Mortgage Quotes

Real, sane, mature love—the kind that pays the mortgage year after year and picks up the kids after school—is not based on infatuation but on affection and respect.

How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.

Bailing out people who made ill-advised mortgages makes no more sense that bailing out people who lost their life savings in Las Vegas casinos.

We live in a world where we don’t see the ramifications of what we do to others because we don’t live with them. It would be a whole lot harder for an investment banker to rip off people with subprime mortgages if he actually had to live with the people he was ripping off. If we could see one another’s pain and empathize with one another, it would never be worth it to us to commit the crimes in the first place.

The writer Umberto Eco belongs to that small class of scholars who are encyclopedic, insightful, and nondull. He is the owner of a large personal library (containing thirty thousand books), and separates visitors into two categories: those who react with “Wow! Signore, professore dottore Eco, what a library you have ! How many of these books have you read?” and the others - a very small minority - who get the point that a private library is not an ego-boosting appendage but a research tool. Read books are far less valuable than unread ones. The library should contain as much of what you don’t know as your financial means, mortgage rates and the currently tight real-estate market allows you to put there. You will accumulate more knowledge and more books as you grow older, and the growing number of unread books on the shelves will look at you menancingly. Indeed, the more you know, the larger the rows of unread books. Let us call this collection of unread books an antilibrary.

Read books are far less valuable than unread ones. The library should contain as much of what you do not know as your financial means, mortgage rates, and the currently tight real-estate market alow you to put there.

No man deserves a woman like that. He mortgages his very soul to win her and spends his life paying off the debt.

Choose Life. Choose a job. Choose a career. Choose a family. Choose a fucking big television, choose washing machines, cars, compact disc players and electrical tin openers. Choose good health, low cholesterol, and dental insurance. Choose fixed interest mortgage repayments. Choose a starter home. Choose your friends. Choose leisurewear and matching luggage. Choose a three-piece suit on hire purchase in a range of fucking fabrics. Choose DIY and wondering who the fuck you are on Sunday morning. Choose sitting on that couch watching mind-numbing, spirit-crushing game shows, stuffing fucking junk food into your mouth. Choose rotting away at the end of it all, pissing your last in a miserable home, nothing more than an embarrassment to the selfish, fucked up brats you spawned to replace yourselves. Choose your future. Choose life… But why would I want to do a thing like that? I chose not to choose life. I chose somethin’ else. And the reasons? There are no reasons. Who needs reasons when you’ve got heroin?

We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

We wander, question. But the answer waits in each separate heart - the answer of our own identity and the way by which we can master loneliness and feel that at last we belong.

One day, kid, you'll be willing to mortgage your fucking soul for somebody.” “I don't think you should say fucking around me. In case you forgot, I'm only fourteen, And news flash, dude,I've got no soul. There aren't any banks. And there isn't any currency. Ergo. Never. Going. To. Happen.” “I'm not sure you could be any more full of yourself.” I cut him a smug look. “I'm willing to try.

But anyway, I look around sometimes and I think - this will maybe sound weird - it's like the corporate world's full of ghosts. And actually, let me revise that, my parents are in academia so I've had front row seats for that horror show, I know academia's no different, so maybe a fairer way of putting this would be to say that adulthood's full of ghosts." "I'm sorry, I'm not sure I quite --" "I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that." "You don't think he likes his job, then." "Correct," she said, "but I don't think he even realises it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

But depression wasn't the word. This was a plunge encompassing sorrow and revulsion far beyond the personal: a sick, drenching nausea at all humanity and human endeavor from the dawn of time. The writhing loathsomeness of the biological order. Old age, sickness, death. No escape for anyone. Even the beautiful ones were like soft fruit about to spoil. And yet somehow people still kept fucking and breeding and popping out new fodder for the grave, producing more and more new beings to suffer like this was some kind of redemptive, or good, or even somehow morally admirable thing: dragging more innocent creatures into the lose-lose game. Squirming babies and plodding, complacent, hormone-drugged moms. Oh, isn't he cute? Awww. Kids shouting and skidding in the playground with no idea what future Hells await them: boring jobs and ruinous mortgages and bad marriages and hair loss and hip replacements and lonely cups of coffee in an empty house and a colostomy bag at the hospital. Most people seemed satisfied with the thin decorative glaze and the artful stage lighting that sometimes, made the bedrock atrocity of the human predicament look somewhat more mysterious or less abhorrent. People gambled and golfed and planted gardens and traded stocks and had sex and bought new cars and practiced yoga and worked and prayed and redecorated their homes and got worked up over the news and fussed over their children and gossiped about their neighbors and pored over restaurant reviews and founded charitable organizations and supported political candidates and attended the U.S. Open and dined and travelled and distracted themselves with all kinds of gadgets and devices, flooding themselves incessantly with information and texts and communication and entertainment from every direction to try to make themselves forget it: where we were, what we were. But in a strong light there was no good spin you could put on it. It was rotten from top to bottom.

