Money Borrowers Quotes

Infatuation is not quite the same thing as love; it's more like love's shady second cousin who's always borrowing money and can't hold down a job.

People who want to make a million borrow a million first

You cannot bring about prosperity by discouraging thrift. You cannot strengthen the weak by weakening the strong. You cannot help little men by tearing down big men. You cannot lift the wage earner by pulling down the wage payer. You cannot help the poor by destroying the rich. You cannot establish sound security on borrowed money. You cannot further the brotherhood of man by inciting class hatred. You cannot keep out of trouble by spending more than you earn. You cannot build character and courage by destroying men's initiative and independence. And you cannot help men permanently by doing for them what they can and should do for themselves.

My proceeds from the PayPal acquisition were $180 million. I put $100 million in SpaceX, $70m in Tesla, and $10m in Solar City. I had to borrow money for rent.

Always borrow money from a pessimist. He won't expect it back.

The family. We were a strange little band of characters trudging through life sharing diseases and toothpaste, coveting one another's desserts, hiding shampoo, borrowing money, locking each other out of our rooms, inflicting pain and kissing to heal it in the same instant, loving, laughing, defending, and trying to figure out the common thread that bound us all together.

A book lying idle on a shelf is wasted ammunition. Like money, books must be kept in constant circulation. Lend and borrow to the maximum.

Every time you borrow money, you're robbing your future self.

When the federal government spends more each year than it collects in tax revenues, it has three choices: It can raise taxes, print money, or borrow money. While these actions may benefit politicians, all three options are bad for average Americans.

Once again, the 90/10 rule of money applies - 10% of the borrowers in the world use debt to get richer - 90% use debt to get poorer.

I can lend you my money not my books.

Having a teenager is like having a really, really shitty roommate. They eat all your food and steal your clothes and take money out of your purse and borrow your car without asking.

Instead of digging for gold, sell shovels. Instead of taking a class, offer a class. Instead of borrowing money, lend it. Instead of taking a job, hire for jobs. Instead of taking a mortgage, hold a mortgage. Break free from consumption, switch sides, and reorient to the world as producer.

A work of art wastes away and becomes lustreless in surroundings where it has a price but not a value. It radiates only when surrounded by love. It is bound to wilt in a world where the rich have no time and the cultivated no money. But it never harmonizes with borrowed greatness.

The world as a whole has never been richer, and it has never been more heavily in debt, living off borrowed money. The record shows that, for society, the richer we become, the harder it get to live within our means. Abundance is harder for us to handle than scarcity.

He sagged to his knees. He ached all over. It wasn't just that his brain was writing cheques that his body couldn't cash. It had gone beyond that. Now his feet were borrowing money that his legs hadn't got, and his back muscles were looking for loose change under the sofa cushions.

I tell everyone never to take more than a fifteen-year fixed-rate loan, and never have a payment of over 25 percent of your take-home pay. That is the most you should ever borrow.

I have made up my mind that I must have money, Pa. I feel that I can't beg it, borrow it, or steal it; and so I have resolved that I must marry it.

As my father used to say: "There are two sure ways to lose a friend, one is to borrow, the other to lend.

If you don't find a good teacher, find a good book.

Learning money basics. Don't marry for money. You can borrow it cheaper.

If you would know the worth of money, go and try to borrow some.

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?

Saints!” his father gasped. “This city is worse than the guidebooks said!” “Da, it isn’t the city,” Jesper said, pulling the pistol from his coat. “They’re after me. Or after us. Hard to say.” “Who’s after you?” Jesper exchanged a glance with Wylan. Jan Van Eck? A rival gang looking to settle a score? Pekka Rollins or someone else Jesper had borrowed money from? “There’s a long list of potential suitors. We need to get out of here before they introduce themselves more personally.

In fact this is precisely the logic on which the Bank of England—the first successful modern central bank—was originally founded. In 1694, a consortium of English bankers made a loan of £1,200,000 to the king. In return they received a royal monopoly on the issuance of banknotes. What this meant in practice was they had the right to advance IOUs for a portion of the money the king now owed them to any inhabitant of the kingdom willing to borrow from them, or willing to deposit their own money in the bank—in effect, to circulate or "monetize" the newly created royal debt. This was a great deal for the bankers (they got to charge the king 8 percent annual interest for the original loan and simultaneously charge interest on the same money to the clients who borrowed it) , but it only worked as long as the original loan remained outstanding. To this day, this loan has never been paid back. It cannot be. If it ever were, the entire monetary system of Great Britain would cease to exist.

All the same, I should like it all plain and clear," said he obstinately, putting on his business manner (usually reserved for people who tried to borrow money off him), and doing his best to appear wise and prudent and professional and live up to Gandalf's recommendation. "Also I should like to know about risks, out-of-pocket expenses, time required and remuneration, and so forth"--by which he meant: "What am I going to get out of it ? and am I going to come back alive?

A well-built physique is a status symbol. It reflects you worked hard for it, no money can buy it. You cannot inherit it. You cannot steal it. You cannot borrow it. You cannot hold on to it without constant work. It shows dedication. It shows discipline. It shows self-respect. It shows dignity. It shows patience, work ethic, passion. That is why it's attractive to me.

When you need to borrow money the Mob seems like a better deal I think. 'You don't pay me back I break both yer legs.' Is that all? You won't take my house or wreck my credit rating? Fine where do I sign. Legs? Fine. You don't even have to sign anything.

