Late Payments Quotes

I love language, words, and all the lovely, exciting, and heart wrenching things you can do with them. Pick the right ones, put them in the right order, and you’ve created a moment in time where the reader forgets about the late car payment, the dirty dishes, the impending workweek. You have created a state of bliss. Or negligence, depending on your perspective.

The Friend of Your Youth is the only friend you will ever have, for he does not really see you. He sees in his mind a face that does not exist anymore, speaks a name – Spike, Bud, Snip, Red, Rusty, Jack, Dave – which belongs to that now nonexistent face but which by some inane doddering confusion of the universe is for the moment attached to a not happily met and boring stranger. But he humors the drooling doddering confusion of the universe and continues to address politely that dull stranger by the name which properly belongs to the boy face and to the time when the boy voice called thinly across the late afternoon water or murmured by a campfire at night or in the middle of a crowded street said, “Gee, listen to this–’On Wenlock Edge the wood’s in trouble; His forest fleece the Wrekin heaves–’” The Friend of Your Youth is your friend because he does not see you anymore. And perhaps he never saw you. What he saw was simply part of the furniture of the wonderful opening world. Friendship was something he suddenly discovered and had to give away as a recognition of and payment for the breathlessly opening world which momently divulged itself like a moonflower. It didn’t matter a damn to whom he gave it, for the fact of giving was what mattered, and if you happened to be handy you were automatically endowed with all the appropriate attributes of a friend and forever after your reality is irrelevant. The Friend of Your Youth is the only friend you will ever have, for he hasn’t the slightest concern with calculating his interest or your virtue. He doesn’t give a damn, for the moment, about Getting Ahead or Needs Must Admiring the Best, the two official criteria in adult friendships, and when the boring stranger appears, he puts out his hand and smiles (not really seeing your face) and speaks your name (which doesn’t really belong to your face), saying, “Well, Jack, damned glad you came, come on in, boy!

In a world of seven billion people, where every inch of land has been mapped, much of it developed, and too much of it destroyed, the sea remains the final unseen, untouched, and undiscovered wilderness, the planet’s last great frontier. There are no mobile phones down there, no e-mails, no tweeting, no twerking, no car keys to lose, no terrorist threats, no birthdays to forget, no penalties for late credit card payments, and no dog shit to step in before a job interview. All the stress, noise, and distractions of life are left at the surface. The ocean is the last truly quiet place on Earth.

So what's your doll's name?" Boo asked me. "Barbie," I said. "All their names are Barbie." "I see," she said. "Well, I'd think that would get boring, everyone having the same name." I thought about this, then said, "Okay, then her name is Sabrina." "Well, that's a very nice name," Boo said. I remember she was baking bread, kneading the dough between her thick fingers. "What does she do?" "Do?" I said. "Yes." She flipped the dough over and started in on it from the other side. "What does she do?" "She goes out with Ken," I said. "And what else?" "She goes to parties," I said slowly. "And shopping." "Oh," Boo said, nodding. "She can't work?" "She doesn't have to work," I said. "Why not?" "Because she's Barbie." "I hate to tell you, Caitlin, but somebody has to make payments on that town house and the Corvette," Boo said cheerfully. "Unless Barbie has a lot of family money." I considered this while I put on Ken's pants. Boo started pushing the dough into a pan, smoothing it with her hand over the top. "You know what I think, Caitlin?" Her voice was soft and nice, the way she always spoke to me. "What?" "I think your Barbie can go shopping, and go out with Ken, and also have a productive and satisfying career of her own." She opened the oven and slid in the bread pan, adjusting its position on the rack. "But what can she do?" My mother didn't work and spent her time cleaning the house and going to PTA. I couldn't imagine Barbie, whose most casual outfit had sequins and go-go boots, doing s.uch things. Boo came over and plopped right down beside me. I always remember her being on my level; she'd sit on the edge of the sandbox, or lie across her bed with me and Cass as we listened to the radio. "Well," she said thoughtfully, picking up Ken and examining his perfect physique. "What do you want to do when you grow up?" I remember this moment so well; I can still see Boo sitting there on the floor, cross- legged, holding my Ken and watching my face as she tried to make me see that between my mother's PTA and Boo's strange ways there was a middle ground that began here with my Barbie, Sab-rina, and led right to me. "Well," I said abruptly, "I want to be in advertising." I have no idea where this came from. "Advertising," Boo repeated, nodding. "Okay. Advertising it is. So Sabrina has to go to work every day, coming up with ideas for commercials and things like that." "She works in an office," I went on. "Sometimes she has to work late." "Sure she does," Boo said. "It's hard to get ahead. Even if you're Barbie." "Because she wants to get promoted," I added. "So she can pay off the town house. And the Corvette." "Very responsible of her," Boo said. "Can she be divorced?" I asked. "And famous for her commercials and ideas?" "She can be anything," Boo told me, and this is what I remember most, her freckled face so solemn, as if she knew she was the first to tell me. "And so can you.

So I was sold at last! A human being sold in the free city of New York! The bill of sale is on record, and future generations will learn from it that women were articles of traffic in New York, late in the nineteenth century of the Christian religion. It may hereafter prove a useful document to antiquaries, who are seeking to measure the progress of civilization in the United States. I well know the value of that bit of paper; but as much as I love freedom, I do not like to look upon it. I am deeply grateful to the generous friend who procured it, but I despise the miscreant who demanded payment for what never rightfully belong to him or his.

A late payment isn’t a crisis if you have 90 days of cash. A staff departure isn’t catastrophic if you’ve cross-trained your team. A software crash isn’t fatal if your systems are backed up and redundant. Risk is always a combination: Hazard × Vulnerability = Impact

None of my enemies in business come close to the awesomely awful power of government. When this assembly of losers choreographs their bureaucratic ballet, it generates a whirling blackhole that sucks harder than a discount hooker trying to catch up on late payments to a loanshark.

AMEX: Don’t leave home without it... ...because 21% interest on your late-payments insure our CEO gets his $21,000,000 annual bonus.

My student loan holders: Pandemic shamdemic.  Your due date is tomorrow.  Don’t make us come looking for you.  We’ll report you to credit bureaus if you’re 23 seconds late with your payment. -N.E. U.S.

Many states utilize “poverty penalties”—piling on additional late fees, payment plan fees, and interest when individuals are unable to pay all their debts at once, often enriching private debt collectors in the process.

