I Pay My Bills Quotes

The world is like a ride in an amusement park, and when you choose to go on it you think it's real because that's how powerful our minds are. The ride goes up and down, around and around, it has thrills and chills, and it's very brightly colored, and it's very loud, and it's fun for a while. Many people have been on the ride a long time, and they begin to wonder, "Hey, is this real, or is this just a ride?" And other people have remembered, and they come back to us and say, "Hey, don't worry; don't be afraid, ever, because this is just a ride." And we … kill those people. "Shut him up! I've got a lot invested in this ride, shut him up! Look at my furrows of worry, look at my big bank account, and my family. This has to be real." It's just a ride. But we always kill the good guys who try and tell us that, you ever notice that? And let the demons run amok … But it doesn't matter, because it's just a ride. And we can change it any time we want. It's only a choice. No effort, no work, no job, no savings of money. Just a simple choice, right now, between fear and love. The eyes of fear want you to put bigger locks on your doors, buy guns, close yourself off. The eyes of love instead see all of us as one. Here's what we can do to change the world, right now, to a better ride. Take all that money we spend on weapons and defenses each year and instead spend it feeding and clothing and educating the poor of the world, which it would pay for many times over, not one human being excluded, and we could explore space, together, both inner and outer, forever, in peace.

You still owe me a million dollars." I'd presented him with a bill for proving his innocence and getting him freed from prison. He had yet to pay. Couldn't imagine why. "Yeah, I was hoping we could work that out." "The interest alone is going to kill you." "What do you charge?" "Three hundred eighty-seven percent." "Is that ethical?" "It's as ethical as my dating the son of Satan.

Hey, big spender,” I said. He looked appreciative but more amused than anything else. He reached into his pocket and pulled out a one dollar bill. “Hugh,” I said. “Don’t insult me.” With a sigh, he produced a five and tucked it underneath my bra strap. “Hey, Seth,” Cody suddenly said. I looked up and saw Seth standing in the doorway. A look of comic bemusement was on his face. “Hey,” he said, studying me. “So…you’re paying for dinner?

I come home that morning, after I been fired, and stood outside my house with my new work shoes on. The shoes my mama paid a month's worth a light bill for. I guess that's when I understood what shame was and the color of it too. Shame ain't black, like dirt, like I always thought it was. Shame be the color of a new white uniform your mother ironed all night to pay for, white without a smudge or a speck a work-dirt on it.

There were times . . . when it occurred to me that I was repeating my mother's life. Usually this thought struck me as funny. But if I happened to be tired, or if there were extra bills to pay and no money to pay them with, it seemed awful. I'd think 'This isn't the way our lives are supposed to be going.' Then I'd think 'Half the world has the same idea.

You're afraid of the audience, aren't you?" "Yes, but it's not stagefright. It's that I'm there as the geek. They like to watch me eat my shit. But it pays the light bill and takes me to the racetrack. I don't have any excuses about why I do it.

The only reason I made a commercial for American Express was to pay for my American Express bill.

A few years ago, I graduated college, diploma in one hand, margarita in the other, completely oblivious to the shit storm that was coming my way. Here's a preview: becoming a living, breathing, job-having, bill-paying, responsible adult? Really fucking difficult.

Fire         i   The morning you were made to leave she sat on the front steps, dress tucked between her thighs, a packet of Marlboro Lights near her bare feet, painting her nails until the polish curdled. Her mother phoned–   What do you mean he hit you? Your father hit me all the time but I never left him. He pays the bills and he comes home at night, what more do you want?   Later that night she picked the polish off with her front teeth until the bed you shared for seven years seemed speckled with glitter and blood.       ii   On the drive to the hotel, you remember “the funeral you went to as a little boy, double burial for a couple who burned to death in their bedroom. The wife had been visited by her husband’s lover, a young and beautiful woman who paraded her naked body in the couple’s kitchen, lifting her dress to expose breasts mottled with small fleshy marks, a back sucked and bruised, then dressed herself and walked out of the front door. The wife, waiting for her husband to come home, doused herself in lighter fluid. On his arrival she jumped on him, wrapping her legs around his torso. The husband, surprised at her sudden urge, carried his wife to the bedroom, where she straddled him on their bed, held his face against her chest and lit a match.       iii   A young man greets you in the elevator. He smiles like he has pennies hidden in his cheeks. You’re looking at his shoes when he says the rooms in this hotel are sweltering. Last night in bed I swear I thought my body was on fire.

Lord, how unutterably disgusting life is! What dirty tricks it plays us, one moment free; the next, this. Here we are among the breadcrumbs and the stained napkins again. That knife is already congealing with grease. Disorder, sordidity and corruption surrounds us. We have been taking into our mouths the bodies of dead birds. It is with these greasy crumbs, slobbering over napkins, and little corpses that we have to build. Always it begins again; always there is the enemy; eyes meeting ours; fingers twitching ours; the effort waiting. Call the waiter. Pay the bill. We must pull ourselves up out of the chairs. We must find our coats. We must go. Must, must, must — detestable word. Once more, I who had thought myself immune, who had said, "Now I am rid of all that", find that the wave has tumbled me over, head over heels, scattering my possessions, leaving me to collect, to assemble, to head together, to summon my forces, rise and confront the enemy.

I ain't gonna lie. I like having my girl take care of me this way. I can't wait 'til she finish high school and we can live together somewhere on our own. I'ma support her while she in college, pay all the bills and shit, and she can take care of me like this everyday. Man, that's the way I wanna be living.

I live in what are known as hopes. I hope for fascinating and remunerative cases, my secretary hopes that I will pay her, her landlord hopes that she will produce some rent, the Electricity Board hopes that he will settle their bill, and so on. I find it a wonderfully optimistic way of life.

It crossed my mind that my letters are all about me and not you. I would hope that you pay me the same respect.

We fought over the bill when it came. By fought I mean: I insisted loudly on paying half and he responded with beleaguered silence. Instead of discussing it or attempting to engage in my one-sided conversation, he wordlessly put his credit card in the holder; he kept it carefully out of my reach as I continued to list all the reasons we should split the check, not the least of which was that we’d agreed earlier that this was not a date, then handed it stealthily to the waiter as he passed. I was still oblivious, making my case, when Quinn signed the receipt.“Wait- what are you doing?” I looked from him to the paper slip.Silence. Scribble. Silence. “Did you just sign that? Was that the check?” My voiced hitched, my eyes wide with pseudo outrage. He glanced up at me, something like mock innocence lighting his features, and said, “I’m sorry. Did you want to split that?

Women made such swell friends. Awfully swell. In the first place, you had to be in love with a woman to have a basis of friendship. I had been having Brett for a friend. I had not been thinking about her side of it. I had been getting something for nothing. That only delayed the presentation of the bill. The bill always came. That was one of the swell things you could count on. I thought I had paid for everything. Not like the woman pays and pays and pays. No idea of retribution or punishment. Just exchange of values. You gave up something and got something else. Or you worked for something. You paid some way for everything that was any good. I paid my way into enough things that I liked, so that I had a good time. Either you paid by learning about them, or by experience, or by taking chances, or by money. Enjoying living was learning to get your money’s worth. The world was a good place to buy in. It seemed like a fine philosophy. In five years, I though, it will seem just as silly as all the other fine philosophies I’ve had.

My grandfather used to say ‘It is my house I am paying the bills’, my dad used to say ‘this is my house I pay the mortgage’, my generation is saying this is my house I pay the rent.

We couldn't bear to be apart. So if Kizuki had lived, I'm sure we would have been together, loving each other, and gradually growing unhappy." Unhappy? Why's that?" With her fingers, Naoko combed her hair back several times. She had taken her barrette off, which made the hair fall over her face when she dropped her head forward. Because we would have had to pay the world back what we owed it," she said, raising her eyes to mine. "The pain of growing up. We didn't pay when we should have, so now the bills are due. Which is why Kizuki did what he did, and why I'm here. We were like kids who grew up naked on a desert island. If we got hungry, we'd just pick a banana; if we got lonely, we'd go to sleep in each other's arms. But that kind of thing doesn't last forever. We grew up fast and had to enter society. Which is why you were so important to us. You were the link connecting us with the outside world. We were struggling through you to fit in with the outside world as best we could. In the end, it didn't work, of course." I nodded. I wouldn't want you to think that we were using you, though. Kizuki really loved you. It just so happened that our connection with you was our first connection with anyone else. And it still is. Kizuki may be dead, but you are still my only link with the outside world. And just as Kizuki loved you, I love you. We never meant to hurt you, but we probably did; we probably ended up making a deep wound in your heart. It never occurred to us that anything like that might happen.