To me it seemed that the teaching of God's Word was unmistakably clear: 'Owe no man anything.' To borrow money implied to my mind a contradiction of Scripture--a confession that God had withheld some good thing, and determination to get for ourselves what He had not given.

Proverbs 22:7 "The rich rule over the poor and the borrower is slave to the lender." Galatians 5:1 "do not let yourselves be burdened again by a yoke of slavery.

For peace read books, for success read books and take actions.

Banks are nothing but old fashioned money lenders. They encourage you to borrow, to get in debt, and when you can't pay back the loan they take your home away. At least a money lender only breaks your legs.

The Western States nervous under the beginning change. Texas and Oklahoma, Kansas and Arkansas, New Mexico, Arizona, California. A single family moved from the land. Pa borrowed money from the bank, and now the bank wants the land. The land company--that's the bank when it has land --wants tractors, not families on the land. Is a tractor bad? Is the power that turns the long furrows wrong? If this tractor were ours it would be good--not mine, but ours. If our tractor turned the long furrows of our land, it would be good. Not my land, but ours. We could love that tractor then as we have loved this land when it was ours. But the tractor does two things--it turns the land and turns us off the land. There is little difference between this tractor and a tank. The people are driven, intimidated, hurt by both. We must think about this. One man, one family driven from the land; this rusty car creaking along the highway to the west. I lost my land, a single tractor took my land. I am alone and bewildered. And in the night one family camps in a ditch and another family pulls in and the tents come out. The two men squat on their hams and the women and children listen. Here is the node, you who hate change and fear revolution. Keep these two squatting men apart; make them hate, fear, suspect each other. Here is the anlarge of the thing you fear. This is the zygote. For here "I lost my land" is changed; a cell is split and from its splitting grows the thing you hate--"We lost our land." The danger is here, for two men are not as lonely and perplexed as one. And from this first "we" there grows a still more dangerous thing: "I have a little food" plus "I have none." If from this problem the sum is "We have a little food," the thing is on its way, the movement has direction. Only a little multiplication now, and this land, this tractor are ours. The two men squatting in a ditch, the little fire, the side- meat stewing in a single pot, the silent, stone-eyed women; behind, the children listening with their souls to words their minds do not understand. The night draws down. The baby has a cold. Here, take this blanket. It's wool. It was my mother's blanket--take it for the baby. This is the thing to bomb. This is the beginning--from "I" to "we." If you who own the things people must have could understand this, you might preserve yourself. If you could separate causes from results, if you could know Paine, Marx, Jefferson, Lenin, were results, not causes, you might survive. But that you cannot know. For the quality of owning freezes you forever into "I," and cuts you off forever from the "we." The Western States are nervous under the begining change. Need is the stimulus to concept, concept to action. A half-million people moving over the country; a million more restive, ready to move; ten million more feeling the first nervousness. And tractors turning the multiple furrows in the vacant land.

Is it necessary to say what my first impression was when I looked at my visitor's card? Surely not! My sister having married a foreigner, there was but one impression that any man in his senses could possibly feel. Of course the Count had come to borrow money of me. "Louis," I said, "do you think he would go away if you gave him five shillings?

I generally find,' Clent murmured after a pause, 'that it is best to treat borrowed time the same way as borrowed money. Spend it with panache, and try to be somewhere else when it runs out.' 'And when we get found, Mr. Clent, when the creditors and bailiffs come after us and it's payment time...' '...then we borrow more, madam, at a higher interest. We embark on a wilder gamble, make a bigger promise, tell a braver story, devise a more intricate lie, sell the hides of imaginary dragons to desperate men, climb to even higher and more precarious ground...and later, of course, our fall and catastrophe will be all the worse, but later will be our watchword, Mosca. We have nothing else - but we can at least make later later.

I believe it is trust,’ she adds. ‘Trust?’ ‘Yes, trust. Anything you do – borrowing money from a bank, commissioning a piece of work, sending or receiving a parcel, making a plan with friends, ordering food at a restaurant – all those things can only happen because of mutual trust on both sides.

To pay for my father's funeral I borrowed money from people he already owed money to. One called him a nobody. No, I said, he was a failure. You can't remember a nobody's name, that's why they're called nobodies. Failures are unforgettable.

Let us all be happy and live within our means, Even if we have to borrow money to do it with.

Debt is not a tool; it is a method to make banks wealthy, not you. The borrower truly is slave to the lender.

also need to borrow your little plastic money card thing one last time.

Credit' comes from the Latin 'credere', 'to believe', for credit is the belief that the money you're borrowing will someday be returned, a belief that needs the future to function in.

...the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can’t. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, ‘How can they afford that?’ because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you’ve already got. With borrowed money.

If you’re that hard up for money, Pidge . . .” “I’m not borrowing money from you,” she sneered. “I was gonna suggest pawning that bracelet.” I smiled.

Don't ask to borrow unless you intend to repay them.

Never invest in stocks with borrowed money or a faint heart. Both are fatal

And a mortgage used to be something you were expected to repay. But now that every other middle-income family has a mortgage for an amount they couldn't possibly save up in their lifetimes, then the bank isn't lending money anymore. It's offering financing. And then homes are no longer homes. They're investments. ...It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can't. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, "How can they afford that?" because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you've already got. With borrowed money.