There are few genuine conservatives within the U.S. political system, and it is a sign of the intellectual corruption of the age that the honorable term 'conservatism' can be appropriated to disguise the advocacy of a powerful, lawless, aggressive and violent state, a welfare state for the rich dedicated to a lunatic form of Keynesian economic intervention that enhances state and private power while mortgaging the country's future.

If you have to ask someone to change, to tell you they love you, to bring wine to dinner, to call you when they land, you can’t afford to be with them. It’s not worth the price, even though, just like the Tiffany catalog, no one tells you what the price is. You set it yourself, and if you’re lucky it’s reasonable. You have a sense of when you’re about to go bankrupt. Your own sense of self-worth takes the wheel and says, Enough of this shit. Stop making excuses. No one’s that busy at work. No one’s allergic to whipped cream. There are too cell phones in Sweden. But most people don’t get lucky. They get human. They get crushes. This means you irrationally mortgage what little logic you own to pay for this one thing. This relationship is an impulse buy, and you’ll figure out if it’s worth it later.

I can buy your contract.” “No, you can’t. Any sale of our mortgage requires my consent, and I won’t consent to it.” He grinned. “You don’t want to work under me?” “I’m not even going to dignify that with an answer.

It is no secret that large corporations prefer people with families; those with downside risk are easier to own, particularly when they are choking under a large mortgage.

As we peer into society's future, we -- you and I, and our government -- must avoid the impulse to live only for today, plundering for our own ease and convenience the precious resources of tomorrow. We cannot mortgage the material assets of our grandchildren without risking the loss also of their political and spiritual heritage. We want democracy to survive for all generations to come, not to become the insolvent phantom of tomorrow.

Of course you don't deserve her. No man deserves a woman like that. He mortgages his very soul to win her and spends his life paying off the debt.

Take the years when you’re young – say, between the ages of fifteen and thirty-five, before you have a mortgage or kids or anything else that needs to be fed – and go balls out on intuition and follow your dreams. Dreams won’t always take you on a straight path to destiny, but they’re usually related to what your soul wants for you. They’ll force you to ask yourself the hard questions, they’ll kick your ass, and most importantly, they’ll turn you on.

My parents, both of whom came from impoverished backgrounds and neither of whom had been to college, took the view that my overactive imagination was an amusing personal quirk that would never pay a mortgage, or secure a pension.

We'd hoped vaguely to fall in love but hadn't worried much about it, because we'd thought we had all the time in the world. Love had seemed so final and so dull -- love was what ruined our parents. Love had delivered them to a life of mortgage payments and household repairs; to unglamorous jobs and the flourescent aisles of a supermarket at two in the afternoon. We'd hoped for love of a different kind, love that knew and forgave our human frailty but did not miniaturize our grander ideas of ourselves. It sounded possible. If we didn't rush or grab, if we didn't panic, a love both challenging and nurturing might appear. If the person was imaginable, then the person could exist.

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.

I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped...

If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.

I'm not talking about commitment to romantic relationships. I'm talking about commitment to things: houses, jobs, neighborhoods. Having a job that requires a contract. Paying a mortgage. I think when men hear that women want a commitment, they think it means commitment to a romantic relationship, but that's not it. It's a commitment to not floating around anymore. I want a guy who is entrenched in his own life.

Society invents a spurious convoluted logic tae absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah'm gaunnae huv a short life, am ah sound mind, ectetera, ectetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life. Well, ah choose no tae choose life. If the cunts cannae handle that, it's thair fuckin problem. As Harry Launder sais, ah jist intend tae keep right on to the end of the road...

In society, we do horrible things to one another because we don’t see the person it affects. We don’t see their face. We don’t see them as people. Which was the whole reason the hood was built in the first place, to keep the victims of apartheid out of sight and out of mind. Because if white people ever saw black people as human, they would see that slavery is unconscionable. We live in a world where we don’t see the ramifications of what we do to others, because we don’t live with them. It would be a whole lot harder for an investment banker to rip off people with subprime mortgages if he actually had to live with the people he was ripping off. If we could see one another’s pain and empathize with one another, it would never be worth it to us to commit the crimes in the first place.

We paid for this instead of a generation of health insurance, or an alternative energy grid, or a brand-new system of roads and highways. With the $13-plus trillion we are estimated to ultimately spend on the bailouts, we could not only have bought and paid off every single sub-prime mortgage in the country (that would only have cost $1.4 trillion), we could have paid off every remaining mortgage of any kind in this country - and still have had enough money left over to buy a new house for every American who does not already have one.

You know, honey, Natalie's expecting her second." I arched my eyebrows at my mother, not following the change of subject. "Second what? Mortgage? Conviction? Chance at life?" "Baby of course. Her second baby. The doctor says this one's a girl." I laughed, genuinely amused that my mother thought it should have been so obvious. "Yeah. Well, I bet Natalie can't drop a Stray with a Powerhouse Right Hook.

Pain will never leave us. Instead of putting energy into destroying pain, we need to put energy into creating pleasure.

Who owns Cross Creek? The red-birds, I think, more than I, for they will have their nests even in the face of delinquent mortgages..It seems to me that the earth may be borrowed, but not bought. It may be used, but not owned. It gives itself in response to love and tending, offers its sesonal flowering and fruiting. But we are tenants and not possessors, lovers, and not masters. Cross Creek belongs to the wind and the rain, to the sun and the seasons, to the cosmic secrecy of seed, and beyond all, to time..."

