Pay Your Debts Quotes

Don't you see?" said Calla. "He wasn't coming to pay your debt. He was coming to see if you'd returned to pay it yourself." Lila felt her face go hot. "I do not know why you two are circling each other like stars. It is not my cosmic dance. But I do know that you come asking after one another, when only a few strides and a handful of stars divide you.

When I treat other people with kindness and love, it is part of my way of paying my debt to God and the world for the privilege of living on this planet.

Do not confuse "duty" with what other people expect of you; they are utterly different. Duty is a debt you owe to yourself to fulfill obligations you have assumed voluntarily. Paying that debt can entail anything from years of patient work to instant willingness to die. Difficult it may be, but the reward is self-respect. But there is no reward at all for doing what other people expect of you, and to do so is not merely difficult, but impossible. It is easier to deal with a footpad than it is with the leech who wants "just a few minutes of your time, please—this won't take long." Time is your total capital, and the minutes of your life are painfully few. If you allow yourself to fall into the vice of agreeing to such requests, they quickly snowball to the point where these parasites will use up 100 percent of your time—and squawk for more! So learn to say No—and to be rude about it when necessary. Otherwise you will not have time to carry out your duty, or to do your own work, and certainly no time for love and happiness. The termites will nibble away your life and leave none of it for you. (This rule does not mean that you must not do a favor for a friend, or even a stranger. But let the choice be yours. Don't do it because it is "expected" of you.)

Go, faithful subject, and pay your debt to the king.

I began reluctantly to steal from the present to pay off debts I knew I'd incur in the future.

You rescue me. I rescue you. That’s how this works. To pay your debts, you had to know who you owed. You had to decide who you were willing to go to war for and who you trusted to jump into the fray for you. That was all there was in this world. No heroes or villains, just the people you’d brave the waves for, and the ones you’d let drown.

He came to me, after you were gone. Master Kell.” Lila’s eyes widened. “What for?” “To pay the debt for your clothes.” Her mood darkened. “I can pay my own debts,” she snapped, “and Kell knows it.” Calla smiled. “That is what I told him. And he went away. But a week later, he came back, and made the same offer. He comes every week.” “Bastard,” mumbled Lila, but the merchant shook her head. “Don’t you see?” said Calla. “He wasn’t coming to pay your debt. He was coming to see if you’d returned to pay it yourself.

Do what ya have to do to pay off yer debt with Heaven,’ he said, his concern for proper speech abandoned. ‘But ya do not die on me, ya understand? I can’t live without ya. Yer all I got, woman.’ Her breath caught in her lungs. ‘I don’t want to be here if you’re not.

You don't pay back your parents. You can't. The debt you owe them gets collected by your children, who hand it down in turn. It's a sort of entailment. Or if you don't have children of the body, it's left as a debt to your common humanity. Or to your God, if you possess or are possessed by one. The family economy evades calculation in the gross planetary product. It's the only deal I know where, when you give more than you get, you aren't bankrupted - but rather, vastly enriched.

Civilized people must, I believe, satisfy the following criteria: 1) They respect human beings as individuals and are therefore always tolerant, gentle, courteous and amenable ... They do not create scenes over a hammer or a mislaid eraser; they do not make you feel they are conferring a great benefit on you when they live with you, and they don't make a scandal when they leave. (...) 2) They have compassion for other people besides beggars and cats. Their hearts suffer the pain of what is hidden to the naked eye. (...) 3) They respect other people's property, and therefore pay their debts. 4) They are not devious, and they fear lies as they fear fire. They don't tell lies even in the most trivial matters. To lie to someone is to insult them, and the liar is diminished in the eyes of the person he lies to. Civilized people don't put on airs; they behave in the street as they would at home, they don't show off to impress their juniors. (...) 5) They don't run themselves down in order to provoke the sympathy of others. They don't play on other people's heartstrings to be sighed over and cosseted ... that sort of thing is just cheap striving for effects, it's vulgar, old hat and false. (...) 6) They are not vain. They don't waste time with the fake jewellery of hobnobbing with celebrities, being permitted to shake the hand of a drunken [judicial orator], the exaggerated bonhomie of the first person they meet at the Salon, being the life and soul of the bar ... They regard prases like 'I am a representative of the Press!!' -- the sort of thing one only hears from [very minor journalists] -- as absurd. If they have done a brass farthing's work they don't pass it off as if it were 100 roubles' by swanking about with their portfolios, and they don't boast of being able to gain admission to places other people aren't allowed in (...) True talent always sits in the shade, mingles with the crowd, avoids the limelight ... As Krylov said, the empty barrel makes more noise than the full one. (...) 7) If they do possess talent, they value it ... They take pride in it ... they know they have a responsibility to exert a civilizing influence on [others] rather than aimlessly hanging out with them. And they are fastidious in their habits. (...) 8) They work at developing their aesthetic sensibility ... Civilized people don't simply obey their baser instincts ... they require mens sana in corpore sano. And so on. That's what civilized people are like ... Reading Pickwick and learning a speech from Faust by heart is not enough if your aim is to become a truly civilized person and not to sink below the level of your surroundings. [From a letter to Nikolay Chekhov, March 1886]

Guilt is a feeling that you owe a debt that you're not paying.

Because that's what the story's really about: getting out of paying your debts. That's not how they tell it, but I knew. My father was a moneylender, you see.

When you sleep I will creep Into your thoughts Like a bad debt That you can't pay Take the easy way and give in!

Sometimes the way to do what you hope to do will be clear cut, and sometimes it will be almost impossible to decide whether or not you are doing the correct thing, because you'll have to balance your goals and hopes with feeding yourself, paying debts, finding work, settling for what you can get.

Let's say that the consensus is that our species, being the higher primates, Homo Sapiens, has been on the planet for at least 100,000 years, maybe more. Francis Collins says maybe 100,000. Richard Dawkins thinks maybe a quarter-of-a-million. I'll take 100,000. In order to be a Christian, you have to believe that for 98,000 years, our species suffered and died, most of its children dying in childbirth, most other people having a life expectancy of about 25 years, dying of their teeth. Famine, struggle, bitterness, war, suffering, misery, all of that for 98,000 years. Heaven watches this with complete indifference. And then 2000 years ago, thinks 'That's enough of that. It's time to intervene,' and the best way to do this would be by condemning someone to a human sacrifice somewhere in the less literate parts of the Middle East. Don't lets appeal to the Chinese, for example, where people can read and study evidence and have a civilization. Let's go to the desert and have another revelation there. This is nonsense. It can't be believed by a thinking person. Why am I glad this is the case? To get to the point of the wrongness of Christianity, because I think the teachings of Christianity are immoral. The central one is the most immoral of all, and that is the one of vicarious redemption. You can throw your sins onto somebody else, vulgarly known as scapegoating. In fact, originating as scapegoating in the same area, the same desert. I can pay your debt if I love you. I can serve your term in prison if I love you very much. I can volunteer to do that. I can't take your sins away, because I can't abolish your responsibility, and I shouldn't offer to do so. Your responsibility has to stay with you. There's no vicarious redemption. There very probably, in fact, is no redemption at all. It's just a part of wish-thinking, and I don't think wish-thinking is good for people either. It even manages to pollute the central question, the word I just employed, the most important word of all: the word love, by making love compulsory, by saying you MUST love. You must love your neighbour as yourself, something you can't actually do. You'll always fall short, so you can always be found guilty. By saying you must love someone who you also must fear. That's to say a supreme being, an eternal father, someone of whom you must be afraid, but you must love him, too. If you fail in this duty, you're again a wretched sinner. This is not mentally or morally or intellectually healthy. And that brings me to the final objection - I'll condense it, Dr. Orlafsky - which is, this is a totalitarian system. If there was a God who could do these things and demand these things of us, and he was eternal and unchanging, we'd be living under a dictatorship from which there is no appeal, and one that can never change and one that knows our thoughts and can convict us of thought crime, and condemn us to eternal punishment for actions that we are condemned in advance to be taking. All this in the round, and I could say more, it's an excellent thing that we have absolutely no reason to believe any of it to be true.