Why did you come in to-night with your heads in the air? 'Make way, we are coming! Give us every right and don't you dare breathe a word before us. Pay us every sort of respect, such as no one's ever heard of, and we shall treat you worse than the lowest lackey!' They strive for justice, they stand on their rights, and yet they've slandered him like infidels in their article. We demand, we don't ask, and you will get no gratitude from us, because you are acting for the satisfaction of your own conscience! Queer sort of reasoning!... He has not borrowed money from you, he doesn't owe you anything, so what are you reckoning on, if not his gratitude? So how can you repudiate it? Lunatics! They regard society as savage and inhuman, because it cries shame on the seduced girl; but if you think society inhuman, you must think that the girl suffers from the censure of society, and if she does, how is it you expose her to society in the newspapers and expect her not to suffer? Lunatics! Vain creatures! They don't believe in God, they don't believe in Christ! Why, you are so eaten up with pride and vanity that you'll end by eating up one another, that's what I prophesy. Isn't that topsy-turvydom, isn't it infamy?

Don't marry for money, you can borrow it cheaper.

The surest way to ruin a man who doesn't know how to handle money is to give him some.

Proverbs 22:7: “The rich rule over the poor, and the borrower is slave to the lender

Never marry for money. You'll borrow it cheaper.

In 2001, the oil companies, the war contractors and the Neo-Con-Artists seized the economy and added $4 trillion of unproductive spending to the national debt. We now pay four times more for defence, three times more for gasoline and home-heating oil and twice what we payed for health-care. Millions of Americans have lost their jobs, their homes, their health-care, their pensions; trillions of dollars for an unnecessary war payed for with borrowed money. Tens of billions of dollars in cash and weapons disappeared into thin air at the cost of the lives of our troops and innocent Iraqis, while all the President's oil men are maneuvering on Iraq's oil. Borrowed money to bomb bridges in Iraq, Afghanistan and Pakistan. No money to rebuild bridges in America. Borrowed money to start a hot war with Iran, now we have another cold war with Russia and the American economy has become a game of Russian roulette.

Next, Cohn repeated what everyone was saying: Interest rates were going to go up over the foreseeable future. I agree, Trump said. “We should just go borrow a lot of money right now, hold it, and then sell it and make money.” Cohn was astounded at Trump’s lack of basic understanding. He tried to explain. If you as the federal government borrow money through issuing bonds, you are increasing the U.S. deficit. What do you mean? Trump asked. Just run the presses—print money.

Christian communities arising from celebration do not want their lives changed, because their lives are in a good place. Tax rates should remain low. Home prices and stocks should continue to rise unabated, while interest rates should remain low to borrow more money to feed a lifestyle to which they have become accustomed.

It is a rule . . . in all the world that interest is to be paid on borrowed money. May I say something about interest? Interest never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation; it never visits nor travels . . . it has no love, no sympathy; it is as hard and soulless as a granite cliff. Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands nor orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you.

The girls were always running out of money, out of cash, precisely, to pay taxi drivers, train conductors, men who delivered pizzas after dark. They borrowed cash, normally, upon arrival. They borrowed passions—Wallace Stevens, Joseph Conrad, Mozart, hiking, the Bible—from each other, as girls of another generation borrowed clothes.

What do you want?" and Rose looked up rather surprised. "I'd like to borrow some money. I shouldn't think of asking you, only Mac never has a cent since he's set up his old chemical shop, where he'll blow himself to bits some day and you and Uncle will have the fun of putting him together again," and Steve tried to look as if the idea amused him.

A book lying idle on a shelf is wasted ammunition. Like money, books must be in constant circulation. Lend and borrow to the maximum.

Let's stop kidding ourselves that Greek debt is the Euro's key problem. With Greece gone, who's next ?

It is usually impossible for a large body of people to support themselves indefinitely by borrowing money, although a few people enjoy a great success at it for a time.

I had learnt at the outset not to carry on public work with borrowed money. One could rely on people’s promises in most matters except in respect of money.

There is no such thing as good debt. The credit card is the cigarette of the financial world. The borrower is always a slave to the lender.

Earned money brings you security, borrowed money gets you slavery.

Overborrowing or overlending? Lenders encourage indebtedness because it is profitable. Developing country governments are sometimes even pressured to overborrow ... Even without corruption, it is easy to be influenced by Western businessmen and financiers ... Countries that aren't sure that borrowing is worth the rist are told how important it is to establis a credit rating: borrow even if you really don't need the money.

He ached all over. It wasn’t just that his brain was writing checks that his body couldn’t cash. It had gone beyond that. Now his feet were borrowing money that his legs hadn’t got, and his back muscles were looking for loose change under the sofa cushions.

Little girls are the nicest things that can happen to people. They are born with a bit of angel-shine about them, and though it wears thin sometimes, there is always enough left to lasso your heart—even when they are sitting in the mud, or crying temperamental tears, or parading up the street in Mother’s best clothes. A little girl can be sweeter (and badder) oftener than anyone else in the world. She can jitter around, and stomp, and make funny noises that frazzle your nerves, yet just when you open your mouth, she stands there demure with that special look in her eyes. A girl is Innocence playing in the mud, Beauty standing on its head, and Motherhood dragging a doll by the foot. God borrows from many creatures to make a little girl. He uses the song of a bird, the squeal of a pig, the stubbornness of a mule, the antics of a monkey, the spryness of a grasshopper, the curiosity of a cat, the speed of a gazelle, the slyness of a fox, the softness of a kitten, and to top it all off He adds the mysterious mind of a woman. A little girl likes new shoes, party dresses, small animals, first grade, noisemakers, the girl next door, dolls, make-believe, dancing lessons, ice cream, kitchens, coloring books, make-up, cans of water, going visiting, tea parties, and one boy. She doesn’t care so much for visitors, boys in general, large dogs, hand-me-downs, straight chairs, vegetables, snowsuits, or staying in the front yard. She is loudest when you are thinking, the prettiest when she has provoked you, the busiest at bedtime, the quietest when you want to show her off, and the most flirtatious when she absolutely must not get the best of you again. Who else can cause you more grief, joy, irritation, satisfaction, embarrassment, and genuine delight than this combination of Eve, Salome, and Florence Nightingale. She can muss up your home, your hair, and your dignity—spend your money, your time, and your patience—and just when your temper is ready to crack, her sunshine peeks through and you’ve lost again. Yes, she is a nerve-wracking nuisance, just a noisy bundle of mischief. But when your dreams tumble down and the world is a mess—when it seems you are pretty much of a fool after all—she can make you a king when she climbs on your knee and whispers, "I love you best of all!