Here,” said Autolycus, “is a settlement of curly-bearded, long-robed Assyrians, exiles from their country; and beyond stretches the land of the Chalybeans, a savage tribe famous as iron-workers, with whom I have lately traded. Soon we shall sight an islet, called the Isle of Barter, close to the Chalybean shore, where we of Sinope come in our dug-out canoes, and lay out on the rocks painted Minyan pottery and linen cloth from Colchis and sheepskin coats dyed red with madder or yellow with heather, such as the Chalybeans prize, and spear-shafts painted with vermilion. Then we row away out of sight behind rocks. As soon as we are gone, the Chalybeans venture across to the islet on rafts; they lay down beside our goods broad-bladed, well-tempered spear-heads and axe-heads, also awls and knives and sail-needles, and go away again. If on our return we are satisfied with their goods, we take them up and make for home; but if we are not satisfied, we remove apart from the rest of our merchandise whatever we think is not covered by their payment. The Chalybeans then return again and pay for this extra heap with a few more iron implements. In the end the barter is complete, unless the Chalybeans in a huff take away all their iron goods and let us sail off empty-handed; for they are a capricious race.

Under the contributor mind-set you receive money as payment for your social service. The money you earn is society's way of saying: 'In exchange for your valued contribution, you are hereby granted the right to extract equivalent value from society at a time of your choosing.

She looked at him and he read in her eyes a disappointment that he should have stooped to the dead relative excuse. Yet he was as entitled as the next man to use it. People did it all the time; it was understood that there was a defined window of availability beginning a decent few days after a funeral and continuing for no more than a couple of months. Of course, some people took dreadful advantage and a year later were still hauling around their dead relatives on their backs, showing them off to explain late tax payments and missed dentist appointments: something he would never do.

Bill.' If you don't, I'll do this," and with that he gave me a twitch that I thought would have made me faint. Between this and that, I was so utterly terrified of the blind beggar that I forgot my terror of the captain, and as I opened the parlour door, cried out the words he had ordered in a trembling voice. The poor captain raised his eyes, and at one look the rum went out of him and left him staring sober. The expression of his face was not so much of terror as of mortal sickness. He made a movement to rise, but I do not believe he had enough force left in his body. "Now, Bill, sit where you are," said the beggar. "If I can't see, I can hear a finger stirring. Business is business. Hold out your left hand. Boy, take his left hand by the wrist and bring it near to my right." We both obeyed him to the letter, and I saw him pass something from the hollow of the hand that held his stick into the palm of the captain's, which closed upon it instantly. "And now that's done," said the blind man; and at the words he suddenly left hold of me, and with incredible accuracy and nimbleness, skipped out of the parlour and into the road, where, as I still stood motionless, I could hear his stick go tap-tap-tapping into the distance. It was some time before either I or the captain seemed to gather our senses, but at length, and about at the same moment, I released his wrist, which I was still holding, and he drew in his hand and looked sharply into the palm. "Ten o'clock!" he cried. "Six hours. We'll do them yet," and he sprang to his feet. Even as he did so, he reeled, put his hand to his throat, stood swaying for a moment, and then, with a peculiar sound, fell from his whole height face foremost to the floor. I ran to him at once, calling to my mother. But haste was all in vain. The captain had been struck dead by thundering apoplexy. It is a curious thing to understand, for I had certainly never liked the man, though of late I had begun to pity him, but as soon as I saw that he was dead, I burst into a flood of tears. It was the second death I had known, and the sorrow of the first was still fresh in my heart. 4 The Sea-chest I LOST no time, of course, in telling my mother all that I knew, and perhaps should have told her long before, and we saw ourselves at once in a difficult and dangerous position. Some of the man's money—if he had any—was certainly due to us, but it was not likely that our captain's shipmates, above all the two specimens seen by me, Black Dog and the blind beggar, would be inclined to give up their booty in payment of the dead man's debts. The captain's order to mount at once and ride for Doctor Livesey would have left my mother alone and unprotected, which was not to be thought of. Indeed, it seemed impossible for either of us to remain much longer in the house; the fall of coals in the kitchen grate, the very ticking of the clock, filled us with alarms. The neighbourhood, to our ears, seemed haunted by approaching footsteps; and what between the dead body of the captain on the parlour floor and the thought of that detestable blind beggar hovering near at hand and ready to return, there were moments when, as the saying goes, I jumped in my skin for terror. Something must speedily be resolved upon, and it occurred to us at last to go forth together and seek help in the neighbouring hamlet. No sooner said than done. Bare-headed as we were, we ran out at once in the gathering evening and the frosty fog. The hamlet lay not many hundred yards away, though out of view, on the other side of the next cove; and what greatly encouraged me, it was in an opposite direction from that whence the blind man had made his appearance and whither he had presumably returned. We were not many minutes on the road, though we sometimes stopped to lay hold of each other and hearken. But there was no unusual sound—nothing but the low wash of the ripple and the croaking of the inmates of the wood.

December 8, 1986 Hello John: Thanks for the good letter. I don’t think it hurts, sometimes, to remember where you came from. You know the places where I came from. Even the people who try to write about that or make films about it, they don’t get it right. They call it “9 to 5.” It’s never 9 to 5, there’s no free lunch break at those places, in fact, at many of them in order to keep your job you don’t take lunch. Then there’s OVERTIME and the books never seem to get the overtime right and if you complain about that, there’s another sucker to take your place. You know my old saying, “Slavery was never abolished, it was only extended to include all the colors.” And what hurts is the steadily diminishing humanity of those fighting to hold jobs they don’t want but fear the alternative worse. People simply empty out. They are bodies with fearful and obedient minds. The color leaves the eye. The voice becomes ugly. And the body. The hair. The fingernails. The shoes. Everything does. As a young man I could not believe that people could give their lives over to those conditions. As an old man, I still can’t believe it. What do they do it for? Sex? TV? An automobile on monthly payments? Or children? Children who are just going to do the same things that they did? Early on, when I was quite young and going from job to job I was foolish enough to sometimes speak to my fellow workers: “Hey, the boss can come in here at any moment and lay all of us off, just like that, don’t you realize that?” They would just look at me. I was posing something that they didn’t want to enter their minds. Now in industry, there are vast layoffs (steel mills dead, technical changes in other factors of the work place). They are layed off by the hundreds of thousands and their faces are stunned: “I put in 35 years…” “It ain’t right…” “I don’t know what to do…” They never pay the slaves enough so they can get free, just enough so they can stay alive and come back to work. I could see all this. Why couldn’t they? I figured the park bench was just as good or being a barfly was just as good. Why not get there first before they put me there? Why wait? I just wrote in disgust against it all, it was a relief to get the shit out of my system. And now that I’m here, a so-called professional writer, after giving the first 50 years away, I’ve found out that there are other disgusts beyond the system. I remember once, working as a packer in this lighting fixture company, one of the packers suddenly said: “I’ll never be free!” One of the bosses was walking by (his name was Morrie) and he let out this delicious cackle of a laugh, enjoying the fact that this fellow was trapped for life. So, the luck I finally had in getting out of those places, no matter how long it took, has given me a kind of joy, the jolly joy of the miracle. I now write from an old mind and an old body, long beyond the time when most men would ever think of continuing such a thing, but since I started so late I owe it to myself to continue, and when the words begin to falter and I must be helped up stairways and I can no longer tell a bluebird from a paperclip, I still feel that something in me is going to remember (no matter how far I’m gone) how I’ve come through the murder and the mess and the moil, to at least a generous way to die. To not to have entirely wasted one’s life seems to be a worthy accomplishment, if only for myself. Your boy, Hank