What's happened is somewhere, along the line, as a society, we confused the notion of 'home' with the possibility of 'an investment opportunity'. What kind of creature wants to live in an 'investment opportunity'? Only man. The fox has his den. The bee has his hive. The stoat, has, uh... his stoat-hole... but only man chooses to make his nest in an investment opportunity. Mmm, snuggled down in the lovely credit! All warm, in the mortgage payment, mmmmm...

Most people don't get lucky. They get human. They get crushes. This means you irrationally mortgage what little logic you own to pay for this one thing. This relationship is an impulse buy, and you'll figure out if it's worth it later.

He gave Evan a glance. “Unless you want to do something else.” “That's a line? Seriously?” “I have to use lines now? We share a mortgage, dude. Get upstairs, take a shower, and come to bed naked. Jesus.

Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life.

Consider the species known as man. We lie, we cheat, we want what others have and take it; we make war upon each other and the earth; we harvest lives in multitudes. We have mortgaged the planet and spent the cash on trifles. We may have loved, but never well enough. We never truly knew ourselves. We forgot the world; now it has forgotten us.

People weren’t that connected to one another. Terrible things happened constantly and never prevented you from going out for ice cream or celebrating birthdays or going to the movies or paying your taxes or fucking your wife or worrying about the mortgage.

Why do our parents have the ability to make us feel like children even when our hair is graying and we have a mortgage that feels like a Third World debt? (135)

I don't even understand the connection with 'died for your sins'. He died for your sin, well, how does one affect the other? 'I hit myself in the foot with a shovel for your mortgage'...

The culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up with egostical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks. We're involved in trillions of little acts just to keep going . So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

Principles are nice things. If you can afford them. I like to think I am a principled man, but then, most men do. The fact is, we all have a price, we all have buttons that can press to make us do things that are not entirely honorable. Principles do not pay the mortgage or clear our debts. A principled man is generally a man who has everything he wants or absolutely nothing to lose.

We have not noticed how fast the rest has risen. Most of the industrialized world--and a good part of the nonindustrialized world as well--has better cell phone service than the United States. Broadband is faster and cheaper across the industrial world, from Canada to France to Japan, and the United States now stands sixteenth in the world in broadband penetration per capita. Americans are constantly told by their politicians that the only thing we have to learn from other countries' health care systems is to be thankful for ours. Most Americans ignore the fact that a third of the country's public schools are totally dysfunctional (because their children go to the other two-thirds). The American litigation system is now routinely referred to as a huge cost to doing business, but no one dares propose any reform of it. Our mortgage deduction for housing costs a staggering $80 billion a year, and we are told it is crucial to support home ownership, except that Margaret Thatcher eliminated it in Britain, and yet that country has the same rate of home ownership as the United States. We rarely look around and notice other options and alternatives, convinced that "we're number one.

To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with their boats at sea... "cruising" it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about. "I've always wanted to sail to the south seas, but I can't afford it." What these men can't afford is not to go. They are enmeshed in the cancerous discipline of "security." And in the worship of security we fling our lives beneath the wheels of routine - and before we know it our lives are gone. What does a man need - really need? A few pounds of food each day, heat and shelter, six feet to lie down in - and some form of working activity that will yield a sense of accomplishment. That's all - in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade. The years thunder by, The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed. Where, then, lies the answer? In choice. Which shall it be: bankruptcy of purse or bankruptcy of life?

Mortgages were less about getting people into property than getting them into debt. Someone had to absorb the surplus supply of credit.

Of course you are. Then you're going to give me multiple orgasms and pay off my mortgage too. I saw this movie, pal. It was in the fantasy section. (Isa)

Love is the bridge that leads from the I sense to the We, and there is a paradox about personal love. Love of another individual opens a new relation between the personality and the world. The lover responds in a new way to nature and may even write poetry. Love is affirmation; it motivates the yes responses and the sense of wider communication. Love casts out fear, and in the security of this togetherness we find contentment, courage. We no longer fear the age-old haunting questions: "Who am I?" "Why am I?" "Where am I going?" - and having cast out fear, we can be honest and charitable.

It's like the corporate world's full of ghosts … maybe a fairer way of putting this would be to say that adulthood's full of ghosts … these people who've ended up in one life instead of another and they are just so disappointed ... They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped … High-functioning sleepwalkers, essentially.

Nightwalking men always have a hunger on them [...] They never stop taking and they don't know about enough. They mortgaged their souls away and now they eat and eat and never know how to stop.

Why would men so mismanage their lives? Greed, he thought, was what ruined so many. Greed--the desire to crowd into a moment all the enjoyment it will hold, to squeeze from the hour all the emotion it will yield. Men commit themselves when but half-meaning to do so, sacrificing possible future fullness of ecstasy to the craving for immediate excitement. Greed--mortgaging the future--forcing the hand of Time, or of Fate.

