Payday Quotes

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

Can I borrow fifty bucks?” “What?” “I’m short until payday.” “You’re short every day.

Clearing her throat, Peabody turned the cube on record. "I owe Dallas, Lieutenant Meaniepants Eve, twenty dollars to be paid out of my hard-earned, under-appreciated detective's salary next payday. Peabody, Detective Churchmouse Delia.

My tongue runs like a supermarket conveyor belt on payday.

Like you? I go out of here every morning… bust my butt…putting up with them crackers everyday…cause I like you? You about the biggest fool I ever saw. It’s my JOB. It’s my RESPONSIBILITY! You understand that? A man got to take care of his family. You live in my house… sleep on my bed clothes…fill you belly up with my food… cause you my son. You my flesh and blood. Not ‘cause I like you! Cause it’s my duty to take care of you. I OWE a responsibility to you! Let’s get this straight right here… before it go along any further… I ain’t got to like you. Mr. Rand don’t five me money come payday cause he likes me. He gives me cause he OWE me. I done give you everything I had to give you. I gave you your life! Me and your mama worked that out between us. And liking your black ass wasn’t part of the bargain. Don’t try and go through life worrying about if somebody like you or not. You best be making sure they doing right by you. You understand what I’m saying, boy?” - August Wilson, Fences, 1986.

When some people talk about money They speak as if it were a mysterious lover Who went out to buy milk and never Came back, and it makes me nostalgic For the years I lived on coffee and bread, Hungry all the time, walking to work on payday Like a woman journeying for water From a village without a well, then living One or two nights like everyone else On roast chicken and red wine.

With homework, school prepares students for overtime. With reports, it prepares them for payday.

He can’t change his past but he means to change his future. He also intends to have his payday. He earned it.

. . . Do you want to share a black cab?’ Black cabs were an extravagance that Neve couldn’t afford, not this far away from payday, but that wasn’t the reason why she declined. ‘No, thank you. I’m perfectly all right with catching the tube.’ ‘OK, tube it is,’ Max agreed, because he was quite obviously emotionally tone deaf and couldn’t sense the huge ‘kindly bugger off’ vibes that Neve was sure she was emitting.

He who makes $25,000 annually through passive income is more enviable than he who earns $100,000 annually through a salary.

I’m going that way too. I live in Crouch End. Do you want to share a black cab?’ Black cabs were an extravagance that Neve couldn’t afford, not this far away from payday, but that wasn’t the reason why she declined. ‘No, thank you. I’m perfectly all right with catching the tube.’ ‘OK, tube it is,’ Max agreed, because he was quite obviously emotionally tone deaf and couldn’t sense the huge ‘kindly bugger off’ vibes that Neve was sure she was emitting. ‘You’re still mad at me, aren’t you?’ ‘You apologised, why would I still be mad at you?’ ‘One day we’ll laugh about this. When little Tommy asks how we met, I’ll say, “Well, son, I threw an ice cube at your mother, then slapped her arse, and we’ve been inseparable ever since.

The sign painter had guts, maybe. Good taste, no. Anyone with a taste for chocolate Paydays had been spending too much time in the sun. We've stumbled on another find, I believe, Sergeant. Inspector, I stand amazed- your deductive acumen is exceeded only by your good looks and the extraordinary length of your reproductive organ.

Mother, who had never missed a chance to fulminate against the evils of our time including privatisation, Jeremy Clarkson, and pay-day loans.

On payday near the entrances to the mines, lines of maimed and debilitated workers begged for handouts. Pennsylvania

No more sending your clothes over to forensics to be dry-cleaned, no more running up kebab tabs on stakeouts and no more pawning items from the Evidence Room until payday.

There is something exhilarating about pay-day, even when the pay is poor and already mortgaged for necessities. With

It’s payday every day of the week with Cosmic Ordering.

I always enjoyed the meticulous planning of every kill and of course the large payday that follow. It all became an exuberant game, and I couldn't stop...