FORBIDDEN Pain without learning is forbidden, waking up one day not knowing what to do, being afraid of your memories. It is forbidden not to smile at problems, not to fight for what you want, to abandon all because of fears, not to realize your dreams. It is forbidden not to show your love, to be ashamed of your tears, to not laugh with children, to make someone else pay your debts, bad humor. It is forbidden to forget your friends, to not try to understand why they live far away, to treat people as disposable, to call them only when you need them. It is forbidden to not be yourself in front of others, pretending around people you don’t care about, trying to be funny just so you'll be remembered, to forget about all the people who love you. It is forbidden not to do things for yourself, to be afraid of life and its commitments, to not to live each day as if it were your last. It forbidden to take someone out without having fun, to forget their eyes, their laugh, to not respect love even if it is past, just because your paths have stopped crossing, to forget your past and only live in the moment. It is forbidden not to try to understand people, to think that other’s lives are worth more than yours, to not know that each one of us has our own way and our own happiness. It is forbidden not create your own story, to have no time for people who need you, to not understand what life gives to you, and that it can also be taken away. It is forbidden not find your happiness, to not live your life with a positive attitude, to not think we can do better and be better, to feel that without you, this world would still be the same...

I know you all, and will awhile uphold The unyoked humour of your idleness. Yet herein will I imitate the sun, Who doth permit the base contagious clouds To smother up his beauty from the world, That when he please again to be himself, Being wanted, he may be more wondered at By breaking through the foul and ugly mists Of vapours that did seem to strangle him. If all the year were playing holidays, To sport would be as tedious as to work; But when they seldom come, they wished-for come, And nothing pleaseth but rare accidents. So, when this loose behaviour I throw off And pay the debt I never promisèd, By how much better than my word I am, By so much shall I falsify men’s hopes; And like bright metal on a sullen ground, My reformation, glitt’ring o’er my fault, Shall show more goodly and attract more eyes Than that which hath no foil to set it off. I’ll so offend to make offence a skill, Redeeming time when men think least I will.

You simply cannot pay the debts that come along with believing you are unworthy.

Why didn't these people over get it? Protect your own. Pay your debts. There was no other way to live, not if you wanted to live right. - Alex Stern

When a very serious little girl finds a magical door in the woods, she decides to leave behind a life of loneliness to go off in search of adventure, never expecting to find a mystical Market on the other side—where anything can happen, as long as you pay your debts.

A liberal is someone who feels a great debt to his fellow man, which debt he proposes to pay off with your money.

Because that’s what the story’s really about: getting out of paying your debts.

Your Highness, I have to take back everything that the Wei Kingdom owes, no matter what. As for what I owe you...I'll just pay it back with my life. If this life could not clear that debt either, I'll just pay it back in the next life.

technical debt’ that is not being paid down. It comes from taking shortcuts, which may make sense in the short-term. But like financial debt, the compounding interest costs grow over time. If an organization doesn’t pay down its technical debt, every calorie in the organization can be spent just paying interest, in the form of unplanned work.

I owe a debt to you," his low voice hissed at Shion's ear. "Four years ago, you saved my life. I'm paying back that debt. That's all." "Then you've paid enough. Too much, even." Shion gripped Nezumi's wrist to pry it away from his collar. But Nezumi's taut muscles showed no signs of relaxing. "Let go." "Make me, little boy." "I'll bite your nose off." Shion clicked his teeth. There was a split second of hesitation. Shion didn't miss it. He slid a hand around the back of Nezumi's neck. "Biting noses off is my specialty." "Huh? Wait a second, that's dirty―" "I forgot to mention, over these past four years, I've also learned how to fight.

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 real story isn’t half as pretty as the one you’ve heard. The real story is, the miller’s daughter with her long golden hair wants to catch a lord, a prince, a rich man’s son, so she goes to the moneylender and borrows for a ring and a necklace and decks herself out for the festival. And she’s beautiful enough, so the lord, the prince, the rich man’s son notices her, and dances with her, and tumbles her in a quiet hayloft when the dancing is over, and afterwards he goes home and marries the rich woman his family has picked out for him. Then the miller’s despoiled daughter tells everyone that the moneylender’s in league with the devil, and the village runs him out or maybe even stones him, so at least she gets to keep the jewels for a dowry, and the blacksmith marries her before that firstborn child comes along a little early. Because that’s what the story’s really about: getting out of paying your debts.

Lifestyle creep is when the cost of your lifestyle rises in tandem with your income. Any income bump goes toward paying higher expenses.

She says I owe her." "And you always pay your debts? What kind of craziness is that?" "Some people would say it's honorable." "Some people are stupid.

Why didn't these people over get it? Protect your own. Pay your debts. There was no other way to live, not if you wanted to live right.

The truth is - no matter how “self-made” you think you are, you are really made by many who have invested in your life. Be known as a thankful and grateful person… and be known as the person that is investing in others to build them up, as well. It’s your way of paying back the debt that others have invested in you.

Now discontent nibbled at him - not painfully, but constantly. Where does discontent start? You are warm enough, but you shiver. You are fed, yet hunger gnaws you. You have been loved, but your yearning wanders in new fields. And to prod all these there's time, the bastard Time. The end of life is now not so terribly far away - you can see it the way you see the finish line when you come into the stretch - and your mind says, "Have I worked enough? Have I eaten enough? Have I loved enough?" All of these, of course, are the foundation of man's greatest curse, and perhaps his greatest glory. "What has my life meant so far, and what can it mean in the time left to me?" And now we're coming to the wicked, poisoned dart: "What have I contributed in the Great Ledger? What am I worth?" And this isn't vanity or ambition. Men seem to be born with a debt they can never pay no matter how hard they try. It piles up ahead of them. Man owes something to man. If he ignores the debt it poisons him, and if he tries to make payments the debt only increases, and the quality of his gift is the measure of the man.

Will the adoption of this new plan pay our debts! This, Sir, is a plain question. It is inferred, that our grievances are to be redressed, and the evils of the existing system to be removed by the new Constitution. Let me inform the Honorable Gentleman, that no nation ever paid its debts by a change of Government, without the aid of in- dustry. You never will pay your debts but by a radical change of domestic economy...The evils that attend us, lie in extravagance and want of industry and can only be removed by assiduity and economy.

You’re a young man now, not a child. Question is, what are you gonna do to earn your keep? To pay back what is owed? It’s a man’s duty to never be in debt

Call anguish--anguish, and despair--despair; write both down in strong characters with a resolute pen: you will the better pay your debt to Doom.

But the American Dream has a price tag on it. The cost changes depending on where you’re born and to whom, with what color skin and with how much money in your parents’ bank account. The poorer you are, the higher the price. You can pay an entire life in labor, it turns out, and have nothing to show for it. Less than nothing, even: debt, injury, abject need.

I began, reluctantly, to steal from the present to pay off debts I knew I'd incur in the future. This, I knew, was as much a crime as closing the shutters on sunny afternoons.