I always wanted this - to come to restaurants that raise their own cows and mortgage bottles of wine. But, it makes me feel insecure - reminds me that I'm really just poor, white trash with a good job.

All humans are essentially wild creatures and hate confinement. We need what is wild, and we thrill to it, our wildness bubbling over with an anarchic joie de vivre. We glint when the wild light shines. The more suffocatingly enclosed we are - tamed by television, controlled by mortgages and bureaucracy - the louder our wild genes scream in aggression, anger and depression.

Because a farmer with a mortgage was like a man walking on the railing of a bridge with his arms outstretched and his eyes closed. It was a way of life in which the difference between abundance and ruin could be measured by a few inches of rain or a few nights of frost.

Didn’t he have to admit, begrudgingly, that in some extra-perverse corner of his brain the idea of having to be out of town before sundown appealed to him? New Orleans had been the only constant thing in his life. But didn’t he yet an itchy foot sometimes, didn’t he sometimes think about just throwing all his stuff in his car and going? Of course he did. Everybody did, even normal people, the ones with triple mortgages and orthodontists’ bills and responsibilities to everything except what they really wanted.

Finally, don’t put on a Let’s Be Fair tone and say “But black people are racist too.” Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

Sonny would tell Marcus about how America used to lock up black men off the sidewalks for labor or how redlining kept banks from investing in black neighborhoods, preventing mortgages or business loans. So was it a wonder that prisons were still full of them? Was it a wonder that the ghetto was the ghetto?

Wesley went everywhere with me from then on. I even wrapped him in baby blankets and held him in my arms while grocery shopping, to keep him warm during the first cold winter. Occasionally someone would ask to see "the baby," and when I opened the blanket, would leap back shrieking, "What is that?! A dinosaur?" Apparently, the world is full of educated adults with mortgages and stock portfolios who think people are walking around grocery stores with dinosaurs in their arms.

Modern life is, for most of us, a kind of serfdom to mortgage, job and the constant assault to consume. Although we have more time and money than ever before, most of us have little sense of control over our own lives. It is all connected to the apathy that means fewer and fewer people vote. Politicians don’t listen to us anyway. Big business has all the power; religious extremism all the fear. But in the garden or allotment we are king or queen. It is our piece of outdoors that lays a real stake to the planet.

When you’re a conservative Republican, you never think people are making money by ripping other people off,” he said. His mind was now fully open to the possibility. “I now realized there was an entire industry, called consumer finance, that basically existed to rip people off.

In 1944, the G.I. Bill was adopted to support returning servicemen. The VA not only denied African Americans the mortgage subsidies to which they were entitled but frequently restricted education and training to lower-level jobs for African Americans who were qualified to acquire greater skills.

Best day of my life hasn't happened yet. But I know it. I see it every day. The best day of my life is the day I buy my mom a huge fucking house. And not just like out in the woods, but in the middle of Mountain Brook, with all the Weekday Warriors' parents. With all y'all's parents. And I'm not buying it with a mortgage either. I'm buying it with cash money, and I am driving my mom there, and I'm going to open her side of the car door and she'll get out and look at this house—this house is like picket fence and two stories and everything, you know—and I'm going to hand her the keys to her house and I'll say, 'Thanks.' Man, she helped fill out my application to this place. And she let me come here, and that's no easy thing when you come from where we do, to let your son go away to school. So that's the best day of my life.

Ask most people who live in a home and have a mortgage on it whether they own their own home and the answer is almost guaranteed to be a resounding 'yes'. Yet it's the wrong answer. Technically speaking, until they have paid the mortgage off, they don't own it. Herein lies the difference between reality and illusion, between ownership and control. This confusion lies not only at the individual level, but also at the heart of government thinking.

See that's where you're wrong baby. When you find your man, it's almost too easy. Gettin' married and havin' a mortgage, kids and a business to run and findin' a way to stay in love day in day out, that's the tougher part. But the beginning'… that parts easy as pie. That's why they call it fallin' because it happens before you have time to stop yourself.

Choose life. Choose a job. Choose a career. Choose a family. Choose a fucking big television, Choose washing machines, cars, compact disc players, and electrical tin openers. Choose good health, low cholesterol and dental insurance. Choose fixed- interest mortgage repayments. Choose a starter home. Choose your friends. Choose leisure wear and matching luggage. Choose a three piece suite on hire purchase in a range of fucking fabrics. Choose DIY and wondering who you are on a Sunday morning. Choose sitting on that couch watching mind-numbing sprit- crushing game shows, stuffing fucking junk food into your mouth. Choose rotting away at the end of it all, pishing you last in a miserable home, nothing more than an embarrassment to the selfish, fucked-up brats you have spawned to replace yourself. Choose your future. Choose life... But why would I want to do a thing like that?

What would it mean in practice to eliminate all the 'negative people' from one's life? It might be a good move to separate from a chronically carping spouse, but it is not so easy to abandon the whiny toddler, the colicky infant, or the sullen teenager. And at the workplace, while it's probably advisable to detect and terminate those who show signs of becoming mass killers, there are other annoying people who might actually have something useful to say: the financial officer who keeps worrying about the bank's subprime mortgage exposure or the auto executive who questions the company's overinvestment in SUVs and trucks. Purge everyone who 'brings you down,' and you risk being very lonely, or, what is worse, cut off from reality.