It was the kind of "here" your mother or your big sister or your great-aunt or your grandmother would have said. It was the kind of "here" that let you know this was hard-earned money but, also, that you needed it more than she did, and the kind of "here" that said she wished you had it and didn't have to borrow it from her, but since you did not have it, and she did, then "here" it was, with a kind of love. It was the kind of "here" that asked the question, When will all this end? When will a man not have to struggle to have money to get what he needs "here"? When will a man be able to live without having to kill another man "here"?

Look, wolf boy, he’s gone. He came by, borrowed money,” she snorted, “took money—it’s not like I’ll ever see it again—and headed out. Told me that the Pack was looking for him, wanting to kill him. Even if I knew where he ran to, which I don’t, I certainly wouldn’t tell someone out to hurt him.

Buying an apartment is completely out of the question, the bank said, because who’d lend money to someone without money? You only lend money to people who don’t really need to borrow money. So where are you to live, you might ask.

Companies should not gamble with leverage. Companies shouldn't gamble on borrowed money. If a company is going to borrow and leverage other peoples money, it should be going toward something profitable, stable and safe. Executives can't predict the future with any certainty, but they can do their research and due diligence. And they can be methodical and strategic as opposed to reckless.

If all bank loans were paid, no one would have a bank deposit, and there would not be a dollar of currency or coin in circulation. This is a staggering thought. We are completely dependent on the commercial banks. Someone has to borrow every dollar we have in circulation, cash or credit. If the banks create ample synthetic money, we are prosperous; if not, we starve. We are absolutely without a permanent monetary system. When one gets a complete grasp upon this picture, the tragic absurdity of our helpless position is almost incredible–but there it is.

You are rich if you have enough money to satisfy all your desires. So there are two ways to be rich: You earn, inherit, borrow, beg, or steal enough money to meet all your desires; or, you cultivate a simple lifestyle of few desires; that way you always have enough money. “A peaceful warrior has the insight and discipline to choose the simple way — to know the difference between needs and wants. We have few basic needs but endless wants. Full attention to every moment is my pleasure. Attention costs no money; your only investment is training. That’s another advantage of being a warrior, Dan — it’s cheaper! The secret of happiness, you see, is not found in seeking more, but in developing the capacity to enjoy less.” I

poverty is not the result of rapacious financiers exploiting the poor. It has much more to do with the lack of financial institutions, with the absence of banks, not their presence. Only when borrowers have access to efficient credit networks can they escape from the clutches of loan sharks, and only when savers can deposit their money in reliable banks can it be channelled from the idle rich to the industrious poor.

Corporate finance, which services the corporations and governments that borrow money, and that are known as “clients,” is, by comparison, a refined and unworldly place. Because they don’t risk money, corporate financiers are considered wimps by traders.

The fun-raising adjunct to many church bazaars is commonly known as a carnival, which used to mean the celebration of the flesh; now a carnival is okay because the money goes to the church so that it can preach against the temptations of the Devil! It will be said that these things are only pagan devices and ceremonies- that the Christians borrowed them. True, but the Pagans reveled in the delights of the flesh, and were condemned by the very same people who celebrate their rituals, but call them by different names.

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

TB, malaria, diarrhoea, and dysentery affect many in Palamau. But the cure for almost all ills here is the saline drip. In remote areas, quacks mesmerise people with the drip. Even malaria patients are subjected to it. Many villagers believe that paani chadaana (infusion of water) is a mighty cure. So they borrow money to pay the doctor for the miracle.

Yes! And isn't that the root of every despicable action? Not selfishness, but precisely the absence of a self. Look at them. The man who cheats and lies, but preserves a respectable front. He knows himself to be dishonest, but others think he's honest and he derives his self-respect from that, second-hand. The man who takes credit for an achievement which is not his own. He knows himself to be mediocre, but he's great in the eyes of others. The frustrated wretch who professes love for the inferior and clings to those less endowed, in order to establish his own superiority by comparison. The man whose sole aim is to make money. Now I don't see anything evil in a desire to make money. But money is only a means to some end. If a man wants it for a personal purpose--to invest in his industry, to create, to study, to travel, to enjoy luxury--he's completely moral. But the men who place money first go much beyond that. Personal luxury is a limited endeavor. What they want is ostentation: to show, to stun, to entertain, to impress others. They're second-handers. Look at our so-called cultural endeavors. A lecturer who spouts some borrowed rehash of nothing at all that means nothing at all to him--and the people who listen and don't give a damn, but sit there in order to tell their friends that they have attended a lecture by a famous name. All second-handers.