Mark, you don't pay back your parents. You can't. The debt you owe them gets collected by your children, who hand it down in turn. It's a sort of entailment. Or if you don't have children of the body, it's left as a debt to your common humanity. Or to your God, if you possess or are possessed by one." "I'm not sure that seems fair." "The family economy evades calculation in the gross planetary product. It's the only deal I know where, when you give more than you get, you aren't bankrupted—but rather, vastly enriched.

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

Would you - would you like to marry me, Kitty?' Lord Radcliffe - James - asked, voice like gravel. She gave a helpless little laugh at the absurdity of the question - as if he did not know. 'I would,' she said. 'But first, I feel I must inform you that I come with four sisters, a badly leaking roof, and a veritable ocean of debt.' He had started to smile now, and once begun it did not seem to stop, overtaking his whole face. “I thank you for your honesty,’ he said cordially, and she laughed. ‘May I reassure you that I am desperate to meet your other sisters, the roof sounds charmingly rustic, and the debt does not faze me.’ He paused. ‘Of course, I understand that you will need to see my accounts before committing yourself,’ he went on, and she laughed again, loud and bright. ‘I’m sure that won’t be necessary,’ she said. ‘As long as you can promise you’re absurdly rich and you’ll pay off all my family’s debts.’ ‘I am absurdly rich,’ he repeated. ‘And I will pay off all your family’s debts.’ ‘Why then by all means,’ she said, grinning up at him, ‘I would indeed like to marry you.

If money management isn't something you enjoy, consider my perspective. I look at managing my money as if it were a part-time job. The time you spend monitoring your finances will pay off. You can make real money by cutting expenses and earning more interest on savings and investments. I'd challenge you to find a part-time job where you could potentially earn as much money for just an hour or two of your time.

You know, Bob, school is school, one of those life experiences we kids all have to get through in order to become you. Then we wonder what all the fuss was about, especially while we're cleaning up your little messes: toxic waste, war, bank bailouts. Honestly, if we ran up debt the way you guys do? You'd ground us, take away our cells, and make us clean toilets with a toothbrush until we'd pay back every penny.

Pain can be beautiful," he says, exhaling a cloud of smoke. "It can transform. It can create." "But I don't want to be in pain," says Henry hoarsely. "I want-" "You want to be loved." A small empty sound, half cough, half sob. "Yes." "Then be loved." "You make it sound simple." "It is," says the stranger. "If you're willing to pay.

What an important lesson for every young person to learn: If you defy the collective psychosis of nationalism, of imperial war, you will pay for it. And the people in your community, your home, who you thought knew and loves you, will be the ones to collect the debt.

That’s why you never hear politicians talking about ‘citizens,’ it’s all ‘taxpayers,’ as though the salient fact of your relationship to the state is how much you pay. Like the state was a business and citizenship was a loyalty program that rewarded you for your custom with roads and health care. Zottas cooked the process so they get all the money and own the political process, pay as much or as little tax as they want. Sure, they pay most of the tax, because they’ve built a set of rules that gives them most of the money. Talking about ‘taxpayers’ means that the state’s debt is to rich dudes, and anything it gives to kids or old people or sick people or disabled people is charity we should be grateful for, since none of those people are paying tax that justifies their rewards from Government Inc.

For a few weeks Marco and I talked about the purpose of our lives. We’d come to see that our debt-ridden lifestyle was hindering us from accomplishing all we were created to do.

People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” -Zig Ziglar

Acknowledgements! My thanks to Hollywood When you showed me John Rambo Stitching up his arm with no anaesthetic And giving them “a war they won’t believe” I knew then my calling, the job for me Thanks also to the recruitment adverts For showing me soldiers whizzing around on skis And for sending sergeants to our school To tell us of the laughs, the great food, the pay The camaraderie I am, dear taxpayer, forever in your debt You paid for my all-inclusive pilgrimage One year basking in the Garden of Eden (I haven’t quite left yet) Thanks to Mum and thanks to Dad Fuck it, Thanks to every parent Flushing with pride for their brave young lads Buying young siblings toy guns and toy tanks Waiting at the airport Waving their flags

After Daskalos returned to his armchair and was getting ready to continue our discussion I asked him whether the affliction of that man was due to karmic debts. “ ‘All illnesses are due to Karma,’ Daskalos replied. ‘It is either the result of your own debts or the debts of others you love.’ “ ‘I can understand paying for one’s own Karma but what does it mean paying the Karma of someone you love?’ I asked. “ ‘What do you think Christ meant,’ Daskalos said, ‘when he urged us to bear one another’s burdens?’ “ ‘Karma,’ Daskalos explained, ‘has to be paid off in one way or another. This is the universal law of balance. So when we love someone, we may assist him in paying part of his debt. But this,’ he said, ‘is possible only after that person has received his ‘lesson’ and therefore it would not be necessary to pay his debt in full. When most of the Karma has been paid off someone else can assume the remaining burden and relieve the subject from the pain. When we are willing to do that,’ Daskalos continued, ‘the Logos will assume nine-tenths of the remaining debt and we would actually assume only one-tenth. Thus the final debt that will have to be paid would be much less and the necessary pain would be considerably reduced. These are not arbitrary percentages,’ Daskalos insisted, ‘but part of the nature of things.

I squirreled away small things so that in the lean days ahead glimmers from the past might bring back the warmth. I began, reluctantly, to steal from the present to pay off debts I knew I’d incur in the future. This, I knew, was as much a crime as closing the shutters on sunny afternoons.

But I had heeded the warning, and as is said of juries who have heard inadmissible evidence before it is stricken from the record, suddenly realized that we were on borrowed time, that time is always borrowed, and that the lending agency exacts its premium precisely when we are least prepared to pay and need to borrow more. […] I squirreled away small things so that in the lean days ahead glimmers from the past might bring back the warmth. I began, reluctantly, to steal from the present to pay off debts I knew I’d incur in the future. This, I knew, was as much a crime as closing the shutters on sunny afternoons. But I also knew that in Mafalda’s superstitious world, anticipating the worst was as sure a way of preventing it from happening. When we went on a walk one night and he told me that he’d soon be heading back home, I realized how futile my alleged foresight had been. Bombs never fall on the same spot; this one, for all my premonitions, fell exactly in my hideaway.

Some of you, we all know, are poor, find it hard to live, are sometimes, as it were, gasping for breath. I have no doubt that some of you who read this book are unable to pay for all the dinners which you have actually eaten, or for the coats and shoes which are fast wearing or are already worn out, and have come to this page to spend borrowed or stolen time, robbing your creditors of an hour. It is very evident what mean and sneaking lives many of you live, for my sight has been whetted by experience; always on the limits, trying to get into business and trying to get out of debt, a very ancient slough, called by the Latins aes alienum, another's brass, for some of their coins were made of brass; still living, and dying, and buried by this other's brass; always promising to pay, promising to pay, tomorrow, and dying today, insolvent; seeking to curry favor, to get custom, by how many modes, only not state-prison offences; lying, flattering, voting, contracting yourselves into a nutshell of civility or dilating into an atmosphere of thin and vaporous generosity, that you may persuade your neighbor to let you make his shoes, or his hat, or his coat, or his carriage, or import his groceries for him; making yourselves sick, that you may lay up something against a sick day, something to be tucked away in an old chest, or in a stocking behind the plastering, or, more safely, in the brick bank; no matter where, no matter how much or how little.

Your emotions will wander like a vagabond when you're indebted. Those happy moments with friends will soon be interrupted with a frowning creditor in your sub-conscious, and all your frenzy will be taken aback.

