Loans In Life Quotes

To find what you seek in the road of life, the best proverb of all is that which says: "Leave no stone unturned.

How can people decide who they want to spend the rest of their life with at this age? I can’t even decide what to have for dinner! I can’t decide if I want to be an actor, even though I’ve already got 35,000 dollars in student loans telling me I sure as hell better want to be an actor.

Remember that all we have is “on loan” from Fortune, which can reclaim it without our permission—indeed, without even advance notice. Thus, we should love all our dear ones, but always with the thought that we have no promise that we may keep them forever—nay, no promise even that we may keep them for long.

Some refuse the loan of life to avoid the debt of death.

We have nothing that is really our own; we hold everything as a loan.

All that history, the love & laughter, is designed for youth. It is what keeps the story of who we are alive from one generation to the next. It ensures our indelible mark in the souls of generations we will never have the pleasure of holding in a warm embrace. Life is short people. Before you know it, another decade will pass, people you love will be lost to this world, and all that will be left of them is what we carry in our hearts." 2011

when I was four years old they tried to test my I.Q. they showed me a picture of 3 oranges and a pear they said, which one is different? it does not belong they taught me different is wrong but when I was 13 years old I woke up one morning thighs covered in blood like a war like a warning that I live in a breakable takeable body an ever-increasingly valuable body that a woman had come in the night to replace me deface me see, my body is borrowed yeah, I got it on loan for the time in between my mom and some maggots I don't need anyone to hold me I can hold my own I got highways for stretchmarks see where I've grown I sing sometimes like my life is at stake 'cause you're only as loud as the noises you make I'm learning to laugh as hard as I can listen 'cause silence is violence in women and poor people if more people were screaming then I could relax but a good brain ain't diddley if you don't have the facts we live in a breakable takeable world an ever available possible world and we can make music like we can make do genius is in a back beat backseat to nothing if you're dancing especially something stupid like I.Q. for every lie I unlearn I learn something new I sing sometimes for the war that I fight 'cause every tool is a weapon - if you hold it right.

...sunlight is (life and day are)only loaned:whereas night is given(night and death and the rain are given;and given is how beautifully snow)

In you i thought i had found, someone to share lifes ups and downs. Friends then lovers, I did it right, each day with you in felt so bright. But i was a fool to think it could last, that for me your heart could beat as fast. Where i gave you my heart for free, you only ever loaned yours to me. In hindsight the warning signs were there, but i was too loved up, too happy to care.

Men are like children, in that, if you spoil them, they become naughty. Therefore it is well not to be too indulgent or charitable with anyone. You may take it as a general rule that you will not lose a friend by refusing him a loan, but that you are very likely to do so by granting it; and, for similar reasons, you will not readily alienate people by being somewhat proud and careless in your behavior; but if you are very kind and complaisant towards them, you will often make them arrogant and intolerable, and so a breach will ensue.

Our life is to be regarded as a loan received from death, with sleep as the daily interest on this loan.

I regret many things in life, and I know I’ll regret many more at the rate I’m going.

There’s so much in your life that you can’t control.… So maybe you can use this chance to do something for yourself.

The most famous lenders in nature are vampire bats. These bats congregate in the thousands inside caves, and every night fly out to look for prey. When they find a sleeping bird or careless mammal, they make a small incision in its skin, and suck its blood. But not all vampire bats find a victim every night. In order to cope with the uncertainty of their life, the vampires loan blood to each other. A vampire that fails to find prey will come home and ask a more fortunate friend to regurgitate some stolen blood. Vampires remember very well to whom they loaned blood, so at a later date if the friend returns home hungry, he will approach his debtor, who will reciprocate the favour. However, unlike human bankers, vampires never charge interest.

Our abode in this world is transitory, our life therein is but a loan... Our breaths are numbered and our indolence is manifest.

I only have one condition,” she warned. Was it the moon she wanted me to give her? I was open to that. I’d give her the sun, too. I just needed a little time, and maybe a loan or two. And definitely good life insurance

My life is on loan, like money borrowed from a bank. God is the lender, and He retains the right to call in the loan any time. Though I am responsible for taking care of it, I do not own this life; it is borrowed. Why should I fear its loss or the loss of anything else in this world when I must surrender it all anyway?

Racism is both overt and covert. It takes two, closely related forms: individual whites acting against individual blacks, and acts by the total white community against the black community. We call these individual racism and institutional racism. The first consists of overt acts by individuals, which cause death, injury or the violent destruction of property. This type can be recorded by television cameras; it can frequently be observed in the process of commission. The second type is less overt, far more subtle, less identifiable in terms of specific individuals committing the acts. But it is no less destructive of human life. The second type originates in the operation of established and respected forces in the society, and thus receives far less public condemnation than the first type. When white terrorists bomb a black church and kill five black children, that is an act of individual racism, widely deplored by most segments of the society. But when in that same city - Birmingham, Alabama - five hundred black babies die each year because of the lack of proper food, shelter and medical facilities, and thousands more are destroyed and maimed physically, emotionally and intellectually because of conditions of poverty and discrimination in the black community, that is a function of institutional racism. When a black family moves into a home in a white neighborhood and is stoned, burned or routed out, they are victims of an overt act of individual racism which many people will condemn - at least in words. But it is institutional racism that keeps black people locked in dilapidated slum tenements, subject to the daily prey of exploitative slumlords, merchants, loan sharks and discriminatory real estate agents. The society either pretends it does not know of this latter situation, or is in fact incapable of doing anything meaningful about it.

If you grant someone a small loan and you never see that person again, consider absolutely worth the payment for his disappearance from your life.

The only dream I ever had was the dream of New York itself, and for me, from the minute I touched down in this city, that was enough. It became the best teacher I ever had. If your mother is anything like mine, after all, there are a lot of important things she probably didn't teach you: how to use a vibrator; how to go to a loan shark and pull a loan at 17 percent that's due in thirty days; how to hire your first divorce attorney; what to look for in a doula (a birth coach) should you find yourself alone and pregnant. My mother never taught me how to date three people at the same time or how to interview a nanny or what to wear in an ashram in India or how to meditate. She also failed to mention crotchless underwear, how to make my first down payment on an apartment, the benefits of renting verses owning, and the difference between a slant-6 engine and a V-8 (in case I wanted to get a muscle car), not to mention how to employ a team of people to help me with my life, from trainers to hair colorists to nutritionists to shrinks. (Luckily, New York became one of many other moms I am to have in my lifetime.) So many mothers say they want their daughters to be independent, but what they really hope is that they'll find a well-compensated banker or lawyer and settle down between the ages of twenty-five and twenty-eight in Greenwich, Darien, or That Town, USA, to raise babies, do the grocery shopping, and work out in relative comfort for the rest of their lives. I know this because I employ their daughters. They raise us to think they want us to have careers, and they send us to college, but even they don't really believe women can be autonomous and take care of themselves.

Occasionally there is a moment in a person's life when he takes a great stride forward in wisdom, humility, or disillusionment. For a split second he comes into a kind of cosmic understanding. For a trembling breath of time he knows all there is to know. He is loaned the gift the poet yearned for - seeing himself as others see him.

she knew she was a reasonably intelligent person, but there’s a difference between being intelligent and knowing what to do with your life, also a difference between knowing that a college degree might change your life and a willingness to actually commit to the terrifying weight of student loans,

THERE HAVE ALWAYS BEEN ITINERANTS, drifters, hobos, restless souls. But now, in the second millennium, a new kind of wandering tribe is emerging. People who never imagined being nomads are hitting the road. They’re giving up traditional houses and apartments to live in what some call “wheel estate”—vans, secondhand RVs, school buses, pickup campers, travel trailers, and plain old sedans. They are driving away from the impossible choices that face what used to be the middle class. Decisions like: Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute? For many the answer seemed radical at first. You can’t give yourself a raise, but what about cutting your biggest expense? Trading a stick-and-brick domicile for life on wheels?