Let’s order too much of something just to see where our limits are. Let’s take a chance precisely because it might fail. Let’s take the hard way out. Let’s go to the moon. Fuck it; let’s go to the moon again. Let’s quit our jobs. Let’s work at being better at what we do by fucking up faster, not less. Let’s fuck up really fast. Let’s wrestle sharks, fight monsters, and disagree with the board. Let’s borrow so much money it becomes someone else’s problem. Let’s start a 10-hour drive by announcing “I’m not into you anymore.” Let’s dump everything out of the garage onto the sidewalk and build something really cool in that space. Let’s start out to build a better mousetrap, and halfway there let’s decide to jump on the mice’s team.

Lovers of luxury have always been among us. They usually self-collate into a confederacy of upper-crust who are lured by exciting distractions that borrow their time, rarely giving it back. Instead of loving people and using money, Gogs love money and use people. (1Joh 2:16) Michael Ben Zehabe, Ruth: a woman’s guide to husband material, pg 6

Instructions for Dad. I don't want to go into a fridge at an undertaker's. I want you to keep me at home until the funeral. Please can someone sit with me in case I got lonely? I promise not to scare you. I want to be buried in my butterfly dress, my lilac bra and knicker set and my black zip boots (all still in the suitcase that I packed for Sicily). I also want to wear the bracelet Adam gave me. Don't put make-up on me. It looks stupid on dead people. I do NOT want to be cremated. Cremations pollute the atmosphere with dioxins,k hydrochloric acid, hydrofluoric acid, sulphur dioxide and carbon dioxide. They also have those spooky curtains in crematoriums. I want a biodegradable willow coffin and a woodland burial. The people at the Natural Death Centre helped me pick a site not for from where we live, and they'll help you with all the arrangements. I want a native tree planted on or near my grave. I'd like an oak, but I don't mind a sweet chestnut or even a willow. I want a wooden plaque with my name on. I want wild plants and flowers growing on my grave. I want the service to be simple. Tell Zoey to bring Lauren (if she's born by then). Invite Philippa and her husband Andy (if he wants to come), also James from the hospital (though he might be busy). I don't want anyone who doesn't know my saying anything about me. THe Natural Death Centre people will stay with you, but should also stay out of it. I want the people I love to get up and speak about me, and even if you cry it'll be OK. I want you to say honest things. Say I was a monster if you like, say how I made you all run around after me. If you can think of anything good, say that too! Write it down first, because apparently people often forget what they mean to say at funerals. Don't under any circumstances read that poem by Auden. It's been done to death (ha, ha) and it's too sad. Get someone to read Sonnet 12 by Shakespeare. Music- "Blackbird" by the Beatles. "Plainsong" by The Cure. "Live Like You Were Dying" by Tim McGraw. "All the Trees of the Field Will Clap Their Hands" by Sufian Stevens. There may not be time for all of them, but make sure you play the last one. Zoey helped me choose them and she's got them all on her iPod (it's got speakers if you need to borrow it). Afterwards, go to a pub for lunch. I've got £260 in my savings account and I really want you to use it for that. Really, I mean it-lunch is on me. Make sure you have pudding-sticky toffee, chocolate fudge cake, ice-cream sundae, something really bad for you. Get drunk too if you like (but don't scare Cal). Spend all the money. And after that, when days have gone by, keep an eye out for me. I might write on the steam in the mirror when you're having a bath, or play with the leaves on the apple tree when you're out in the garden. I might slip into a dream. Visit my grave when you can, but don't kick yourself if you can't, or if you move house and it's suddenly too far away. It looks pretty there in the summer (check out the website). You could bring a picnic and sit with me. I'd like that. OK. That's it. I love you. Tessa xxx

Think of renovating a house like operating the federal government. You start with a budget and the revenue to finance it. Then the special interests keep adding items to the list; you have to end the war between the interior decorator and the electrician, so you pump in more money to buy peace; and by the time you’re done, you’re $16 trillion in debt and having to borrow money from the Chinese.

Dear Black Women… Save, Invest, and Spend Less. Save because you just never know what will come up. This will save you from having to borrow from friends, family, or going to get a payday loan. Invest so that you’ll have something of value to show for. Investing also helps in building WEALTH. Spend less so that you’re not broke, living paycheck to paycheck, and/or in a lot of debt. Don’t allow money to control you. Take charge! Keep, and/or get your finances in order. Value your money and be mindful of how and what you’re spending.

The present presses automatically on you. The future does not. To attend to the future requires bandwidth, which scarcity taxes. When scarcity taxes our bandwidth, we become even more focused on the here and now. We need cognitive resources to gauge future needs, and we need executive control to resist present temptations. As it taxes our bandwidth, scarcity focuses on the present, and leads us to borrow.

Mr. Ansell was not merely a man of some education; he had what no education can bring — the power of detecting what is important. Like many fathers, he had spared no expense over his boy, — he had borrowed money to start him at a rapacious and fashionable private school; he had sent him to tutors; he had sent him to Cambridge. But he knew that all this was not the important thing. The important thing was freedom.

People tolerate taxes for a while because they have previously accumulated wealth. As the tax burden grows and productivity falls, tax revenue falls and the only answer seems to be higher taxes. If the people can no longer tolerate higher taxes, government merely borrows and creates new money, and then the inflation tax is paid with higher prices. The whole process destabilizes the political system and eventually becomes a threat to civilized progress.