I do not pretend to give such a sum; I only lend it to you. When you shall return to your country with a good character, you cannot fail of getting into some business, that will in time enable you to pay all your debts. In that case, when you meet with another honest man in similar distress, you must pay me by lending this sum to him; enjoining him to discharge the debt by a like operation, when he shall be able, and shall meet with such another opportunity. I hope it may thus go through many hands, before it meets with a knave that will stop its progress. This is a trick of mine for doing a deal of good with a little money.

Here we come to the central question of this book: What, precisely, does it mean to say that our sense of morality and justice is reduced to the language of a business deal? What does it mean when we reduce moral obligations to debts? What changes when the one turns into the other? And how do we speak about them when our language has been so shaped by the market? On one level the difference between an obligation and a debt is simple and obvious. A debt is the obligation to pay a certain sum of money. As a result, a debt, unlike any other form of obligation, can be precisely quantified. This allows debts to become simple, cold, and impersonal-which, in turn, allows them to be transferable. If one owes a favor, or one’s life, to another human being-it is owed to that person specifically. But if one owes forty thousand dollars at 12-percent interest, it doesn’t really matter who the creditor is; neither does either of the two parties have to think much about what the other party needs, wants, is capable of doing-as they certainly would if what was owed was a favor, or respect, or gratitude. One does not need to calculate the human effects; one need only calculate principal, balances, penalties, and rates of interest. If you end up having to abandon your home and wander in other provinces, if your daughter ends up in a mining camp working as a prostitute, well, that’s unfortunate, but incidental to the creditor. Money is money, and a deal’s a deal. From this perspective, the crucial factor, and a topic that will be explored at length in these pages, is money’s capacity to turn morality into a matter of impersonal arithmetic-and by doing so, to justify things that would otherwise seem outrageous or obscene. The factor of violence, which I have been emphasizing up until now, may appear secondary. The difference between a “debt” and a mere moral obligation is not the presence or absence of men with weapons who can enforce that obligation by seizing the debtor’s possessions or threatening to break his legs. It is simply that a creditor has the means to specify, numerically, exactly how much the debtor owes.

When you hear the phrase “rescue the financial system,” translate it in your mind into “keep the debts on the books.” They are trying to find a way for you (and debtor nations too) to keep paying and for the debt to keep growing.

I give it a fifty-fifty chance of total failure. If Kai refuses to repay a debt he legitimately owes, he'll be dishonoured in front of his entire Flight. Thunderbirds always avenge their dead, honour their word, and pay their debts. Those seem to be the only laws they have." Based on what little time I'd spent with them. Marc frowned. "It's the 'legitimately owes' part that worries me." "Thus the fifty-fifty shot of failure." I stared up at the nest, watching for any sign of activity. "It all depends on whether or not I'm able to bullshit him into thinking he owes us." "The odds are always in your favour when bullshit's involved." Jace grinned, and I couldn't help returning his smile.

Top Five Chinese Rules 1. Respect your parents, your elders and your teachers. Never talk back or challenge them under any circumstance. 2. Education is the most important thing. It's more important than independence, the pursuit of happiness and sex. 3. Pay back your parents when you are working. We were all born with a student loan debt to our Asian parents. Asian parents' retirement plans are their kids. 4. Always call your elders "Uncle" or "Auntie," even if they are not related to you. Never call them by their first names. 5. Family first, money second, pursue your dreams never.

A credit default swap was confusing mainly because it wasn’t really a swap at all. It was an insurance policy, typically on a corporate bond, with semiannual premium payments and a fixed term. For instance, you might pay $200,000 a year to buy a ten-year credit default swap on $100 million in General Electric bonds. The most you could lose was $2 million: $200,000 a year for ten years. The most you could make was $100 million, if General Electric defaulted on its debt any time in the next ten years and bondholders recovered nothing. It was a zero-sum bet: If you made $100 million, the guy who had sold you the credit default swap lost $100 million. It was also an asymmetric bet, like laying down money on a number in roulette. The most you could lose were the chips you put on the table; but if your number came up you made thirty, forty, even fifty times your money.

Financial success isn’t about how much you make, but about what you do with what you make.” “I work too hard for my money to spend it on fruitless things.” “It’s our responsibility today to plan for tomorrow’s expenses.” “Most of America’s wealthy aren’t showing it off.

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

Genuine surprise is a great help when faced with an unwelcome duty. Of course, when it’s the paying of debts you’re forgetting, that can lead to broken fingers. And worse. I guess it’s a form of lying— lying to oneself. And I’m very good at falsehoods. They often say the best liars half-believe their lies— which makes me the very best because if I repeat a lie often enough I can end up believing it entirely, no half measures involved!

You've gotta help this girl now." "What if she doesn't want my help?" "You gave her a new life , and when she saw you again she hugged you. Trust me, this is not a girl who forgets a debt. At first she'll be hanging around you trying to figure out how to pay the debt off, and that's when you'll wheedle your way in." "I don't want to wheedle." "There's no shame in the wheedle" "Really? Because I feel like there should be a little shame.

We live in a patriarchal world—a system that aids and abets inequality. In this system that has gatekept financial information and tools from marginalized groups, it is an act of protest to be financially independent. It is an act of protest to overcome negative beliefs about money in order to save, pay off debt, invest, and find fulfilling work. It is an act of protest to prioritize rest instead of hustle, abundance rather than scarcity, and generosity in place of stockpiling. In a world that actively works to keep us playing small, it is an act of protest to be stable, content, and powerful.

Take up citizenship and the conversion it entailed, send a couple of your sons to the levy when they were of age, pay taxes calculated not to drive you and your family into penury or the mountains and the life of a bandit. Oh, and while you’re at it, steer clear of debt and disease. Chances were — mostly — if you did all that, you’d never starve, never have your home burned down and your children raped before your eyes, never have to wear a slave collar.

Many people are without vital interests and are hungry to hear what other people are doing. They are usually the ones who keep the radio turned on from early morning till late at night. They must be entertained every minute. Their own affairs do not hold enough interest. A woman once said to me: “I love other people’s affairs.” She lived on gossip. Her conversation consisted of, “I was told,” “I was given to understand,” or “I heard.” It is needless to say she is now paying her Karmic debt. A great unhappiness has overtaken her and everyone knows about her affairs. It is dangerous to neglect your own affairs and to take an idle curiosity in what others are doing. We should all be busily engaged in perfecting ourselves, but take a kindly interest in others.

THE SIX LAWS OF WEALTH   The First Law of Wealth: Keep a part of all you earn. Save at least 10% of your income.     The Second Law of Wealth: Put your savings to work for you. Invest it so that it will multiply.   The Third Law of Wealth: Avoid debt. The poor pay interest, while the rich earn interest.   The Fourth Law of Wealth: Don’t speculate in get-rich-quick schemes. Invest in solid businesses that you understand.     The Fifth Law of Wealth: Invest in yourself. Gain knowledge and skills to increase your earning power.     The Sixth Law of Wealth: Safeguard your growing fortune with diversification and insurance.

Sometimes the way to do what you hope to do will be clear cut, and sometimes it will be almost impossible to decide whether or not you are doing the correct thing, because you'll have to balance your goals and hopes with feeding yourself, paying debts, finding work, settling for what you can get. Something that worked for me was imagining that where I wanted to be – an author, primarily of fiction, making good books, making good comics and supporting myself through my words – was a mountain. A distant mountain. My goal. And I knew that as long as I kept walking towards the mountain I would be all right. And when I truly was not sure what to do, I could stop, and think about whether it was taking me towards or away from the mountain. I said no to editorial jobs on magazines, proper jobs that would have paid proper money because I knew that, attractive though they were, for me they would have been walking away from the mountain. And if those job offers had come along earlier I might have taken them, because they still would have been closer to the mountain than I was at the time.