I am shocked to find that some people think a 2 star 'I liked it' rating is a bad rating. What? I liked it. I LIKED it! That means I read the whole thing, to the last page, in spite of my life raining comets on me. It's a good book that survives the reading process with me. If a book is so-so, it ends up under the bed somewhere, or maybe under a stinky judo bag in the back of the van. So a 2 star from me means,yes, I liked the book, and I'd loan it to a friend and it went everywhere in my jacket pocket or purse until I finished it. A 3 star means that I've ignored friends to finish it and my sink is full of dirty dishes. A 4 star means I'm probably in trouble with my editor for missing a deadline because I was reading this book. But I want you to know . . . I don't finish books I don't like. There's too many good ones out there waiting to be found. Robin Hobb, author

Osetim strah kad primetim kako ljudi zive isto svaki dan.

The wise man is grateful for the gifts life has given him, but he also reminds himself that they are merely on loan—everything changes and nothing lasts forever.

Earning a single degree in the USA will lock one up in loan debts prison for life

I was deluded, and I knew it. Worse: my love for Pippa was muddied-up below the waterline with my mother, with my mother's death, with losing my mother and not being able to get her back. All that blind, infantile hunger to save and be saved, to repeat the past and make it different, had somehow attached itself, ravenously, to her. There was an instability in it, a sickness. I was seeing things that weren't there. I was only one step away from some trailer park loner stalking a girl he'd spotted in the mall. For the truth of it was: Pippa and I saw each other maybe twice a year; we e-mailed and texted, though with no great regularity; when she was in town we loaned each other books and went to the movies; we were friends; nothing more. My hopes for a relationship with her were wholly unreal, whereas my ongoing misery, and frustration, were an all-too-horrible reality. Was groundless, hopeless, unrequited obsession any way to waste the rest of my life?

I have a life, I have a future. I’m going to live long enough to enjoy student loan debt.” Miles chuckled. “And you’re happy about debt?” “Yep,” I said. “I’m happy that I’ll be alive to pay it back.

Bruce Lee was proof: not all Asian Men were doomed to a life of being Generic. If there was even one guy who had made it, it was at least theoretically possible for the rest. But easy cases make bad law, and Bruce Lee proved too much. He was a living, breathing video game boss-level, a human cheat code, an idealized avatar of Asian-ness and awesomeness permanently set on Expert difficulty. Not a man so much as a personification, not a mortal so much as a deity on loan to you and your kind for a fixed period of time. A flame that burned for all yellow to understand, however briefly, what perfection was like.

I don't want to spend the rest of my life paying off loans when I don't even like school to begin with.

But what did one own if life, if love, could be taken away to darkness? Was it all not just ... a loan, a leasehold, transitory as candles?

remember that all we have is “on loan” from Fortune, which can reclaim it without our permission—indeed, without even advance notice.

Life is a loan, and we have to return it to the universe.

Bond proceeds contribute to community improvements, enhancing residents' quality of life. Theres a public good aspect there.

I don’t know if I ever liked you,” I say, and bathroom acoustics being what they are, the declaration is magnified and that much more unkind, which makes me feel bad until I see that he is missing a shoe, and I feel it anew, this terrible disappointment in myself that I am happy to take out on him. He is the most obvious thing that has ever happened to me, and all around the city it is happening to other silly, half-formed women excited by men who’ve simply met the prerequisite of living a little more life, a terribly unspecial thing that is just what happens when you keep on getting up and brushing your teeth and going to work and ignoring the whisper that comes to you at night and tells you it would be easier to be dead. So, sure, an older man is a wonder because he has paid thirty-eight years of Con Ed bills and suffered food poisoning and seen the climate reports and still not killed himself, but somehow, after being a woman for twenty-three years, after the ovarian torsion and student loans and newfangled Nazis in button-downs, I too am still alive, and actually this is the more remarkable feat. Instead I let myself be awed by his middling command of the wine list.

If Barack Obama had come up in a time when the drug war was being waged as intensely as it is now, we probably would never have heard of him. A single arrest could have precluded student loans, resulted in jail time, and completely ruined his life, posing a far greater threat to him than the drugs themselves did, including the risk of addiction to marijuana or cocaine.

Poetic Terrorism WEIRD DANCING IN ALL-NIGHT computer-banking lobbies. Unauthorized pyrotechnic displays. Land-art, earth-works as bizarre alien artifacts strewn in State Parks. Burglarize houses but instead of stealing, leave Poetic-Terrorist objects. Kidnap someone & make them happy. Pick someone at random & convince them they're the heir to an enormous, useless & amazing fortune--say 5000 square miles of Antarctica, or an aging circus elephant, or an orphanage in Bombay, or a collection of alchemical mss. ... Bolt up brass commemorative plaques in places (public or private) where you have experienced a revelation or had a particularly fulfilling sexual experience, etc. Go naked for a sign. Organize a strike in your school or workplace on the grounds that it does not satisfy your need for indolence & spiritual beauty. Graffiti-art loaned some grace to ugly subways & rigid public monuments--PT-art can also be created for public places: poems scrawled in courthouse lavatories, small fetishes abandoned in parks & restaurants, Xerox-art under windshield-wipers of parked cars, Big Character Slogans pasted on playground walls, anonymous letters mailed to random or chosen recipients (mail fraud), pirate radio transmissions, wet cement... The audience reaction or aesthetic-shock produced by PT ought to be at least as strong as the emotion of terror-- powerful disgust, sexual arousal, superstitious awe, sudden intuitive breakthrough, dada-esque angst--no matter whether the PT is aimed at one person or many, no matter whether it is "signed" or anonymous, if it does not change someone's life (aside from the artist) it fails. PT is an act in a Theater of Cruelty which has no stage, no rows of seats, no tickets & no walls. In order to work at all, PT must categorically be divorced from all conventional structures for art consumption (galleries, publications, media). Even the guerilla Situationist tactics of street theater are perhaps too well known & expected now. An exquisite seduction carried out not only in the cause of mutual satisfaction but also as a conscious act in a deliberately beautiful life--may be the ultimate PT. The PTerrorist behaves like a confidence-trickster whose aim is not money but CHANGE. Don't do PT for other artists, do it for people who will not realize (at least for a few moments) that what you have done is art. Avoid recognizable art-categories, avoid politics, don't stick around to argue, don't be sentimental; be ruthless, take risks, vandalize only what must be defaced, do something children will remember all their lives--but don't be spontaneous unless the PT Muse has possessed you. Dress up. Leave a false name. Be legendary. The best PT is against the law, but don't get caught. Art as crime; crime as art.

So Lydia grew up with a mother who emphasized the importance of being independent and saving for the future. A mother who had loaned her the money to open her bookstore. Though Lydia had been grateful, she’d never imagined that her mother’s eccentricity might one day save her life.

Today Jackie was following the Troy who was a loan manager at the Last Bank of Night Vale ('We put our customers second, and our apocalyptic prophecies first!'). This Troy had very regular hours, not just at his work but in his life outside of work, and so he was especially easy to tail.