After the first establishment of identity there comes the imperative need to lose this new-found sense of separateness and to belong to something larger and more powerful than the weak, lonely self. The sense of moral isolation is intolerable to us.

Because I look at you, and I think, you and me, we’re going to get married one day. And then, if you’re a very good wife…” His eyes skated over my face as he paused, and it felt like a loving caress; but it also felt possessive and dangerous. His cadence dropped, deepened, as his stare settled on my lips. “If you’re a very good wife, we’ll have a mortgage.

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.

The story describes an incident during the trial of a black schoolteacher accused of disposing of a mule on which there was a mortgage. A defense witness, who was colored but looked white, took the stand and was being sworn in when the judge told the sheriff the man had been given the wrong Bible.

11 WAYS TO BE UNREMARKABLY AVERAGE 1. Accept what people tell you at face value. 2. Don’t question authority. 3. Go to college because you’re supposed to, not because you want to learn something. 4. Go overseas once or twice in your life, to somewhere safe like England. 5. Don’t try to learn another language; everyone else will eventually learn English. 6. Think about starting your own business, but never do it. 7. Think about writing a book, but never do it. 8. Get the largest mortgage you qualify for and spend 30 years paying for it. 9. Sit at a desk 40 hours a week for an average of 10 hours of productive work. 10. Don’t stand out or draw attention to yourself. 11. Jump through hoops. Check off boxes.

Stop being chained down by bad credit I have the key to set you free...

I have calculated the total number of hours we spend sleeping beside each other in a week and I wanted to tell you it could be considered a full-time job. We could be eligible for healthcare benefits, could probably even pay for a mortgage by now. I remind myself of this, in daylight, when I miss you and cannot reach across the bed for the comforting filling and refilling of your chest. Such a strange affair we are having on each other; these hours that I have not lost but do not remember. This cannot be the best of love: to drool on someone’s collarbone or inhale an elbow to the jaw or be woken by the most ungraceful sounds of the body. But what is it if not the softening of grips? A letting go of. Your heart finally slowly that stubborn, lonely march.

For fear is a primary source of evil. And when the question "Who am I?" recurs and is unanswered, then fear and frustration project a negative attitude. The bewildered soul can answer only: "Since I do not understand 'Who I am,' I only know what I am not." The corollary of this emotional incertitude is snobbism, intolerance and racial hate. The xenophobic individual can only reject and destroy, as the xenophobic nation inevitably makes war.

As slaves we were this country’s first windfall, the down payment on its freedom. After the ruin and liberation of the Civil War came Redemption for the unrepentant South and Reunion, and our bodies became this country’s second mortgage. In the New Deal we were their guestroom, their finished basement. And today, with a sprawling prison system, which has turned the warehousing of black bodies into a jobs program for Dreamers and a lucrative investment for Dreamers; today, when 8 percent of the world’s prisoners are black men, our bodies have refinanced the Dream of being white. Black life is cheap, but in America black bodies are a natural resource of incomparable value.

I imagined downtime, thoughtful gifts for my parents, the family vacations we’d never taken, their mortgage paid off. I imagined all their hard work finally repaid, all their sacrifices not only compensated but rewarded. I imagined them thinking it was all worth it. Telling me how much they loved me. All my life, when I thought of my future, that was what I pictured. Not a career. The things I thought would come with it. Happiness, love, safety. And that dream had been enough for a long time. What was school if not a chance to earn your worth?

All the mega corporations on the planet make their obscene profits off the labor and suffering of others, with complete disregard for the effects on the workers, environment, and future generations. As with the banking sector, they play games with the lives of millions, hysterically reject any kind of government intervention when the profits are rolling in, but are quick to pass the bill for the cleanup and the far-reaching consequences of these avoidable tragedies to the public when things go wrong. We have a straightforward proposal: if they want public money, we want public control. It's that simple.

She asked me for some advice regarding Mark’s financial affairs. It’s a very common problem for the families of missing persons – what happens when someone disappears? How long do you wait before you clean out their flat? Do you reregister their car? Who keeps paying the car payments? How do you access their bank account? What about rent and mortgage? When do you tell their employer you don’t think they’re coming back to their job?

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?

Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting on a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life.

Thoreau wrote, "the mass of men live lives of quiet desperation." This is as true today as it was back then. How many men stand on a balcony and wonder what happened?... He wanted adventure and he got two weeks' vacation. He wanted a mission and he got a lawn that needs mowing. He wanted purpose and he got a cubicle. He wanted a mighty steed and he got a minivan. He wanted a castle and he got a mortgage. He wanted a battle to fight and he got televised sports. He wanted wisdom and he got talking heads on TV. He wanted treasure and he got endless debt. He wanted every part of his life to be wonderful, and here he is... standing on a balcony, in bleak, ruminating hesitation.