The truth is – no matter how “self-made” you think you are, you are really made by many who have invested in your life. Be known as a thankful and grateful person… and be known as the person that is investing in others to build them up, as well. It’s your way of paying back the debt that others have invested in you.

Learning to accept powerlessness has profound spiritual implications for your child. When we accept the reality of our human condition -- that we are ultimately powerless to change our fallen state, yet totally responsible for being in it -- we are driven to receive God's solution based on his Son's payment of a debt we can't pay.

Deleuze says that Control societies are based on debt rather than enclosure; but there is a way in which the current education system both indebts and encloses students. Pay for your own exploitation, the logic insists – get into debt so you can get the same McJob you could have walked into if you’d left school at sixteen… Jameson

The battle to be satisfied is a battle of focus. We often spend our time mulling over what we don’t have instead of considering the benefits of what we already possess. To walk in a place of contentment, there are two things you have to do: Focus on the good aspects of what you already have. Stop thinking about what you don’t have.

O highest and best, most powerful, most all-powerful, most merciful and most just, most deeply hidden and most nearly present, most beautiful and most strong, constant yet incomprehensible, changeless yet changing all things, never new, never old, making all things new, bringing the proud to decay and they know it not: always acting and always at rest, still gathering yet never wanting; upholding, filling and protecting, creating, nourishing, and bringing to perfection; seeking, although in need of nothing. You love, but with no storm of passion; you are jealous, but with no anxious fear; you repent, but do not grieve; in your anger calm; you change your works, but never change your plan; you take back what you find and yet have never lost; never in need, you are yet glad of gain; never greedy, yet still demanding profit on your loans; to be paid in excess, so that you may be the debtor, and yet who has anything which is not yours? You pay back debts which you never owed and cancel debts without losing anything.

Banking was conceived in iniquity and was born in sin. The bankers own the earth. Take it away from them, but leave them the power to create deposits, and with a flick of the pen they will create enough deposits to buy it back again. However, take it away from them, and all the great fortunes like mine will disappear and they ought to disappear, for this would be a happier and better world to live in. But, if you wish to remain the slaves of the bankers and pay the cost of your own slavery, let them continue to create deposits.

Were you locked in your room?" enquired Sir Richard. "Oh no! I daresay I should have been if Aunt had guessed what I meant to do, but she would never think of such a thing." "Then--forgive my curiosity!--why did you climb out of the window?" asked Sir Richard. "Oh, that was on account of Pug!" replied Pen sunnily. "Pug?" "Yes, a horrid little creature! He sleeps in a basket in the hall, and he always yaps if he thinks one is going out. That would have awakened Aunt Almeria. There was nothing else I could do." Sir Richard regarded her with a lurking smile. "Naturally not. Do you know, Pen, I owe you a debt of gratitude?" "Oh!" she said again. "Do you mean that I don't behave as a delicately bred femaile should?" "That is one way of putting it, certainly." "It is the way Aunt Almeria puts it." "She would, of course." "I am afraid," confessed Pen, "that I am not very well-behaved. Aunt says that I had a lamentable upbringing, because my father treated me as though I had been a boy. I ought to have been, you understand." "I cannot agree with you," said Sir Richard. "As a boy you would have been in no way remarkable; as a female, believe me, you are unique." She flushed to the roots of her hair. "I think that is a compliment." "It is," Sir Richard said, amused. "Well, I wasn't sure, because I am not out yet, and I do not know any men except my uncle and Fred, and they don't pay compliments. That is to say, not like that.

You’ve just described ‘technical debt’ that is not being paid down. It comes from taking shortcuts, which may make sense in the short-term. But like financial debt, the compounding interest costs grow over time. If an organization doesn’t pay down its technical debt, every calorie in the organization can be spent just paying interest, in the form of unplanned work.

Note to future generations: In our time, are such things as credit cards. Company loans money, you pay back at high interest rate. Is nice for when you do not actually have money to do thing you want to do (for example, buy extravagant cheetah). You may say, safe in your future time: Wouldn’t it be better to simply not do things you can’t afford to do? Easy for you to say.

I wished I were like those soldiers in films who run out of bullets and toss away their guns as though they would never again have any use for them, or like runaways in the desert who, rather than ration the water in the gourd, yield to thirst and swill away, then drop their gourd in their tracks. Instead, I squirreled away small things so that in the lean days ahead glimmers from the past might bring back the warmth. I began, reluctantly, to steal from the present to pay off debts I knew I'd incur in the future. This, I knew, was as much a crime as closing the shutters on sunny afternoons. But I also knew that in Mafalda's superstitious world, anticipating the worst was as sure a way of preventing it from happening. When we went on a walk one night and he told me that he'd soon be heading back home, I realized how futile my alleged foresight had been. Bombs never fall on the same spot; this one, for all my premonitions, fell exactly in my hideaway.

But first, I feel I must inform you that I come with four sisters, a badly leaking roof, and a veritable ocean of debt.’ He had started to smile now, and once begun it did not seem to stop, overtaking his whole face. ‘I thank you for your honesty,’ he said cordially, and she laughed. ‘May I reassure you that I am desperate to meet your other sisters, the roof sounds charmingly rustic, and the debt does not faze me.’ He paused. ‘Of course, I understand that you will need to see my accounts before committing yourself,’ he went on, and she laughed again, loud and bright. ‘I’m sure that won’t be necessary,’ she said. ‘As long as you can promise you’re absurdly rich and you’ll pay off all my family’s debts.’ ‘I am absurdly rich,’ he repeated. ‘And I will pay off all your family’s debts.

I don’t believe in religion, for I don’t see that your religious people are any better than the rest.” “If they are not better,” put in Jerry, “it is because they are not religious. You might as well say that our country’s laws are not good because some people break them. If a man gives way to his temper, and speaks evil of his neighbour, and does not pay his debts, he is not religious, I don’t care how much he goes to church. If some men are shams and humbugs, that does not make religion untrue. Real religion is the best and truest thing in the world, and the only thing that can make a man really happy, or make the world any better.

What this means is that the entire business model for something like Chase’s credit card business is not much more than a gigantic welfare fraud scheme. These companies borrow hundreds of billions of dollars from the Fed at rock-bottom rates, then turn around and lend it out to the world at 5, 10, 15, 20 percent, as credit cards and mortgages, boat loans and aircraft loans, and so on. If you pay it back, great, it’s a 500 percent or 1,000 percent or 4,000 percent profit for the bank. If you don’t pay it back, the company can put your name in the hopper to be sued. A $5,000 debt on a credit card for the now-defunct Circuit City, which was actually a Chase card, became a $13,000 or $14,000 debt by the time the bank finished applying fees and penalties. Just like a welfare application, you have to read the fine print. “They make more on lawsuits than they make on credit interest,” says Linda.

Learn to forgive yourself. You graduated with debt and that had you stepping out into the world without a clean slate. That plus the influences around you may now have caused you to think less of yourself. Have your low moments, but please don't stew in them the way your OG's have. Remember you only did what you thought was best at the time. You didn't know better. You thought it would be better after you got out. The system, as it is designed now, is set up for your failure. You don't want to sound like one of those sad statistics, but you are in the same boat. Forgive yourself for that. Do what you can and pay what you can and allow yourself a little joy in the meantime.