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Hoffman had finally gotten a satisfying answer to this at a dinner with Wences and David Marcus and a few other Valley power players late in 2013. Wences agreed with Hoffman that Bitcoin was unlikely to catch on as a payment method anytime soon. But for now, Wences believed that Bitcoin would first gain popularity as a globally available asset, similar to gold. Like gold, which was also not used in everyday transactions, Bitcoin’s value was as a digital asset where people could store wealth.

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

This was not because he was cowardly and abject, quite the contrary; but for some time past he had been in an overstrained irritable condition, verging on hypochondria. He had become so completely absorbed in himself, and isolated from his fellows that he dreaded meeting, not only his landlady, but anyone at all. He was crushed by poverty, but the anxieties of his position had of late ceased to weigh upon him. He had given up attending to matters of practical importance; he had lost all desire to do so. Nothing that any landlady could do had a real terror for him. But to be stopped on the stairs, to be forced to listen to her trivial, irrelevant gossip, to pestering demands for payment, threats and complaints, and to rack his brains for excuses, to prevaricate, to lie—no, rather than that, he would creep down the stairs like a cat and slip out unseen.

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Somebody had been doing some major league tampering to my car. The brake lines were cut. The tires were on fire. There was carbon monoxide coming out of everything. And the radio was tuned to a station I didn’t like. I had to tip my booby-trapped hat to whoever tampered with this car. I was late with my payments on the car anyway, and it looked like a lot of repair work was going to have to be done no matter how this came out, so I figured let the finance company worry about it. I called them up on my cell phone, told them where the car was, and jumped out. I was going over sixty at the time, but luckily I didn't hit the ground. There was a cliff there and I just went harmlessly over that. But just when you’re sailing along, thinking everything is going to be okay, something unexpected comes along to jar you out of your complacency. For me, in this case, it was the bottom of the cliff. I got bruised up pretty bad – they say I bounced for an hour - but luckily no bones were broken. That's where that protective layer of fat I was telling you about comes in.

Many aspects of the modern financial system are designed to give an impression of overwhelming urgency: the endless ‘news’ feeds, the constantly changing screens of traders, the office lights blazing late into the night, the young analysts who find themselves required to work thirty hours at a stretch. But very little that happens in the finance sector has genuine need for this constant appearance of excitement and activity. Only its most boring part—the payments system—is an essential utility on whose continuous functioning the modern economy depends. No terrible consequence would follow if the stock market closed for a week (as it did in the wake of 9/11)—or longer, or if a merger were delayed or large investment project postponed for a few weeks, or if an initial public offering happened next month rather than this. The millisecond improvement in data transmission between New York and Chicago has no significance whatever outside the absurd world of computers trading with each other. The tight coupling is simply unnecessary: the perpetual flow of ‘information’ part of a game that traders play which has no wider relevance, the excessive hours worked by many employees a tournament in which individuals compete to display their alpha qualities in return for large prizes. The traditional bank manager’s culture of long lunches and afternoons on the golf course may have yielded more useful information about business than the Bloomberg terminal. Lehman

Most of the mortgaged farmers. Most of the white-collar workers who had been unemployed these three years and four and five. Most of the people on relief rolls who wanted more relief. Most of the suburbanites who could not meet the installment payments on the electric washing machine. Such large sections of the American Legion as believed that only Senator Windrip would secure for them, and perhaps increase, the bonus. Such popular Myrtle Boulevard or Elm Avenue preachers as, spurred by the examples of Bishop Prang and Father Coughlin, believed they could get useful publicity out of supporting a slightly queer program that promised prosperity without anyone's having to work for it. The remnants of the Kuklux Klan, and such leaders of the American Federation of Labor as felt they had been inadequately courted and bepromised by the old-line politicians, and the non-unionized common laborers who felt they had been inadequately courted by the same A.F. of L. Back-street and over-the-garage lawyers who had never yet wangled governmental jobs. The Lost Legion of the Anti-Saloon League—since it was known that, though he drank a lot, Senator Windrip also praised teetotalism a lot, while his rival, Walt Trowbridge, though he drank but little, said nothing at all in support of the Messiahs of Prohibition. These messiahs had not found professional morality profitable of late, with the Rockefellers and Wanamakers no longer praying with them nor paying. Besides these necessitous petitioners, a goodish number of burghers who, while they were millionaires, yet maintained that their prosperity had been sorely checked by the fiendishness of the bankers in limiting their credit. These were the supporters who looked to Berzelius Windrip to play the divine raven and feed them handsomely when he should become President, and from such came most of the fervid elocutionists who campaigned for him through September and October.