I find refuge in art, escaping thoughts like this, to regain control when life throws another obstacle my way. When I work, magic happens; for a few hours at a time, the world just slips away.

Everything was temporary; she understood that now. All of this was temporary. It would all be snatched away. It was all on loan. Even the people we love. They were all on loan. One day you see their face across a rickety table or you pass them hurrying from here to there, or you see them leave you in your bed, and their profile passes you by...and you don't know...your thoughts somewhere else. And then they are snatched away forever and you did not know to say goodbye. You did not know.

and I feel it anew, this terrible disappointment in myself that I am happy to take out on him. He is the most obvious thing that has ever happened to me, and all around the city it is happening to other silly, half-formed women excited by men who’ve simply met the prerequisite of living a little more life, a terribly unspecial thing that is just what happens when you keep on getting up and brushing your teeth and going to work and ignoring the whisper that comes to you at night and tells you it would be easier to be dead. So, sure, an older man is a wonder because he has paid thirty-eight years of Con Ed bills and suffered food poisoning and seen the climate reports and still not killed himself, but somehow, after being a woman for twenty-three years, after the ovarian torsion and student loans and newfangled Nazis in button-downs, I too am still alive, and actually this is the more remarkable feat. Instead I let myself be awed by his middling command of the wine list.

We inherited a strong and flourishing country, and instead of making the investments - that is, the sacrifices - to maintain it, we chose to suck it dry and stick our children with the bill. If you want to see who is to blame for student debt, just look in the mirror. And if parents find themselves supporting kids beyond their college years, that is only, in the aggregate, a form of compensatory justice: the intergenerational transfer of wealth that should have been effected through taxation.

Male, female, gay, straight, legal, illegal, country of origin—who cares? You can either cook an omelet or you can’t. You can either cook five hundred omelets in three hours—like you said you could, and like the job requires—or you can’t. There’s no lying in the kitchen. The restaurant kitchen may indeed be the last, glorious meritocracy—where anybody with the skills and the heart is welcomed. But if you’re old, or out of shape—or were never really certain about your chosen path in the first place—then you will surely and quickly be removed. Like a large organism’s natural antibodies fighting off an invading strain of bacteria, the life will slowly push you out or kill you off. Thus it is. Thus it shall always be. The ideal progression for a nascent culinary career would be to, first, take a jump straight into the deep end of the pool. Long before student loans and culinary school, take the trouble to find out who you are.

Vincent gave him the twenty. “You don’t think you might be looking for trouble?” Levi thanked Vincent for the loan, but laughed at the question. “Life is trouble, brother. You’ve got to fight for what you want.

What will that mean to each of you? “It will mean that those of you who might have lived to be seventy-one must die at seventy. Some of you who might have lived to be eighty-six must cough up your ghost at eighty-five. That’s a great age. A year more or less doesn’t sound like much. When the time comes, boys, you may regret. But, you will be able to say, this year I spent well, I gave for Pip, I made a loan of life for sweet Pipkin, the fairest apple that ever almost fell too early off the harvest tree. Some of you at forty-nine must cross life off at forty-eight. Some at fifty-five must lay them down to Forever’s Sleep at fifty-four. Do you catch the whole thing intact now, boys? Do you add the figures? Is the arithmetic plain? A year! Who will bid three hundred and sixty-five entire days from out his own soul, to get old Pipkin back? Think, boys. Silence. Then, speak.

John Cassavetes once gave me some advice that has proved invaluable... He said, 'We're good friends, but never, ever do an artistic favor for a friend. Loan friends money, be there for them in every other way, but don't do them any artistic favors, because you've got to have one area of your life where there's no room for compromise.

...affirm my life every morning and let myself have a good day, free myself each night to dream the necessary dreams, find pleasure in serving those I love, give up guilt at refusing to when they demand my self-annihilation, find joy in teaching, joy in talking to loving readers..., give my self time every day to walk or go to a museum, be generous because it reminds me how much abundance I have been given, be loving because it reminds me not to feel jealous of those who only seem to have more, seize my life, release my anger, bless the known and the unknown world.... If, every day, I dare to remember that I am here on loan, that this house, this hillside, these minutes are all leased to me, not given, I will never despair. Despair is for those who expect to live for ever. I no longer do.

While we are postponing, life speeds by. Nothing, Lucilius, is ours, except time. We were entrusted by nature with the ownership of this single thing, so fleeting and slippery that anyone who will can oust us from possession. What fools these mortals be! They allow the cheapest and most useless things, which can easily be replaced, to be charged in the reckoning, after they have acquired them; but they never regard themselves as in debt when they have received some of that precious commodity, – time! And yet time is the one loan which even a grateful recipient cannot repay. You

I found out some time back that it’s idleness breeds all our virtues, our most bearable qualities – contemplation, equableness, laziness, letting other people alone, good digestion mental and physical: the wisdom to concentrate on fleshly pleasures — eating and evacuating and fornication and sitting in the sun — than which there is nothing better, nothing to match, nothing else in all this world but to live for the short time you are loaned breath, to be alive and know it

Someone is watching you right now as you read this. Think about that. The God who loans you life sees your every move, hears each word you speak, and knows your every thought. And this is a good thing. You are seen by God. Noticed. Known.

We never really own anything during our brief stay on earth. God just loans the earth to us while we’re here. It was God’s property before you arrived, and God will loan it to someone else after you die. You just get to enjoy it for a while.

I watched with incredulity as businessmen ran to the government in every crisis, whining for handouts or protection from the very competition that has made this system so productive. I saw Texas ranchers, hit by drought, demanding government-guaranteed loans; giant milk cooperatives lobbying for higher price supports; major airlines fighting deregulation to preserve their monopoly status; giant companies like Lockheed seeking federal assistance to rescue them from sheer inefficiency; bankers, like David Rockefeller, demanding government bailouts to protect them from their ill-conceived investments; network executives, like William Paley of CBS, fighting to preserve regulatory restrictions and to block the emergence of competitive cable and pay TV. And always, such gentlemen proclaimed their devotion to free enterprise and their opposition to the arbitrary intervention into our economic life by the state. Except, of course, for their own case, which was always unique and which was justified by their immense concern for the public interest.

Pick someone in your life you admire. Your grandfather, an old college professor, a friend—it doesn’t matter who, as long as you have total respect for them and you admire their life or accomplishments. Then when you’re about to take a leap, visualize this person at your side, rooting for you, telling you how much they believe in you. Try it when you ask for a raise, or ask someone on a date, or go for a bank loan to start your small business, or do anything scary that takes you outside your comfort zone. We all need a little encouragement and support sometimes.

A debt-free bachelor's degree is, as it turns out, priceless: As Jane Austen puts it, it sets you up forever. My friends were still paying off their school loans in their forties. I never had any school debt at all. Because I had no debt, I could choose my life, and choose my adventure.

Nothing in the community lives in isolation from the rest, not even the queens of the social insects. Nothing lives only in itself, needing nothing from the community. Nothing lives only for itself, owing nothing to the community. Nothing is untouchable or untouched. Every life is on loan from the community from birth and without fail is paid back to the community in death. The community is a web of life, and every strand of the web is a path to all the other strands. Nothing is exempt or excused. Nothing is special. Nothing lives on a strand by itself, unconnected to the rest. As you saw yesterday, nothing is wasted, not a drop of water or a molecule of protein—or the egg of a fly. This is the sweetness and the miracle of it all, Jared. Everything that lives is food for another. Everything that feeds is ultimately itself fed upon or in death returns its substance to the community.