Because, no matter how bad her situation, she didn't want to be deprived of herself, she wanted to be herself. She thought she'd incur serious punishment and even risk dying if she took too much pleasure in life. So she protected herself from death by living less, consuming so little of her life that she'd never run out. This savings have her a little security since you can't fall farther than the ground. Did she feel she was living for nothing? I'm not sure, but I don't think so. Only once did she ask a tragic question: who am I? It frightened her so much that she completely stopped thinking. She sometimes on payday bought herself a rose.

A lot of us are living like this, right? Taking cabs and ordering takeout Thai on payday, then walking the three blocks to work from the train with a bologna sandwich in our bags a week or so later? How does anyone do anything? Or, better than that, how does anyone do both the shit

The colored folks ain’t all that different from the white working-class folks, since Tuesday is payday for the cowpokes as well and they’re all up in the saloon spending what little they got.

If the food that one ate the night before were somehow able to be seen and identified through one’s clothes throughout the day, millions of employees would each fast ten or so days before their payday.

Exploitation thrives when it comes to the essentials, like housing and food. Most of the 12 million Americans who take out high-interest payday loans do so not to buy luxury items or cover unexpected expenses but to pay the rent or gas bill, buy food, or meet other regular expenses. Payday loans are but one of many financial techniques—from overdraft fees to student loans for for-profit colleges—specifically designed to pull money from the pockets of the poor.46 If the poor pay more for their housing, food, durable goods, and credit, and if they get smaller returns on their educations and mortgages (if they get returns at all), then their incomes are even smaller than they appear. This is fundamentally unfair.

Words are plastic these days. Small loans made to desperate people at exorbitant interest rates are called payday advances. A cheesy hotel paired with a seedy casino is called a resort. Any assemblage of frenetic images, bad music, and incoherent plot is called a major motion picture.

I had agreed with her that I should start collecting the Dial records featuring Bird, Max Roach, Al Haig, Bud Powell, Dizzy Gillespie and others who she said were going to be the ‘masters.’ Each payday I kept out enough money to pay my own way at Mother’s, and spent the rest on records and books.

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

He knew when people were making small of him, and if he could make such a person pay, he did so. For Kimba Rimer, payday had come.

Trump’s candidacy was the media gift that kept giving, and the more outrageous he became the better the payday for networks.

There is absolutely no reward on earth for being a Christian. You get it only on payday in Heaven, not while you are still working for Jesus on earth.

in. Her body flashed into full-blown panic, no passing Go, no two-hundred-dollar payday. She was in deep shit. And it was her own stupid fault for trusting John Baker.

There was no wealth in our family, you told me more than once. There were only paydays.

Country jakes are always whining about the sanctity of states' rights and individual freedoms. Yet when a couple of queers want to get married in Massachusetts, half the South goes apeshit with homemade posters and fire-breathing sermons. And when a few million concerned residents of states thousands of miles away decide they want to stop destroying their landscape in the name of corporate mammon and consumer stupidity, the South sends out its greasy merchants of avarice to cajole, bribe, hector, lie, intimidate, and "lobby" until the seed of their plantation mentality is protected and their gluttonous mouths are once again filled with the jizz of the master caste before whom they kneel like Bourbon Street whores on Navy payday.

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

Our work and educational institutions reinforce this preference for later over now throughout our lives. In school we focus on the ends — passing the semester, making the grade, or otherwise getting it all behind us — rather than the present-moment experience of actually learning. As employees, we want the work to be over as soon as it begins. Work culture is driven by quotas, billable hours, budgets, and Gantt charts — bottom lines of any sort. The value is always somewhere ahead of you, rather than here right now, in the room with you. We’re perpetually looking ahead to a payday or a weekend or some other kind of finish line. Virtually every day of our lives, we’re trained to lean towards something we don’t have, which essentially trains us to be dissatisfied with where we already are.

I first met Serch at Payday, a really good once-a-week night club started by these guys Patrick Moxey and Beaver, the latter of whom I know now from the rare-wine world. (Did I just write that sentence? You're goddamn right I did.)

Or you can fake your own death," Bill suggested. "Because really, that's the most cathartic resolution—if all your friends and family think you're dead. Everyone cries, they have a little rant about all your potential going to waste, they put on a memorial service and you can hide and see who bothers to come—and if you're really lucky, they bury an empty coffin. When they couldn't even be bothered to spot you a twenty 'til payday. You know how much booze you could buy for the cost of a single coffin?