To be honest? I'd thought myself above them. What a nasty little counter-culture snob I was. There they were, doing their fucking best, trying to have a life, trying to bring up their children decently, struggling to make the payments on the little house, wondering where their youth had gone, where love had gone, what was to become of them and all I could do was be a snotty, judgmental cow. But it was no good. I couldn't be like them. I'd seen too much, done too much that was outside anything they knew. I wasn't better than them, but I was different. We had no point of contact other than work. Even then, they disapproved of my attitude, my ways of dealing with the clients. Many's the time I'd ground my teeth as Andrea or Fran had taken the piss out of some hapless, useless, illiterate get they were assigned to; being funny at the expense of their stupidity, their complete inability to deal with straight society. Sure, I knew it was partly a defence mechanism; they did it because it was laugh or scream, and we were always told it wasn't good to let the clients get too close. But all too often - not always, but enough times to make me seethe with irritation - there was an ingrained, self-serving elitism in there too. Who'd see it better than me? They sealed themselves up in their white-collar world like chrysalides and waited for some kind of reward for being good girls and boys, for playing the game, being a bit of a cut above the messy rest - a reward that didn't exist, would never come and that they would only realise was a lie when it was far too late. Now I would be one of the Others, the clients, the ones who stood outside in the cold and, shivering, looked in at the lighted windows of reason and middle-class respectability. I would be another colossal fuck-up, another dinner party story. But my sin was all the greater because I'd wilfully defected from the right side to the hopelessly, eternally wrong side. I was not only a screw-up, I was a traitor.

Why Does Enterprise Charge $200? Deposit When renting a car from Enterprise, 1-800-259-6095 many customers notice an extra charge of around $200, which can cause confusion. This amount is not a hidden fee but rather a security deposit or hold placed on your credit or debit card. The purpose is to protect the company in case of damages, late returns, fuel shortages, or unpaid balances. Why Enterprise Charges $200: 1. Security Deposit – Enterprise typically 1-800-259-6095 places a refundable hold of around $200–$300 on top of the rental cost to cover incidental charges. 2. Payment Guarantee – If you return the car late, without 1-800-259-6095 enough fuel, or with additional fees, the company can deduct it from the deposit. 3. Risk Management – Car rentals involve high-value assets, so this amount ensures protection for both the company and the customer. 4. Debit Card Users – If paying with a 1-800-259-6095 debit card, Enterprise often requires a higher deposit because there’s no guaranteed credit line like a credit card. 5. Refund Process – After the car is returned in 1-800-259-6095 good condition, the $200 hold is released. Depending on your bank, it may take 3–10 business days for the funds to appear back in your account. Things to Keep in Mind: • The deposit varies by location, vehicle type, and payment method. • Using a major credit card 1-800-259-6095 often speeds up approval and minimizes the required deposit. • Always read the rental agreement carefully before booking. Conclusion Enterprise’s $200 charge is 1-800-259-6095 not an extra rental fee but a temporary refundable hold designed to safeguard the company against potential losses. While 1-800-259-6095 it may seem inconvenient, this standard industry practice ensures both parties are financially protected. To avoid surprises, confirm the deposit policy at your specific rental location and 1-800-259-6095 choose a credit card for faster refunds. Understanding this policy helps renters plan better and prevents unnecessary stress at pickup or return.

A Tale of Two Parking Requirements The impact of parking requirements becomes clearer when we compare the parking requirements of San Francisco and Los Angeles. San Francisco limits off-street parking, while LA requires it. Take, for example, the different parking requirements for concert halls. For a downtown concert hall, Los Angeles requires, as a minimum, fifty times more parking than San Francisco allows as its maximum. Thus the San Francisco Symphony built its home, Louise Davies Hall, without a parking garage, while Disney Hall, the new home of the Los Angeles Philharmonic, did not open until seven years after its parking garage was built. Disney Hall's six-level, 2,188-space underground garage cost $110 million to build (about $50,000 per space). Financially troubled Los Angeles County, which built the garage, went into debt to finance it, expecting that parking revenues would repay the borrowed money. But the garage was completed in 1996, and Disney Hall—which suffered from a budget less grand than its vision—became knotted in delays and didn't open until late 2003. During the seven years in between, parking revenue fell far short of debt payments (few people park in an underground structure if there is nothing above it) and the county, by that point nearly bankrupt, had to subsidize the garage even as it laid employees off. The money spent on parking shifted Disney Hall's design toward drivers and away from pedestrians. The presence of a six-story subterranean garage means most concert patrons arrive from underneath the hall, rather than from the sidewalk. The hall's designers clearly understood this, and so while the hall has a fairly impressive street entrance, its more magisterial gateway is an "escalator cascade" that flows up from the parking structure and ends in the foyer. This has profound implications for street life. A concertgoer can now drive to Disney Hall, park beneath it, ride up into it, see a show, and then reverse the whole process—and never set foot on a sidewalk in downtown LA. The full experience of an iconic Los Angeles building begins and ends in its parking garage, not in the city itself. Visitors to downtown San Francisco have a different experience. When a concert or theater performance lets out in San Francisco, people stream onto the sidewalks, strolling past the restaurants, bars, bookstores, and flower shops that are open and well-lit. For those who have driven, it is a long walk to the car, which is probably in a public facility unattached to any specific restaurant or shop. The presence of open shops and people on the street encourages other people to be out as well. People want to be on streets with other people on them, and they avoid streets that are empty, because empty streets are eerie and menacing at night. Although the absence of parking requirements does not guarantee a vibrant area, their presence certainly inhibits it. "The more downtown is broken up and interspersed with parking lots and garages," Jane Jacobs argued in 1961, "the duller and deader it becomes ... and there is nothing more repellent than a dead downtown.

There is a spurious vitality about all this noise. But under it, when you come back, you can sense another more significant and more enduring vitality. It has been somewhat hammered down of late. The bell ringers and flag fondlers have been busily peddling their notion that to make America Strong, we must march in close and obedient ranks, to the sound of their little tin whistle. The life-adjustment educators, in strange alliance with the hucksters of consumer goods, have been doing their damnedest to make us all think alike, look alike, smell alike and die alike, amidst all the pockety-queek of unserviceable home appliances, our armpits astringent, nasal passages clear, insurance program adequate, sex life satisfying, retirement assured, medical plan comprehensive, hair free of dandruff, time payments manageable, waistline firm, bowels open. But the other vitality is still there, that rancorous, sardonic, wonderful insistence on the right to dissent, to question, to object, to raise holy hell and, in direst extremity, to laugh the self-appointed squad leaders off the face of the earth with great whoops of dirty disdainful glee. Suppress friction and a machine runs fine. Suppress friction, and a society runs down.

