to do the most basic thing. It was me, all me.” Every man there gaped at Lutian’s words. “Christ’s toes, Christian,” Ioan said in disbelief. “Are you a monk in truth? Don’t tell me you had to take advice from the fool on how to please a woman? You should have come to me. At least I know what I’m doing.” “You can’t be a virgin,” Phantom said. “What about that Norman tart in Hexham? Surely you did more than talk to her when the two of you vanished to her room?” “Nay,” another knight said. “I saw him drunk in Calais with two women.” “Aye,” another knight began. “I was with him in London when he vanished for three days with a widowed countess.” Christian ground his teeth as this conversation quickly degenerated, while Lutian continued to take credit for instructing him on how to please Adara. Lutian still held Adara’s attention. “I’m the one who got him—” Enraged, Christian lunged for the source of his current humiliation. “Christian!” Adara snapped as he seized her fool. “Don’t hurt Lutian.” He wanted to do much more than hurt the fool. He wanted to tear the man’s head from his shoulders. Growling in frustration, he let the fool go. “Thank you, my queen.” “’Tis my place to hurt him.” She glared at her fool and smacked him on his arm. “I fully intend to take this up with you later.” She walked over to Ioan. “And for your information, my lord…” She lifted his hand and put his index and middle finger upright. “I assure you that there is nothing wrong with Christian’s technique or prowess.

I have to say I’m truly shocked at what men deem appropriate behavior in the modern dating world.” “You,” she said, pointing a finger at him. “YOU are shocked.” “I am. I’m not sure how you women put up with it.” “The struggle is real. Go on.” “Your emails all include emoticons, usually hearts and smiley faces, and your Netflix queue consists mostly of romantic comedies. Oh, and you’re a 34C. That’s just the stuff I can remember off hang. I’m sure there’s more.” She was horrified. “How do you know my bra size?” “I scrolled through your order history at Victoria’s Secret.” “Well, that’s not at all creepy,” she deadpanned. “Did you know there are items in your shopping cart? Sweaters. Lots of thick, long, skin-covering sweaters. Frankly, it confused me.” “”Maybe I already own plenty of lingerie. Considering I walk to work, sweaters are more practical. Plus, they’re awfully cute.” “I added a few things to your cart and checked out for you. I paid for it with my credit card. Expedited the shipping too, so you should have it by Monday.” “You ADDED a few thing?” “One hint: not sweaters.” “How wildly inappropriate.” “Kid in a candy store. Couldn’t help myself.” “How?” “Excuse me?” “You obviously hacked into my computer. How did you do it?” “I came in your backdoor.” “I’m certain you did not.” “I assure you that I did.” “Without even discussing it with me first? No preparation? No warning? Don’t you think that’s incredibly bad form?” He grinned. “Are we still talking about your computer? Because I find you utterly delightful right now?” ….. “Get out of my computer immediately, I’m willing to move past the fact that you hacked me, but it ends now.” “No more backdoor?” “No more backdoor.” He appeared crestfallen. “Ever?” “Never,” she said firmly. “Not even on my birthday or like a special occasion?” “Are we still talking about my computer?” she asked. “You probably are." ~ Heart-Shaped Hack: Kate and Ian #1

That was how for years, all through that quarter of the continent, they had fought, fled, beckoned, resumed. . . . If you took a map and tried to follow them over it, zigzagging town to town, back and forth, it might not have been that easy to account for, even if you recalled how wild, how much better than "wild" it'd been not all that many years ago, out here, even with the workdays that had you longing for the comforts of territorial prison, yes hard as that, when whatever was going to become yours—your land, your stock, your family, your name, no matter, however much or little you had, you earned it, with never no second thoughts as to just killing somebody, if it even looked like they might want to take it. Maybe a dog catching their scent coming down the wind, or the way some trailhand might be wearing his waterproof, that could be enough—didn't matter, with everything brand new and the soldiering so hard, waking up each day never knowing how you'd end it, cashing 'em in being usually never too distant from your thoughts, when any ailment, or animal wild or broke, or a bullet from any direction might be enough to propel you into the beyond . . . why clearly every lick of work you could get in would have that same mortal fear invested into it—Karl Marx and them, well and good, but that's what folk had for Capital, back in early times out here—not tools on credit, nor seed money courtesy of some banker, just their own common fund of fear that came with no more than a look across the day arising. It put a shade onto things that parlor life would just never touch, so whenever she or Reef pulled up and got out, when it wasn't, mind, simple getting away in a hurry, it was that one of them had heard about a place, some place, one more next-to-last place, that hadn't been taken in yet, where you could go live for a time on the edge of that old day-to-day question, at least till the Saturday nights got quiet enough to hear the bell of the town clock ring you the hours before some Sunday it'd be too dreary to want to sober up for. . . . So in time you had this population of kind of roving ambassadors from places like that that were still free, who wherever they came to rest would be a little sovereign piece of that faraway territory, and they'd have sanctuary about the size of their shadow.