Debt has become the means of subjecting everyone – from sovereign nations to homeowners and victims of payday loan sharks – to a mixture of ersatz morality and threats. Pay your debts or else you’re a bad person or bad country, and so bad things will happen to you.35

My recommendation is to keep up the good work. I’m changing your title to senior executive assistant, and giving you a three percent raise effective next payday. Congratulations.” Wow, three percent. I could move up that early retirement plan to age seventy-five now, instead of eighty. Lucky me. Thank you,” I said. “That’s very generous.” You’re quite welcome.” Ms. Saunders nodded and grabbed a gold-plated letter opener to begin attacking her stack of mail. I turned to leave. Didn’t want to outstay my welcome. Damn it!” she exclaimed, and I turned back around. She winced and nodded at the letter opener that she’d dropped to her desktop. “Damn thing slipped. I’m probably going to need stitches now. Can you be a dear and fetch the first-aid kit for me?” She held her left index finger and frowned at the steady flow of blood oozing out. A few small drops of red splashed onto the other letters spread out on the desk. I felt woozy. And suddenly dizzy. I blinked. When I opened my eyes, I was no longer standing by the door about to leave. I was crouched down next to Ms. Saunders’s imported black leather chair, grasping her wrist tightly…… and sucking noisily on her fingertip. I shrieked and let go of her, staggering backward. I grabbed at her desk to keep from falling, but I dropped on my butt, anyhow, taking most of the contents of the top of her desk with me. She held her injured finger far away from her and stared at me, wide-eyed, with a mixture of shock and disgust. I scrambled to my feet and wiped my mouth with the back of my hand. What in the holy hell just happened? I… I… uh… I’m so sorry,” I managed. “I don’t know what… I wouldn’t normally do something… I just…” Ms. Saunders pulled her hand close to her chest, perhaps to protect it from further abuse. Get out,” she said quietly. Yeah, I’ll get back to work. Again, I’m so, so sorry. Would you like me to bring you a cup of coffee?” No, not to your desk,” she said evenly, but her volume increased with every word. “Get out of here, you freak. I don’t care what you’ve heard, I’m not into women. You’re fired. Now get out of here before I call security.” But… my job review—” Get out!” she yelled.

When faced with your imminent death, the wise man reaches into the depths of his soul, grabs his sword, and does what is proper.  The gods have a way of treating you like a two-penny whore on payday, but at least you might face the experience with the faintest bit of dignity.

The bartender is Irish. Jumped a student visa about ten years ago but nothing for him to worry about. The cook, though, is Mexican. Some poor bastard at ten dollars an hour—and probably has to wash the dishes, too. La Migra take notice of his immigration status—they catch sight of his bowl cut on the way home to Queens and he’ll have a problem. He looks different than the Irish and the Canadians—and he’s got Lou Dobbs calling specifically for his head every night on the radio. (You notice, by the way, that you never hear Dobbs wringing his hands over our border to the North. Maybe the “white” in Great White North makes that particular “alien superhighway” more palatable.) The cook at the Irish bar, meanwhile, has the added difficulty of predators waiting by the subway exit for him (and any other Mexican cooks or dishwashers) when he comes home on Friday payday. He’s invariably cashed his check at a check-cashing store; he’s relatively small—and is unlikely to call the cops. The perfect victim. The guy serving my drinks, on the other hand, as most English-speaking illegal aliens, has been smartly gaming the system for years, a time-honored process everybody at the INS is fully familiar with: a couple of continuing education classes now and again (while working off the books) to get those student visas. Extensions. A work visa. A “farm” visa. Weekend across the border and repeat. Articulate, well-connected friends—the type of guys who own, for instance, lots of Irish bars—who can write letters of support lauding your invaluable and “specialized” skills, unavailable from homegrown bartenders. And nobody’s looking anyway. But I digress…