He is the most obvious thing that has ever happened to me, and all around the city it is happening to other silly, half-formed women excited by men who’ve simply met the prerequisite of living a little more life, a terribly unspecial thing that is just what happens when you keep getting up and brushing your teeth and going to work and ignoring the whisper that comes to you at night and tells you it would be easier to be dead. So sure, an older man is a wonder because he has paid thirty-eight years of Con Ed bills and suffered food poisoning and seen the climate reports and still not killed himself, but somehow, after being a woman for twenty-three years, after the ovarian torsion and student loans and newfangled Nazis in button-downs, I too am still alive, and actually this is the more remarkable feat. Instead I let myself be awed by his middling command of the wine list.

Liberty is the act of making the Government Fear what you KNOW!

There are pervasive and powerful marketing forces at work seeking to obscure the idea that such a choice exists. We are relentlessly bombarded with messages telling us that we absolutely need the latest trinket and that we simply must have the most fashionable of currently trending trash. We’re told that if you don’t have the money, no problem. That’s what credit cards and payday loans are for.

[I]f he had to guess, he would say that the reason he doesn't want to loan the book out, to Ethan or anyone else, is because of the part of his personality that is one gigantic record-keeping system, a complex sifting and filing scheme that dictates what goes here and what goes there, turning his life into so many marks on a tablet. His mind would busy itself with the book's whereabouts every second it was away. He knows it would.

There was also more practical inquiry. How should I make a living? How do I get my relatives out of my house? Could you help me postpone payment of this loan? The dervishes had jobs in the workday world: mason, weaver, bookbinder, grocer, hatmaker, tailor, carpenter. They were craftsmen and -women, not renunciates of everyday life, but affirmative makers and ecstatics. Some people call them sufis, or mystics. I say they're on the way of the heart.

good things that we have in life are on temporary loan, at best, and can be taken away from us in an instant. The borderline between good fortune and disaster, between plenitude and paucity, between the warm hearth of love and the cold chamber of loneliness, was a narrow one. We could cross over from one to the other at any moment, as when we stumbled or fell, or simply walked over to the other side because we were paying insufficient attention to where we were.

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 was supposed to be having the time of my life. I was supposed to be the envy of thousands of other college girls jut like me all over America who wanted nothing more than to be tripping bout in those same size seven patent leather shoes I'd bought in Bloomingdale's one lunch hour with a black patent leather belt and black patent leather pocket-book to match. And when my picture came out in the magazine the twelve of us were working on - drinking martinis in a skimpy, imitation silver-lamé bodice stuck on to a big, fat cloud of white tulle, on some Starlight Roof, in the company of several anonymous young men with all-American bone structures hired or loaned for the occasion - everybody would think I must be having a real whirl

Black-on-black crime’ is jargon, violence to language, which vanishes the men who engineered the covenants, who fixed the loans, who planned the projects, who built the streets and sold red ink by the barrel. And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return.

Over time, some ideas do cross the repugnance barrier to become reality. Charging interest on loans. Selling human sperm and eggs. Profiting from a loved one’s premature death. This last example of course describes how life insurance works. Today it is standard practice to wager on your own death in order to provide for your family. Until the mid-nineteenth century, life insurance was considered “a profanation,” as the sociologist Viviana Zelizer writes, “which transformed the sacred event of death into a vulgar commodity.

this was the real quicksand. Debt drew you down deeper and deeper, held you firm, so you never, ever got out no matter how hard you tried. Trickle-down economics? Yeah, right. Only thing that trickled down was that debt. Like piss on your head. And it would run down onto Calla, too. Her last year of high school started next week, and then what? College? At this rate, she’d need a full ride or have to take on predatory student loans for the rest of her life. Debt spackled upon debt, upon debt, upon debt: all mortar, no brick.

A human being can only train for death by leading a life that is morally good; that is—to desire nothing too much; to be content with what one has; to be entirely self-sufficient within oneself, so that whatever one loses, one will still be able to carry on regardless; to do none harm; to realise that it is better to suffer an injury than to inflict one; to accept that life is a loan given by Nature without a due date and that repayment may be demanded at any time; that the most tragic character in the world is a tyrant who has broken all these precepts.

I did not pay much attention, and since it seemed to prolong itself I began to meditate upon the writer’s life. It is full of tribulation. First he must endure poverty and the world’s indifference; then, having achieved a measure of success, he must submit with a good grace to its hazards. He depends upon a fickle public. He is at the mercy of journalists who want to interview him and photographers who want to take his picture, of editors who harry him for copy and tax gatherers who harry him for income tax, of persons of quality who ask him to lunch and secretaries of institutes who ask him to lecture, of women who want to marry him and women who want to divorce him, of youths who want his autograph, actors who want parts and strangers who want a loan, of gushing ladies who want advice on their matrimonial affairs and earnest young men who want advice on their compositions, of agents, publishers, managers, bores, admirers, critics, and his own conscience. But he has one compensation. Whenever he has anything on his mind, whether it be a harassing reflection, grief at the death of a friend, unrequited love, wounded pride, anger at the treachery of someone to whom he has shown kindness, in short any emotion or any perplexing thought, he has only to put it down in black and white, using it as the theme of a story or the decoration of an essay, to forget all about it. He is the only free man.

Cixi’s lack of formal education was more than made up for by her intuitive intelligence, which she liked to use from her earliest years. In 1843, when she was seven, the empire had just finished its first war with the West, the Opium War, which had been started by Britain in reaction to Beijing clamping down on the illegal opium trade conducted by British merchants. China was defeated and had to pay a hefty indemnity. Desperate for funds, Emperor Daoguang (father of Cixi’s future husband) held back the traditional presents for his sons’ brides – gold necklaces with corals and pearls – and vetoed elaborate banquets for their weddings. New Year and birthday celebrations were scaled down, even cancelled, and minor royal concubines had to subsidise their reduced allowances by selling their embroidery on the market through eunuchs. The emperor himself even went on surprise raids of his concubines’ wardrobes, to check whether they were hiding extravagant clothes against his orders. As part of a determined drive to stamp out theft by officials, an investigation was conducted of the state coffer, which revealed that more “than nine million taels of silver had gone missing. Furious, the emperor ordered all the senior keepers and inspectors of the silver reserve for the previous forty-four years to pay fines to make up the loss – whether or not they were guilty. Cixi’s great-grandfather had served as one of the keepers and his share of the fine amounted to 43,200 taels – a colossal sum, next to which his official salary had been a pittance. As he had died a long time ago, his son, Cixi’s grandfather, was obliged to pay half the sum, even though he worked in the Ministry of Punishments and had nothing to do with the state coffer. After three years of futile struggle to raise money, he only managed to hand over 1,800 taels, and an edict signed by the emperor confined him to prison, only to be released if and when his son, Cixi’s father, delivered the balance. The life of the family was turned upside down. Cixi, then eleven years old, had to take in sewing jobs to earn extra money – which she would remember all her life and would later talk about to her ladies-in-waiting in the court. “As she was the eldest of two daughters and three sons, her father discussed the matter with her, and she rose to the occasion. Her ideas were carefully considered and practical: what possessions to sell, what valuables to pawn, whom to turn to for loans and how to approach them. Finally, the family raised 60 per cent of the sum, enough to get her grandfather out of prison. The young Cixi’s contribution to solving the crisis became a family legend, and her father paid her the ultimate compliment: ‘This daughter of mine is really more like a son!’ Treated like a son, Cixi was able to talk to her father about things that were normally closed areas for women. Inevitably their conversations touched on official business and state affairs, which helped form Cixi’s lifelong interest. Being consulted and having her views acted on, she acquired self-confidence and never accepted the com“common assumption that women’s brains were inferior to men’s. The crisis also helped shape her future method of rule. Having tasted the bitterness of arbitrary punishment, she would make an effort to be fair to her officials.