You dance divinely, my lady,” he said quietly near her ear, gently leading her with his arm and pressure on her hand past the gay colors of the other dancers. Clarissa flushed and smiled a bit proudly, then sighed and shook her head. “No, my lord,” she said demurely. “You give me too much credit. I fear you are the one who dances divinely. I know it is not I, for I have been able to do nothing but stumble and fall when dancing with others.” “Then the fault lies with those others. You are as light and graceful as a feather on the dance floor with me.” Clarissa considered briefly; then, with a sense of justice, nodded her head. “I believe you may be right, my lord. After all, if it were me alone, even your obvious skill could not have made it so easy. Perhaps my previous partners were a bit nervous and awkward.” “How refreshing.” She could hear the smile in his voice, and so Clarissa raised her eyebrows in question. “My lord?” “Your honesty. I am pleased by your lack of false modesty. It is something that never really bothered me before, yet now seems as fake and unpleasant as the airs everyone puts on when in the city. I find your honesty most refreshing.” Clarissa felt herself blush, and then the first strains of a new song hummed through the air. Her companion paused and turned her into his arms once more. “Close your eyes,” he instructed, and began to move them around the room once more. -Adrian & Clarissa

put on three plays a year. This was Millie's second year in drama, and she had only done bit roles, which suited her fine. She confided in Lila that her real reason for joining the group was to find a husband—she had no acting ambition. All the interesting guys hung around there. They were already into rehearsals of The Owl and the Pussycat, the December production, starring the two most talented actors in school. She persuaded Lila to sneak backstage and watch. Millie ushered Lila into the wings of the dark stage. Lila melted into the curtain and watched the actors rehearse, illuminated only by the work light. Their voices resonated in the empty auditorium, filling Lila with awe. Absorbed in their performance, Lila startled when the instructor called for a break. She realized she had been holding her breath. Suddenly she knew she wanted to join this group. Yet she would never have the courage to do it. How could she? She was no match for these students. They probably had taken acting lessons and performed plays all through high school. All Lila had to her credit was her fifth-grade Christmas performance. But she knew in that moment that every chance she had would be spent in this theater, watching an enchanting world. At the campus bookstore she flipped through a copy of The

Every time you stand in line for the newest Apple product without putting money aside for emergencies, you are pursuing the wrong American dream. Every time you use credit to pay for something, knowing full well that you will pay interest on it, you are risking your financial future and condemning yourself to a lifestyle that is worse than what your paycheck could provide.

At some point, one would expect Christocentric believers like Weil and Grant to bow to Jesus' theology of God the Redeemer. We might ask whether the real offence for Grant and Weil was not also God's lack of intervention in their time. Where was the God 'who is able to deliver' for the Jews of Europe now? Had Yahweh evaporated in Hitler's ovens? To their credit, they looked for God in God's perceived absence, as the crucified Christ suffering with the afflicted once again. But is that really the final hope of the Jewish or Christian God? Grant and Weil were prejudiced against identifying God with victory (even in the resurrection) because they saw how triumphalism served the propaganda of empires. But in so doing, they are forerunners in idealizing 'the weakness of God' (a la Dietrich Bonhoeffer to John Caputo). But does such an impotent deity deserve the 'God' label? [Hence Caputo's denial of divine ontology…] In what sense does this God 'care'? How can their God be called 'Saviour'? Can such a God even be said to exist? Thus, S. A. Taubes dubs Weil's theology 'religious atheism.' Taubes surely overstates her case—for Weil faithfully extends the agnostic theology of the apophatic mystics (Simeon the New Theologian, 949-1042) and St. John of the Cross (1542-1591). Yes, her God is absent in the sense of intervention or providence, but very much present in the supernatural compassion of His people: 'God is absent from the world except in the existence in this world of those in whom His love is alive. …Their compassion is the visible presence of God here below. …Through compassion we can put the created, temporal part of a creature in communication with God. …Compassion is what spans the abyss which creation has open between God and the creature. It is the rainbow.

In 2007 one of its biggest clients, Goldman Sachs, demanded that AIG put up billions of dollars more in collateral as required under its swaps contracts. AIG disclosed the existence of the collateral dispute in November. At the December conference, Charles Gates, a longtime insurance analyst for Credit Suisse, asked pointedly what it meant that “your assessment of certain super-senior credit default swaps and the related collateral . . . differs significantly from your counterparties.