I've developed a theory that there's an inverse relationship between money and imagination. That if you've got lots of imagination then you don't really need much money, and if you've got lots of money then you won't bother with much imagination. You've got to be able to pay your bills, otherwise you're not going to sleep at night. But beyond that, the world inside my head has always been a far richer place than the world outside it. I suppose that a lot of my art and writing are meant to bring the two together.

What's the difference between sanity and madness anyway? We all play headgames with ourselves. We all have baggage. We all cope somehow. I'm not sure if I'm mad or sane. I mean, I hold my life together, I pay my bills, I raise my kids. But the world is so polarized and bizarre now that for some people, none of these these things matter if they're not wearing the right shoes or don't have the right credit score or a fancy family car. Some people think the most important things to worry about are handbags and tan lines. Meanwhile, war and crime and poverty unfold all around us, and we ignore it. In that environment, how can we even begin to talk about sanity and madness?

I just want a life of happiness, laughter and possibility, I want a passion that I call my job, to pay my bills. I want to spend my time, eating good food & making unremarkable memories with the family I have left. I want friends that can be honest enough to tell me, if I fuck up, so I can fix it & also beautiful enough to know when I'm lieing in my smile. I want a lover who isn't afraid to love me with every inch of his heart but also fearless in keeping his individual voice as we grow together. And I will have all of it, because I believe I am worthy of it.

I don't know which I hate most my bills or the money I pay them with...

Maybe it's easier to conform, to stay in a job I hate to pay bills of the things I don't even enjoy and marry a man I'm not passionately in love with, whilst surrounded by those who have absolutely no life to their smile but I don't want easy. I never have. I want a life so fucking grande' I reach every little milestone in sweats or tears knowing I Followed what was true to my heart. I don't care if I walk alone for the rest of my days, if it means I get to stay true to myself.

I was afraid to go into a restaurant because I was intimidated by the waiters furtively hovering behind me waiting for my plate to be emptied. Most of all I dreaded paying a bill-my awkwardness when I handed over the money after buying something did not arise from my stinginess, but from excessive tension, excessive embarrassment, excessive uneasiness and apprehension.

By the time I walked down the aisle—or rather, into a judge’s chambers—I had lived fourteen independent years, early adult years that my mother had spent married. I had made friends and fallen out with friends, had moved in and out of apartments, had been hired, fired, promoted, and quit. I had had roommates I liked and roommates I didn’t like and I had lived on my own; I’d been on several forms of birth control and navigated a few serious medical questions; I’d paid my own bills and failed to pay my own bills; I’d fallen in love and fallen out of love and spent five consecutive years with nary a fling. I’d learned my way around new neighborhoods, felt scared and felt completely at home; I’d been heartbroken, afraid, jubilant, and bored. I was a grown-up: a reasonably complicated person. I’d become that person not in the company of any one man, but alongside my friends, my family, my city, my work, and, simply, by myself. I was not alone.

I'm not saying it's what I would have wanted. But don't you see? We fuck up our lives again and again and it's always our children who pick up the bill. We move on to new relationships, always starting over, always thinking we've got another chance to get it right, it's the kids from all these broken marriages who pay the price. They - my son, your daughters, all the millions like them - are carrying around wounds that are going to last a lifetime. It has to stop.

Mephistopheles waved her off as she left. “One more woman running off with another man. I’m losing my touch.” “Have you considered you might be a Thorne in their sides?” Thomas asked. “You certainly can be a pric—” “Thomas,” I whispered harshly, pinching the inside of his elbow. “How clever,” Mephistopheles said blandly. “You’ve made my name into a pun. What other comedic brilliance will you think of next? I wish I could say I missed this”—he motioned between himself and Thomas—“but that sort of lying doesn’t pay my bills.” “Nor do the gemstones on your suits,” Thomas muttered. “Are you still jealous about my jackets?” Mephistopheles grinned. “For the love of the queen,” I said, interrupting before they really got into it.

There isn’t a name for my situation. Firstly because I decided to kill myself. And then because of this idea: I don’t have to do it immediately. Whoosh, through a little door. It’s a limbo. I need never answer the phone again or pay a bill. My credit score no longer matters. Fears and compulsions don’t matter. Socks don’t matter. Because I’ll be dead. And who am I to die? A microwave chef. A writer of pamphlets. A product of our time. A failed student. A faulty man. A bad poet. An activist in two minds. A drinker of chocolate milk, and when there’s no chocolate, of strawberry and sometimes banana.

Good-bye, you chaps,” Mike said. “It was a damned fine fiesta.” “So long, Mike,” Bill said. “I’ll see you around,” I said. “Don’t worry about money,” Mike said. “You can pay for the car, Jake, and I’ll send you my share.” “So long, Mike.” “So long, you chaps. You’ve been damned nice.” We all shook hands. We waved from the car to Mike. He stood in the road watching.

It’s amazing to think where adventure can lead when you trust your crazy ideas, when you’re bold enough to look at only what lies ahead of you. I don’t want the normal life. I don’t want to go to college because it’s the next practical step, just to join the pack, just to follow a leader. I don’t want to sit inside a room under fluorescent lights and study and read and memorize other people’s ideas about the world. I want to form my own ideas. I want to experience the world with my own eyes. I’m not going to follow my old friends to avoid the effort of making new ones. I don’t want to settle for any job just to get a paycheck, just to pay rent, just to need furniture and cable and more bills and be tied down with routine and monotony. I don’t want to own things because they’ll eventually start to own me. Most importantly, I don’t want to be told who I am or who I should be. I want to find myself—the bits and pieces that are scattered in places and in people waiting to meet me. If I fall down, I’ll learn how to pick myself up again. You need to fall apart once in a while before you understand how you best fit together.

But don’t I have any freedom of speech?” “In your own house. Not in mine.” “Don’t I have a right to my own ideas?” “At your own expense. Not at mine.” “Don’t you tolerate any differences of opinion?” “Not when I’m paying the bills.

To learn that a man can make foolish plays for no reason whatever was a valuable lesson. It cost me millions to learn that another dangerous enemy to a trader is his susceptibility to the urgings of a magnetic personality when plausibly expressed by a brilliant mind. It has always seemed to me, however, that I might have learned my lesson quite as well if the cost had been only one million. But Fate does not always let you fix the tuition fee. She delivers the educational wallop and presents her own bill, knowing you have to pay it, no matter what the amount may be.

Do you like that?" I'll say in surprise since it doesn't seem like her type of thing, and she'll look at me as if I'm mad. That!?" She'll say, "No, it's hideous" Then why on earth," I always want to say, "did you walk all the way over there to touch it?" but of course...I have learned to say nothing when shopping because no matter what you say... Read more - "I'm hungry", "I'm bored", "My feet are tired", "Yes, that one looks nice on you too", "Well, have both of them", "Oh, for fuck sake", "Can't we just go home", "Monsoon? Again? Oh for fuck sake", "then why on earth did you walk all the way over there to touch it?" - it doesn't pay, so I say nothing.

I try ton do what makes me happy and safe. Everyone who judges does so from the outside. They don´t help me pay my bills, they don´t come to feed me when I´m sick. Why live for people who don´t care about us unless I´m living in a way they approve of?

Your father’s a coward, Hazy,” he told her. “It’s wrong, what they’re doing. It’s disgusting. It’s unchristian. If I were a man, I’d quit in protest.” She took his hand in hers. “What would you do then?” “That’s just it,” he told her. “I’m a coward. I support this trash to pay my bills. Remember, we’re all God’s children. Be braver than I’ve been.

The only reason I made a commercial for American Express was to pay off my American Express Bill" - Peter Ustinov, 1921-2004

I am a strong, independent woman. I run my own segment of the renowned Hotpepper farm, and I pay my own bills. I was absolutely not turned on by that.

My score grows ever longer, and the day when it will all have to be totted up, like a long-time drunkard's bill in an alehouse, draws ever nearer. However will I pay?

I was so moved that she remembered my birthday that I cried harder than I had in years. When I returned her call, she told me her computer was broken and she couldn't afford to replace it. My heart fell. As I had done so many times before, I went to her rescue. Still on the phone, I went online and bought her a new laptop, top-of-the-line. That was what she had really called for, She thanked me and hung up. I went to Casey, sobbing. Soon afterward, I closed the bank account and asked my mom to not ask me for any more gifts or money. Now my relationship with my mom is very limited, and it's still very painful for me. She continues to occasionally send me bills she can't pay. I respond by telling her that I love her but I cannot pay her bills.

Although my law practice pays my hotel bill, I consider it no more my career than a hundred other things: sailing, drinking, walking the streets, writing my 'Inquirey', starting at walls hunting ducks and 'coons,reading, playing politics, and whatnot. I'm interested in any number of things, and enthusiastic about nothing.