Some thoughts on heaven? I have this theory that heaven is different for everyone. It has to be, or it wouldn’t be heaven. My grandmother’s heaven? In her heaven she doesn’t have to share the remote with anyone, and it is Jeopardy! and Wheel of Fortune on all the time, with nary a rerun ever, and the old lady always wins the big money and a trip to Europe to tour a castle or somewhere warm but not too hot with nice churches. In her heaven your knees don’t hurt and your back doesn’t hurt and you get to be whatever age was your favourite age to be and you still have all your teeth and there are bingo games right after dinner and raspberry hard candies and no one ever has to do the dishes. In my gran’s heaven, you can still have yourself a proper smoke in the living room and it doesn’t ruin the new paint job and the lawn never gets too long and the foxes don’t chase the birds off the birdfeeder. In her heaven, a nice bit of cheese won’t give you the bad stomach and real men don’t beat their wives or fuck their children, and every day is payday, and the Friday of a long weekend. Floors wax themselves, but you still get to hang the laundry, but only if you feel like it.

Because, no matter how bad her situation, she didn't want to be deprived of herself, she wanted to be herself. She thought she'd incur serious punishment and even risk dying if she took too much pleasure in life. So she protected herself from death by living less, consuming so little of her life that she'd never run out. This savings gave her a little security since you can't fall farther than the ground. Did she feel she was living for nothing? I'm not sure, but I don't think so. Only once did she ask a tragic question: who am I? It frightened her so much that she completely stopped thinking. She sometimes on payday bought herself a rose.

We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper-class.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake.

What of the part where memory and loss and yearning are stored? Surely, they were still out there somewhere - gone to wherever the forsaken are banished. Wandering the burnt-out Alabama plantations, the fields rancid with enslaved sorrow. Across tracks built by Chinese rail workers, shot en masse come payday to save a dime. Into full-plotted cemeteries behind Indian boarding schools and beneath the shadows of burning crosses, white hoods peaked like snowcapped mountains. Over the grounds of Manzanar and potter's fields glutted with migrant peach pickers. Who gets remembered in the great American experiment? Who is forgotten? What becomes of those whose names are dust? Tell me this country ain't haunted.

Tersenyumlah seperti saat baru gajian.

There are myriad ways to make money, yet regardless of how much you’re paid, how and why you get paid dictates your lifestyle.

The only criterion I have is that the books must look clean, which means that I have to disregard a lot of potential reading material in the charity shop. I don't use the library for the same reason, although obviously, in principle and reality, libraries are life-enhancing palaces of wonder. It's not you, libraries, it's me, as the popular saying goes. The thought of books passing through so many unwashed hands - people reading them in the bath, letting their dogs sit on them, picking their nose and wiping it on the pages. People eating cheesy crisps and then reading a few chapters without washing their hands first. I just can't. No, I look for books with one careful owner. The books in Tesco are nice and clean. I sometimes treat myself to a few tomes from there on payday.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper-class.

By the fall of 1929, Livermore built up his biggest short position ever, $450 million spread across 100 stocks. And he was about to receive the biggest payday of his entire life. From October 25 through November 13, the Dow crashed 32%. In those 11 days, the Dow fell 5% seven times. Livermore covered all of his shorts and was worth $100 million, equivalent to $1.4 billion in today's dollars. He was one of the richest people in the world. This would be the height of his powers.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper-class. And when the dust clears—when bankruptcy hits or a family

Anywhere you find the combination of great need and ignorance, you’ll likely see predatory ads. If people are anxious about their sex lives, predatory advertisers will promise them Viagra or Cialis, or even penis extensions. If they are short of money, offers will pour in for high-interest payday loans. If their computer is acting sludgy, it might be a virus inserted by a predatory advertiser, who will then offer to fix it. And as we’ll see, the boom in for-profit colleges is fueled by predatory ads.

This was my world: a world of truly irrational behavior. we spend our way into the poorhouse. We buy big TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans.... We spend to pretend that we're upper-class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.

This was my world: a world of truly irrational behavior. we spend our way into the poorhouse. We buy gain TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans.... We spend to pretend that we're upper-class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition , no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.