Everything was calm. The sun was shining. I was swimming in the deep. And then, when I surfaced 20 years later, I discovered there was a storm, a whirlpool, a blasting gale lifting the waves over my head. At first I wasn’t sure I’d make it back to the boat and then I realised I didn’t want to make it back to the boat. Chaos is supposed to be what we most fear but I have come to believe it might be what we most want. If we don’t believe in the future we are planning, the house we are mortgaged to, the person who sleeps by our side, it is possible that a tempest (long lurking in the clouds) might bring us closer to how we want to be in the world. Life falls apart. We try to get a grip and hold it together. And then we realise we don’t want to hold it together.

The pursuit of an easier life resulted in much hardship, and not for the last time. It happens to us today. How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.

The wild pursuit of status and wealth has destroyed our souls and our economy. Families live in sprawling mansions financed with mortgages they can no longer repay. Consumers recklessly rang up Coach handbags and Manolo Blahnik shoes on credit cards because they seemed to confer a sense of identity and merit. Our favorite hobby, besides television, used to be, until reality hit us like a tsunami, shopping. Shopping used to be the compensation for spending five days a week in tiny cubicles. American workers are ground down by corporations that have disempowered them, used them, and have now discarded them

Society invents a spurious convoluted logic tea absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken all the pros and cons, know that ah'm gaunnae huv a short life, am ay sound mind etcetera etcetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fucking junk food intae yir mooth. Choose rotting away, pishing and shiteing yourself in a home, a total fucking embarrassment to the selfish, fucked-up brats ye've produced. Choose life.

This is the critical point of this book: if you are that zebra running for your life, or that lion sprinting for your meal, your body’s physiological response mechanisms are superbly adapted for dealing with such short-term physical emergencies. For the vast majority of beasts on this planet, stress is about a short-term crisis, after which it’s either over with or you’re over with. When we sit around and worry about stressful things, we turn on the same physiological responses—but they are potentially a disaster when provoked chronically. A large body of evidence suggests that stress-related disease emerges, predominantly, out of the fact that we so often activate a physiological system that has evolved for responding to acute physical emergencies, but we turn it on for months on end, worrying about mortgages, relationships, and promotions.

It came down to that flexibility of a person’s mind. An ability to withstand horrors and snap back, like a fresh elastic band. A flinty mind shattered. In this way, he was glad not to be an adult. A grown-up’s mind—even one belonging to a decent man like Scoutmaster Tim—lacked that elasticity. The world had been robbed of all its mysteries, and with those mysteries went the horror. Adults didn’t believe in old wives’ tales. You didn’t see adults stepping over sidewalk cracks out of the fear that they might somehow, some way, break their mothers’ backs. They didn’t wish on stars: not with the squinty-eyed fierceness of kids, anyway. You’ll never find an adult who believes that saying “Bloody Mary” three times in front of a mirror in a dark room will summon a dark, blood-hungry entity. Adults were scared of different things: their jobs, their mortgages, whether they hung out with the “right people,” whether they would die unloved. These were pallid compared to the fears of a child—leering clowns under the bed and slimy monsters capering beyond the basement’s light and faceless sucking horrors from beyond the stars. There’s no 12-step or self-help group for dealing with those fears. Or maybe there is: you just grow up. And when you do, you surrender the nimbleness of mind required to believe in such things—but also to cope with them. And so when adults find themselves in a situation where that nimbleness is needed . . . well, they can’t summon it. So they fall to pieces: go insane, panic, suffer heart attacks and aneurysms brought on by fright. Why? They simply don’t believe it could be happening. That’s what’s different about kids: they believe everything can happen, and fully expect it to.

You can imagine how distraught I feel when I hear about the glorified heroism-free “middle class values,” which, thanks to globalization and the Internet, have spread to any place easily reached by British Air, enshrining the usual opiates of the deified classes: “hard work” for a bank or a tobacco company, diligent newspaper reading, obedience to most, but not all, traffic laws, captivity in some corporate structure, dependence on the opinion of a boss (with one’s job records filed in the personnel department), good legal compliance, reliance on stock market investments, tropical vacations, and a suburban life (under some mortgage) with a nice-looking dog and Saturday night wine tasting.

Society invents a spurious convoluted logic tae absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah'm gaunnae huv a short life, am ah sound mind, etcetera, etcetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whut they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life.

How many young college graduates have taken demanding jobs in high-powered firms, vowing that they will work hard to earn money that will enable them to retire and pursue their real interests when they are thirty-five? But by the time they reach that age, they have large mortgages, children to school, houses in the suburbs that necessitate at least two cars per family, and a sense that life is not worth living without really good wine and expensive holidays abroad. What are they supposed to do, go back to digging up roots? No, they double their efforts and keep slaving away.’ —Yuval Noah Harari, Sapiens: A Brief History of Humankind (2011)

Do not hide behind such superficialities as whether you should or should not give a dime to a beggar. That is not the issue. The issue is whether you do or do not have the right to exist without giving him that dime. The issue is whether you must keep buying your life, dime by dime, from any beggar who might choose to approach you. The issue is whether the need of others is the first mortgage on your life and the moral purpose of your existence. The issue is whether man is to be regarded as a sacrificial animal. Any man of self-esteem will answer: “No.” Altruism says: “Yes.