FOR MY SPIRITUAL LIFE... What’s the ONE Thing I can do to help others... ? What’s the ONE Thing I can do to improve my relationship with God... ? FOR MY PHYSICAL HEALTH... What’s the ONE Thing I can do to achieve my diet goals... ? What’s the ONE Thing I can do to ensure that I exercise... ? What’s the ONE Thing I can do to relieve my stress... ? FOR MY PERSONAL LIFE... What’s the ONE Thing I can do to improve my skill at ________... ? What’s the ONE Thing I can do to find time for myself... ? FOR MY KEY RELATIONSHIPS... What’s the ONE Thing I can do to improve my relationship with my spouse/partner... ? What’s the ONE Thing I can do to improve my children’s school performance... ? What’s the ONE Thing I can do to show my appreciation to my parents... ? What’s the ONE Thing I can do to make my family stronger... ? FOR MY JOB... What’s the ONE Thing I can do to ensure that I hit my goals... ? What’s the ONE Thing I can do to improve my skills... ? What’s the ONE Thing I can do to help my team succeed... ? What’s the ONE Thing I can do to further my career... ? FOR MY BUSINESS... What’s the ONE Thing I can do to make us more competitive... ? What’s the ONE Thing I can do to make our product the best... ? What’s the ONE Thing I can do to make us more profitable... ? What’s the ONE Thing I can do to improve our customer experience... ? FOR MY FINANCES... What’s the ONE Thing I can do to increase my net worth... ? What’s the ONE Thing I can do to improve my investment cash flow... ? What’s the ONE Thing I can do to eliminate my credit card debt... ? BIG IDEAS So how do you make The ONE Thing part of your daily routine? How do you make it strong enough to get extraordinary results at work and in the other areas of your life? Here’s a starter list drawn from our experience and our work with others. Understand and believe it. The first step is to understand the concept of the ONE Thing, then to believe that it can make a difference in your life. If you don’t understand and believe, you won’t take action. Use it. Ask yourself the Focusing Question. Start each day by asking, “What’s the ONE Thing I can do today for [whatever you want] such that by doing it everything else will be easier or even unnecessary?” When you do this, your direction will become clear. Your work will be more productive and your personal life more rewarding. Make it a habit. When you make asking the Focusing Question a habit, you fully engage its power to get the extraordinary results you want. It’s a difference maker. Research says this will take about 66 days. Whether it takes you a few weeks or a few months, stick with it until it becomes your routine. If you’re not serious about learning the Success Habit, you’re not serious about getting extraordinary results. Leverage reminders. Set up ways to remind yourself to use the Focusing Question. One of the best ways to do this is to put up a sign at work that says, “Until my ONE Thing is done—everything else is a distraction.” We designed the back cover of this book to be a trigger —set it on the corner of your desk so that it’s the first thing you see when you get to work. Use notes, screen savers, and calendar cues to keep making the connection between the Success Habit and the results you seek. Put up reminders like, “The ONE Thing = Extraordinary Results” or “The Success Habit Will Get Me to My Goal.” Recruit support. Research shows that those around you can influence you tremendously. Starting a success support group with some of your work colleagues can help inspire all of you to practice the Success Habit every day. Get your family involved. Share your ONE Thing. Get them on board. Use the Focusing Question around them to show them how the Success Habit can make a difference in their school work, their personal achievements, or any other part of their lives.

I thought if you had anything you wanted to say to me, I’d give you a chance to do that while Brie’s occupied with other things.” “Yeah,” Jack said. “Yeah, I have something to say. We’ve been over this, but just let me say this once more, so you know where I’m coming from. She’s real special to me and I’ve seen her hurt. Jesus, worse than hurt. You know what I’m talking about.” Mike gave a nod. “I know.” “This thing that’s going on with you and my sister, I fought it. It really scared me, got under my skin….” “I know,” Mike said again. “I under—” “Because I’m a fool,” Jack said, cutting him off. He shook his head in frustration. “Christ almighty, Valenzuela—you’ve had my back how many times? You’d fight beside me in a heartbeat, put yourself in harm’s way to protect me or any member of our squad. I don’t know why I got my back up like I did. When a woman in your family gets hurt like that—you just want to put her in a padded box with a lock on it so no one can ever get to her and hurt her again, even if that’s the worst thing you could do.” He shook his head again and now his expression was readable. He was open. “I apologize, man. I thought of you as my brother before you even glanced at Brie. I know she’s safe with you.” Mike found himself chuckling. “Man,” he said. “Mel must have held you down and beat you over the head.” Now the expression got surly. “I’d just like to know why Mel always gets the fucking credit when I start to make sense. What makes you think I didn’t just think it through and—” “Never mind,” Mike said, sticking out a hand. “I appreciate it.” Jack took the hand and Mike’s smile vanished. The look on his face became earnest. “Jack, I give you my word. I plan to do everything in my power to make your sister happy. I’ll protect her with my life.” “You’d better,” Jack said sternly. “Or so help me—” Mike couldn’t help but smile. “And we were doing so good there for a minute.” “Yeah, well…” “You won’t be disappointed in me,” Mike said. Jack was quiet a moment, then said, “Thanks. I knew that. It just took me a while. Guys like us…” “Yeah.” Mike laughed. “Guys like us. Who’d ever have thought?” Jack rubbed a hand across the back of his sweaty neck and said, “Yeah, well, look out. You bite the dust like I did and all of a sudden you’re breeding up a ball team.” “I’ll be on the lookout for that,” Mike said.