Slade placed his pistol on the table next to his chair. "Sid down, Doll. This might take awhile," he said, as he took a deep breath. "I gots a proposition for ya'. Does 100 G's interest you? Sure might help keep them debt collectors you got at bay. Plus, might be able to finish up yer' master's degree without havin' to work your ass off to pay the bills.

The Lord’s Prayer is found in Matthew 6. In verse 12 Jesus says, “Forgive us our debts, as we forgive our debtors” (NKJV). When God talks about debts, He’s not just talking about monetary debts. He’s talking about the times when people hurt you, the times when people do you wrong. God refers to that as a debt because when you are mistreated, you may feel you are owed something. Human nature says, “I was wronged. Now I want justice. You mistreated me. Now you’ve got to pay me back.” But the mistake many people make is in trying to collect a debt that only God can pay. The father can’t give his daughter’s innocence back to her. Your parents can’t pay you back for not having a loving childhood. Your spouse can’t pay you back for the pain he caused by being unfaithful. Only God can truly pay you back. If you want to be restored and whole, get on God’s payroll. He knows how to make things right. He knows how to bring justice. He’ll give you what you deserve. Leave it up to Him. Quit expecting people to make it up to you. They can’t give you what they don’t have.

Many of you reading this are convinced that you could become wealthy if you could get out of debt. The problem now is that you are feeling more and more trapped by the debt. I have great news! I have a foolproof, but very difficult, method for getting out of debt. Most people won’t do it because they are average, but not you. You have already figured out that if you will live like no one else, later you can live like no one else. You are sick and tired of being sick and tired, so you are willing to pay the price for greatness. This is the toughest of all the Baby Steps to your Total Money Makeover. It is so hard, but it is so worth it. This step requires the most effort, the most sacrifice, and is where all your broke friends and relatives will make fun of you (or join you).

NO PERFORMANCE MANAGEMENT OR EMPLOYEE FEEDBACK PROCESS Your company now employs twenty-five people and you know that you should formalize the performance management process, but you don’t want to pay the price. You worry that doing so will make it feel like a “big company.” Moreover, you do not want your employees to be offended by the feedback, because you can’t afford to lose anyone right now. And people are happy, so why rock the boat? Why not take on a little management debt? The first noticeable payments will be due when somebody performs below expectations: CEO: “He was good when we hired him; what happened?” Manager: “He’s not doing the things that we need him to do.” CEO: “Did we clearly tell him that?” Manager: “Maybe not clearly . . .” However, the larger payment will be a silent tax. Companies execute well when everybody is on the same page and everybody is constantly improving. In a vacuum of feedback, there is almost no chance that your company will perform optimally across either dimension. Directions with no corrections will seem fuzzy and obtuse. People rarely improve weakness they are unaware of. The ultimate price you will pay for not giving feedback: systematically crappy company performance.

All That You Have Is Your Soul Oh my mama told me 'Cause she say she learned the hard way Say she wanna spare the children She say don't give or sell your soul away 'Cause all that you have is your soul Don't be tempted by the shiny apple Don't you eat of a bitter fruit Hunger only for a taste of justice Hunger only for a world of truth 'Cause all that you have is your soul I was a pretty young girl once I had dreams I had high hopes I married a man he stole my heart away He gave his love but what a high price I paid And all that you have is your soul Why was I such a young fool Thought I'd make history Making babies was the best I could do Thought I'd made something that could be mine forever Found out the hard way one can't possess another And all that you have is your soul I thought thought that I could find a way To beat the system To make a deal and have no debts to pay I'd take it all take it all I'd run away Me for myself first class and first rate But all that you have is your soul Here I am waiting for a better day A second chance A little luck to come my way A hope to dream a hope that I can sleep again And wake in the world with a clear conscience and clean hands 'Cause all that you have is your soul All that you have All that you have All that you have Is your soul

After you list the debts smallest to largest, pay the minimum payment to stay current on all the debts except the smallest. Every dollar you can find from anywhere in your budget goes toward the smallest debt until it is paid. Once the smallest is paid, the payment from that debt, plus any extra “found” money, is added to the next smallest debt. (Trust me, once you get going, you will find money.) Then, when debt number two is paid off, you take the money that you used to pay on number one and number two and you pay it, plus any found money, on number three. When three is paid, you attack four, and so on. Keep paying minimums on all the debts except the smallest until it is paid. Every time you pay one off, the amount you pay on the next one down increases. All the money from old debts and all the money you can find anywhere goes on the smallest until it is gone. Attack! Every time the Snowball rolls over, it picks up more snow and gets larger, and by the time you get to the bottom, you have an avalanche.

What shall I say, what word, what cry recall, What god invoke, what charm, what amulet, To make a sonnet pay a hopeless debt, Or heal a bruised soul with a madrigal? O vanity of words! my cup of gall O'erflows with this, I have no phrase to set, And all my agony and bloody sweat Comes to this issue of no words at all. This is my book, and in my book my soul With its two woven threads of joy and pain, And both were yours before they were begun. Oh! that this dream would like a mist unroll, That I might look upon your face again, And hear your kind voice say: 'This was well done.

but I have had some delightful thoughts of late from just hearing the title of a book, God’s Method with the Maladies of the Soul. It gives one such a conception of the seeming ills of life: to think of Him as our Physician, the ills all remedies, the deprivations only a wholesome regimen, the losses all gains. Why, as I study this individual case and that, see how patiently and persistently He tries now this remedy now that, and how infallibly He cures the souls that submit to His remedies, I love Him so! I love Him so! And I am so astonished that we are restive under His unerring hand! Think how He dealt with me. My soul was sick unto death, sick with worldliness and self-pleasing folly. There was only one way of making me listen to reason and that was just the way He took. He snatched me right out of the world and shut me up in one room, crippled, helpless, and alone, and set me to thinking, thinking, thinking till I saw the emptiness and shallowness of all in which I had hitherto been involved. And then He sent you and your mother to show me the reality of life and to reveal to me my invisible, unknown Physician. Can I love Him with half my heart? Can I be asking questions as to how much I am to pay toward the debt I owe Him?

Probably the first book that Hamilton absorbed was Malachy Postlethwayt’s Universal Dictionary of Trade and Commerce, a learned almanac of politics, economics, and geography that was crammed with articles about taxes, public debt, money, and banking. The dictionary took the form of two ponderous, folio-sized volumes, and it is touching to think of young Hamilton lugging them through the chaos of war. Hamilton would praise Postlethwayt as one of “the ablest masters of political arithmetic.” A proponent of manufacturing, Postlethwayt gave the aide-de-camp a glimpse of a mixed economy in which government would both steer business activity and free individual energies. In the pay book one can see the future treasury wizard mastering the rudiments of finance. “When you can get more of foreign coin, [the] coin for your native exchange is said to be high and the reverse low,” Hamilton noted. He also stocked his mind with basic information about the world: “The continent of Europe is 2600 miles long and 2800 miles broad”; “Prague is the principal city of Bohemia, the principal part of the commerce of which is carried on by the Jews.” He recorded tables from Postlethwayt showing infant-mortality rates, population growth, foreign-exchange rates, trade balances, and the total economic output of assorted nations.