Perhaps if this drunk planet was more of an honest place, it would all be framed rather differently. How about: “I’m giving up being overweight”. “I’m giving up being anxious and depressed”. “I’m giving up making stupid decisions”. “I’m giving up my soulless career”. “I’m giving up headaches and nausea”. “I’m giving up my toxic relationships”. “I’m giving up being broke a week after every payday”. “I’m giving up following what society says is ‘fun’ and taking ownership of my own happiness”. They’re all far more attractive propositions, and far more reflective of what being sober on a drunk planet really involves.

Because, no matter how bad her situation, she didn't want to be deprived of herself, she wanted to be herself. She thought she'd incur serious punishiment and even risk dying if she took too much pleasure in life. So she protected herself from death by living less, consuming so little of her life that she'd never run out. This savings have her a little security since you can't fall father than the ground. Did she feel she was living for nothing? I'm not sure, but I don't think so. Only once did she ask a tragic question: who am I? It frightened her so much that she completely stopped thinking. She sometimes occasionally on payday bought herself a rose.

Many professional athletes make a lot of money quickly. They also spend a lot of money in a short time and very often declare bankruptcy quickly. About 16 percent of NFL players file for bankruptcy within twelve years of retirement, despite average career earnings of about $3.2 million.9 Some studies say the number of NFL players “under financial stress” is much higher—as high as 78 percent—within a few years of retirement. Similarly, about 60 percent of NBA basketball players are in financial trouble within five years of leaving the game.10 There are similar stories about lottery winners losing it all. Despite their big paydays, about 70 percent of lottery winners go broke within three years.11

Exploitation thrives when it comes to the essentials, like housing and food. Most of the 12 million Americans who take out high-interest payday loans do so not to buy luxury items or cover unexpected expenses but to pay the rent or gas bill, buy food, or meet other regular expenses. Payday loans are but one of many financial techniques—from overdraft fees to student loans for for-profit colleges—specifically designed to pull money from the pockets of the poor.46 If the poor pay more for their housing, food, durable goods, and credit, and if they get smaller returns on their educations and mortgages (if they get returns at all), then their incomes are even smaller than they appear. This is fundamentally unfair. Those

YOU’RE NO ANGEL, you know how this stuff comes to happen: Friday is payday and it’s been a gray day sogged by a slow ugly rain and you seek company in your gloom, and since you’re fresh to West Table, Mo., and a new hand at the dog-food factory, your choices for company are narrow but you find some finally in a trailer court on East Main, and the coed circle of bums gathered there spot you a beer, then a jug of tequila starts to rotate and the rain keeps comin’ down with a miserable bluesy beat and there’s two girls millin’ about that probably can be had but they seem to like certain things and crank is one of those certain things, and a fistful of party straws tumble from a woven handbag somebody brung, the crank gets cut into lines, and the next time you notice the time it’s three or four Sunday mornin’ and you ain’t slept since Thursday night and one of the girl voices, the one you want most and ain’t had yet though her teeth are the size of shoe-peg corn and look like maybe they’d taste sort of sour, suggests something to do, ’cause with crank you want something, anything, to do, and this cajoling voice suggests we all rob this certain house on this certain street in that rich area where folks can afford to wallow in their vices and likely have a bunch of recreational dope stashed around the mansion and goin’ to waste since an article in The Scroll said the rich people whisked off to France or some such on a noteworthy vacation. That’s how it happens. Can’t none of this be new to you.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper-class. And when the dust clears—when bankruptcy hits or a family member bails us out of our stupidity—there’s nothing left over. Nothing for the kids’ college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn’t spend like this. Sometimes we beat ourselves up over it, but we do it anyway.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for mare spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we're upper-class. And when the dust clears--when bankruptcy hits or a family member bails us out of our stupidity--there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway.