Therefore, with these celebrity wannabees, 1) popularity—or the appearance of it—can be measured by how many Facebook friends or Twitter followers one has managed to acquire; 2) fame—however fleeting—can be attained by many through appearing on reality television shows or in videos gone viral on YouTube; even 3) wealth—or the appearance of it—can be attained through the buying of expensive homes, cars, and various adult toys on relatively cheap credit; and, finally, 4) real power is admittedly harder to achieve but not beyond the grasp of those willing to sacrifice ethics and do whatever it takes to attain it. This fourth quality or possession is probably as it has always been, but having easier access to the other three may just put this one within the grasp of more, especially those undeserving of it or who would possibly misuse it. Thankfully, not everyone in this category craves or seeks power. But beware those who do.

I guess there’s nothing else to say.” “Oh, I don’t know about that,” he said, crooking a finger. “Come here.” Her throat went dry, and her heart gave a thud. On instinct, she shook her head. His expression turned ruthlessly intent. “Maddie, I’ve been thinking about that mouth of yours for almost twenty-four hours straight. You don’t think I’m going to let you go without touching you, do you?” Had it only been one day? How was that even possible? It seemed as though a lifetime had passed since she’d run out on her wedding. “Um . . .” She swallowed hard and squeaked out, “Yes?” A long pause filled with sexual awareness so thick it practically coated the air. How did he do it, flip the mood? Only moments ago, she’d felt bereft, but with one wicked glance she’d forgotten everything dogging her. “I’ll tell you what.” He smiled, and it was so filled with cunning that the fine hairs on her neck rose in anticipation. “Tell me you won’t regret it and we can end things right here with a friendly pat on the back.” “I-I d-don’t know what you mean,” she lied, loving and hating the direction the conversation had taken. “Do I need to spell it out?” “No?” The word was a question instead of the statement she’d intended. “You want to take care of yourself, right?” She nodded, sensing a trap but unable to stop playing into his hands. He leaned close, placing his elbow on the console, taking up every spare inch of breathing room. “You’re ready to ditch the good Catholic girl and start doing what you want?” The strange mixture of lust and irritation he evoked pulled in her stomach. “Well, when you put it that way.” The curve of his lips held a distinct sexual tilt. “If you get out of this car untouched, tell me you won’t lie in bed late at night and regret it. Tell me you won’t wonder and wish you’d done things differently.” Her pulse hammered and her throat dried up, leaving her unable to breathe, let alone speak. He stroked a path over the line of her jaw, and Maddie forced her eyes to stay open instead of fluttering closed from sheer desire. Why did it feel like an eternity since he’d touched her? Even more troubling, why did his hands feel so right? The slightly rough pads of his fingers trailed down the curve of her neck, leaving an explosion of tingles coursing through her. “And remember, Princess,” he said, in a deep rumble of a voice that vibrated through her as though he were her own personal tuning fork. “Lying is a sin.” She gasped, sucking in the last available bit of air left in the car. “That’s a low blow.” He gave a seductive laugh, filled with heat and promise and the kind of raw passion she’d always dreamed about. “I’m not above playing dirty.” A sly smirk as he rubbed a lazy circle over skin she hadn’t known was sensitive. “In fact, I think you prefer it that way.” “I do not!” Her heart beating far too fast, she clutched at the credit card hard enough to snap it in two. “Liar.” He slipped under the collar of her T-shirt to wrap a possessive hand around the nape of her neck. “I’m waiting.” She gritted her teeth to keep from moaning. How did one man feel so good? Hot and sinful. Irresistible. She whispered, “For what?” “My answer,” he said, inching closer. Their mouths mere inches away. She swallowed hard. The truth sat on the tip of her tongue, and for once in her life, she decided to speak it instead of stuffing it back down. “I’d regret it.” “Exactly,” he said, the word a soft breath against her skin. The pad of his thumb brushed over her bottom lip, sliding over the dampness until it felt swollen. Needy. “I can’t live with myself unless I’ve tasted this mouth.” This