What else can I be," returned the uncle, "when I live in such a world of fools as this? Merry Christmas! Out upon merry Christmas! What's Christmas time to you but a time for paying bills without money; a time for finding yourself a year older, but not an hour richer; a time for balancing your books and having every item in 'em through a round dozen of months presented dead against you? If I could work my will," said Scrooge indignantly, "every idiot who goes about with 'Merry Christmas' on his lips, should be boiled with his own pudding, and buried with a stake of holly through his heart. He should!

Single parenting isn’t just being the only one to take care of your kid. It’s not about being able to “tap out” for a break or tag team bath- and bedtime; those were the least of the difficulties I faced. I had a crushing amount of responsibility. I took out the trash. I brought in the groceries I had gone to the store to select and buy. I cooked. I cleaned. I changed out the toilet paper. I made the bed. I dusted. I checked the oil in the car. I drove Mia to the doctor, to her dad's house. I drove her to ballet class if I could find one that offered scholarships and then drove her back home again. I watched every twirl, every jump, and every trip down the slide. It was me who pushed her on the swing, put her to sleep at night, kissed her when she fell. When I sat down, I worried. With the stress gnawing at my stomach, worrying. I worried that my paycheck might not cover bills that month. I worried about Christmas, still four months away. I worried that Mia's cough might become a sinus infection that would keep her out of day care... . I worried that I would have to reschedule work or miss it altogether.

APPROACH Rain is falling. Winter approaches. I drive towards it. In the slow rain. In the semi-darkness. Cello music is playing in the car. The deep sad sound of the cello. It almost swamps me. Routine endeavours to swamp me. The everyday paying of bills. But I paint men walking in a city of icebergs and crystal. Some of the icebergs are red. I paint a woman swimming in green wavy water. Surrounded by desert mesas. Bright orange in the sunlight. With darker orange for shadows. I paint two people. With purple and pink and yellow and blue circles overlapping the boundaries of their bodies. Dancing. Life is not ordinary. When I see you tonight I will press my lips to your eyelids. Each one in turn. I will rub my fingertips over the skin on the back of your hands and around your wrists. I will sigh. I will growl. I will whinny. I will gallop into your smile. One sharp foot after the other.

There were times—especially in summer, while swallowing my afternoon salt-pill—when it occurred to me that I was simply repeating my mother’s life. Usually this thought struck me as funny. But if I happened to be tired, or if there were extra bills to pay and no money to pay them with, it seemed awful. I’d think This isn’t the way our lives are supposed to be going. Then I’d think Half the world has the same idea.

The more I took note of how my body and brain clicked along through the day, the more I realized that I spent a considerable amount of time banging around with a brain full of chatter; a rush of things to do, bills to pay, telephone calls, text messages, e-mails, worrying about my job or my looks, my boobs or my ass; I rushed from thing to thing, multitasking, triple-timing, hoping to cover all the bases, avoiding anything that might disrupt the schedule or routine. At times, I was so caught up in the tempo and pattern, the predictable tap, tap, tap of each day, that there was no time to notice the neighbors had moved out, the wind was sneaking in from the north, the sun was shifting on its axis, and tonight the moon would look like the milky residue floating inside an enormous cereal bowl. I wondered when I had become a person who noticed so little.

And I am proud, but mostly, I’m angry. I’m angry, because when I look around, I’m still alone. I’m still the only black woman in the room. And when I look at what I’ve fought so hard to accomplish next to those who will never know that struggle I wonder, “How many were left behind?” I think about my first-grade class and wonder how many black and brown kids weren’t identified as “talented” because their parents were too busy trying to pay bills to pester the school the way my mom did. Surely there were more than two, me and the brown boy who sat next to me in the hall each day. I think about my brother and wonder how many black boys were similarly labeled as “trouble” and were unable to claw out of the dark abyss that my brother had spent so many years in. I think about the boys and girls playing at recess who were dragged to the principal’s office because their dark skin made their play look like fight. I think about my friend who became disillusioned with a budding teaching career, when she worked at the alternative school and found that it was almost entirely populated with black and brown kids who had been sent away from the general school population for minor infractions. From there would only be expulsions or juvenile detention. I think about every black and brown person, every queer person, every disabled person, who could be in the room with me, but isn’t, and I’m not proud. I’m heartbroken. We should not have a society where the value of marginalized people is determined by how well they can scale often impossible obstacles that others will never know. I have been exceptional, and I shouldn’t have to be exceptional to be just barely getting by. But we live in a society where if you are a person of color, a disabled person, a single mother, or an LGBT person you have to be exceptional. And if you are exceptional by the standards put forth by white supremacist patriarchy, and you are lucky, you will most likely just barely get by. There’s nothing inspirational about that.

We walked into my mother's house at 10:30 in the morning at the end of February 1992. I had been gone for three weeks. She had been so desperate about us - she, too, looked thin and haggard. She was stunned to see me walk in, filthy and crawling with lice, with a huge crowd of starving people. We ate and drank clean water; then, before we even washed, I put Marian in a taxi with me and told the driver to go to Nairobi Hospital. We had no money left and I knew Nairobi Hospital was expensive; it was where I had been operated on when the ma'alim broke my skull. But I also knew that there they would help us first and ask to pay later. Saving the baby's life had become the only thing that mattered to me. At the reception desk I announced, "This baby is going to die," and the nurse's eyes went wide with horror. She took him and put a drip in his arm, and very slowly, this tiny shape seemed to uncrumple slightly. After a little while, his eyes opened. The nurse said, "The child will live," and told us to deal with the bill at the cash desk. I asked her who her director was, and found him, and told this middle-aged Indian doctor the whole story. I said I couldn't pay the bill. He took it and tore it up. He said it didn't matter. Then he told me how to look after the baby, and where to get rehydration salts, and we took a taxi home. Ma paid for the taxi and looked at me, her eyes round with respect. "Well done," she said. It was a rare compliment. In the next few days the baby began filling out, growing from a crumpled horror-movie image into a real baby, watchful, alive.

To tell the truth, when I first came to the city, I was afraid to board a streetcar because of the conductor; I was afraid to enter the Kabuki Theatre for fear of the usherettes standing along the sides of the red-carpeted staircase at the main entrance; I was afraid to go into a restaurant because I was intimidated by the waiters furtively hovering behind me waiting for my plate to be emptied. Most of all I dreaded paying a bill--my awkwardness when I handed over the money after buying something did not arise from any stinginess, but from excessive tension, excessive embarrassment, excessive uneasiness and apprehension. My eyes would swim in my head, and the whole world grow dark before me, so that I felt half out of my mind.

Why should we pay a percentage of the bill in a restaurant as a tip? If I order a beefburger for £12 and you order a steak for £38 does it require any extra effort on behalf of the waiter to bring your steak from the kitchen than it does to carry my beefburger? No, and yet at 12.5% you’ll pay £4.75 tip while I’ll only be expected to pay £1.50. For the same amount of work. And the same holds true if you order a more expensive bottle of wine than me

I plod sadly through the hours, preparing meals I don’t want, rinsing the dishes and putting them in the dishwasher, collecting the mail and paying the bills. Bao’s psychic presence still remains strong, as does my certainty that he is coming back to me. But as strange as it may sound, it doesn’t matter. Nothing matters. I am surrounded by pain, suffocated by pain, breathless with pain. I can’t imagine how it once felt, not to be in this constant, unrelenting pain.

Diner Customer 1 (Kyle): …I’ll give you one piece of advice, on account of I like you and I don’t want to see you get hurt. First time I went to Vegas, I thought It was the most beautiful place in the world. All lights and neon. And the women --- well, the WOMEN… Anyway, didn’t take me long to figure out the whole place was on the hustle, that none of it was what it looked like, and if you’re not real careful, a place like that can kill you. Bill: Asgard ain’t Vegas, Kyle. Diner Customer 1 (Kyle): No, sir. You’re absolutely right. It isn’t Vegas. ‘Cause in Vegas, even guys like you and me can win once in a while. (Kyle leaves the diner) Diner Customer 2: Pay no attention to him, Bill. A man loses two hundred-fifty dollars on the slots, and he thinks it gives him wisdom. Biggest mistakes I ever made were in listening to guys like that, instead of listening to my own heart… what my granddad used to call “The Tyranny of Reasonable Voices.” Mistakes you make can always be worked out. The mistakes you don’t make because you do nothing, because you don’t try, you don’t risk, those are the ones that haunt you when you get old. Regret, that’s the real killer. Go where your heart leads you, Bill. Life’ll take care of the rest. It always does. - Thor #10 (2007)

But I knew it wasn't just the cute girl on the screen that had made Eunice cry. It was her father laughing, being kind, the family momentarily loving and intact - a cruel side trip into the impossible, an alternate history. The dinner was over. The waiters were clearing the table with resignation and without a word. I knew that, according to tradition, I had to allow Dr. Park to pay for the meal, but I went into my apparat and transferred him three hundred yuan, the total of the bill, out of an unnamed account. I did not want his money. Even if my dreams were realised and I would marry Eunice someday, Dr. Park would always remain to me a stranger. After thirty-nine years of being alive, I had forgiven my own parents for not knowing how to care for a child, but that was the depth of my forgiveness.