You haven't any right to expect your friends to be larger than yourself, larger than life. Just take them as they are, cut down to average size, and be glad you have them. To drink with, laugh with, borrow money from, lend money to, stay away from their special girls as you want them to stay away from yours, and above all, never break your word to, once it's been given. And that is all the obligation you have, all you have the right to expect. ("New York Blues")

Why, there is it: come sing me a bawdy song; make me merry. I was as virtuously given as a gentleman need to be; virtuous enough; swore little; diced not—above seven times a week; went to a bawdy-house once in a quarter—of an hour; paid money that I borrowed—three of four times; lived well and in good compass: and now I live out of all order, out of all compass. Lord Bardolph. Why, you are so fat, Sir John, that you must needs be out of all compass, out of all reasonable compass, Sir John. Falstaff. Do thou amend thy face, and I'll amend my life

Having a reserve currency is great while it lasts because it gives a country exceptional borrowing and spending power and significant power over who else in the world gets the money and credit needed to buy and sell internationally. However, having a reserve currency typically sows the seeds of a country ceasing to be a reserve currency country. That is because it allows the country to borrow more than it could otherwise afford to borrow, and the creation of lots of money and credit to service the debt debases the value of the currency and causes the loss of its status as a reserve currency. The loss of its reserve currency status is a terrible thing because having a reserve currency is one of the greatest powers a country can have because it gives the country enormous buying power and geopolitical power.

Some take pains to be biblical, but many [Christian financial teachers, writers, investment counselors, and seminar leaders] simply parrot their secular colleagues. Other than beginning and ending with prayer, mentioning Christ, and sprinkling in some Bible verses, there's no fundamental difference. They reinforce people's materialist attitudes and lifestyles. They suggest a variety of profitable plans in which people can spend or stockpile the bulk of their resources. In short, to borrow a term from Jesus, some Christian financial experts are helping people to be the most successful 'rich fools' they can be.

From there we’d go over to the Friendly Lounge at Tenth and Washington, owned by a guy named John who went by the nickname of Skinny Razor. At first I didn’t know anything about John, but some of the guys from Food Fair pushed a little money on their routes for John. A waitress, say, at a diner would borrow $100 and pay back $12 a week for ten weeks. If she couldn’t afford the $12 one week she’d just pay $2, but she’d still owe the $12 for that week and it would get added on at the end. If it wasn’t paid on time the interest would keep piling up. The $2 part of the debt was called the “vig,” which is short for vigorish. It was the juice. My

My concern with democracy is highly specific. It begins in observing the remarkable fact that, while democracy means a government accountable to the electorate, our rulers now make us accountable to them. Most Western governments hate me smoking, or eating the wrong kind of food, or hunting foxes, or drinking too much, and these are merely the surface disapprovals, the ones that provoke legislation or public campaigns. We also borrow too much money for our personal pleasures, and many of us are very bad parents. Ministers of state have been known to instruct us in elementary matters, such as the importance of reading stories to our children. Again, many of us have unsound views about people of other races, cultures, or religions, and the distribution of our friends does not always correspond, as governments think that it ought, to the cultural diversity of our society. We must face up to the grim fact that the rulers we elect are losing patience with us. No philosopher can contemplate this interesting situation without beginning to reflect on what it can mean. The gap between political realities and their public face is so great that the term “paradox” tends to crop up from sentence to sentence. Our rulers are theoretically “our” representatives, but they are busy turning us into the instruments of the projects they keep dreaming up. The business of governments, one might think, is to supply the framework of law within which we may pursue happiness on our own account. Instead, we are constantly being summoned to reform ourselves. Debt, intemperance, and incompetence in rearing our children are no doubt regrettable, but they are vices, and left alone, they will soon lead to the pain that corrects. Life is a better teacher of virtue than politicians, and most sensible governments in the past left moral faults to the churches. But democratic citizenship in the twenty-first century means receiving a stream of improving “messages” from politicians. Some may forgive these intrusions because they are so well intentioned. Who would defend prejudice, debt, or excessive drinking? The point, however, is that our rulers have no business telling us how to live. They are tiresome enough in their exercise of authority—they are intolerable when they mount the pulpit. Nor should we be in any doubt that nationalizing the moral life is the first step towards totalitarianism. We might perhaps be more tolerant of rulers turning preachers if they were moral giants. But what citizen looks at the government today thinking how wise and virtuous it is? Public respect for politicians has long been declining, even as the population at large has been seduced into demanding political solutions to social problems. To demand help from officials we rather despise argues for a notable lack of logic in the demos. The statesmen of eras past have been replaced by a set of barely competent social workers eager to take over the risks of our everyday life. The electorates of earlier times would have responded to politicians seeking to bribe us with such promises with derision. Today, the demos votes for them.

Everyone in the room knew about leveraged buyouts, often called LBOs. In an LBO, a small group of senior executives, usually working with a Wall Street partner, proposes to buy its company from public shareholders, using massive amounts of borrowed money. Critics of this procedure called it stealing the company from its owners and fretted that the growing mountain of corporate debt was hindering America’s ability to compete abroad. Everyone knew LBOs meant deep cuts in research and every other imaginable budget, all sacrificed to pay off debt. Proponents insisted that companies forced to meet steep debt payments grew lean and mean. On one thing they all agreed: The executives who launched LBOs got filthy rich.