Really, I don’t know how to thank you. The day was wonderful, the evening was perfect. And you’re exceptionally well behaved.” She grinned at him. “Don’t give me too much credit. It’s all part of a devious plan.” “Oh?” “Absolutely. If I can show you a good time, make you feel safe and comfortable, then maybe when you’re ready, I’ll have a chance.” He smiled at her. She tilted her head and looked at him with a sweet smile and glowing eyes. “You’re absolutely wonderful.” He shied a bit at the compliment and dropped his gaze, laughing softly. “Well, I’ve never had an interest in a widow with a baby before and I’m finding it has its difficult points.” “Oh?” He threaded a hand under her hair and around her neck. “Oh, yeah. For one thing, you just smell so damn good. If your situation was different, you might have to beat me off with a club. I have a giant crush on you.” “Maybe I shouldn’t have done this,” she said, but she didn’t pull away from his hand. “I’d hate to lead you on….” “Come on, it’s not your fault if I have a crush and a desperate need to try to impress you. Don’t you have enough baggage without taking on mine?” “Well, I’m impressed,” she said softly. She leaned toward him and put a gentle kiss on his cheek. “I just don’t want to let you down.” Their eyes locked and for a moment they were suspended there. And then he slowly pulled her toward him. He was going to kiss her and she was going to let him. But then the baby started to snuffle in the crib and whimper. She pulled back with a smile. “That’s my call,” she said quietly. “Thank you for a lovely day. And for being such a dear man, for understanding so much.” “Sure,” he said, removing his hand. “I wouldn’t want it any other way.” “Good night, Cameron.” *

Wage Garnishment Majority of students complete their education with student loan debt. Once you have graduated from college and stepinto the real world, you realize it isn’t as easy as it seemed. Student loan is one of the most difficult loans to repay and it also cannot be discharged into bankruptcy. Thus it has to be repaid!One thing that should always be kept in mind is to never skip your loan payments. If this happens and happens consecutively for months it will open doors to many other problems. It will put your loan in default; your entire loan amount and interest will become due immediately. It will adversely impact your credit score. We discuss Wage Garnishment with The Student Loan Help Center team, let’s see what they said about it. So What is wage garnishment? Wage garnishment happens when your loan is in default (you can consult The Student Loan help center if you want) i.e you have not paid the loan for consecutive 270 days. Now Wage garnishment is one of the legal consequences of going into default. Through this method the government starts deducting 15% of your income. That means you in hand income willreduce with only 85% coming in your bank account. However the amount of wage that can be garnished for private loandiffers from state to state since every state is not allowed to garnish the wages. How to avoid? As discussed before, wage garnishment happens only when your loan is in default. The department of education sends you one letter when you are in default. The best way to avoid this problem is to avoid going to default. There are numerous measures you can adopt right from very beginning to keep your loan repayment on track. For eg, starting to pay interest in your grace period, automating the process of monthly payments to get some discount from bank etc. Now what if you are in default or going in default, then the best option would be to consider forbearance or deferment which will stop your wages from being garnished. How can it be challenged? If you have just received the notice from Department of Education then you are given one opportunity to get a hearing and object to wage garnishment. You can challenge wage garnishment on following grounds: Your income Your employment Procedures followed to start the garnishment etc Also your wage garnishment cannot begin before the notice of 30 days. During this time period you request a hearing garnishment will be put on hold and if 30 days are over garnishment will not stop if you have won the hearing. One of the Best Student Loan consolidation services in USA is The Student Loan Help Center in Florida for all kind of Student Loan consultation you can contact any time.

Indeed, later research backed up their claims, showing that people who are brutally honest with themselves are not as happy day to day as people with unrealistic assumptions about their abilities. People who take credit for the times when things go their way but who put the blame on others when they stumble or fall are generally happier people.

So to anyone out there still wondering, here’s your permission slip: you do not have to be like Steve. When Isaacson, his biographer, was asked by a 60 Minutes interviewer about Jobs’s failings, he replied, “He could have been kinder.” Grant adds, “How do we know he succeeded because of his asshole behaviors … and not in spite of them?” Indeed, a more recent biography of Jobs, by Brent Schlender and Rick Tetzeli, argues that Jobs matured during his time away from Apple, and was much more modulated in his behavior—giving credit when appropriate, dispensing praise when warranted, ripping someone a new one when necessary—during the second (and more successful) half of his career. Without that kind of modulation—without getting a little outside our comfort zone, at least some of the time—we’re all probably less likely to reach our goals, whether we’re prickly or pleasant by disposition. As Grant himself puts it, “What I’ve become convinced of is that nice guys and gals really do finish last.” He believes that the most effective people

Thank you for coming after me,” she said softly, her mind beginning to comprehend the magnitude of what he’d done and the risks he’d taken—even putting his own life in jeopardy—to find her. “I don’t know what I would have done without your help.” “You’re welcome.” A slow smile worked its way up his lips. The flames from the fire reflected on his face, highlighting his pleasure at her words. “After all the times I’ve had to bail you out of trouble, I have to admit, it’s kind of nice to hear you finally admit you needed my help.” “All the times?” “Yes, all the times.” His grinned widened. “Starting from the first night you stepped into the Northern Hotel.” “If I remember right, I didn’t do such a bad job taking care of myself.” A smile twitched her lips. “But I suppose if it makes you feel like a knight in shining armor, I’ll let you take the credit for saving me from doom.” “Oh, come on, admit it.” His voice was low and edged with laughter. “You know for a fact I’m your knight in shining armor.” Her heart swelled. “Since you’re forcing a confession out of me,” she bantered, “then yes, I admit you’re my hero.” Little did he know just how much he was winning her heart. “Well, then that’s settled.