Only once did I make Shireen sit down with me for a formal interview. She talked about the need to rebuild what she called "the culture of resistance" that she remembered experiencing during the Second Intifada, but which had since evaporated, replaced by a dull consumerist individualism, by "this illusion that if I forget about Palestine, build a career, take a loan, buy a car, build a house, watch Arab Idol on TV, it's all be okay; that if they're not raiding *your* house, you're okay." In a culture constructed around a shared goal of liberation, she said, "my house is your house and your son is my son and if they kill me today they will kill you tomorrow." (103)

hold every hour in your grasp. Lay hold of to-day's task, and you will not need to depend so much upon to-morrow's. While we are postponing, life speeds by. Nothing, Lucilius, is ours, except time. We were entrusted by nature with the ownership of this single thing, so fleeting and slippery that anyone who will can oust us from possession. What fools these mortals be! They allow the cheapest and most useless things, which can easily be replaced, to be charged in the reckoning, after they have acquired them; but they never regard themselves as in debt when they have received some of that precious commodity, – time! And yet time is the one loan which even a grateful recipient cannot repay.

If a man has been his mother’s undisputed darling,” Freud wrote, “he retains throughout life the triumphant feeling, the confidence in success, which not seldom brings success with it.” The reverse might also be said, and a man who has been denied maternal esteem has also been denied that easy confidence, that wonderful feeling of triumph, with which the mother’s darling automatically greets every morning. If he does manage to achieve success, he often views it not as a gift, not as a birthright, but as a loan, and for the rest of his life he worries that it may be snatched away and given to someone more deserving. The emotional cost, the tension and the anxiety, may be considerable. Such

The Last Hero The wind blew out from Bergen from the dawning to the day, There was a wreck of trees and fall of towers a score of miles away, And drifted like a livid leaf I go before its tide, Spewed out of house and stable, beggared of flag and bride. The heavens are bowed about my head, shouting like seraph wars, With rains that might put out the sun and clean the sky of stars, Rains like the fall of ruined seas from secret worlds above, The roaring of the rains of God none but the lonely love. Feast in my hall, O foemen, and eat and drink and drain, You never loved the sun in heaven as I have loved the rain. The chance of battle changes -- so may all battle be; I stole my lady bride from them, they stole her back from me. I rent her from her red-roofed hall, I rode and saw arise, More lovely than the living flowers the hatred in her eyes. She never loved me, never bent, never was less divine; The sunset never loved me, the wind was never mine. Was it all nothing that she stood imperial in duresse? Silence itself made softer with the sweeping of her dress. O you who drain the cup of life, O you who wear the crown, You never loved a woman's smile as I have loved her frown. The wind blew out from Bergen to the dawning of the day, They ride and run with fifty spears to break and bar my way, I shall not die alone, alone, but kin to all the powers, As merry as the ancient sun and fighting like the flowers. How white their steel, how bright their eyes! I love each laughing knave, Cry high and bid him welcome to the banquet of the brave. Yea, I will bless them as they bend and love them where they lie, When on their skulls the sword I swing falls shattering from the sky. The hour when death is like a light and blood is like a rose, -- You never loved your friends, my friends, as I shall love my foes. Know you what earth shall lose to-night, what rich uncounted loans, What heavy gold of tales untold you bury with my bones? My loves in deep dim meadows, my ships that rode at ease, Ruffling the purple plumage of strange and secret seas. To see this fair earth as it is to me alone was given, The blow that breaks my brow to-night shall break the dome of heaven. The skies I saw, the trees I saw after no eyes shall see, To-night I die the death of God; the stars shall die with me; One sound shall sunder all the spears and break the trumpet's breath: You never laughed in all your life as I shall laugh in death.

It only took Alexis a day to read a five-hundred page book. Fiction stories took her to another world where she could lose herself for a while in someone else’s life. Its funny how things like loans to pay back, a broken home and family, and a future to worry about meant nothing to characters who only had to worry about things like boys, beaches and fun.

As a country, we take out loans and go to school. We take out loans and buy a car. We take out loans and buy a home. It's not always that we simply "want" these things. Rather, it's often the case that we use our obligations as confirmations that "We're doing something." If we have things to pay for, we need a job. If we have a job, we need a car. If we have such things, we have a life, albeit an ordinary and monotonous life, but a life no less. If we have debt, we have a goal-- we have a reason to get out of bed in the morning. Debt narrows our options. It gives us a good reason to stick it out at a job, sink into sofas, and savor the comforts of the status quo. Debt is sought so we have a game to play, a battle to fight, a mythology to live out. It gives us a script to read, rules to abide by, instructions to follow. And when we see someone who doesn't play by our rules-- someone who's spurned the comforts of hearth and home-- we shift in our chairs and call him or her crazy. We feel a fury for the hobo and the hitchhiker, the hippie and gypsy, the vagrant and nomad-- not because we have any reason to believe these people will do us any harm, but because they make us feel uncomfortable.They remind us of the inner longings we've squelched, the hero or heroine we've buried beneath a houseful of junk, the spirit we've exorcised out of ourselves so we could remain with our feet on the ground, stable and secure.

I guess I'm a "single aristocrat" (dokushin kizoku). This is a category of people in their thirties who have a decent income, but are not obligated to spend it all on family. Usually a man in his thirties or forties would have a family, house, and loan. But we single aristocrats don't. So we spend all our money on hobbies. If I get married, I can't continue this life, unless my future wife is an otaku girl. If she's an otaku and a working woman, we can share space and save money, and thus have more money to spend on hobbies. I have no admiration for the regular "salary-man" (white collar corporate employee) life. I don't want to fully support a woman financially. I like independent women. I'm going to continue my hobby-centered lifestyle no matter what. --Yanai Jun

we discussed this dire problem with education and illusions of academic contribution, with Ivy League universities becoming in the eyes of the new Asian and U.S. upper class a status luxury good. Harvard is like a Vuitton bag or a Cartier watch. It is a huge drag on the middle-class parents who have been plowing an increased share of their savings into these institutions, transferring their money to administrators, real estate developers, professors, and other agents. In the United States, we have a buildup of student loans that automatically transfer to these rent extractors. In a way it is no different from racketeering: one needs a decent university “name” to get ahead in life; but we know that collectively society doesn’t appear to advance with organized education.

Humanistic propaganda screams at us everywhere we go. “You deserve better.” “There’s no one like you.” “Stand up for yourself.” And after a while we start believing the mantra. The most influential culture-shaping document in American history is the Declaration of Independence. And built into the ethos of American society are three inalienable rights: life, liberty, and the pursuit of happiness. I think the wording is ironic: the pursuit of happiness. It’s almost like the architects of modern democracy said, “We guarantee you life, and we promise you liberty. But happiness? Good luck.” America is a social experiment founded on the pursuit of happiness. Hundreds of millions of Americans are chasing down happiness. Money, materialism, sex, romance, religion, family, and fame are all pursuits of the same human craving—joy. But apart from Jesus, we never get there. People spend decades searching high and low for happiness and never land at joy. In an odd twist of fate, America, for all her life and liberty, is one of the most depressed nations in the world. And many of us are mad at God. Somehow we think God owes us. We deserve happiness. We deserve a good, comfortable life, free from pain and suffering. We have rights! Right? The scriptures present a totally different worldview that stands against the humanism of Western Europe. It is written, “By grace you have been saved.”[17] The word grace is (charis) in the Greek, which can be translated as “gift.” All of life is grace. All of life is a gift. Humans have no rights. Everything is a gift. Food, shelter, the clothes on our backs, the oxygen in our lungs—it’s all grace. The entire planet, the sky above us and the ground beneath our feet, is all on loan from the Creator God. We live under his roof, eat his food, and drink his water. We are guests. And we are blessed. A reporter once asked Bob Dylan if he was happy. Dylan’s response was, “These are yuppie words, happiness and unhappiness. It’s not happiness or unhappiness. It’s either blessed or unblessed.”[18] I like that. We are blessed. When you reorient yourself to a biblical worldview, the only posture left to take is gratitude. If all of life is a gift, how could we help but thank God?