You’re going to pay the bill,” said Grahame. “Then I’ll escort you and the young lady out to the car. And we’ll go back to my place, for a proper talk. Any funny business, and I shoot you both. Capiche? “ Fat Charlie capiched. He also capiched who had been driving the black Mercedes that afternoon and just how close he had already come to death that day. He was beginning to capiche how utterly cracked Grahame Coats was and how little chance Daisy and he had of getting out of this alive.

Man, all the time somebody is telling me, ‘Cassius, you know I’m the one who made you.’ I know some guys in Louisville who used to give me a lift to the gym in their car when my motor scooter was broke down. Now they’re trying to tell me they made me, and how not to forget them when I get rich. And my daddy, he tickles me. He says, ‘Don’t listen to the others, boy; I made you.’ He says he made me because he fed me vegetable soup and steak when I was a baby, going without shoes to pay the food bill. Well, he’s my father and I guess more teenagers ought to realize what they owe their folks. But listen here. When you want to talk about who made me, you talk to me. Who made me is me.”3

The store is also lit to the point of painfulness by a ceiling loaded with more fluorescent bulbs than a landing mothership. Shielding my headachey eyes, I make my consumer choices, then head to the counter, where the clerk is wearing sunglasses. I pay the clerk with a five-dollar bill on which I have felt-penned the words: I AM AFRAID OF THE DARK AGES.

Most of the time i had no fucking idea if it would work out. Alll i knew was my instinct was screaming for me to follow its call, so i did. I always do, its how i live my life - logical when i need to pay the bills but also a rare soul who lives entirely on dreams and consistency with everything that sets my soul on fire in a way that most fear to tred.

Your lovin' gives me a thrill But your lovin' don't pay my bills I need money — That's what I want.

Chapter 22 If life is a game, then I've done a poor job of playing it. My time on Earth has been boring and uneventful. I've wasted my youth, sitting around doing nothing when I was full of life and energy. Playing video games, working at simple jobs, trading my time for just enough money to pay the bills and survive; not really learning anything or traveling anywhere.

We obviously don’t live in a perfect world. If we did, then my dad would never have volunteered for Vietnam so he could use the GI Bill to pay for college, Uncle Google would have more important things to do than searching for eight hundred million reasons why our schools suck, and I wouldn’t be at an education leadership conference in Jakarta because there’d be no need for it … right?

No one ever stops to ask glue how it’s holding up. If it’s tired of sticking things together or worried about falling apart or wondering how it will pay its bills next week. Kenji is kind of like that. He’s like glue. He works behind the scenes to keep things together and I’ve never stopped to think about what his story might be. Why he hides behind the jokes and the snark and the snide remarks. But he was right. Everything he said to me was right. Yesterday was a good idea. I needed to get away, to get out, to be productive. And now I need to take Kenji’s advice and get over myself. I need to get my head straight.

Is that a no?" I said. "No. I mean.." He struggled for the smile again. "I'm just waiting for the punch line. Something about making it date so I need to pay. Or you expecting flowers. Or.." He trailed off. "There isn't a punch line," I said. I rose onto my knees and inched over, in front of him. Then I stopped about a foot away. "No punch line, Daniel," I said. "I'm asking if you'll go out with me." He didn't answer. Just reched out, his hand sliding between my hair and face, pulling me toward him and.. And he kissed me. His lips touched mine, tentatively, still unsure, and I eased closer, my arms going around his neck. He kissed me for real then, a long kiss that I felt in the bottom of my soul, a click, some deep part of me saying, "Yes, this is it." Even when the kiss broke off, it didn't end. It was like coming to the surface for a quick gasp of air, then plunging back down again, finding that sweet spot again, and holding onto it for as long as we could. Finally it tapered off, and we were lying on the picnic blanket, side by side, his hand on my hip, kissing slower now, with more breaks for air. until I said, "We should have done that sooner." He smiled, a lazy half smile, and he just looked at me for a moment, our gazes locked, lying there in drowsy happiness, before he said, "I think now's just fine." And he kissed me again, slower and softer now, as we rested there, eyes half closed. "So, about Saturday, did you ask me?" he said after a minute, "Because I'm pretty sure that means yo're paying." "Nope. You were imaging it. Considering how you eat, the meal bill is all yours. But I will spring for the movie. And bring you flowers." He chuckled. "Will you?" "Yep, a dozen pink roses, which you'll have to carry all night or risk offending me." "And what happens if I offend you?" "You don't get any more of this." I leaned in and kissed him again. And we stayed out there, on the blanket, as the sun fell, talking and kissing mostly, just being together. We had a long road ahead of us, and I knew it wasn't going to be easy. But I had everything I wanted-everything I needed-and I'd get through it just fine. We all would.

I’ve spent too many weeks worrying about accepting help from Wes, because I didn’t want to appear weak. And the whole time he’s only been desperate to show how much he loves me. The realization brings a groan from the depths of my chest. “What?” he asks, nuzzling my cheek. “I love you.” “But…?” He chuckles. “But I’m an idiot. Having your dick in my ass has never insulted my manhood. But letting you pay for my hospital bill made me feel crazy.

Jack,” I said thoughtfully, “do you think of women as equals?” He fitted a support bar against the frame. “Yes.” “Do you ever let a woman pay for dinner?” “No.” “Is that why the room-service meal wasn’t on my hotel bill?” “I never let a woman pay for my food. I just said dinner was on you because I knew it was the only way you’d let me stay.” “If you think of women as equals, why didn’t you let me buy you dinner?” “Because I’m the man.” -Ella & Jack

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

I do not love. Love is only for women who are complete. I cannot love while my heart lacks safety and in my wallet there is enough money to pay for a loaf of bread. I cannot kiss you while I am thinking of the house rent and the electricity bills. I cannot behave as a mature woman who can exchange with you phrases of love while my childhood is not yet complete. This is an unfair compromise for safety and for existence.   We only call it love to preserve our dignity.

I try to do what makes me happy and safe. Everyone who judges does so from the outside. They don´t help me pay my bills, they don´t come to feed me when I´m sick. Why live for people who don´t care about us unless I´m living in a way they approve of?

New Rule: Republicans must stop pitting the American people against the government. Last week, we heard a speech from Republican leader Bobby Jindal--and he began it with the story that every immigrant tells about going to an American grocery store for the first time and being overwhelmed with the "endless variety on the shelves." And this was just a 7-Eleven--wait till he sees a Safeway. The thing is, that "endless variety"exists only because Americans pay taxes to a government, which maintains roads, irrigates fields, oversees the electrical grid, and everything else that enables the modern American supermarket to carry forty-seven varieties of frozen breakfast pastry.Of course, it's easy to tear government down--Ronald Reagan used to say the nine most terrifying words in the Englishlanguage were "I'm from the government and I'm here to help." But that was before "I'm Sarah Palin, now show me the launch codes."The stimulus package was attacked as typical "tax and spend"--like repairing bridges is left-wing stuff. "There the liberals go again, always wanting to get across the river." Folks, the people are the government--the first responders who put out fires--that's your government. The ranger who shoos pedophiles out of the park restroom, the postman who delivers your porn.How stupid is it when people say, "That's all we need: the federal government telling Detroit how to make cars or Wells Fargo how to run a bank. You want them to look like the post office?"You mean the place that takes a note that's in my hand in L.A. on Monday and gives it to my sister in New Jersey on Wednesday, for 44 cents? Let me be the first to say, I would be thrilled if America's health-care system was anywhere near as functional as the post office.Truth is, recent years have made me much more wary of government stepping aside and letting unregulated private enterprise run things it plainly is too greedy to trust with. Like Wall Street. Like rebuilding Iraq.Like the way Republicans always frame the health-care debate by saying, "Health-care decisions should be made by doctors and patients, not government bureaucrats," leaving out the fact that health-care decisions aren't made by doctors, patients, or bureaucrats; they're made by insurance companies. Which are a lot like hospital gowns--chances are your gas isn't covered.