Let me be straight with you: I’m not really qualified to write this book. I don’t have a Bible or seminary degree. I’m not a pastor or a counselor. I don’t know biblical languages and don’t know how to do exegesis—whatever that even is. Again, I’m just a messed-up twenty-three-year-old guy. But I know that God has quite the sense of humor. It only takes a quick peek into Christian history to realize I’m almost the exact type of person he is looking for. A wise man two thousand years ago put it this way: “But God chose what is foolish in the world to shame the wise; God chose what is weak in the world to shame the strong.”1 Paul tells us that God loves using people who are useless by worldly standards—because then he gets all the credit. A crooked stick can still draw a straight line, and a messed-up dude like me can still write about an awesome God. I’ve tasted grace and can’t help but tell others about it.

Pain wrung his heart. So, then, it was to be the same in death as it had always been in life. He concealed the bitter ache, pretending to laugh at something Chilcot was going on about. It was inevitable that during all those years they were growing up, people had compared him and Charles with each other. After all, they'd both been so close in age, so similar in looks and build. But in the eyes of those adults around them — adults who behaved as though neither child had ears nor feelings — Charles had been the golden boy — the Beloved One. Gareth's carefree, devil-may-care nature had never stood a chance against Charles's serious-minded ambition, his dogged pursuit of perfection at whatever he did. It was Charles who had the keener wit, the better brain, the more serious mind. It was Charles who'd make a magnificent MP or glittering ambassador in some faraway post, Charles who was a credit to his family, Charles, Charles, Charles — while he, Gareth ... well, God and the devil only knew what would become of poor Gareth. Charles had never been one to gloat or rub it in. Indeed, he'd resented the inevitable comparisons far more than Gareth, who laughingly pretended to accept them and then did his best to live down to what people expected of him. And why not? He had nothing to prove, no expectations to aspire to. Besides, he hadn't envied Charles. Not really. While Charles had been groomed to succeed to the dukedom should Lucien die without issue, he, Gareth, had been having the time of his life — running wild over Berkshire, over Eton, and most recently, over Oxford. Never in his twenty-three years, had he allowed himself to feel any envy or resentment toward his perfect, incomparable older brother. Until now — when he found himself wanting the one thing Charles had owned that he himself did not have:  the love of Juliet Paige. He looked at her now, standing off by herself with her head bent over Charlotte as she tried to soothe her. The child was screaming loudly enough to make the dead throw off their tombstones and rise up in protest, but her mother remained calm, holding the little girl against her bosom and patting her back. Gareth watched them, feeling excluded. Charles's bride. Charles's daughter. God help me. He knew he was staring at them with the desperation of one confined to hell and looking wistfully toward heaven. He thought of his wife's face when he'd taken Charles's ring off and put it on her other finger, the guilty gratitude in her eyes at this noble act of generosity that had cost him so little but had obviously meant so much to her. What could he do to deserve such a look of unabashed worship again? Why, she was looking at me as she must have looked at Charles. She still loved his brother. Everyone had loved his brother. He could only wonder what it might take to make her love him. But it's not me she wants. It's him. 'Sdeath. I could never compete with Charles when he was alive. How can I compete with him now? Lucien's cold judgment of the previous morning rang in his head:  You are lazy, feckless, dissolute, useless. He took a deep breath, and stared up through the great stained glass windows. You are an embarrassment to this family — and especially to me. He was second-best. Second choice. Perry

Piers Morgan Piers Morgan is a British journalist best known for his editorial work for the Daily Mirror from 1995 through 2004. He is also a successful author and television personality whose recent credits include a recurring role as a judge on NBC’s America’s Got Talent. A controversial member of the tabloid press during Diana’s lifetime, Piers Morgan established a uniquely close relationship with the Princess during the 1990s. “What’s been the most upsetting thing you’ve had to read about yourself?” “Well, those pictures the other day of my supposed cellulite upset me a lot actually. It really hurt me. It was too painful, too personal. It’s my body everyone was talking about, not just my face. I felt invaded because they put the cameras deliberately onto my legs.” Diana’s relationship with the paparazzi was obviously complex. She professed to hate them: “I know most of the paparazzi and their number plates. They think I am stupid but I know where they are. I’ve had ten years practice. I would support an antistalking bill tomorrow.” Then she took me to the window and started showing me the various media cars, vans, and motorbikes lurking outside. But when I asked why she doesn’t go out of one of the ten other more discreet exits, she exposed her contrary side: “I want to go out the front like anyone else. Why should I change my life for them?” “Because it would make your life easier?” I said. William was equally upset by the constant prying lenses: “Why do they have to chase my mother around so much? It’s unfair on her.” I was torn between genuine concern for the young man protecting his mum so gallantly, and a sense of foreboding for him that one day it would be him, not his mother, who would be chased just as aggressively. How do you explain to a thirteen-year-old boy that he sells papers and therefor he’s a valuable commodity to photographers and editors like me?