A dramatic ageing of the population. Its effects will start being felt in 2005 (from the retirement of numerous groups). Since the government did not foresee and reform the retirement system paid out of each year’s taxes, we know it is already too late. There will not be sufficient funds to furnish allocations and healthcare to seniors and ever higher taxes will be levied on those who are working. The result will necessarily be a generalised lowering of purchasing power and therefore of economic growth based on consumption. The ageing of the population will also rapidly lead — it is already happening — to another frightening effect: a loss of technological skills. There are not enough young minds. 2)  The massive immigration of new battalions from the Third World to palliate these gaps, so desired by the UN, is an imposture. These migrants are unskilled and need social services themselves. They are mouths to feed, not the brains needed in a post-industrial society. Germany wanted to import more than 30,000 engineers that it needs (already), but got only 9,000 Indians. The immigration-colonisation (of which the entire cost is already more than 122 billion euros a year), which will not stop growing, added to the steadily increasing birth rate of the foreigners — most of them, as everyone knows, are not able to earn a good education — will be one more brake on economic prosperity. The current masses of ‘youths’ from Africa and North Africa will for the most part have a choice only between unemployment supported by welfare payments or participation in the parallel and criminal economy. The professional value of the workforce is going to experience a dramatic decline as soon as 2010.

Let’s start with the assumption that all members of a household enjoy an equal standard of living. Measuring poverty by household means that we lack individual level data, but in the late 1970s, the UK government inadvertently created a handy natural experiment that allowed researchers to test the assumption using a proxy measure.16 Until 1977, child benefit in Britain was mainly credited to the father in the form of a tax reduction on his salary. After 1977 this tax deduction was replaced by a cash payment to the mother, representing a substantial redistribution of income from men to women. If money were shared equally within households, this transfer of income ‘from wallet to purse’ should have had no impact on how the money was spent. But it did. Using the proxy measure of how much Britain was spending on clothes, the researchers found that following the policy change the country saw ‘a substantial increase in spending on women’s and children’s clothing, relative to men’s clothing’.

Even Al Capone, the night before his sentencing, was perplexed over the intricacies of public policy. “I’m not complaining, but why don’t they go after all these bankers who took the savings of thousands of poor and lost them in bank failures? How about that? Isn’t it a lot worse to take the last few dollars some small family has saved—perhaps to live on while the head of the family is out of a job—than to sell a little beer?” It was too late to counter views such as Capone’s with the intricate points of preserving the gold standard or the nuances of the balance of payments—the verdict was on display at the soup kitchens for all to see. The men of the shantytowns named “Hoovervilles,” full of makeshift homes that assaulted the dignity of the once-proud workingman, father, and husband, understood this economy as well as any economist.

On April 25, the government decided to act on Claiborne’s recommendation—spending federal money to compensate planters whose slaves had died in the insurrection. They passed an “Act providing for the payment of slaves killed and executed on account of the late insurrection in this Territory.” The act provided $300 per slave killed to each planter, and it also provided one-third of the appraised value of any other property destroyed in the insurrection.

The valuations of private and public companies were soaring, and there seemed to be a consensus that the gold rush was beginning. Amid this infrastructure mania, Reliance Power launched an IPO in January 2008 that was oversubscribed seventy-two times! It made the company’s owner, Anil Ambani, the richest Indian. Despite having a power capacity of less than 1,000 megawatts at the time of the IPO, the company’s value was about $35 billion. Did this lead to a large number of IPOs for infrastructure businesses that investors lapped up hungrily? Does the sun rise in the east? Both private and public equity investors in the hyped-up story of Indian infrastructure forgot or chose to ignore some uncomfortable truths: Every infrastructure business is held hostage to the whims and fancies of the government; the government hates to be a paying customer—underpayment and late payment are the rule, not the exception; and even if the government behaves well, the returns on these projects are capped according to law. So why would we want to spend a single minute debating if any power business is worth investing in?

What American Healthcare Can Learn from Italy: Three Lessons It’s easy. First, learn to live like Italians. Eat their famous Mediterranean diet, drink alcohol regularly but in moderation, use feet instead of cars, stop packing pistols and dropping drugs. Second, flatten out the class structure. Shrink the gap between high and low incomes, raise pensions and minimum wages to subsistence level, fix the tax structure to favor the ninety-nine percent. And why not redistribute lifestyle too? Give working stiffs the same freedom to have kids (maternity leave), convalesce (sick leave), and relax (proper vacations) as the rich. Finally, give everybody access to health care. Not just insurance, but actual doctors, medications, and hospitals. As I write, the future of the Affordable Care Act is uncertain, but surely the country will not fall into the abyss that came before. Once they’ve had a taste of what it’s like not to be one heart attack away from bankruptcy, Americans won’t turn back the clock. Even what is lately being called Medicare for All, considered to be on the fringe left a decade ago and slammed as “socialized medicine,” is now supported by a majority of Americans, according to some polls. In practice, there’s little hope for Italian lessons one and two—the United States is making only baby steps toward improving its lifestyle, and its income inequality is worse every year. But the third lesson is more feasible. Like Italy, we can provide universal access to treatment and medications with minimal point-of-service payments and with prices kept down by government negotiation. Financial arrangements could be single-payer like Medicare or use private insurance companies as intermediaries like Switzerland, without copying the full Italian model of doctors on government salaries. Despite the death by a thousand cuts currently being inflicted on the Affordable Care Act, I am convinced that Americans will no longer stand for leaving vast numbers of the population uninsured, or denying medical coverage to people whose only sin is to be sick. The health care genie can’t be put back in the bottle.

Vera always expected bad news; it was a trait they [Vera and Hap Briscoe] shared, the pessimism of people who have had their full share. Your mother's lost her job, your father's child support payment is late, your crazy brother has knocked out the principal's son, your mother is not speaking to your father again. Pessimism wasn't a negative trait for them. It was a way to consistently feel happier, each mediocre event a triumph over potential calamity.

Armed with the list and the complaint of late bonus payments, Langel told U.S. Soccer they had breached their contract and the players wanted a new one. The federation disagreed and refused to budge, even as it eventually paid the overdue bonuses.

Never mind that Jewish law forbade the charging of interest on loans; the massive fines that were levied on the poor for late payments had basically the same effect.