Do you remember my friend Fumiko Kobayashi? She loaned me a book by a university professor named Taki Sugiyama Lebra, Japanese Patterns of Behaviour, and she writes that death, particularly voluntary death, is surrounded in this country by a heroic, romantic, aesthetic and emotional aura. She says we often find it hard to communicate and use suicide to make our ideas, or beliefs, or sufferings known. I don't know whether I believe that or not.

A return to classical bank policy would deem loans fraudulent and annul debts when creditors do not lend with any reasonable calculation of how the debt can be paid in the normal course of economic life. Loans made without such a calculation should be considered predatory. The natural check on such behavior is to permit mortgage debtors to walk away from their homes, free of the debts attached to them, letting title revert to the banks that over-lent.

I have often witnessed this at hospital billing counters, where salaried or reasonably well to do people typically have a health insurance to take care of their bills, while a common man loses out. In such a pesky situation, these commoners are compelled to either take loans or sell their personal assets to be able to afford a reasonable medical treatment. Lack of home insurance has always been another concern. People lose out on their entire life’s savings when their homes get whisked away due to calamities.

Slava, working in concert with the philosophy of the nation that had taken them in—good works as the by-product of self-interest—was able to give the descendants at the table, the children and grandchildren, the gift of knowing, at last, the unknown corners of their forebears, all because the forebears stood to make money. How cheaply they fell—the heart’s greatest terrors for a bushel of euros. Slava wasn’t a judge: He was a middleman, a loan shark, an alchemist—he turned lies into facts, words into money, silence into knowledge at last.

The duties, which a man performs as a friend or parent, do not seem merely owing to his benefactor or children; nor can he be wanting to these duties, without breaking through all the ties of nature and morality. A strong inclination may prompt him to the performance: A sentiment of order and moral obligation joins its force to these natural ties: And the whole man, if truly virtuous, is drawn to his duty, without any effort or endeavour. Even with regard to the virtues, which are more austere, and more founded on reflection, such as public spirit, filial duty, temperance, or integrity; the moral obligation, in our apprehension, removes all pretension to religious merit; and the virtuous conduct is deemed no more than what we owe to society and to ourselves. In all this, a superstitious man finds nothing, which he has properly performed for the sake of his deity, or which can peculiarly recommend him to the divine favor and protection. He considers not, that the most genuine method of serving the divinity is by promoting the happiness of his creatures. He still looks out for some immediate service of the supreme Being, in order to allay those terrors, with which he is haunted. And any practice, recommended to him, which either serves to no purpose in life, or offers the strongest violence to his natural inclinations; that practice he will the more readily embrace, on account of those very circumstances, which should make him absolutely reject it. It seems the more purely religious, because it proceeds from no mixture of any other motive or consideration. And if, for its sake, he sacrifices much of his ease and quiet, his claim of merit appears still to rise upon him, in proportion to the zeal and devotion, which he discovers. In restoring a loan, or paying a debt, his divinity is nowise beholden to him; because these acts of justice are what he was bound to perform, and what many would have performed, were there no god in the universe. But if he fast a day, or give himself a sound whipping; this has a direct reference, in his opinion, to the service of God. No other motive could engage him to such austerities. By these distinguished marks of devotion, he has now acquired the divine favor; and may expect, in recompense, protection, and safety in this world, and eternal happiness in the next.

Her husband had pursued an “alternative lifestyle” that was “free of the fetters of capitalism.” The woman herself, when she was in college, had considered the conformist pressures of getting good grades, building a resume, and landing a job in some big corporation to be tedious and distasteful and had thought the life her husband wanted dovetailed with hers. They got married as soon as she graduated, and she got a job right after. She learned quickly that an “alternative lifestyle” meant nothing without a detailed, concrete plan, and living “free of the fetters of capitalism” meant working for places that didn’t pay their workers on time. As she worried about realizing this alternative lifestyle in the real world, she crumbled away under the pressures of working at a company in the non-profit sector that was run not by the normal labor of workers, but through their unrequited sacrifices. Meanwhile, her husband, who was her upperclassman in college but graduated later than she did, fiddled around in search of his ideal “alternative lifestyle” without ever settling down on any particular profession—the result being the twenty-million-won loan he had taken out and used up without her knowledge.

I live here on the Prade Ranch alone-already years beyond the age my mother was when she returned to the ranch-to the particular elements of the earth: soil, water, carbon sky. You can rot or you can burn but either way, if you're lucky, a place will shape and cut and bend you, will strengthen you and weaken you. You trade your life for the privilege of this experience-the joy of a place, the joy of blood family; the joy of knowledge gotten by listening and observing. For most of us, we get stronger slowly, and then get weaker slowly, with our cycles sometimes in synchrony with the land's health, though other times independent of its larger cycles. We watch and listen and notice as the land, the place -life- begins to summon its due from us. It's so subtle...a trace of energy departing here, a trace of impulse missing there. You find yourself as you have always been, square in the middle of the metamorphosis, constantly living and dying: becoming weaker in your strength, finally. Perhaps you notice the soil, the rocks, or the river, taking back some of that which it has loaned to you; or perhaps you see the regeneration occurring in your daughter, if you have one, as she walks around, growing stonger. And you feel for the fir time a sweet absence...

Turns out, I learned a lot from not being able to go to France. Turns out, those days standing on the concrete floor wearing a hairnet, a paper mask and gown, goggles, and plastic gloves, and- with a pair of tweezers- placing two pipe cleaners into a sterile box that came to me down a slow conveyor belt for eight excruciating hours a day taught me something important I couldn't have learned any other way. That job and the fifteen others I had before I graduated college were my own personal "educational opportunities." They changed my life for the better, though it took me a while to understand their worth. They gave me faith in my own abilities. They offered me a unique view of worlds that were both exotic and familiar to me. They kept things in perspective. They pissed me off. They opened my mind to realities I didn't know existed. They forced me to be resilient, to sacrifice, to see how little I knew, and also how much. They put me in close contact with people who could've funded the college educations of ten thousand kids and also with people who would've rightly fallen on the floor laughing had I complained to them about how unfair it was that after I got my degree I'd have this student loan I'd be paying off until I was forty-three. They made my life big. They contributed to an education that money can't buy.