Darcy picked her up again, this time not as gently as he had when she’d tripped on the root. He carried her under one arm like a sack of grain, though to his credit, he avoided putting pressure on her lower abdomen. “I said no, ye contrary thing, and I’m big enough to make you obey whether ye want to or no’.” He crashed through the line of trees, stomped past the wounded men, and set her firmly in the wagon. “A skirmish is no place for a woman. I willna be responsible for you getting raped or killed.” That vulnerable look softened his hard features for a second. “I could tie you down, but then ye’d be no help to Archie. So what’ll it be, lass? Will you obey me or no?” He tried to intimidate her with his posture and size, bracketing her with his bare arms. It didn’t work. Rather, the sight of the succulent, hard mound of his exposed shoulder so close to her face made her wet her lips. His strong collarbones and sinewy neck glistened with sweat, and he smelled of pine and male exertion. Her libido jumped like a feisty poodle. Jeez Louise, Mel, get a grip. This is not a romance novel. He’s not your hero. The box got it wrong. The box was way out of line. “I need it,” she said, pleased her steady voice didn’t betray her attraction. “I have to go with you.” “I told you I’d look for whatever ye lust.” Lust. The antiquated word spoken in his deep voice did strange things to her tummy. It took a solid effort not to lick her lips in invitation as the word called to mind activities that most definitely related to wanting. Home, she reminded herself. She had to get home. “I don’t trust you to look as hard as I would. I’m coming with you.” “Where are your ropes, Archie?” he asked. “The woman refuses to stay put. I have no choice but to tie her to the wagon.” Several of the wounded men snickered. Archie said, “In the foot case there. And bring me some of yon dried moss before ye tie down your woman.” Your woman. The casual declaration made her stomach leap, and the sensation wasn’t entirely unpleasant. “She’s not mine,” Darcy growled as he opened the lid of a wooden chest in the wagon. To her horror, he removed a coil of rope. After tossing a yellowish clump in Archie’s direction, he came at her. Her libido disappeared with a poof. She hopped off the wagon, dodging hands that had no business being so quick, considering how large they were. “Don’t you dare tie me down! I’ve got to get that box. It’s my only hope to return home.” He lunged for her, catching her easily around the waist with his long arm, and plunking her back in the wagon. Libido was back. Her body thrilled at Darcy’s manhandling, though her muscles struggled against it. The thought of him tying her up in private might have some merit, but not in the middle of the forest with several strange men as witnesses. “Okay, okay,” she blurted as he looped the rope around one wrist. “I won’t follow you. Please don’t tie me. I’ll stay. I’ll help.” He paused to eye her suspiciously. “I promise,” she said. “I’ll stay here and make myself useful. As long as you promise to look for a rosewood box inlaid with white gold and about yea big.” She gestured with her hands, rope trailing from one wrist. “As long as you swear to look as though your life depends on it.” She held his gaze, hoping he was getting how important this was to her, hoping she could trust him. The circle of wounded men went quiet, waiting for his answer. He bounced on the balls of his feet, clearly impatient to return to the skirmish, but he gave her his full attention and said, “I vow that if your cherished box is on that field, I will find it.

Curbing the financial sector. Since so much of the increase in inequality is associated with the excesses of the financial sector, it is a natural place to begin a reform program. Dodd-Frank is a start, but only a start. Here are six further reforms that are urgent: (a) Curb excessive risk taking and the too-big-to-fail and too-interconnected-to-fail financial institutions; they’re a lethal combination that has led to the repeated bailouts that have marked the last thirty years. Restrictions on leverage and liquidity are key, for the banks somehow believe that they can create resources out of thin air by the magic of leverage. It can’t be done. What they create is risk and volatility.2 (b) Make banks more transparent, especially in their treatment of over-the-counter derivatives, which should be much more tightly restricted and should not be underwritten by government-insured financial institutions. Taxpayers should not be backing up these risky products, no matter whether we think of them as insurance, gambling instruments, or, as Warren Buffett put it, financial weapons of mass destruction.3 (c) Make the banks and credit card companies more competitive and ensure that they act competitively. We have the technology to create an efficient electronics payment mechanism for the twenty-first century, but we have a banking system that is determined to maintain a credit and debit card system that not only exploits consumers but imposes large fees on merchants for every transaction. (d) Make it more difficult for banks to engage in predatory lending and abusive credit card practices, including by putting stricter limits on usury (excessively high interest rates). (e) Curb the bonuses that encourage excessive risk taking and shortsighted behavior. (f) Close down the offshore banking centers (and their onshore counterparts) that have been so successful both at circumventing regulations and at promoting tax evasion and avoidance. There is no good reason that so much finance goes on in the Cayman Islands; there is nothing about it or its climate that makes it so conducive to banking. It exists for one reason only: circumvention. Many