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don’t need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we’re upper class. And when the dust clears — when bankruptcy hits or a family member bails us out of our stupidity — there’s nothing left over. Nothing for the kids’ college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn’t spend like this. Sometimes we beat ourselves up over it, but we do it anyway.

his unhappiness was our fault. My mother and I got on his nerves. It was because of us he had a job he couldn’t stand. Everything we did was irritating. He particularly didn’t enjoy being around me, not that he often was: in the mornings, as I got ready for school, he sat puffy-eyed and silent over his coffee with the Wall Street Journal in front of him, his bathrobe open and his hair standing up in cowlicks, and sometimes he was so shaky that the cup sloshed as he brought it to his mouth. Warily he eyed me when I came in, nostrils flaring if I made too much noise with the silverware or the cereal bowl. Apart from this daily awkwardness, I didn’t see him much. He didn’t eat dinner with us or attend school functions; he didn’t play with me or talk to me a lot when he was at home; in fact, he was seldom home at all until after my bedtime, and some days—paydays, especially, every other Friday—he didn’t come clattering in until three or four in the morning: banging the door, dropping his briefcase, crashing and bumping around so erratically that

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Some landlords neglected to screen tenants for the same reason payday lenders offered unsecured, high-interest loans to families with unpaid debt or lousy credit; for the same reason that the subprime industry gave mortgages to people who could not afford them; for the same reason Rent-A-Center allowed you to take home a new Hisense air conditioner or Klaussner “Lazarus” reclining sofa without running a credit check. There was a business model at the bottom of every market.

The money truck caught on fire and some of the money was burned, but we took what we could and later I made it a payday for everyone. I still have some of those burnt notes and someday I will cash them in for some good ones. The

Some landlords neglected to screen tenants for the same reason payday lenders offered unsecured, high-interest loans to families with unpaid debt or lousy credit; for the same reason that the subprime industry gave mortgages to people who could not afford them; for the same reason Rent-A-Center allowed you to take home a new Hisense air conditioner or Klaussner “Lazarus” reclining sofa without running a credit check. There was a business model at the bottom of every market.11

The first rule of business is fun. Why fun? Without fun, there is no commitment, no enthusiasm or energy for the hard work ahead. Long hours are a drudgery and perseverance in the long term is shaky. Fun is knowing how to play and incorporating joy and wonder into your work. It means being open to mistakes as innovation and reminds us that we don’t have to work, we love to work. Without fun, you are merely one of the Working Dead, going through the motions, loitering for a payday.

sit on a man’s back, choking him and making him carry me, and yet assure myself and others that I am very sorry for him and wish to ease his lot by all possible means—except by getting off his back.”[1] True then and there, and true now and here. There is so much poverty in this land not in spite of our wealth but because of it. Which is to say, it’s not about them. It’s about us. “It is really so simple,” Tolstoy wrote. “If I want to aid the poor, that is, to help the poor not to be poor, I ought not to make them poor.”[2] How do we, today, make the poor in America poor? In at least three ways. First, we exploit them. We constrain their choice and power in the labor market, the housing market, and the financial market, driving down wages while forcing the poor to overpay for housing and access to cash and credit. Those of us who are not poor benefit from these arrangements. Corporations benefit from worker exploitation, sure, but so do consumers who buy the cheap goods and services the working poor produce, and so do those of us directly or indirectly invested in the stock market. Landlords are not the only ones who benefit from housing exploitation; many homeowners do, too, their property values propped up by the collective effort to make housing scarce and expensive. The banking and payday lending industries profit from the financial exploitation of the poor, but so do those of us with free checking accounts at Bank of America or Wells Fargo, as those accounts are subsidized by billions of dollars in overdraft fees.[3] If we burn coal, we get electricity, but we get sulfur dioxide and nitrogen oxide and other airborne toxins, too. We can’t have the electricity without producing the pollution. Opulence in America works the same way. Someone bears the cost.

It’s like a person who on Monday works all day but gets no money at the end of the day.“What am I doing this for?” he thinks. He works all day Tuesday and still gets nothing. Another bad day. All day Wednesday and Thursday he works, and still nothing to show for it. Four bad days in a row. Then along comes Friday. He does exactly the same work as before, and at the end of the day the boss gives him his wages. Wow! Why can’t every day be a payday?