I began to meditate upon the writer’s life. It is full of tribulation. First he must endure poverty and the world’s indifference; then, having achieved a measure of success, he must submit with a good grace to its hazards. He depends upon a fickle public. He is at the mercy of journalists who want to interview him and photographers who want to take his picture, of editors who harry him for copy and tax gatherers who harry him for income tax, of persons of quality who ask him to lunch and secretaries of institutes who ask him to lecture, of women who want to marry him and women who want to divorce him, of youths who want his autograph, actors who want parts and strangers who want a loan, of gushing ladies who want advice on their matrimonial affairs and earnest young men who want advice on their compositions, of agents, publishers, managers, bores, admirers, critics, and his own conscience. But he has one compensation. Whenever he has anything on his mind, whether it be a harassing reflection, grief at the death of a friend, unrequited love, wounded pride, anger at the treachery of someone to whom he has shown kindness, in short any emotion or any perplexing thought, he has only to put it down in black and white, using it as the theme of a story or the decoration of an essay, to forget all about it. He is the only free man.

The most famous lenders in nature are vampire bats. These bats congregate in the thousands inside caves, and every night fly out to look for prey. When they find a sleeping bird or careless mammal, they make a small incision in its skin, and suck its blood. But not all vampire bats find a victim every night. In order to cope with the uncertainty of their life, the vampires loan blood to each other. A vampire that fails to find prey will come home and ask a more fortunate friend to regurgitate some stolen blood. Vampires remember very well to whom they loaned blood, so at a later date if the friend returns home hungry, he will approach his debtor, who will reciprocate the favour.

Since we’ve ruled out another man as the explanation for all this, I can only assume something has gone wrong at Havenhurst. Is that it?” Elizabeth seized on that excuse as if it were manna from heaven. “Yes,” she whispered, nodding vigorously. Leaning down, he pressed a kiss on her forehead and said teasingly, “Let me guess-you discovered the mill overcharged you?” Elizabeth thought she would die of the sweet torment when he continued tenderly teasing her about being thrifty. “Not the mill? Then it was the baker, and he refused to give you a better price for buying two loaves instead of one.” Tears swelled behind her eyes, treacherously close to the surface, and Ian saw them. “That bad?” he joked, looking at the suspicious sheen in her eyes. “Then it must be that you’ve overspent your allowance.” When she didn’t respond to his light probing, Ian smiled reassuringly and said, “Whatever it is, we’ll work it out together tomorrow.” It sounded as though he planned to stay, and that shook Elizabeth out of her mute misery enough to say chokingly, “No-it’s the-the masons. They’re costing much more than I-I expected. I’ve spent part of my personal allowance on them besides the loan you made me for Havenhurst.” “Oh, so it’s the masons,” he grinned, chuckling. “You have to keep your eye on them, to be sure. They’ll put you in the poorhouse if you don’t keep an eye on the mortar they charge you for. I’ll have to talk with them in the morning.” “No!” she burst out, fabricating wildly. “That’s just what has me so upset. I didn’t want you to have to intercede. I wanted to do it all myself. I have it all settled now, but it’s been exhausting. And so I went to the doctor to see why I felt so tired. He-he said there’s nothing in the world wrong with me. I’ll come home to Montmayne the day after tomorrow. Don’t wait here for me. I know how busy you are right now. Please,” she implored desperately, “let me do this, I beg you!” Ian straightened and shook his head in baffled disbelief, “I’d give you my life for the price of your smile, Elizabeth. You don’t have to beg me for anything. I do not want you spending your personal allowance on this place, however. If you do,” he lied teasingly, “I may be forced to cut it off.” Then, more seriously, he said, “If you need more money for Havenhurst, just tell me, but your allowance is to be spent exclusively on yourself. Finish your brandy,” he ordered gently, and when she had, he pressed another kiss on her forehead. “Stay here as long as you must. I have business in Devon that I’ve been putting off because I didn’t want to leave you. I’ll go there and return to London on Tuesday. Would you like to join me there instead of at Montmayne?” Elizabeth nodded. “There’s just one thing more,” he finished, studying her pale face and strained features. “Will you give me your word the doctor didn’t find anything at all to be alarmed about?” “Yes,” Elizabeth said. “I give you my word.” She watched him walk back into his own bed chamber. The moment his door clicked into its latch Elizabeth turned over and buried her face in the pillows. She wept until she thought there couldn’t possibly be any more tears left in her, and then she wept harder. Across the room the door leading out into the hall was opened a crack, and Berta peeked in, then quickly closed it. Turning to Bentner-who’d sought her counsel when Ian slammed the door in his face and ripped into Elizabeth-Berta said miserably, “She’s crying like her heart will break, but he’s not in there anymore.” “He ought to be shot!” Bentner said with blazing contempt. Berta nodded timidly and clutched her dressing robe closer about her. “He’s a frightening man, to be sure, Mr. Bentner.

When, one day, Kamaswami held against him that he had learned everything he knew from him, he replied: “Would you please not kid me with such jokes! What I’ve learned from you is how much a basket of fish costs and how much interests may be charged on loaned money. These are your areas of expertise. I haven’t learned to think from you, my dear Kamaswami, you ought to be the one seeking to learn from me.” Indeed his soul was not with the trade. The business was good enough to provide him with the money for Kamala, and it earned him much more than he needed. Besides this, Siddhartha’s interest and curiosity was only concerned with the people, whose businesses, crafts, worries, pleasures, and acts of foolishness used to be as alien and distant to him as the moon. However easily he succeeded in talking to all of them, in living with all of them, in learning from all of them, he was still aware that there was something which separated him from them and this separating factor was him being a Samana. He saw mankind going through life

What’s it about?” Danny seemed authentically curious. “The night. It’s got its own set of rules.” “Day’s got rules too.” “Oh, I know,” Joe said, “but I don’t like them.” They stared through the mesh at each other for a long time. “I don’t understand,” Danny said softly. “I know you don’t,” Joe said. “You, you buy into all this stuff about good guys and bad guys in the world. A loan shark breaks a guy’s leg for not paying his debt, a banker throws a guy out of his home for the same reason, and you think there’s a difference, like the banker’s just doing his job but the loan shark’s a criminal. I like the loan shark because he doesn’t pretend to be anything else, and I think the banker should be sitting where I’m sitting right now. I’m not going to live some life where I pay my fucking taxes and fetch the boss a lemonade at the company picnic and buy life insurance. Get older, get fatter, so I can join a men’s club in Back Bay, smoke cigars with a bunch of assholes in a back room somewhere, talk about my squash game and my kid’s grades. Die at my desk, and they’ll already have scraped my name off the office door before the dirt’s hit the coffin.” “But that’s life,” Danny said. “That’s a life. You want to play by their rules? Go ahead. But I say their rules are bullshit. I say there are no rules but the ones a man makes for himself.

A legacy of plunder, a network of laws and traditions, a heritage, a Dream, murdered Prince Jones as sure as it murders black people in North Lawndale with frightening regularity. “Black-on-black crime” is jargon, violence to language, which vanishes the men who engineered the covenants, who fixed the loans, who planned the projects, who built the streets and sold red ink by the barrel. And this should not surprise us. The plunder of black life was drilled into this country in its infancy and reinforced across its history, so that plunder has become an heirloom, an intelligence, a sentience, a default setting to which, likely to the end of our days, we must invariably return. The killing fields of Chicago, of Baltimore, of Detroit, were created by the policy of Dreamers, but their weight, their shame, rests solely upon those who are dying in them. There is a great deception in this. To yell “black-on-black crime” is to shoot a man and then shame him for bleeding. And the premise that allows for these killing fields—the reduction of the black body—is no different than the premise that allowed for the murder of Prince Jones. The Dream of acting white, of talking white, of being white, murdered Prince Jones as sure as it murders black people in Chicago with frightening regularity. Do not accept the lie. Do not drink from poison. The same hands that drew red lines around the life of Prince Jones drew red lines around the ghetto.