It’s not easy to feel good about yourself when you are constantly being told you’re rubbish and/or part of the problem. That’s often the situation for people working in the public sector, whether these be nurses, civil servants or teachers. The static metrics used to measure the contribution of the public sector, and the influence of Public Choice theory on making governments more ‘efficient’, has convinced many civil-sector workers they are second-best. It’s enough to depress any bureaucrat and induce him or her to get up, leave and join the private sector, where there is often more money to be made. So public actors are forced to emulate private ones, with their almost exclusive interest in projects with fast paybacks. After all, price determines value. You, the civil servant, won’t dare to propose that your agency could take charge, bring a helpful long-term perspective to a problem, consider all sides of an issue (not just profitability), spend the necessary funds (borrow if required) and – whisper it softly – add public value. You leave the big ideas to the private sector which you are told to simply ‘facilitate’ and enable. And when Apple or whichever private company makes billions of dollars for shareholders and many millions for top executives, you probably won’t think that these gains actually come largely from leveraging the work done by others – whether these be government agencies, not-for-profit institutions, or achievements fought for by civil society organizations including trade unions that have been critical for fighting for workers’ training programmes.

Dr. Mary Atwater's story was so inspiring. Growing up, Dr. Atwater had a dream to one day be a teacher. But as a black person in the American South during the 1950s, she didn't have many great educational opportunities. It didn't help that she was also a girl, and a girl who loved science, since many believed that science was a subject only for men. Well, like me, she didn't listen to what others said. And also like me, Dr. Atwater had a father, Mr. John C. Monroe, who believed in her dreams and saved money to send her and her siblings to college. She eventually got a PhD in science education with a concentration in chemistry. She was an associate director at New Mexico State University and then taught physical science and chemistry at Fayetteville State University. She later joined the University of Georgia, where she still works as a science education researcher. Along the way, she began writing science books, never knowing that, many years down the road, one of those books would end up in Wimbe, Malawi, and change my life forever. I'd informed Dr. Atwater that the copy of Using Energy I'd borrowed so many times had been stolen (probably by another student hoping to get the same magic), so that day in Washington, she presented me with my own copy, along with the teacher's edition and a special notebook to record my experiments. "Your story confirms my belief in human beings and their abilities to make the world a better place by using science," she told me. "I'm happy that I lived long enough to see that something I wrote could change someone's life. I'm glad I found you." And for sure, I'm also happy to have found Dr. Atwater.

You may well ask: when the bubble finally burst, why did we not let the bankers crash and burn? Why weren't they held accountable for their absurd debts? For two reasons. First because the payment system - the simple means of transferring money from one account to another and on which every transaction relies - is monopolised by the very same bankers who were making the bets. Imagine having gifted your arteries and veins to a gambler. The moment he loses big at the casino, he can blackmail you for anything you have simply by threatening to cut off your circulation. Second, because the financiers' gambles contained deep inside the title deeds to the houses of the majority. A full-scale financial market collapse could therefore lead to mass homelessness and a complete breakdown in the social contract. Don't be surprised that the high and mighty financiers of Wall Street would bother financialising the modest homes of poor people. Having borrowed as much as they could off banks and rich clients in order to place their crazy bets, they craved more since the more they bet, the more they made. So they created more debt from scratch to use as raw materials for more bets. How? By lending to impecunious blue collar worker who dreamed of the security of one day owning their own home. What if these little people could not actually afford their mortgage in the medium term? In contrast to bankers of old, the Jills and the Jacks who actually leant them the money did not care if the repayments were made because they never intended to collect. Instead, having granted the mortgage, they put it into their computerised grinder, chopped it up literally into tiny pieces of debt and repackaged them into one of their labyrinthine derivatives which they would then sell at a profit. By the time the poor homeowner had defaulted and their home was repossessed, the financier who granted the loan in the first place had long since moved on.

In those days there was no money to buy books. Books you borrowed from the rental library of Shakespeare and Company, which was the library and bookstore of Sylvia Beach at 12 rue de l’Odéon. On a cold windswept street, this was a lovely, warm, cheerful place with a big stove in winter, tables and shelves of books, new books in the window, and photographs on the wall of famous writers both dead and living. The photographs all looked like snapshots and even the dead writers looked as though they had really been alive. Sylvia had a lively, very sharply cut face, brown eyes that were as alive as a small animal’s and as gay as a young girl’s, and wavy brown hair that was brushed back from her fine forehead and cut thick below her ears and at the line of the collar of the brown velvet jacket she wore. She had pretty legs and she was kind, cheerful and interested, and loved to make jokes and gossip. No one that I ever knew was nicer to me. I was very shy when I first went into the bookshop and I did not have enough money on me to join the rental library. She told me I could pay the deposit any time I had the money and made me out a card and said I could take as many books as I wished. There was no reason for her to trust me. She did not know me and the address I had given her, 74 rue Cardinal Lemoine, could not have been a poorer one. But she was delightful and charming and welcoming and behind her, as high as the wall and stretching out into the back room which gave onto the inner court of the building, were the shelves and shelves of the richness of the library.

Interestingly, a point that never emerged in the press but that Tim Donovan revealed to the police was that Annie had specifically "asked him to trust her" for that night's doss money. This "he declined to do." Had this incident become common knowledge, it's likely that Donovan would have faced an even worse public backlash for his role in Annie's demise. "You can find money for your beer, and you can't find money for your bed." the deputy keeper is said to have spoken in response to her request. Annie, not quite willing to admit defeat, or perhaps in a show of pride, responded with a sigh: "Keep my bed for me. I shan't be long." Ill and drunk, she went downstairs and "stood in the door for two or three minutes," considering her options. Like the impecunious lodger described by Goldsmith, she too would have been contemplating from whom among her "pals" it might have been "possible to borrow the halfpence necessary to complete {her} doss money." More likely, Annie was mentally preparing "to spend the night with only the sky for a canopy." She then set off down Brushfield Street, toward Christ Church, Spitalfields, where the homeless regularly bedded down. Her thoughts as she stepped out onto Dorest Street, as the light from Crossingham's dimmed at her back, can never be known. What route she wove through the black streets and to whom she spoke along the will never be confirmed. All that is certain is her final destination. Of the many tragedies that befell Annie Chapman in the final years of her life, perhaps one of the most poignant was that she needn't have been on the streets on that night, or on any other. Ill and feverish, she needn't have searched the squalid corners for a spot to sleep. Instead, she might have lain in a bed in her mother's house or in her sisters' care, on the other side of London. She might have been treated for tuberculosis; she might have been comforted by the embraces of her children or the loving assurances of her family. Annie needn't have suffered. At every turn there had been a hand reaching to pull her from the abyss, but the counter-tug of addiction was more forceful, and the grip of shame was just as strong. It was this that pulled her under, that had extinguished her hope and then her life many years earlier. What her murderer claimed on that night was simply all that remained of what drink had left behind.