July 14, 1861 Camp Clark, Washington My very dear Sarah: The indications are very strong that we shall move in a few days — perhaps tomorrow. Lest I should not be able to write again, I feel impelled to write a few lines that may fall under your eye when I shall be no more… I have no misgivings about, or lack of confidence in the cause in which I am engaged, and my courage does not halt or falter. I know how strongly American Civilization now leans on the triumph of the Government and how great a debt we owe to those who went before us through the blood and sufferings of the Revolution. And I am willing — perfectly willing — to lay down all my joys in this life, to help maintain this Government, and to pay that debt… Sarah my love for you is deathless, it seems to bind me with mighty cables that nothing but Omnipotence could break; and yet my love of Country comes over me like a strong wind and bears me unresistibly on with all these chains to the battle field. The memories of the blissful moments I have spent with you come creeping over me, and I feel most gratified to God and to you that I have enjoyed them for so long. And hard it is for me to give them up and burn to ashes the hopes of future years, when, God willing, we might still have lived and loved together, and seen our sons grown up to honorable manhood, around us. I have, I know, but few and small claims upon Divine Providence, but something whispers to me — perhaps it is the wafted prayer of my little Edgar, that I shall return to my loved ones unharmed. If I do not my dear Sarah, never forget how much I love you, and when my last breath escapes me on the battle field, it will whisper your name. Forgive my many faults and the many pains I have caused you. How thoughtless and foolish I have often times been! How gladly would I wash out with my tears every little spot upon your happiness… But, O Sarah! If the dead can come back to this earth and flit unseen around those they loved, I shall always be near you; in the gladdest days and in the darkest nights … always, always, and if there be a soft breeze upon your cheek, it shall be my breath, as the cool air fans your throbbing temple, it shall be my spirit passing by. Sarah do not mourn me dead; think I am gone and wait for thee, for we shall meet again…

That City of yours is a morbid excrescence. Wall Street is a morbid excrescence. Plainly it's a thing that has grown out upon the social body rather like -- what do you call it? -- an embolism, thrombosis, something of that sort. A sort of heart in the wrong place, isn't it? Anyhow -- there it is. Everything seems obliged to go through it now; it can hold up things, stimulate things, give the world fever or pain, and yet all the same -- is it necessary, Irwell? Is it inevitable? Couldn't we function economically quite as well without it? Has the world got to carry that kind of thing for ever? "What real strength is there in a secondary system of that sort? It's secondary, it's parasitic. It's only a sort of hypertrophied, uncontrolled counting-house which has become dominant by falsifying the entries and intercepting payment. It's a growth that eats us up and rots everything like cancer. Financiers make nothing, they are not a productive department. They control nothing. They might do so, but they don't. They don't even control Westminster and Washington. They just watch things in order to make speculative anticipations. They've got minds that lie in wait like spiders, until the fly flies wrong. Then comes the debt entanglement. Which you can break, like the cobweb it is, if only you insist on playing the wasp. I ask you again what real strength has Finance if you tackle Finance? You can tax it, regulate its operations, print money over it without limit, cancel its claims. You can make moratoriums and jubilees. The little chaps will dodge and cheat and run about, but they won't fight. It is an artificial system upheld by the law and those who make the laws. It's an aristocracy of pickpocket area-sneaks. The Money Power isn't a Power. It's respectable as long as you respect it, and not a moment longer. If it struggles you can strangle it if you have the grip...You and I worked that out long ago, Chiffan... "When we're through with our revolution, there will be no money in the world but pay. Obviously. We'll pay the young to learn, the grown-ups to function, everybody for holidays, and the old to make remarks, and we'll have a deuce of a lot to pay them with. We'll own every real thing; we, the common men. We'll have the whole of the human output in the market. Earn what you will and buy what you like, we'll say, but don't try to use money to get power over your fellow-creatures. No squeeze. The better the economic machine, the less finance it will need. Profit and interest are nasty ideas, artificial ideas, perversions, all mixed up with betting and playing games for money. We'll clean all that up..." "It's been going on a long time," said Irwell. "All the more reason for a change," said Rud.

...Because the sacred fire that lights all nature liveliest of all in its own image glows. All these prerogatives the human creature possesses, and if one of them should fail, he must diminish from his noble stature. Sin only can disenfranchise him, and veil his likeness to the Highest Good; whereby the light in him is lessened and grows pale. Ne'er can he win back dignities so high till the void made by guilt be all filled in with just amends paid for by illicit joy. Now, when your nature as a whole did sin in its first root, it lost these great awards, and lost the Eden of its origin; nor might they be recovered afterwards by any means, as if thou search thou'lt see, except by crossing one of these two fords; either must God, of his sole courtesy, remit, or man must pay with all that's his, the debt of sin in its entirety. Within the Eternal Counsel's deep abyss rivet thine eye, and with a heed as good as thou canst give me, do thou follow this. Man from his finite assets never could make satisfaction; ne'er could he abase him so low, obey thereafter all he would, as he'd by disobedience sought to raise him; and for this cause man might not pay his due himself, nor from the debtor's roll erase him. Needs then must God, by his own ways, renew man's proper life, and reinstate him so; his ways I say - by one, or both of two. And since the doer's actions ever show more gracious as the style of them makes plain the goodness of the heart from which they flow, that most high Goodness which is God was fain - even God, whose impress Heaven and earth display - by all His ways to lift you up again; nor, between final night and primal day, was e'er proceeding so majestical and high, nor shall not be, by either way; for God's self-giving, which made possible that man should raise himself, showed more largesse than if by naked power He'd cancelled all; and every other means would have been less than justice, if it had not pleased God's Son to be humiliate in fleshliness.

ONCE, a youth went to see a wise man, and said to him: “I have come seeking advice, for I am tormented by feelings of worthlessness and no longer wish to live. Everyone tells me that I am a failure and a fool. I beg you, Master, help me!” The wise man glanced at the youth, and answered hurriedly: “Forgive me, but I am very busy right now and cannot help you. There is one urgent matter in particular which I need to attend to...”—and here he stopped, for a moment, thinking, then added: “But if you agree to help me, I will happily return the favor.” “Of...of course, Master!” muttered the youth, noting bitterly that yet again his concerns had been dismissed as unimportant. “Good,” said the wise man, and took off a small ring with a beautiful gem from his finger. “Take my horse and go to the market square! I urgently need to sell this ring in order to pay off a debt. Try to get a decent price for it, and do not settle for anything less than one gold coin! Go right now, and come back as quick as you can!” The youth took the ring and galloped off. When he arrived at the market square, he showed it to the various traders, who at first examined it with close interest. But no sooner had they heard that it would sell only in exchange for gold than they completely lost interest. Some of the traders laughed openly at the boy; others simply turned away. Only one aged merchant was decent enough to explain to him that a gold coin was too high a price to pay for such a ring, and that he was more likely to be offered only copper, or at best, possibly silver. When he heard these words, the youth became very upset, for he remembered the old man’s instruction not to accept anything less than gold. Having already gone through the whole market looking for a buyer among hundreds of people, he saddled the horse and set off. Feeling thoroughly depressed by his failure, he returned to see the wise man. “Master, I was unable to carry out your request,” he said. “At best I would have been able to get a couple of silver coins, but you told me not to agree to anything less than gold! But they told me that this ring is not worth that much.” “That’s a very important point, my boy!” the wise man responded. “Before trying to sell a ring, it would not be a bad idea to establish how valuable it really is! And who can do that better than a jeweler? Ride over to him and find out what his price is. Only do not sell it to him, regardless of what he offers you! Instead, come back to me straightaway.” The young man once more leapt up on to the horse and set off to see the jeweler. The latter examined the ring through a magnifying glass for a long time, then weighed it on a set of tiny scales. Finally, he turned to the youth and said: “Tell your master that right now I cannot give him more than 58 gold coins for it. But if he gives me some time, I will buy the ring for 70.” “70 gold coins?!” exclaimed the youth. He laughed, thanked the jeweler and rushed back at full speed to the wise man. When the latter heard the story from the now animated youth, he told him: “Remember, my boy, that you are like this ring. Precious, and unique! And only a real expert can appreciate your true value. So why are you wasting your time wandering through the market and heeding the opinion of any old fool?