One extreme possibility might be the situation the French anthropologist Jean-Claude Galey encountered in a region of the eastern Himalayas where as recently as the 1970s, the low-ranking castes—they were referred to as “the vanquished ones,” since they were thought to be descended from a population once conquered by the current landlord caste many centuries before—lived in a situation of permanent debt dependency. Landless and penniless, they were obliged to solicit loans from the landlords simply to find a way to eat—not for the money, since the sums were paltry, but because poor debtors were expected to pay back the interest in the form of work, which meant they were at least provided with food and shelter while they cleaned out their creditors’ outhouses and reroofed their sheds. For the “vanquished”—as for most people in the world, actually—the most significant life expenses were weddings and funerals. These required a good deal of money, which always had to be borrowed. In such cases it was common practice, Galey explains, for high-caste moneylenders to demand one of the borrower’s daughters as security. Often, when a poor man had to borrow money for his daughter’s marriage, the security would be the bride herself. She would be expected to report to the lender’s household after her wedding night, spend a few months there as his concubine, and then, once he grew bored, be sent off to some nearby timber camp, where she would have to spend the next year or two working as a prostitute to pay off her father’s debt. Once accounts were settled, she return to her husband and begin her married life.6

You had a right to vent. I was behaving like a mother hen." "A very sweet mother hen with too many chicks." "I promise to back off." He offered her another bite of pizza. "But I can't promise not to worry." "Fair enough." She kept her hand on his. "It's natural to worry.But you have to trust,too." "You know what I've decided?" He plumped up a pillow and stretched out beside her. "You're even more of a rebel than I am." "You think so?" "Yeah." "Next you'll be loaning me your Harley." "I could be persuaded." He linked his fingers with hers. She stared at their joined hands and sighed. "This is nice." "Yeah.I was just thinking the same thing." He leaned his head back and began chuckling. "What's so funny?" "I've been a bear for the past week. I'd have happily snapped off anybody's head who dared to cross me." "I know what you mean.Fortunately, there was nobody around for me to snap at. I had to content myself with yelling at the talking heads on TV." She paused. "How're you feeling now?" He looked over at her. "What a difference a week makes. The thunderstorm's gone. The cloudy skies. The nasty rain. I'm all sunshine and blue skies and sweet-smelling flowers, thanks to you." "Me,too." She set her wine on the nightstand and leaned over to brush a kiss over his mouth. "I'm so glad you're here,Wyatt.This has been the longest week of my life." His arms came around her,gathering her close.Against her lips he whispered, "Speaking of which, you make me weak." "And you make me..." His kiss cut off her words. As they rolled together, one word played over and over in her mind. Content. Wyatt McCord made her feel content. And safe.And absolutely, completely, thoroughly loved.

Everything and Nothing* There was no one inside him; behind his face (which even in the bad paintings of the time resembles no other) and his words (which were multitudinous, and of a fantastical and agitated turn) there was no more than a slight chill, a dream someone had failed to dream. At first he thought that everyone was like him, but the surprise and bewilderment of an acquaintance to whom he began to describe that hollowness showed him his error, and also let him know, forever after, that an individual ought not to differ from its species. He thought at one point that books might hold some remedy for his condition, and so he learned the "little Latin and less Greek" that a contemporary would later mention. Then he reflected that what he was looking for might be found in the performance of an elemental ritual of humanity, and so he allowed himself to be initiated by Anne Hathaway one long evening in June. At twenty-something he went off to London. Instinctively, he had already trained himself to the habit of feigning that he was somebody, so that his "nobodiness" might not be discovered. In London he found the calling he had been predestined to; he became an actor, that person who stands upon a stage and plays at being another person, for an audience of people who play at taking him for that person. The work of a thespian held out a remarkable happiness to him—the first, perhaps, he had ever known; but when the last line was delivered and the last dead man applauded off the stage, the hated taste of unreality would assail him. He would cease being Ferrex or Tamerlane and return to being nobody. Haunted, hounded, he began imagining other heroes, other tragic fables. Thus while his body, in whorehouses and taverns around London, lived its life as body, the soul that lived inside it would be Cassar, who ignores the admonition of the sibyl, and Juliet, who hates the lark, and Macbeth, who speaks on the moor with the witches who are also the Fates, the Three Weird Sisters. No one was as many men as that man—that man whose repertoire, like that of the Egyptian Proteus, was all the appearances of being. From time to time he would leave a confession in one corner or another of the work, certain that it would not be deciphered; Richard says that inside himself, he plays the part of many, and Iago says, with curious words, I am not what I am. The fundamental identity of living, dreaming, and performing inspired him to famous passages. For twenty years he inhabited that guided and directed hallucination, but one morning he was overwhelmed with the surfeit and horror of being so many kings that die by the sword and so many unrequited lovers who come together, separate, and melodiously expire. That very day, he decided to sell his theater. Within a week he had returned to his birthplace, where he recovered the trees and the river of his childhood and did not associate them with those others, fabled with mythological allusion and Latin words, that his muse had celebrated. He had to be somebody; he became a retired businessman who'd made a fortune and had an interest in loans, lawsuits, and petty usury. It was in that role that he dictated the arid last will and testament that we know today, from which he deliberately banished every trace of sentiment or literature. Friends from London would visit his re-treat, and he would once again play the role of poet for them. History adds that before or after he died, he discovered himself standing before God, and said to Him: I , who have been so many men in vain, wish to be one, to be myself. God's voice answered him out of a whirlwind: I, too, am not I; I dreamed the world as you, Shakespeare, dreamed your own work, and among the forms of my dream are you, who like me, are many, yet no one.

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.

It is the custom in Germany for students to pass from one university to another during the course of their studies—a custom, incidentally, which no other country has. But it would be false to assume that this variety in instruction is a safeguard afainst uniformity of outlook, for although the professors of the various universities fight among themselves, they are all, fundamentally and at heart, in complete agreement. I came to realise this clearly through my contacts with the economists. This must have been about 1929. At that time we published a paper on certain aspects of the economic problem. Immediately a whole company of national economists of all sorts, and from a variety of universities, joined forces and signed a circular in which they unaminously condemned our economic proposals. I made one attempt to have a serious discussion with one of the most renowned of them, and one who was regarded by his colleagues as a revolutionary in economic thought Zwiedineck. The results were disastrous! At the time the State had floated a loan of two million seven hundred thousand marks for the construction of a road. I told Zwiedineck that I regarded this way of financing a project as foolish in the extreme. The life of the road in question would be some fifteen years ; but the amortisation of the capital involved would continue for eighty years. What the Government was really doing was to evade an immediate financial obligation by transferring the charges to the men of the next generation and, indeed, of the generation after. I insisted that nothing could be more unsound, and that what the Government should really do was to take radical steps to reduce the rate of interest and thus to render capital more fluid. I next argued that the gold standard, the fixing of rates of exchange and so forth were shibboleths which I had never regarded and never would regard as weighty and immutable principles of economy. Money, to me, was simply a token of exchange for work done, and its value depended absolutely on the value of the work accomplished. Where money did not represent services rendered, I insisted, it had no value at all. Zwiedineck was horrified and very excited. Such ideas, he declared, would upset the accepted economic principles of the entire world, and the putting of them into practice would cause a breakdown of the world's political economy. When, later, after our assumption of power, I put my theories into practice, the economists were not in the least discountenanced, but calmly set to work to prove by scientific argument that my theories were, indeed, sound economy !

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.