I've always found the thousand dollar dinners more unsettling than the twenty-five-thousand dollar ones --- if someone pays the Republican National Committee twenty-five thousand dollars (or, more likely, fifty per couple) to breathe the same air as Charlie for an hour or two, then it's clear the person has money to spare. What breaks my heart is when it's apparent through their accent or attire that a person isn't well off but has scrimped to attend an event with us. We're not worth it! I want to say. You should have paid off your credit-card bill, invested in your grandchild's college fund, taken a vacation to the Ozarks. Instead, in a few weeks, they receive in the mail a photo with one or both of us, signed by an autopen, which they can frame so that we might grin out into their living room for years to come.

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

I felt the same way about my son until I realized that he couldn't get to school or work or a therapy appointment but he could get to pawn shops, get to his dealers, get whatever drug he wanted, get alcohol, break into houses, get needles — whatever was required. It's a fairly sophisticated process to cook a batch of methamphetamine, but I felt so sorry for him, thinking, He's depressed. He's fragile. He's incapable. Of course I should pay his bill if he winds up in the hospital. Of course I should pay his rent or he'll be on the streets. So for about a year I paid for a comfortable place for him to get high.

•I lost money in every way possible: I misplaced checks and sometimes found them when they were too old to take to the bank. If I did find them in time, I missed out on the interest they could’ve made in my savings account. I paid late fees on bills, even though I had money in the bank — I’d just forgotten to pay them or lost the bill in my piles. I bought new items because they were on sale with a rebate, but forgot to mail the rebate form. •I dealt with chronic health worries because I never scheduled doctor’s appointments. •I lived in constant fear of being “found out” by people who held me in high regard. I always felt others’ trust in me was misplaced. •I suffered from nonstop anxiety, waiting for the other shoe to drop. •I struggled to create a social life in our new home. I either felt I didn’t have time because I needed to catch up and calm some of the chaos, or I wasn’t organized enough to make plans in the first place. •I felt insecure in all my relationships, both personal and professional. •I had nowhere to retreat. My life was such a mess, I had no space to gather my thoughts or be by myself. Chaos lurked everywhere. •I rarely communicated with long-distance friends or family. •I wanted to write a book and publish articles in magazines, yet dedicated almost no time to my creative pursuits.

Failure itself is a relative concept. If my metric had been to become an anarcho-communist revolutionary, then my complete failure to make any money between 2007 and 2008 would have been a raving success. But if, like most people, my metric had been to simply find a first serious job that could pay some bills right out of school, I was a dismal failure.

I watched, for the umpteenth time, James Dean in REBEL WITHOUT A CAUSE. Man oh man, I'm trying my damnedest to recreate the impact that cool cat, Dean, had on the world with the use of ONLY my words. Why? Because I (full disclosure) was an actor at one time in my life and though theatre didn't pay the bills, off-Broadway productions were (and maybe still are) my thing.

Despite their efficiency, some people still wonder about the benefits of habits. The argument goes like this: “Will habits make my life dull? I don’t want to pigeonhole myself into a lifestyle I don’t enjoy. Doesn’t so much routine take away the vibrancy and spontaneity of life?” Hardly. Such questions set up a false dichotomy. They make you think that you have to choose between building habits and attaining freedom. In reality, the two complement each other. Habits do not restrict freedom. They create it. In fact, the people who don’t have their habits handled are often the ones with the least amount of freedom. Without good financial habits, you will always be struggling for the next dollar. Without good health habits, you will always seem to be short on energy. Without good learning habits, you will always feel like you’re behind the curve. If you’re always being forced to make decisions about simple tasks—when should I work out, where do I go to write, when do I pay the bills—then you have less time for freedom. It’s only by making the fundamentals of life easier that you can create the mental space needed for free thinking and creativity.

The waiters were getting tired, and very bored. The Head Waiter came again and pushed the bill on a plate, neatly folded, under Pappy’s eyes. “What’s this?” said Pappy. “Somebody want my autograph? Who’s got a pencil? Anyone got a pencil so that I can sign my autograph?” The waiter coughed. He avoided Celia’s eyes. “It’s the bill, Pappy,” whispered Celia. “The waiter wants you to pay the bill.

Holy One, there is something I wanted to tell you, but there have been errands to run, bills to pay, arrangements to make, meetings to attend, friends to entertain, washing to do . . . and I forget what it is I wanted to say to you, and mostly I forget what I’m about or why. O God, don’t forget me, please, for the sake of Jesus Christ. Eternal One, there is something I wanted to tell you, but my mind races with worrying and watching, with weighing and planning, with rutted slights and pothole grievances, with leaky dreams and leaky plumbing and leaky relationships I keep trying to plug up; and my attention is preoccupied with loneliness, with doubt, and with things I covet; and I forget what it is I want to say to you, and how to say it honestly or how to do much of anything. O God, don’t forget me, please, for the sake of Jesus Christ. Almighty One, there is something I wanted to ask you, but I stumble along the edge of a nameless rage, haunted by a hundred floating fears of terrorists of all kinds, of losing my job, of failing, of getting sick and old, having loved ones die, of dying . . . I forget what the real question is that I wanted to ask, and I forget to listen anyway because you seem unreal and far away, and I forget what it is I have forgotten. O God, don’t forget me, please, for the sake of Jesus Christ . . . O Father . . . in Heaven, perhaps you’ve already heard what I wanted to tell you. What I wanted to ask is forgive me, heal me, increase my courage, please. Renew in me a little of love and faith, and a sense of confidence, and a vision of what it might mean to live as though you were real, and I mattered, and everyone was sister and brother. What I wanted to ask in my blundering way is don’t give up on me, don’t become too sad about me, but laugh with me, and try again with me, and I will with you, too. What I wanted to ask is for peace enough to want and work for more, for joy enough to share, and for awareness that is keen enough to sense your presence here, now, there, then, always.27

Having Bob there gave me a chance to interact with people. They would ask about Bob and I would get a chance to explain my situation at the same time. They would ask where he came from and I’d then be able to explain how we got together and how we were making money to pay our rent, food, electricity and gas bills. People would give me more of a fair hearing. Psychologically, people also began to see me in a different light. Cats are notoriously picky about who they like. And if a cat doesn’t like its owner it will go and find another one. Cats do that all the time. They go and live with somebody else. Seeing me with my cat softened me in their eyes. It humanised me. Especially after I’d been so dehumanised. In some ways it was giving me back my identity. I had been a non-person; I was becoming a person again.

Or, if your out-of-pocket medical expenses amount to $50,000 per night (as they did for my father’s hospital stay at the end of his life), does it really matter whether you’ve saved $10,000 or $50,000 or even $250,000? No, it doesn’t, because the extra $50,000 will buy you one extra night, a night that might well have taken you a year’s worth of work to earn! Similarly, $250,000 saved over however many years will get wiped out in five days. I’m not suggesting that you should rack up large hospital costs with a plan to then stiff the hospital on those bills. What I’m saying is that you can’t pay your way out of high-priced end-of-life medical care; since uninsured medical care is so expensive, it won’t make any real difference for the vast majority of us whether we save for it or not. Either the government will pay for it or you will die.

When we’d all settled down from that first night, Julie found a bag on the porch, which we thought must have been left by the same three girls who had brought me to them. Just like the clues on my skin, I’d only been left with two worldly possessions. The first was a wad of cash that I immediately handed to Ben and Julie as compensation for giving me a home. Most of it went to pay for Akinli’s medical bills, which was fine with me. I didn’t know if there was a word bigger than soul mates, something that meant the feeling of being so connected that it was hard to tell where one person ended and the other began. If there was, that word belonged to Akinli and me. The second thing was a bottle of water. It was so peculiar, this water, a blue that was both dark and brilliant, too thick to see through but still carrying light. No matter the season, it was always cold, and there were tiny shells in it that never settled. Sometimes I slept with it, even though it was cold enough to wake me up if I rolled on it the wrong way. It was the only clue I had to tell me who I had been before the night I was left on the porch, and I loved it second only to Akinli. Somehow, I knew that this love was important, as if treasuring the water meant I treasured myself. And I did. I loved my recovering body, I loved my blue-eyed soul mate, I loved my adopted family. I held the water to my chest, and I loved.