As we’ve seen, one of the most frequently pursued paths for achievement-minded college seniors is to spend several years advancing professionally and getting trained and paid by an investment bank, consulting firm, or law firm. Then, the thought process goes, they can set out to do something else with some exposure and experience under their belts. People are generally not making lifelong commitments to the field in their own minds. They’re “getting some skills” and making some connections before figuring out what they really want to do. I subscribed to a version of this mind-set when I graduated from Brown. In my case, I went to law school thinking I’d practice for a few years (and pay down my law school debt) before lining up another opportunity. It’s clear why this is such an attractive approach. There are some immensely constructive things about spending several years in professional services after graduating from college. Professional service firms are designed to train large groups of recruits annually, and they do so very successfully. After even just a year or two in a high-level bank or consulting firm, you emerge with a set of skills that can be applied in other contexts (financial modeling in Excel if you’re a financial analyst, PowerPoint and data organization and presentation if you’re a consultant, and editing and issue spotting if you’re a lawyer). This is very appealing to most any recent graduate who may not yet feel equipped with practical skills coming right out of college. Even more than the professional skill you gain, if you spend time at a bank, consultancy, or law firm, you will become excellent at producing world-class work. Every model, report, presentation, or contract needs to be sophisticated, well done, and error free, in large part because that’s one of the core value propositions of your organization. The people above you will push you to become more rigorous and disciplined, and your work product will improve across the board as a result. You’ll get used to dressing professionally, preparing for meetings, speaking appropriately, showing up on time, writing official correspondence, and so forth. You will be able to speak the corporate language. You’ll become accustomed to working very long hours doing detail-intensive work. These attributes are transferable to and helpful in many other contexts.

My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!

I don’t know what to do with you,” he said, his voice growing curt with anger again. “Deceitful little minx. I’m of half a mind to put you to work, milking the goats. But that’s out of the question with these hands, now isn’t it?” He curled and uncurled her fingers a few times, testing the bandage. “I’ll tell Stubb to change this twice a day. Can’t risk the wound going septic. And don’t use your hands for a few days, at least.” “Don’t use my hands? I suppose you’re going to spoon-feed me, then? Dress me? Bathe me?” He inhaled slowly and closed his eyes. “Don’t use your hands much.” His eyes snapped open. “None of that sketching, for instance.” She jerked her hands out of his grip. “You could slice off my hands and toss them to the sharks, and I wouldn’t stop sketching. I’d hold the pencil with my teeth if I had to. I’m an artist.” “Really. I thought you were a governess.” “Well, yes. I’m that, too.” He packed up the medical kit, jamming items back in the box with barely controlled fury. “Then start behaving like one. A governess knows her place. Speaks when spoken to. Stays out of the damn way.” Rising to his feet, he opened the drawer and threw the box back in. “From this point forward, you’re not to touch a sail, a pin, a rope, or so much as a damned splinter on this vessel. You’re not to speak to crewmen when they’re on watch. You’re forbidden to wander past the foremast, and you need to steer clear of the helm, as well.” “So that leaves me doing what? Circling the quarterdeck?” “Yes.” He slammed the drawer shut. “But only at designated times. Noon hour and the dogwatch. The rest of the day, you’ll remain in your cabin.” Sophia leapt to her feet, incensed. She hadn’t fled one restrictive program of behavior, just to submit to another. “Who are you to dictate where I can go, when I can go there, what I’m permitted to do? You’re not the captain of this ship.” “Who am I?” He stalked toward her, until they stood toe-to-toe. Until his radiant male heat brought her blood to a boil, and she had to grab the table edge to keep from swaying toward him. “I’ll tell you who I am,” he growled. “I’m a man who cares if you live or die, that’s who.” Her knees melted. “Truly?” “Truly. Because I may not be the captain, but I’m the investor. I’m the man you owe six pounds, eight. And now that I know you can’t pay your debts, I’m the man who knows he won’t see a bloody penny unless he delivers George Waltham a governess in one piece.” Sophia glared at him. How did he keep doing this to her? Since the moment they’d met in that Gravesend tavern, there’d been an attraction between them unlike anything she’d ever known. She knew he had to feel it, too. But one minute, he was so tender and sensual; the next, so crass and calculating. Now he would reduce her life’s value to this cold, impersonal amount? At least back home, her worth had been measured in thousands of pounds not in shillings. “I see,” she said. “This is about six pounds, eight shillings. That’s the reason you’ve been watching me-“ He made a dismissive snort. “I haven’t been watching you.” “Staring at me, every moment of the day, so intently it makes my…my skin crawl and all you’re seeing is a handful of coins. You’d wrestle a shark for a purse of six pounds, eight. It all comes down to money for you.

23 When He Carries a Heavy Burden Bear one another’s burdens, and so fulfill the law of Christ. GALATIANS 6:2 SOCIETY PUTS A LOT OF WEIGHT on a man’s shoulders. It is his burden to earn the finances to support his family. He is expected to do well at his work and on his job. There are so many expectations of him in that regard that he feels the pressure of it constantly. That’s why you read about so many men committing suicide when they are in serious financial trouble. The burden is too great. Few women commit suicide for financial failure. If you or I fell into financial ruin, we would just sell everything, pay off all the debts we could, get a job, and start over. Men can feel the burden of failure in life-threatening ways. That’s why your husband needs your prayers to keep his burdens lifted. One of the best ways to bear your husband’s burden is to pray for him about whatever heavy load he is carrying. Every time you do, pray especially for what burdens him the most. One of the most effective things you can do is let him know you are praying for him and ask him to tell you what his burdens are. He may reveal something you didn’t even know was bothering him. God’s Word says that sometimes our burden comes from the oppressor. The children of Israel had an oppressor, and they were overtaken by this oppressor because of their own disobedience. But God promised that the burden the oppressor put on them would eventually be broken by the power of His Spirit. “It shall come to pass in that day that his burden will be taken away from your shoulder, and his yoke from your neck, and the yoke will be destroyed because of the anointing oil” (Isaiah 10:27). The anointing oil refers to a work of the Holy Spirit. Your prayers can invite the Holy Spirit to break any burden of the oppressor off of your husband’s shoulders. You will be fulfilling the “law of Christ” every time you pray like that, not to mention how it will secure your husband’s devotion. My Prayer to God LORD, I pray my husband will be able to fully release his burdens to You. I know that when we cast our burdens on You, You will sustain us and not allow us to be shaken (Psalm 55:22 NASB). Help me to bear his burdens in prayer and in any other way You reveal to me. Show me what his greatest burden is and what I can do to lighten it. I ask that You would relieve him of his heavy load by Your presence in his life. Enable him to understand that when he yokes up with You, You will carry the burden for him. I pray that when he is oppressed by the enemy, whatever prayer or supplication is made by him—when he acknowledges his own burdens before You and turns to You for help—that You will hear him (2 Chronicles 6:29-30). I also pray that as You take his burden from him, he will know it’s You doing the heavy lifting. In Jesus’ name I pray.

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).