We have the money. We’ve just made choices about how to spend it. Over the years, lawmakers on both sides of the aisle have restricted housing aid to the poor but expanded it to the affluent in the form of tax benefits for homeowners. 57 Today, housing-related tax expenditures far outpace those for housing assistance. In 2008, the year Arleen was evicted from Thirteenth Street, federal expenditures for direct housing assistance totaled less than $40.2 billion, but homeowner tax benefits exceeded $171 billion. That number, $171 billion, was equivalent to the 2008 budgets for the Department of Education, the Department of Veterans Affairs, the Department of Homeland Security, the Department of Justice, and the Department of Agriculture combined. 58 Each year, we spend three times what a universal housing voucher program is estimated to cost (in total ) on homeowner benefits, like the mortgage-interest deduction and the capital-gains exclusion. Most federal housing subsidies benefit families with six-figure incomes. 59 If we are going to spend the bulk of our public dollars on the affluent—at least when it comes to housing—we should own up to that decision and stop repeating the politicians’ canard about one of the richest countries on the planet being unable to afford doing more. If poverty persists in America, it is not for lack of resources.

All you need do is refrain from smoking, drinking and the use of drugs. Eat only wholesome,low-fat foods, with the emphasis on vegetables, grains and fish. Seek work. Work hard. Show up on time. Do more than is expected. Think of ways to make the job efficient. Don't complain. Shave, bathe and wear clean clothes. Be cheerful. Don't gamble. Live within your means. Save. And then, when you have all this in balance, study things of substance. Read to satisfy your curiosity. Don't father children out of wedlock or bear them as a single mother. Exercise. You will find that you will be promoted - perhaps not knighted, but promoted. Is that doesn't happen, look quietly for a better position. Find a husband or a wife whom you love and who has the same good habits. Invest. Assume a mortgage if you must. Teach your children the virtues. And then, having become the means of production, you will own your share of the means of production, and if you do those things, all of which are within your power, you will live your own lives." They looked at him as if he were an armadillo that has just spoken to them in Chinese. Not having assimilated a single phrase, they all got up and went to the bus.

The Delores tank rolled on inexorably, “You get a mortgage to buy a house, a larger mortgage than the previous owner because the price of the house has been artificially increased by the market, which is controlled by the banks. Then you live in the house for a few years paying a lot more in mortgage payments than you would if you were renting a similar property. But hey, you ‘own’ it and can ‘do things to it’… things that cost even more money, by the way… so you maintain its upkeep, improve it with say a new kitchen or bathroom; the more salubrious the neighbourhood the more expensive the kitchen would need to be – a Küche & Cucina, say; impressing your cleaner is very important after all and at the end you sell it to someone else for more than you paid for it so they’ll need an even bigger mortgage. And all the while everyone is paying all this money to the banks and the banks give the money to their shareholders, the biggest of whom are the incredibly rich. This, when you boil it all down, means that you’re taking a large sum out of your wages and passing it across to some rich person to live large, whilst you and others like you struggle to make their monthly payments. Basically you’ve been screwed, Doc, but somehow they’ve convinced you that you own a bit of England, when the truth is you don’t really own anything, you’re just renting it at a higher cost and they can take it back from you any time they want. It’s all just a card trick, Doc. All just ‘smoke and mirrors’ and that’s what’s getting to me.

Conscience is strong in women. Children are very violently taught that they owe all to their parents, and the parents are not slow in foreclosing the mortgage. But the home is not a debtor's prison - to girls any more than to boys. This enormous claim of parents calls for extermination. Do they in truth do all for their children; do their children owe all to them? Is nothing furnished in the way of safety, sanitation, education, by that larger home, the state? What could these parents do, alone, in never so pleasant a home, without the allied forces of society to maintain that home in peace and prosperity. These lingering vestiges of a patriarchal cult must be left behind. Ancestor-worship has had victims enough. Girls are human creatures as well as boys, and both have duties, imperative duties, quite outside the home.

Tonight, though, he could not help seeing his mother as a spiritual sister to the beautiful, needy and depressive girl who had broken apart on a frozen road, and to the plain, homeless outsider now lying in the chilly morgue. Leda, Lula and Rochelle had not been women like Lucy, or his Aunt Joan; they had not taken every reasonable precaution against violence or chance; they had not tethered themselves to life with mortgages and voluntary work, safe husbands and clean-faced dependants: their deathsm therefore, were not classed as "tragic", in the same way as those of staid and respectable housewives. How easy it was to capitalise on a person's own bent for self-destruction; how simple to nudge them into non-being, then to stand back and shrug and agree tnat it had been the inevitable result of a chaotic, catastrophic life.