Whatever the final cost of HS2, all those tens of billions could clearly buy lots of things more generally useful to society than a quicker ride to Birmingham. Then there is all the destruction of the countryside. A high-speed rail line offers nothing in the way of charm. It is a motorway for trains. It would create a permanent very noisy, hyper-visible scar across a great deal of classic British countryside, and disrupt and make miserable the lives of hundreds of thousands of people throughout its years of construction. If the outcome were something truly marvellous, then perhaps that would be a justifiable price to pay, but a fast train to Birmingham is never going to be marvellous. The best it can ever be is a fast train to Birmingham. Remarkably, the new line doesn’t hook up to most of the places people might reasonably want to go to. Passengers from the north who need to get to Heathrow will have to change trains at Old Oak Common, with all their luggage, and travel the last twelve miles on another service. Getting to Gatwick will be even harder. If they want to catch a train to Europe, they will have to get off at Euston station and make their way half a mile along the Euston Road to St Pancras. It has actually been suggested that travelators could be installed for that journey. Can you imagine travelling half a mile on travelators? Somebody find me the person who came up with that notion. I’ll get the horsewhip. Now here’s my idea. Why not keep the journey times the same but make the trains so comfortable and relaxing that people won’t want the trip to end? Instead, they could pass the time staring out the window at all the gleaming hospitals, schools, playing fields and gorgeously maintained countryside that the billions of saved pounds had paid for. Alternatively, you could just put a steam locomotive in front of the train, make all the seats inside wooden and have it run entirely by volunteers. People would come from all over the country to ride on it. In either case, if any money was left over, perhaps a little of it could be used to fit trains with toilets that don’t flush directly on to the tracks, so that when I sit on a platform at a place like Cambridge or Oxford glumly eating a WH Smith sandwich I don’t have to watch blackbirds fighting over tattered fragments of human waste and toilet paper. It is, let’s face it, hard enough to eat a WH Smith sandwich as it is.

So I thought it might be interesting, for the length of a book, to consider the ordinary things in life, to notice them for once and treat them as if they were important, too. Looking around my house, I was startled and somewhat appalled to realize how little I knew about the domestic world around me. Sitting at the kitchen table one afternoon, playing idly with the salt and pepper shakers, it occurred to me that I had absolutely no idea why, out of all the spices in the world, we have such an abiding attachment to those two. Why not pepper and cardamom, say, or salt and cinnamon? And why do forks have four tines and not three or five? There must be reasons for these things. Dressing, I wondered why all my suit jackets have a row of pointless buttons on every sleeve. I heard a reference on the radio to someone paying for room and board, and realized that when people talk about room and board, I have no idea what the board is that they are talking about. Suddenly the house seemed a place of mystery to me.

Maybe this is a bad time to bring this up, but you need to pay your credit card bill. It’s maxed out, and you’ve missed the past two due dates. And the thing is—and this is going to sound selfish, because it is—but your Netflix account got suspended, and I was only halfway through season three of Cheers. The laugh track is a bit off-putting, but it’s still a good show. I really love the plot twist that Norm’s nagging wife, Vera, turns out to have been dead for ten years, and Norm has kept her memory alive by continuing a fictional narrative about her. Sam and Diane knew that Vera wasn’t really alive and that Norm was delusional, but in episode seven, when they go to check in on Norm, they find him cuddled up next to her decayed corpse and reading her Lord Byron’s “The First Kiss of Love,” and he’s crying. The stench is unbearable, but less unbearable than the brutal truth of the moment. My point is, I didn’t get to finish watching Cheers because you’re behind on your credit card payments. I need you to deal with that.

Apropos of Mein Kampf, I remember an amusing incident which Ishall relate here, though it is anticipating my story by several years. It took place at the Nazi Party Congress at Nurnberg in 1927. I had been a member of the Party for two-and-a-half years, and presented the annual report. In the course of it I quoted a few phrases from Mein Kampf and this caused a certain sensation. That evening, at dinner with several colleagues Feder Kaufmann Koch and others, they asked me if I had really read the book, with which not one of them seemed to be familiar I admitted having quoted some significant passages from it without bothering my head about the context. This caused general amusement and it was agreed that the first person who joined us who had read Mein Kampf should pay the bill for us all. Gregor answer when he arrived was a resounding no. Goebbels shook his head guiltily, Goering burst into loud laughter and Count Reventlow excused himself on the ground that he had no time. No body had read Mein Kampf, so everybody had to pay his own bill.

Once more I'm out, at one A.M., in some store trying to purchase bedding plants. The cashier woman says, "They're three for five dollars. You sure you need eight?" I"m distracted, looking at this man behind me. She ask, "You're sure you want to cut it off at eight?" This guy behind me in the checkout lane is wearing a sweater vest and his arms bare. He's waiting with a hundred-dollar bill to pay for Twizzlers and a porterhouse steak. Which leads me to look down at my own self. Do I know you?" he asks softly. No," I say, sighing. "Not in the way you mean.

Johnny,the super,stares forward.His new tangerine hair half blinds me above a purple,leopard print shirt.I swing the door wide.“Come in,Johnny.”He eyes Fenris.“I think I’ll stand here,if you don’t mind.Gobbledepoop.”“Yeah, okay.”I lift my purse from the kitchen counter and scrounge for my wallet.Handing Johnny a number of bills, I say, “This should square us, dude. I’ll be out tomorrow.” “Shame.” He flips through the money, his lips silently counting. “You pay on time, and you’re quiet.I like things serene and peaceful.”I glance at his flaming hair. “I can see that about you.

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

New Rule: If you're going to have a rally where hundreds of thousands of people show up, you may as well go ahead and make it about something. With all due respect to my friends Jon Stewart and Stephen Colbert, it seems that if you truly wanted to come down on the side of restoring sanity and reason, you'd side with the sane and the reasonable--and not try to pretend the insanity is equally distributed in both parties. Keith Olbermann is right when he says he's not the equivalent of Glenn Beck. One reports facts; the other one is very close to playing with his poop. And the big mistake of modern media has been this notion of balance for balance's sake, that the left is just as violent and cruel as the right, that unions are just as powerful as corporations, that reverse racism is just as damaging as racism. There's a difference between a mad man and a madman. Now, getting more than two hundred thousand people to come to a liberal rally is a great achievement that gave me hope, and what I really loved about it was that it was twice the size of the Glenn Beck crowd on the Mall in August--although it weight the same. But the message of the rally as I heard it was that if the media would just top giving voice to the crazies on both sides, then maybe we could restore sanity. It was all nonpartisan, and urged cooperation with the moderates on the other side. Forgetting that Obama tried that, and found our there are no moderates on the other side. When Jon announced his rally, he said that the national conversation is "dominated" by people on the right who believe Obama's a socialist, and by people on the left who believe 9/11 was an inside job. But I can't name any Democratic leaders who think 9/11 was an inside job. But Republican leaders who think Obama's socialist? All of them. McCain, Boehner, Cantor, Palin...all of them. It's now official Republican dogma, like "Tax cuts pay for themselves" and "Gay men just haven't met the right woman." As another example of both sides using overheated rhetoric, Jon cited the right equating Obama with Hitler, and the left calling Bush a war criminal. Except thinking Obama is like Hitler is utterly unfounded--but thinking Bush is a war criminal? That's the opinion of Major General Anthony Taguba, who headed the Army's investigation into Abu Ghraib. Republicans keep staking out a position that is farther and farther right, and then demand Democrats meet them in the middle. Which now is not the middle anymore. That's the reason health-care reform is so watered down--it's Bob Dole's old plan from 1994. Same thing with cap and trade--it was the first President Bush's plan to deal with carbon emissions. Now the Republican plan for climate change is to claim it's a hoax. But it's not--I know because I've lived in L.A. since '83, and there's been a change in the city: I can see it now. All of us who live out here have had that experience: "Oh, look, there's a mountain there." Governments, led my liberal Democrats, passed laws that changed the air I breathe. For the better. I'm for them, and not the party that is plotting to abolish the EPA. I don't need to pretend both sides have a point here, and I don't care what left or right commentators say about it, I can only what climate scientists say about it. Two opposing sides don't necessarily have two compelling arguments. Martin Luther King Jr. spoke on that mall in the capital, and he didn't say, "Remember, folks, those southern sheriffs with the fire hoses and the German shepherds, they have a point, too." No, he said, "I have a dream. They have a nightmare. This isn't Team Edward and Team Jacob." Liberals, like the ones on that field, must stand up and be counted, and not pretend we're as mean or greedy or shortsighted or just plain batshit at them. And if that's too polarizing for you, and you still want to reach across the aisle and hold hands and sing with someone on the right, try church.

Then I took another sack and started going through all of the papers on my desk, and in the drawers of the desk. I was fairly ruthless and threw out things I'd been keeping for no good reason, stuff that if I died my unfortunate executor would have no hesitation in throwing out either, because what was he going to do with it... what was he going to do with old love letters, pay slips, gas and electric bills, yellowed typescripts of abandoned articles, instruction manuals for consumer durables I no longer possessed, holiday brochures the holidays of which I hadn't gone on... Jesus, it occurred to me -- as I stuffed all of this garbage into a bag -- the shit we leave behind us for other people to sort out.