In Memory of My Feelings" My quietness has a man in it, he is transparent and he carries me quietly, like a gondola, through the streets. He has several likenesses, like stars and years, like numerals. My quietness has a number of naked selves, so many pistols I have borrowed to protect myselves from creatures who too readily recognize my weapons and have murder in their heart! though in winter they are warm as roses, in the desert taste of chilled anisette. At times, withdrawn, I rise into the cool skies and gaze on at the imponderable world with the simple identification of my colleagues, the mountains. Manfred climbs to my nape, speaks, but I do not hear him, I'm too blue. An elephant takes up his trumpet, money flutters from the windows of cries, silk stretching its mirror across shoulder blades. A gun is "fired." One of me rushes to window #13 and one of me raises his whip and one of me flutters up from the center of the track amidst the pink flamingoes, and underneath their hooves as they round the last turn my lips are scarred and brown, brushed by tails, masked in dirt's lust, definition, open mouths gasping for the cries of the bettors for the lungs of earth. So many of my transparencies could not resist the race! Terror in earth, dried mushrooms, pink feathers, tickets, a flaking moon drifting across the muddied teeth, the imperceptible moan of covered breathing, love of the serpent! I am underneath its leaves as the hunter crackles and pants and bursts, as the barrage balloon drifts behind a cloud and animal death whips out its flashlight, whistling and slipping the glove off the trigger hand. The serpent's eyes redden at sight of those thorny fingernails, he is so smooth! My transparent selves flail about like vipers in a pail, writhing and hissing without panic, with a certain justice of response and presently the aquiline serpent comes to resemble the Medusa.

I have had so many Dwellings, Nat, that I know these Streets as well as a strowling Beggar: I was born in this Nest of Death and Contagion and now, as they say, I have learned to feather it. When first I was with Sir Chris. I found lodgings in Phenix Street off Hogg Lane, close by St Giles and Tottenham Fields, and then in later times I was lodged at the corner of Queen Street and Thames Street, next to the Blew Posts in Cheapside. (It is still there, said Nat stirring up from his Seat, I have passed it!) In the time before the Fire, Nat, most of the buildings in London were made of timber and plaister, and stones were so cheap that a man might have a cart-load of them for six-pence or seven-pence; but now, like the Aegyptians, we are all for Stone. (And Nat broke in, I am for Stone!) The common sort of People gawp at the prodigious Rate of Building and exclaim to each other London is now another City or that House was not there Yesterday or the Situacion of the Streets is quite Changd (I contemn them when they say such things! Nat adds). But this Capital City of the World of Affliction is still the Capitol of Darknesse, or the Dungeon of Man's Desires: still in the Centre are no proper Streets nor Houses but a Wilderness of dirty rotten Sheds, allways tumbling or takeing Fire, with winding crooked passages, lakes of Mire and rills of stinking Mud, as befits the smokey grove of Moloch. (I have heard of that Gentleman, says Nat all a quiver). It is true that in what we call the Out-parts there are numberless ranges of new Buildings: in my old Black-Eagle Street, Nat, tenements have been rais'd and where my Mother and Father stared without understanding at their Destroyer (Death! he cryed) new-built Chambers swarm with life. But what a Chaos and Confusion is there: meer fields of Grass give way to crooked Passages and quiet Lanes to smoking Factors, and these new Houses, commonly built by the London workmen, are often burning and frequently tumbling down (I saw one, says he, I saw one tumbling!). Thus London grows more Monstrous, Straggling and out of all Shape: in this Hive of Noise and Ignorance, Nat, we are tyed to the World as to a sensible Carcasse and as we cross the stinking Body we call out What News? or What's a clock? And thus do I pass my Days a stranger to mankind. I'll not be a Stander-by, but you will not see me pass among them in the World. (You will disquiet your self, Master, says Nat coming towards me). And what a World is it, of Tricking and Bartering, Buying and Selling, Borrowing and Lending, Paying and Receiving; when I walk among the Piss and Sir-reverence of the Streets I hear, Money makes the old Wife trot, Money makes the Mare to go (and Nat adds, What Words won't do, Gold will). What is their God but shineing Dirt and to sing its Devotions come the Westminster-Hall-whores, the Charing-cross whores, the Whitehall whores, the Channel-row whores, the Strand whores, the Fleet Street whores, the Temple-bar whores; and they are followed in the same Catch by the Riband weavers, the Silver-lace makers, the Upholsterers, the Cabinet-makers, Watermen, Carmen, Porters, Plaisterers, Lightemen, Footmen, Shopkeepers, Journey-men... and my Voice grew faint through the Curtain of my Pain.