People aren’t really needed for anything else in the Griftopia, but since Americans require the illusion of self-government, we have elections. To make sure those elections are effectively meaningless as far as Wall Street is concerned, two things end up being true. One is that voters on both sides of the aisle are gradually weaned off that habit of having real expectations for their politicians, consuming the voting process entirely as culture-war entertainment. The other is that millions of tenuously middle-class voters are conned into pushing Wall Street’s own twisted greed ethos as though it were their own. The Tea Party, with its weirdly binary view of society as being split up cleanly into competing groups of producers and parasites—that’s just a cultural echo of the insane greed-is-good belief system on Wall Street that’s provided the foundation/excuse for a generation of brilliantly complex thievery. Those beliefs have trickled down to the ex-middle-class suckers struggling to stay on top of their mortgages and their credit card bills, and the real joke is that these voters listen to CNBC and Fox and they genuinely believe they’re the producers in this binary narrative. They don’t get that somewhere way up above, there’s a group of people who’ve been living the Atlas dream for real—and building a self-dealing financial bureaucracy in their own insane image.

The portraits, of more historical than artistic interest, had gone; and tapestry, full of the blue and bronze of peacocks, fell over the doors, and shut out all history and activity untouched with beauty and peace; and now when I looked at my Crevelli and pondered on the rose in the hand of the Virgin, wherein the form was so delicate and precise that it seemed more like a thought than a flower, or at the grey dawn and rapturous faces of my Francesca, I knew all a Christian's ecstasy without his slavery to rule and custom; when I pondered over the antique bronze gods and goddesses, which I had mortgaged my house to buy, I had all a pagan's delight in various beauty and without his terror at sleepless destiny and his labour with many sacrifices; and I had only to go to my bookshelf, where every book was bound in leather, stamped with intricate ornament, and of a carefully chosen colour: Shakespeare in the orange of the glory of the world, Dante in the dull red of his anger, Milton in the blue grey of his formal calm; and I could experience what I would of human passions without their bitterness and without satiety. I had gathered about me all gods because I believed in none, and experienced every pleasure because I gave myself to none, but held myself apart, individual, indissoluble, a mirror of polished steel: I looked in the triumph of this imagination at the birds of Hera, glowing in the firelight as though they were wrought of jewels; and to my mind, for which symbolism was a necessity, they seemed the doorkeepers of my world, shutting out all that was not of as affluent a beauty as their own; and for a moment I thought as I had thought in so many other moments, that it was possible to rob life of every bitterness except the bitterness of death; and then a thought which had followed this thought, time after time, filled me with a passionate sorrow.

Why is it that because ye use hard drugs every cunt feels that they have a right tae dissect and analyse ye? Once ye accept that they huv that right, ye’ll join them in the search fir this holy grail, this thing that makes ye tick. Ye’ll then defer tae them, allowin yersel tae be conned intae believin any biscuit-ersed theory ay behaviour they choose tae attach tae ye. Then yir theirs, no yir ain; the dependency shifts from the drug to them. Society invents a spurious convoluted logic tae absorb and change people whae’s behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah’m gaunnae huv a short life, am ay sound mind etcetera, etcetera, but still want tae use smack? They won’t let ye dae it. They won’t let ye dae it, because it’s seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye’ve produced. Choose life. Well, ah choose no tae choose life. If the cunts cannae handle that, it’s thair fuckin problem. As Harry Lauder sais, ah jist intend tae keep right on to the end of the road …

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

Romantic literature often presents the individual as somebody caught in a struggle against the state and the market. Nothing could be further from the truth. The state and the market are the mother and father of the individual, and the individual can survive only thanks to them. The market provides us with work, insurance and a pension. If we want to study a profession, the government’s schools are there to teach us. If we want to open a business, the bank loans us money. If we want to build a house, a construction company builds it and the bank gives us a mortgage, in some cases subsidised or insured by the state. If violence flares up, the police protect us. If we are sick for a few days, our health insurance takes care of us. If we are debilitated for months, social security steps in. If we need around-the-clock assistance, we can go to the market and hire a nurse – usually some stranger from the other side of the world who takes care of us with the kind of devotion that we no longer expect from our own children. If we have the means, we can spend our golden years at a senior citizens’ home. The tax authorities treat us as individuals, and do not expect us to pay the neighbours’ taxes. The courts, too, see us as individuals, and never punish us for the crimes of our cousins. Not only adult men, but also women and children, are recognised as individuals. Throughout most of history, women were often seen as the property of family or community. Modern states, on the other hand, see women as individuals, enjoying economic and legal rights independently of their family and community. They may hold their own bank accounts, decide whom to marry, and even choose to divorce or live on their own. But the liberation of the individual comes at a cost. Many of us now bewail the loss of strong families and communities and feel alienated and threatened by the power the impersonal state and market wield over our lives. States and markets composed of alienated individuals can intervene in the lives of their members much more easily than states and markets composed of strong families and communities. When neighbours in a high-rise apartment building cannot even agree on how much to pay their janitor, how can we expect them to resist the state? The deal between states, markets and individuals is an uneasy one. The state and the market disagree about their mutual rights and obligations, and individuals complain that both demand too much and provide too little. In many cases individuals are exploited by markets, and states employ their armies, police forces and bureaucracies to persecute individuals instead of defending them. Yet it is amazing that this deal works at all – however imperfectly. For it breaches countless generations of human social arrangements. Millions of years of evolution have designed us to live and think as community members. Within a mere two centuries we have become alienated individuals. Nothing testifies better to the awesome power of culture.