We were both seniors in college when we learned she had cancer. By then we weren’t at St. Thomas anymore. We’d both transferred to the University of Minnesota after that first year—she to the Duluth campus, I to the one in Minneapolis—and, much to our amusement, we shared a major. She was double majoring in women’s studies and history, I in women’s studies and English. At night, we’d talk for an hour on the phone. I was married by then, to a good man named Paul. I’d married him in the woods on our land, wearing a white satin and lace dress my mother had sewn. After she got sick, I folded my life down. I told Paul not to count on me. I would have to come and go according to my mother’s needs. I wanted to quit school, but my mother ordered me not to, begging me, no matter what happened, to get my degree. She herself took what she called a break. She only needed to complete a couple more classes to graduate, and she would, she told me. She would get her BA if it killed her, she said, and we laughed and then looked at each other darkly. She’d do the work from her bed. She’d tell me what to type and I’d type it. She would be strong enough to start in on those last two classes soon, she absolutely knew. I stayed in school, though I convinced my professors to allow me to be in class only two days each week. As soon as those two days were over, I raced home to be with my mother. Unlike Leif and Karen, who could hardly bear to be in our mother’s presence once she got sick, I couldn’t bear to be away from her. Plus, I was needed. Eddie was with her when he could be, but he had to work. Someone had to pay the bills.

Independent Women Lucy Liu... with my girl, Drew... Cameron D. and Destiny Charlie's Angels, Come on Uh uh uh Question: Tell me what you think about me I buy my own diamonds and I buy my own rings Only ring your cell-y when I'm feelin lonely When it's all over please get up and leave Question: Tell me how you feel about this Try to control me boy you get dismissed Pay my own fun, oh and I pay my own bills Always 50/50 in relationships The shoes on my feet I've bought it The clothes I'm wearing I've bought it The rock I'm rockin' 'Cause I depend on me If I wanted the watch you're wearin' I'll buy it The house I live in I've bought it The car I'm driving I've bought it I depend on me (I depend on me) All the women who are independent Throw your hands up at me All the honeys who makin' money Throw your hands up at me All the mommas who profit dollas Throw your hands up at me All the ladies who truly feel me Throw your hands up at me Girl I didn't know you could get down like that Charlie, how your Angels get down like that Girl I didn't know you could get down like that Charlie, how your Angels get down like that Tell me how you feel about this Who would I want if I would wanna live I worked hard and sacrificed to get what I get Ladies, it ain't easy bein' independent Question: How'd you like this knowledge that I brought Braggin' on that cash that he gave you is to front If you're gonna brag make sure it's your money you flaunt Depend on noone else to give you what you want The shoes on my feet I've bought it The clothes I'm wearing I've bought it The rock I'm rockin' 'Cause I depend on me If I wanted the watch you're wearin' I'll buy it The house I live in I've bought it The car I'm driving I've bought it I depend on me (I depend on me) All the women who are independent Throw your hands up at me All the honeys who makin' money Throw your hands up at me All the mommas who profit dollas Throw your hands up at me All the ladies who truly feel me Throw your hands up at me Girl I didn't know you could get down like that Charlie, how your Angels get down like that Girl I didn't know you could get down like that Charlie, how your Angels get down like that Destiny's Child Wassup? You in the house? Sure 'nuff We'll break these people off Angel style Child of Destiny Independent beauty Noone else can scare me Charlie's Angels Woah All the women who are independent Throw your hands up at me All the honeys who makin' money Throw your hands up at me All the mommas who profit dollas Throw your hands up at me All the ladies who truly feel me Throw your hands up at me Girl I didn't know you could get down like that Charlie, how your Angels get down like that [repeat until fade]

A hundred bucks,cuz.And judging by that spectacular toss over the rail, I'd say you earned it." Wyatt tucked the money into his pocket. "It was pretty spectacular, wasn't it? And it worked. It got the attention of our pretty little medic." Jesse,Amy,and Zane stopped dead in their tracks. Amy laughed. "You did all that to get Lee's attention?" "Nothing else I've tried has worked. I was desperate." Jesse shook his head in disbelief. "Did you ever think about just buying her a beer at the Fortune Saloon? I'd think that would be a whole lot simpler than risking broken bones leaping off a bull." "But not nearly as memorable.The next time she sees me at the saloon, she'll know my name." Zane threw back his head and roared. "So will every shrink from here to Helena. You have to be certifiably nuts to do all that just for the sake of a pretty face." "Hey." Wyatt slapped his cousin on the back. "Whatever works.'" Zane pulled out a roll of bills. "Ten says she's already written you off as someone to avoid at all costs." Wyatt's smile brightened. "Chump change. If you want to bet me, make it a hundred." "You got it." Zane pulled a hundred from the roll and handed it to Jesse. "Now match it, cuz. I was going to bet that you can't persuade Marilee Trainor to even speak to you again. But just to make things interesting, I'm betting that you can't get her to have dinner with you tonight." "Dinner? Tonight? Now you're pushing the limits,cuz. She's already refused me." "Put up or shut up." Wyatt arched a brow. "You want me to kiss and tell?" "I don't say anything about kissing. I don't care what you do,after you get her to have dinner with you.That's the bet. So if you're ready to admit defeat, just give me the hundred now." "Uh-oh." Wyatt stopped dead in his tracks. "Is that a dare?" Amy stood between them,shaking her head. "You sound like two little kids." Wyatt shot her a wicked grin. "Didn't you know that all men are just boys at heart?" He reached into his pocket and handed Zane a bill before he strolled away. Over his shoulder he called, "I'll catch you back at the ranch. You can pay me then." He left his cousins laughing and shaking their heads.

I don't mean to smear our people, but honestly, sometimes I thought the Jews were the worst. Not all, but you know the ones I'm talking about - they weren't like the kids in Oxford Circle, that’s for sure. You sent me off totally fucking unprepared, brother. Not a word of warning. Their doctor and dentist parents worked their way through school, but now they want their babies to go in style. They send them stereos and cars and blank checks. And those were the hippies! Running around in their flowing clothes, their noses surgically tilted in the air! Talking about oppression and the common man, and running off to volunteer at some job, calling it righteous because they don’t have to earn money. Or my favorite, going to summer camp until they’re like forty-five. You’re not a socialist because you sleep in a log cabin and dance in a circle! And who are they angry at, really angry at? Not the Man – they wouldn’t know the Man if he froze their Bloomingdale’s charge cards. No, they’re angry at their parents! The people who fund all this in the first place. If they don’t want their parents, send them my way. I’ve been looking all my life for someone to wipe my ass and pay my bills.

Templates for Protest Letters 1. TO TACKLE A SURPRISE OUT-OF-NETWORK BILL Dear Sir or Madam: The bills enclosed were for out-of-network services performed on __________ during my admission to __________ Medical Center, a hospital that is in my insurance network. I went to __________ Medical Center precisely because it was in my network. I was not informed of these providers’ out-of-network status and did not consent to being treated by any out-of-network providers. Since I did not give informed consent for treatment beyond the terms and network of my insurance policy, I suggest you contact my insurer to work out payment; I will pay only that portion of the bill that I would have paid for in-network services. Please stop this effort to collect a bill I do not owe for a service I was never informed would be out-of-network. If I get another notice, I will report this collection effort to the __________ State Department of Insurance and __________ State Department of Consumer Affairs. Sincerely, 2. TO OBTAIN MEDICAL RECORDS AND ITEMIZED BILLS Dear Sirs or Madam: I have now requested my medical records/itemized bill __________ times and have yet to receive the material. It is my right to receive these

Sharply the menacing wind sweeps over The bending poplars, newly bare, And the dark ribbons of the chimneys Veer downward; flicked by whips of air. Torn posters flutter; coldly sound The boom of trams and the rattle of hooves, And the clerks who hurry to the station Look, shuddering, over the eastern rooves, Thinking, each one, "Here comes the winter! "Please God I keep my job this year!" And bleakly, as the cold strikes through Their entrails like an icy spear, They think of rent, rates, season tickets, Insurance, coal, the skivvy's wages, Boots, school-bills and the next installment Upon the two twin beds from Drage's. For if in careless summer days In groves of Ashtaroth we whored, Repentant now, when winds blow cold, We kneel before our rightful lord; The lord of all, the money-god, Who rules us blood and hand and brain, Who gives the roof that stops the wind, And, giving, takes away again; Who spies with jealous, watchful care, Our thoughts, our dreams, our secret ways, Who picks our words and cuts our clothes, And maps the pattern of our days; Who chills our anger, curbs our hope. And buys our lives and pays with toys, Who claims as tribute broken faith, Accepted insults, muted joys; Who binds with chains the poet's wit, The navvy's strength, the soldier's pride, And lays the sleek, estranging shield Between the lover and his bride.