Think of the flow of friends through Facebook, the flow of renters through Airbnb, the flow of opinions through Twitter, the flow of e-commerce through Amazon, Tencent, and Alibaba, the flow of crowdfunding through Kickstarter, Indiegogo, and GoFundMe, the flow of ideas and instant messages through WhatsApp and WeChat, the flow of peer-to-peer payments and credit through PayPal and Venmo, the flow

Up-front investment to try to professionalize the supply side early on in a network’s development inevitably comes with risk. In a well-publicized misstep for Uber, the company sought to expand its supply side by financing vehicles to provide cars to potential drivers who didn’t own vehicles, a program called XChange Leasing. The hypothesis was that this should push these drivers into power-driver territory quickly. Payments could be automatically deducted from their Uber earnings, and their driver ratings and trip data could be used to underwrite the loans. XChange Leasing unfortunately lost $525 million and failed to professionalize the driver side of the market. The problem was, it attracted drivers highly motivated by money—usually a positive—but who didn’t have high credit scores for good reason. They often failed to make payments, using their Uber-provided car to drive for competitors and avoid the automatic deductions. They would steal the cars and sell them for, say, half price. They would drive for Lyft instead of Uber, as a way to avoid the automatic payment deductions—they would try to have their cake and eat it, too. Uber needed to organize a massive repossession effort to get the cars back, but it was too late—many had been sold illegally, some finding themselves as far away as Iraq and Afghanistan, GPS devices still attached and running. This is a colorful example of how scaling the supply side, when a lot of capital is involved, can be tricky.

The Treasury of Spain informed me that the companies (the criminals) had 365 days to pay me my missing salary of 60,000 Euros, according to an official court decision made in Madrid. However, I was well aware that this would only escalate the danger for both Martina and me. I knew they would not fulfill their payment obligations. They would seek cheaper methods to evade payment and would also attempt to eliminate me without facing any consequences. I was unsure whom to turn to for help. Should I ask the King of Spain, or the leaders of Israel, Brussels, Hungary, Interpol, or the Policia Nacional? How could I protect Martina from these criminals? How could I dismantle Adam's mafia? These thoughts were weighing heavily on my mind as my anticipated final departure from Spain drew near. I received a letter, from Zaragoza. The letter informed me that I owed Zaragoza approximately 1800 euros for fines accrued by Adam. It also mentioned that it had been around 1.5 years since the incident on the highway, where I received fines while I was driving the gypsy caravan. Late fees were added without question. Make it 2000. Additionally, it warned that if I failed to make payment within 15 days of receiving the letter in my mailbox, the authorities would visit me with a court order to seize belongings of mine worth at least 1800 euros. Someone disclosed my „new” address to the Zaragoza Authorities. It is possible that the Correo/Post Office/Postal Service were unable to deliver their correspondence to my previous address on Carrer Cantabria due to my absence after the same expo where the fines were incurred on the highway and the unwanted flooding of the apartment. But now. Delivered. It is possible that the biased Catalan Court, which was known by my side at this point for its corruption and/or incompetence, shared my Barcelona address with the Correo/Postal Service to ensure that the fines reached me. The corrupt and/or incompetent Ciutat de la Justicia, the so called „City of Justice”, the Catalan judicial system did not solely reserve the sharing of my home address for the mafia/s. Everything was not a direct result of the criminals’ conspiracy. But.

The truth is, what I wanted just then was the fantasy version of Hawaii. Rather than schlepping the few miles back to South Beretania Street for a no-frills dinner with the grandparents in front of the evening news, rather than watching Barack sit up late helping Maya figure out her tuition payment plan or talking with his mother about her perpetually-behind-schedule doctoral dissertation about the economics of blacksmithing in rural Indonesia, I would have loved to have sat, just the two of us, unhitched from all obligations in the velvet evening air on the patio of a nearby restaurant, drinking mai tais as the sky over the Pacific went from pink to purple to black. I would have loved, finally, to have tripped off a little giddily to some top-floor honeymoon suite in a hotel. That was how I’d dreamed about Hawaii, back in my office in Chicago as I’d submitted my request to take these precious vacation days off from work. That was what I was trying not to pout about as Barack rolled up the rattan mat and we began the long walk

And it’s no accident, I’d add, that the transsexual is the only thing that trans can describe that queer can’t. The transsexual is not queer; this is the best thing about her. Take Agnes, the pseudonymous transsexual woman who famously posed as intersex at UCLA’s Gender Identity Clinic in the late fifties in order to obtain access to vaginoplasty. Agnes’s case was chronicled by Harold Garfinkel in an article that’s now taught in trans studies courses. Agnes is regularly celebrated as some kind of gender ninja: savvy, tactical, carefully conning the medical-industrial complex into giving her what she wants. What no one wants to talk about is what she actually wanted: a cunt, a man, a house, and normal fucking life. Whatever intuition she may not have had about gender as a “managed achievement” was put toward a down payment on a new dishwasher. If there’s anything Agnes “reveals” about gender, it’s that actually existing normativity is, strictly speaking, impossible. Norms, as such, do not exist. (If Gender Trouble knew this, it did a poor job explaining it.) That doesn’t mean that norms don’t structure people’s desires; what it means is that the desire for the norm consists, in terms of its lived content, in nonnormative attempts at normativity. Agnes was a nonnormative subject, but that wasn’t because she was “against” the norm; on the contrary, her nonnormativity was what wanting to be normal actually looked like. Like most of us, Agnes was making do in the gap between what she wanted and what wanting it got her. We can argue, and people have, about whether queer theory is possible without antinormativity. But whatever comes after trans studies—can I suggest transsexual theory?—will be impossible with antinormativity. The most powerful intervention scholars working in trans studies can make, at this juncture within the academy, is to defend the claim that transness requires that we understand, as we never have before, what it means to be attached to a norm—by desire, by habit, by survival.

Many, including my late grandfather, fled the mother country because of economic hardship from the Opium Wars. England coerced China into accepting the black tar in payment for tea and cracked China open like a ginkgo nut. Old injuries still itch.

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Sometimes it may be a good thing to debunk envy a little. For example: here is a phrase that we have heard a good deal of late: “These services (payments, compensations, or what not) ought not to be made a matter of charity. We have a right to demand that they should be borne by the state.” It sounds splendid; but what does it mean? Now, you and I are the state, and where the bearing of financial burdens is concerned, the taxpayer is the state. The heaviest burden of taxation is, naturally, borne by those who can best afford to pay. When a new burden is imposed, the rich will have to pay most of it. Of the money expended in charity, the greater part—for obvious reasons—is contributed by the rich. Consequently, if the burden hitherto borne by charity is transferred to the shoulders of the taxpayer, it will inevitably continue to be carried by people who no longer pay because they want to—eagerly and for love—but because they must, reluctantly and under pain of fine or imprisonment. The result, roughly speaking, is financially the same; the only difference is the elimination of the two detested virtues of love and gratitude. I do not say for a moment that certain things should not be the responsibility of the state—that is, of everybody. No doubt those who formerly contributed out of love should be very willing to pay a tax instead. But what I see very clearly is the hatred of the gracious act and the determination that nobody shall be allowed any kind of spontaneous pleasure in well-doing if envy can prevent it. “This ointment might have been sold for much and given to the poor.” Then our nostrils would not be offended by any odor of sanctity—the house would not be “filled with the smell of the ointment.” It is the characteristic that it should have been Judas who debunked that act of charity.