If God has called you to be really like Jesus in your spirit, He will draw you into a life of crucifixion and humility, and put on you such demands of obedience that He will not allow you to follow other Christians; and in many ways He will seem to let other good people do things that He will not let you do. Other Christians and ministers who seem very religious and useful may push themselves, pull wires and work schemes to carry out their schemes, but you cannot do it; and if you attempt it, you will meet with such failure and rebuke from the Lord as to make you sorely penitent. Others may brag on themselves, on their work, on their success, on their writings, but the Holy Spirit will not allow you to do any such thing; and if you begin it, He will lead you into some deep mortification that will make you despise yourself and all your good works. Others may be allowed to succeed in making money, but it is likely that God will keep you poor, because He wants you to have something far better than gold, and that is a helpless dependence upon Him, that He may have the privilege (the right) of supplying your needs day by day out of an unseen treasury. The Lord will let others be honoured and put forward, and keep you hidden away in obscurity, because He wants some choice fragrant fruit for His coming glory which can only be produced in the shade. He will let others do a work for Him and get the credit for it, but He will let you work and toil on without knowing how much you are doing; and then to make your work still more precious, He will let others get the credit for the work you have done, and this will make your reward ten times greater when Jesus comes. The Holy Spirit will put a watch over you, with a jealous love, and will rebuke you for little words and feelings or for wasting your time, over which other Christians never seem distressed. So make up your mind that God is an infinite Sovereign, and has the right to do as He pleases with His own, and He may not explain to you a thousand things which may puzzle your reason in His dealings with you. He will take you at your word and if you absolutely sell yourself to be His slave, He will wrap you up in a jealous love and let other people say and do many things which He will not let you say or do. Settle it for ever that you are to deal directly with the Holy Spirit, and that He is to have the privilege of tying your tongue, or chaining your hand, or closing your eyes, in ways that He does not deal with others. Now when you are so possessed with the Living God, that you are in your secret heart pleased and delighted over the peculiar, personal, private, jealous guardianship of the Holy Spirit over your life, you will have found the vestibule of heaven. These

Yesterday I got a credit card application from a major bank with a variable rate of 12.99% to 20.99%. Such a deal. And what if I fall on hard times and lose my job? So, I wrote them a return letter: Dear major bank, Thank you for the opportunity to express how I really feel about your corporation. What I do appreciate, is that there is no stamp required for your return envelope. After tearing off all my personal information, so some dumpster diver doesn’t fill out your application for me, and find out he picked the wrong target; I just wanted to make one comment: Your practice of usury is despicable, along with crashing the global economy. Danny - I think I have my grandmother’s charm and wit. Too bad she’s not here to share it with. Maybe if every disgruntled person would use that free envelope and apply their creative talent, they might get the picture that we’re tired of this bullshit. Marcie, there are so many people you could visit and test your information extraction program on, so what are you people doing here? Is this just a practice run? Well, you wanted to know what I was thinking. And you wonder why I look to God for solutions. Wake me up when it’s over. Marcie - You are a crazy SOB. You want me to use my system to play Robin Hood. Danny - You’d make an excellent Robin Hood, make sure you get your merry band to sign on. Maybe that’s the reason we were connected by design. How much materialism do you really need? Some people take what they need from the orchard and other people pick the orchard clean. Marcie - You’re wondering what I’m thinking. I don’t want to mess your mind up with what I’m thinking, so let me simply say, I don’t approve of what some of these people have been doing for decades. Who do you think I am? Danny - Someone who frustrates me, don’t we have enough guessing games in life? Marcie - Marcie is a miracle worker, so what does that tell you? You do not even know what to make of me, someone who keeps coming back for you, someone who won’t let go of you. Danny - Why is it that there’s only a handful of words for truth and over 100 synonyms and derivatives for deception? Marcie - Are you surprised? Danny - It puts it in a different light when you start reading through the list. You may as well add amygdala hijacking. Marcie - Has Danny been bamboozled? Danny - You picked one with an unknown origin. Marcie - That is the best way to start a mind game. Danny - Okay, just for kicks, try saying synonym - cinnamon 10 times as fast as you can. From - "The Mind Game Company - The Players