Subject of Thought Number of Times Thought Occurred per Year (in descending order) L. 580.0 Family 400.0 Brushing tongue 150.0 Earplugs 100.0 Bill-paying 52.0 Panasonic three-wheeled vacuum cleaner, greatness of 45.0 Sunlight makes you cheerful 40.0 Traffic frustration 38.0 Penguin books, all 35.0 Job, should I quit? 34.0 Friends, don't have any 33.0 Marriage, a possibility? 32.0 Vending machines 31.0 Straws don't unsheath well 28.0 Shine on moving objects 25.0 McCartney more talented than Lennon? 23.0 Friends smarter, more capable than I am 19.0 Paper-towel dispensers 19.0 "What oft was thought, but ne'er" etc. 18.0 People are very dissimilar 16.0 Trees, beauty of 15.0 Sidewalks 15.0 Friends are unworthy of me 15.0 Indentical twins separated at birth, studies of traits 14.0 Intelligence, going fast 14.0 Wheelchair ramps, their insane danger 14.0 Urge to kill 13.0 Escalator invention 12.0 People are very similar 12.0 "Not in my backyard" 11.0 Straws float now 10.0 DJ, would I be happy as one? 9.0 "If you can't get out of it, get into it" 9.0 Pen, felt-tip 9.0 Gasoline, nice smell of 8.0 Pen, ballpoint 8.0 Stereo systems 8.0 Fear of getting mugged again 7.0 Staplers 7.0 "Roaches check in, but they don't check out" 6.0 Dinner roll, image of 6.0 Shoes 6.0 Bags 5.0 Butz, Earl 4.0 Sweeping, brooms 4.0 Whistling, yodel trick 4.0 "You can taste it with your eyes" 4.0 Dry-cleaning fluid, smell of 3.0 Zip-lock tops 2.0 Popcorn 1.0 Birds regurgitate food and feed young with it 0.5 Kant, Immanuel 0.5

AN ALKALINE DIET The pH level measures how acid or alkaline something is. Your blood is slightly alkaline, with a pH between 7.35 and 7.45, and your stomach is very acidic, with a pH of 3.5 or below, so it can break down food. Most of the foods we eat release either an acid or an alkaline base in the blood. Acidified body cells become weak, which can lead to unhealthy conditions and diseases. They are robbed of the oxygen and energy needed to support a strong and healthy immune system. I incorporate alkaline foods into my diet every day, and I feel like my energy is soaring. Food literally acts like a battery for the body. Every living thing on this planet is made up of energy, and this includes your food. This energy can be measured in megahertz. Chocolate cake only provides 1 to 3 MHz of energy, while raw almonds have 40 to 50 MHz and green vegetables have 70 to 90 MHz. So if you need 70 MHz of energy on a daily basis to function and you live off junk food and soda, you are creating an energy-deficit crisis in your body. People say it’s expensive to eat healthily. Here’s how I see it: you’re going to pay either way. Either you’re going to pay now for the good foods and feel alive and have a clear mind. Or you’ll save some money now and pay for medicine and hospital bills later. I used to make excuses: I’m getting older, that’s why I feel so tired all the time. But now I know it doesn’t have to be that way. You have to make the conscious decision to nourish your body. Value yourself enough to eat well.

And that unfortunate loss? Was that really an accident,or did you lose deliberately so I wouldn't have to pay the bill?" He shrugged. "My lips are sealed." "I should have known." Once on the open highway he turned on the radio,and they both sang along with Garth as he lamented his papa being a rolling stone. When the song ended,Marilee looked over. "I'll consider that a sermon. According to Garth, a woman would be a fool to lose her heart to a man who'd rather drive a truck than be home with her." Wyatt winked,and in his best imitation of Daffy's smoky voice he said, "Honey, a man may love the open road,but any female with half a brain can figure out how to compete with a truck.Just bat those pretty little red-tipped lashes at any male over the age of twelve, and his brain turns to mush.Next thing you know, instead of revving up his engine, he's on his hands and knees, carrying a toddler on his back around a living room full of toys and baby gear." Though the image was a surprisingly pretty one,Marilee had to wipe tears from her eyes,she was laughing so hard. When she caught her breath she managed to say, "You've got Daffy down so perfectly,you could probably answer the phone at the Fortune Saloon and no one would believe it wasn't her." "She's easy." He chuckled. "I think she's the only female with a voice that's deeper than mine." She looked out the window at the full moon above Treasure Chest Mountain in the distance. "It's a shame to waste such a pretty night.Maybe you ought to pull over and park.We can make out like teenagers." "Not a bad idea." At his arched brow she added, "It would give me a chance to see if I could turn your brain to mush." "Believe it.

The CEO answered by saying the bill was too high, that he’d pay half of it and that they would talk about the rest. After that, he stopped answering her calls. The underlying dynamic was that this guy didn’t like being questioned by anyone, especially a woman. So she and I developed a strategy that showed him she understood where she went wrong and acknowledged his power, while at the same time directing his energy toward solving her problem. The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the negotiator stays calm

As I saw it, there was a 75 percent chance the Fed’s efforts would fall short and the economy would move into failure; a 20 percent chance it would initially succeed at stimulating the economy but still ultimately fail; and a 5 percent chance it would provide enough stimulus to save the economy but trigger hyperinflation. To hedge against the worst possibilities, I bought gold and T-bill futures as a spread against eurodollars, which was a limited-risk way of betting on credit problems increasing. I was dead wrong. After a delay, the economy responded to the Fed’s efforts, rebounding in a noninflationary way. In other words, inflation fell while growth accelerated. The stock market began a big bull run, and over the next eighteen years the U.S. economy enjoyed the greatest noninflationary growth period in its history. How was that possible? Eventually, I figured it out. As money poured out of these borrower countries and into the U.S., it changed everything. It drove the dollar up, which produced deflationary pressures in the U.S., which allowed the Fed to ease interest rates without raising inflation. This fueled a boom. The banks were protected both because the Federal Reserve loaned them cash and the creditors’ committees and international financial restructuring organizations such as the International Monetary Fund (IMF) and the Bank for International Settlements arranged things so that the debtor nations could pay their debt service from new loans. That way everyone could pretend everything was fine and write down those loans over many years. My experience over this period was like a series of blows to the head with a baseball bat. Being so wrong—and especially so publicly wrong—was incredibly humbling and cost me just about everything I had built at Bridgewater. I saw that I had been an arrogant jerk who was totally confident in a totally incorrect view. So there I was after eight years in business, with nothing to show for it. Though I’d been right much more than I’d been wrong, I was all the way back to square one.

I’m telling you, you bastard, you’re going to pay for that rum. In gold or goods, I don’t care which.” “Captain Mallory.” Gray’s baritone was forbidding. “And I apply that title loosely, as you are no manner of captain in my estimation…I have no intention of compensating you for the loss of your cargo. I will, however, accept your thanks.” “My thanks? For what?” “For what?” Now O’Shea entered the mix. “For saving that heap of a ship and your worthless, rum-soaked arse, that’s what.” “I’ll thank you to go to hell,” the gravelly voice answered. Mallory, she presumed. “You can’t just board a man’s craft and pitch a hold full of spirits into the sea. Right knaves, you lot.” “Oh, now we’re the knaves, are we?” Gray asked. “I should have let that ship explode around your ears, you despicable sot. Knaves, indeed.” “Well, if you’re such virtuous, charitable gents, then how come I’m trussed like a pig?” Sophia craned her neck and pushed the hatch open a bit further. Across the deck, she saw a pair of split-toed boots tied together with rope. Gray answered, “We had to bind you last night because you were drunk out of your skull. And we’re keeping you bound now because you’re sober and still out of your skull.” The lashed boots shuffled across the deck, toward Gray. “Let me loose of these ropes, you blackguard, and I’ll pound you straight out of your skull into oblivion.” O’Shea responded with a stream of colorful profanity, which Captain Grayson cut short. “Captain Mallory,” he said, his own highly polished boots pacing slowly, deliberately to halt between Mallory’s and Gray’s. “I understand your concern over losing your cargo. But surely you or your investor can recoup the loss with an insurance claim. You could not have sailed without a policy against fire.” Gray gave an ironic laugh. “Joss, I’ll wager you anything, that rum wasn’t on any bill of lading or insurance policy. Can’t you see the man’s nothing but a smuggler? Probably wasn’t bound for any port at all. What was your destination, Mallory? A hidden cove off the coast of Cornwall, perhaps?” He clucked his tongue. “That ship was overloaded and undermanned, and it would have been a miracle if you’d made it as far as Portugal. As for the rum, take up your complaint with the Vice Admiralty court after you follow us to Tortola. I’d welcome it.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.