In fact, it is arguable that the growing influence of private practitioners within the profession has contributed to the tendency of the profession over the past twenty years to use more of its political clout to push for licensure and vendorship privileges for clinicians than for services to the needy or for better working conditions for public agency social workers. A study by Timothy Lause of the number-one legislative priorities of NASW state chapters during the late 1970s indicates that twothirds of these priorities concerned licensure or third-party payments, while only one-third had to do with social problemsolving policies and services.

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I've put one foot before another and the years have passed, the time marked by late rent payments and the appearance of wrinkles - tiny ones, on the corners of my eyes. They are a reminder of my youth, and of the hourglass that we all live in, grains of sand slipping through the gap of time, each granule adding another wrinkle, another pocket of fat, another sag that I will fight to overcome, another grey hair to pluck or dye.

other times these payments were not applied in a timely manner so as to render the payment ‘late.’ By not applying the payment in a timely manner, BoA could disqualify otherwise qualified homeowners from securing a permanent HAMP modification. Mackler at times

I’m getting dissed way too much lately.” “Probably because you date defense attorneys who think a good wardrobe makes up for that lack-of-brains thing.” “I turned on my chair. “Oh, you know her?” “No, I’ve heard half the mean in the twelfth ward to, though” “Hiss,” I said. “Meow.” She gave me a rueful smile as she lit another cigarette. “Cat’s got to have claws to make it a fight. What I hear, all she’s got is a nice briefcase, great hair, and tits she’s still making monthly payments on.” Her smile widened and she crinkled her face at me. “Okay, pooky?” “How’s Someone?” I said. Her smile faded and she reached into her bag. “Let’s get back to David Wetterau and Karen–” “I hear his name’s Trey,” I said. “You’re dating a guy named Trey, Ange.” “How’d you–” “We’re detectives, remember? Same way you know I was dating Vanessa.” “Vanessa,” she said as if her mouth were filled with onions. “Trey,” I said. “Shut up.” She fumbles with her bag. I drank some Beck’s. “You’re questioning my street cred and you’re sleeping with a guy named Trey.” “I don’t sleep with him anymore.” “Well, I don’t sleep with her anymore.” “Congratulations.” “Back at you.” There was a dead silence between us for a minute as Angie pulled several sheets of thermal fax paper from her bag and smoothed them on the bar. I drank some more Beck’s, fingered the cardboard coaster, felt a grin fighting to break across my face. I glanced at Angie, The corners of her mouth twitched, too. “Don’t look at me,” she said. “Why not?” “I’m telling you–” She lost the battle and closed her eyes as the smile broke across her ceeks. Mine followed about a half second later. “I don’t know why I’m smiling,” Angie said. “Me, either.” “Prick.” “Bitch.” She laughed and turned on her chair, drink in hand. “Miss me?” Like you can’t imagine. “Not a bit,” I said.

For example, in October 2012, Barclaycard asked the Ring community if the company should change its late-fee policy. The existing policy allowed members a three-day grace period before charging a late-payment penalty. Barclaycard proposed eliminating the three-day grace period and allowing one late payment per year. From its analysis, Barclaycard estimated it would generate 15 percent more late-fee revenue, which would result in higher profits for the community. Members voted overwhelmingly to adopt the policy. They were willing to punish those members who were habitually late payers to generate more profit for the community. This behavior may seem counterintuitive, but because most members paid their bills on time, they wouldn’t be adversely affected.

And indeed today as it struggles with its financial crisis, the central issue in Greek politics remains resentment of the influence of Brussels, Germany, the International Monetary Fund, and other external actors, which are seen as pulling strings behind the back of a weak Greek government. Although there is considerable distrust of government in American political culture, by contrast, the basic legitimacy of democratic institutions runs very deep. Distrust of government is related to the Greek inability to collect taxes. Americans loudly proclaim their dislike of taxes, but when Congress mandates a tax, the government is energetic in enforcement. Moreover, international surveys suggest that levels of tax compliance are reasonably high in the United States; higher, certainly, than most European countries on the Mediterranean. Tax evasion in Greece is widespread, with restaurants requiring cash payments, doctors declaring poverty-line salaries, and unreported swimming pools owned by asset-hiding citizens dotting the Athenian landscape. By one account, Greece’s shadow economy—unreported income hidden from the tax authorities—constitutes 29.6 percent of total GDP.24 A second factor has to do with the late arrival of capitalism in Greece. The United States was an early industrializer; the private sector and entrepreneurship remained the main occupations of most Americans. Greece urbanized and took on other trappings of a modern society early on, but it failed to build a strong base of industrial employment. In the absence of entrepreneurial opportunities, Greeks sought jobs in the state sector, and politicians seeking to mobilize votes were happy to oblige. Moreover, the Greek pattern of urbanization in which whole villages moved from the countryside preserved intact rural patronage networks, networks that industry-based development tended to dissolve.