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While traders might have seen what was coming, it appeared that the general public did not. O’Neill saw a gap in the market in early 2000. A giant gap. The price of gas options was cheap—too cheap to account for what was apparently coming down the road. In other words, the insurance policies against a sudden price spike were not as expensive as they ought to have been. So O’Neill started snapping up the options and holding on to them, knowing that they would become more valuable. As usual, he wasn’t just making a bet that prices were going to go up. He was primarily betting that markets were about to become more volatile. He built up a large position with his natural gas options and underliers that was “long volatility,” meaning that he bet volatility would increase. He assumed that the positions would provide a good return for Koch Industries. He was wrong. He grossly underestimated the riches that the coming volatility was about to deliver. Senior executives in Koch Supply & Trading realized that they could no longer pay their traders like engineers. There was a competition for talent, and too many well-trained people were bleeding off the Koch trading floor. There was one person who seemed to resist big paydays for the traders: Charles Koch. The business failures of the 1990s impressed on Charles Koch the need for humility among his workforce. The thinking went that it was the high-flying ambition and loose planning that led to many of the business losses at Purina Mills.

I loved what I did, and I was good at it. I liked to think I helped balance the scales of good and evil, one payday at a time. No messy red tape. No long, drawn-out legal proceedings. Just me, my mark, and a mountain of sins.

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Soul competency is not the voice of a dean celebrating the latest lesbian at his divinity school; it is the voice of R. G. Lee thundering 'Payday Someday!

No, I mean it. A lot of people claim to believe in things. ‘Family is most important,’ but they’ll screw a fifty-dollar hooker on payday. ‘Country first,’ but they cheat on their taxes. Not

Backtesting against historical data, all indications whispered confident promises for what this thing could do once set in motion. As John puts it, “A slight pattern emerged from the overwhelming noise; we had stumbled across a persistent pricing inefficiency in a corner of the market, a small edge over the average investor, which appeared repeatable.” Inefficiencies are what traders live for. A perfectly efficient market can’t be played, but if you can identify the right imperfection, it’s payday.

By the 1820s American drinking was out of control. Children drank before school, during school at recess, and after school. Farmers had jugs stashed at the end of every row in their fields. Factories featured frequent drinking breaks. Meals were washed down with applejack. Workers invariably headed for the bar on payday long before they thought of going home to spend the money on their families’ needs. The whole country was more or less living under the influence, farming under the influence, and even studying under the influence. In 1820, the average amount an individual drank in one day was more than three times the average today.119

The tobacco settlement money went to lawyers and to governments, which effectively turned the money into a tax and then spent it on state bureaucracy. Regular folk did not receive any tax refund checks, nor did we see lower health insurance premiums, but we did pay more for everyday products not related to smoking. This means we are, in effect, paying billions of dollars in additional tax besides the billions in legal fees because of the tobacco settlement, as well as funding the next legal campaign to collect another large pay-day in contingency fees. It is very interesting to note during the tobacco suit that, while claiming various individuals were being victimized, or medical costs were mounting from misleading advertising or dishonest business practices, it was lawyers and governments, not the people nor their insurance companies, that collected all the loot. This the type of litigation did nothing to improve your life and it raised your cost of living.

The upside potential was so high—you could get a good payday with just one thirty-two-bar hit song—and the barrier to entry so low. Anyone could offer his wares—that is, anyone who could handle the indignity of knocking on door after door and being summarily rejected time and again.

Shop on the days that are not peak—take the time to figure out which days during the month are going to be the busiest for the stores in your area. These are the days that the prices on your favorite things are going to be the highest. Some of the days to watch out for include holiday long weekends, paydays, the 1st, 15th, and 31st of the month, and even the weekends are usually not the best days to shop in order to save money. This is because everyone is going to be out shopping and so the stores will raise prices due to supply and demand.

D: To reach the big pay-off, whether IPO, acquisition, retirement, or other pot of gold. NR: To think big but ensure payday comes every day: cash flow first, big payday second.

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Republicans don’t stand for the beliefs of the right, and Democrats don’t stand for the principles of the left. They each stand for one thing—a public willing to remain seated like obedient children, while they wield authoritative control like teachers and dole out favors for brown-nosers, and take candy at will. Of course, the only candy they take is called PayDay.

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nepotism, patronage, political corruption, and ethnic divisions.