Carlton Church: Japan Finally Acknowledges Negative Nuclear Effects One of the leading sources of news and information, Thomson Reuters, has just reported about Japan’s acknowledgement of casualty caused by the Fukushima nuclear power plant wreckage. However, it may be too late for the victim as the young man, an unnamed worker in his 30s working as a construction contractor in Tokyo Electric Power Co’s Fukushima Daiichi plant and other nuclear facilities, is already suffering from cancer since 2011. The ministry’s recognition of radiation as a possible cause may set back efforts to recover from the disaster, as the government and the nuclear industry have been at pains to say that the health effects from radiation have been minimal. It may also add to compensation payments that had reached more than 7 trillion yen ($59 billion) by July this year. It can also cause a lot of setbacks from a lot of nuclear projects which were supposed to be due in the succeeding years. A streak of legal issues and complaints are also to be faced by Tokyo Electric, mostly on compensations for those affected. According to further reviews, it is estimated removing the melted fuel from the wrecked reactors and cleaning up the site will cost tens of billions of dollars and take decades to complete. Despite the recognition, a lot more people are still anxious. The recognition would mean acknowledgment of possible radiation effects still lingering in Japan’s boundaries. When it was once denied, the public are consoled of the improbability of being exposed to radiation but now that the government has expressed its possibility, many individuals fear of their and their families’ lives. Hundreds of deaths have been attributed to the chaos of evacuations during the crisis and because of the hardship and mental trauma refugees have experienced since then, but the government had said that radiation was not a cause. Yet now, it is different. The trauma and fear are emphasized more. Anti-nuclear organizations, on the other hand, are happy that their warnings are now being regarded. Carlton Church International, one of the non-profit organization campaigning against nuclear proliferation, spokesperson, Abigail Shcumman stated, “I don’t think ‘I told you so’ would be appropriate but that is what I really wanted to say”. She added, “We are pleased that at last, we are being heard. However, we continue to get worried for the people and the children. They are exposed and need guidance on what to do”. - See more at: carltonchurchreview.blogspot.com

The tribute payments, called parias, were so substantial that they provoked a real estate bubble in Aragon that collapsed in the late eleventh century, when the Christian reconquest had dried up the tributes by conquering much of the territory that had paid the tribute.8

Once, complaining that his mother tried to do things that blind people should not attempt, like lighting candles at Christmas, he said, “My mother wants to have her blindness and eat it, too.” I imagined Phil’s mother spooning blindness into her own open mouth like devil’s food cake. But without texture or weight. Bittersweet and rich. Another time he said, regarding his father’s late support checks, that calling him in Texas wouldn’t help, it would just make the checks even later. “It’s a vicious circus,” Phil said. When I asked if he thought that perhaps writing a letter, explaining their situation—the mortgage payment late again, the electric company calling—might help, he said, “I’m virtuously certain it wouldn’t,” looking martyred and older than his years.

And it is certainly true that no Central Bank in recorded history has ever failed. But why not? Because of the sometimes unwritten but very clear rule that it could not be permitted to fail! If governments sometimes allowed private banks to suspend payment, how much more readily would it permit the Central Bank-its own organ-to suspend when in trouble! The precedent was set in Central Banking history when England permitted the Bank of England to suspend in the late eighteenth century, and allowed this suspension for over twenty years.

Christian Consultants of Texas is a real estate company that helps distressed homeowners facing foreclosure to either stay in their homes or relocate. They work with people who have credit issues and late payments on their mortgage and help them find new accommodations.

She was the boring Elgin, switched at birth with an accountant’s daughter. The one who never missed a payment, who only stayed up late to work. The one who never made a bold, life-changing move for passion.

First, let's be clear what I mean by “ask for the cash” and “ride the float.” I mean the following: After (courageously) asking for and getting payment from your customers as early as possible (ideally before you make or deliver what they've agreed to buy) and after convincing your key suppliers to take payment from you as late as possible (perhaps 30 or 60 or 90 days after they've shipped you what you ordered), you'll find your bank account flush with cash, at least until you have to pay your suppliers. While you have that cash in hand—the “float” before you have to pay it to your suppliers—you can use it to grow your business. Buy inventory. Hire people. Buy more Google AdWords. And so on. As your business grows, you then use your future revenue to pay your suppliers and your people, just in time when their bills come due. That's exactly what 19‐year‐old Michael Dell did in 1984 to start Dell Computer. And it's mostly how he grew Dell, too.

By late 1847, it was clear that Mexico had lost the war. With the signing of the Treaty of Guadalupe Hidalgo in February 1848, everything to the west, including all of California, became a part of the United States. The terms of surrender called for an American payment of $15 million for the territory, the same price tag applied to the Louisiana Purchase forty-five years prior. With it, the project for the continental United States had been completed. Destiny had unfolded in Polk’s first term, just as the campaign rhetoric of 1844 had prophesied.

Some areas of opportunity: •   First, stop saying, “Well, this is just the way it is in our industry.” •   Have your available cash reported DAILY, with a short explanation of why it changed in the last 24 hours, and chart it against accounts receivable (AR) and accounts payable (AP) weekly. You’ll learn so much more about your business when you see how the cash is flowing on a daily basis. •   If you want to be paid sooner, ask. Small firms are finding that large companies (and governments!!) will pay considerably faster or even prepay if they simply ask, ask, ask, ask, and ask some more. •   Give value back to customers who pay on time or in advance. •   Get your invoices out more quickly. Hire one more person in accounting to do nothing but make sure invoicing is timely and follow up on payments. •   Send friendly reminders five days before the deadline that payments are due. Many customers are disorganized and will appreciate the reminders, resulting in faster payment. •   If invoices are recurring, obtain recurring credit card authorization from your customers to automate on-time payments. •   Understand why your clients are paying late. They might be unhappy with your product or service. Or perhaps an invoice has recurring mistakes, or it is not structured to flow through the customer’s automated invoicing system. •   Understand each customer’s payment cycles, and time your billings to coincide. •   Pay many of your own expenses with a credit card so you can play the float. Get your own customers to pay by credit card, so they can pay you quickly even if their cash flow is slow. •   Help your customers improve their cash flow so they can pay you on time. Offer them leasing options, for instance. •   Shorten cycles for delivery of your product or service. All of you have some kind of “work in progress.” The faster you complete projects, the faster you get paid. •   Offer a product or service so valuable that you have some leverage with your customers to get them to pay sooner. • Remember, improving margins and profit improves cash.

In the 1990s, on The Late Show with David Letterman, the comedian Jerry Seinfeld discussed this common human plight: I saw an ad. I love this concept of, “No payments until June.” People are like, “Oh June, it will never be June.” They buy things and say to themselves, “The guy in June, he’ll have money somehow.” And I do that with myself. Like late at night, I think, “Well, it’s night, I’m having a good time, I don’t want to go to sleep. I’m Night Guy. Getting up after five hours’ sleep? That’s Morning Guy’s problem. Let him worry about that. I’m Night Guy, I’ve got to party.” Then you get up after five hours of sleep, you’re cranky, you’re exhausted. Night Guy always screws Morning Guy. There’s nothing Morning Guy can do to get back at Night Guy. The only thing Morning Guy could do is try to oversleep so many times that Day Guy loses his job and then Night Guy doesn’t have any more money to go out. Letterman laughed and replied, “You have done an excellent job of crystallizing the dichotomy of modern American life.

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