Person Not Giving Money Back Quotes

We've got a sort of brainwashing going on in our country, Morrie sighed. Do you know how they brainwash people? They repeat something over and over. And that's what we do in this country. Owning things is good. More money is good. More property is good. More commercialism is good. More is good. More is good. We repeat it--and have it repeated to us--over and over until nobody bothers to even think otherwise. The average person is so fogged up by all of this, he has no perspective on what's really important anymore. Wherever I went in my life, I met people wanting to gobble up something new. Gobble up a new car. Gobble up a new piece of property. Gobble up the latest toy. And then they wanted to tell you about it. 'Guess what I got? Guess what I got?' You know how I interpreted that? These were people so hungry for love that they were accepting substitutes. They were embracing material things and expecting a sort of hug back. But it never works. You can't substitute material things for love or for gentleness or for tenderness or for a sense of comradeship. Money is not a substitute for tenderness, and power is not a substitute for tenderness. I can tell you, as I'm sitting here dying, when you most need it, neither money nor power will give you the feeling you're looking for, no matter how much of them you have.

Whenever you feel ‘short’ or in ‘need’ of something, give what you want first and it will come back in buckets. That is true for money, a smile, love, friendship. I know it is often the last thing a person may want to do, but it has always worked for me. I just trust that the principle of reciprocity is true, and I give what I want.

Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.

How To Tell If Somebody Loves You: Somebody loves you if they pick an eyelash off of your face or wet a napkin and apply it to your dirty skin. You didn’t ask for these things, but this person went ahead and did it anyway. They don’t want to see you looking like a fool with eyelashes and crumbs on your face. They notice these things. They really look at you and are the first to notice if something is amiss with your beautiful visage! Somebody loves you if they assume the role of caretaker when you’re sick. Unsure if someone really gives a shit about you? Fake a case of food poisoning and text them being like, “Oh, my God, so sick. Need water.” Depending on their response, you’ll know whether or not they REALLY love you. “That’s terrible. Feel better!” earns you a stay in friendship jail; “Do you need anything? I can come over and bring you get well remedies!” gets you a cozy friendship suite. It’s easy to care about someone when they don’t need you. It’s easy to love them when they’re healthy and don’t ask you for anything beyond change for the parking meter. Being sick is different. Being sick means asking someone to hold your hair back when you vomit. Either love me with vomit in my hair or don’t love me at all. Somebody loves you if they call you out on your bullshit. They’re not passive, they don’t just let you get away with murder. They know you well enough and care about you enough to ask you to chill out, to bust your balls, to tell you to stop. They aren’t passive observers in your life, they are in the trenches. They have an opinion about your decisions and the things you say and do. They want to be a part of it; they want to be a part of you. Somebody loves you if they don’t mind the quiet. They don’t mind running errands with you or cleaning your apartment while blasting some annoying music. There’s no pressure, no need to fill the silences. You know how with some of your friends there needs to be some sort of activity for you to hang out? You don’t feel comfortable just shooting the shit and watching bad reality TV with them. You need something that will keep the both of you busy to ensure there won’t be a void. That’s not love. That’s “Hey, babe! I like you okay. Do you wanna grab lunch? I think we have enough to talk about to fill two hours!" It’s a damn dream when you find someone you can do nothing with. Whether you’re skydiving together or sitting at home and doing different things, it’s always comfortable. That is fucking love. Somebody loves you if they want you to be happy, even if that involves something that doesn’t benefit them. They realize the things you need to do in order to be content and come to terms with the fact that it might not include them. Never underestimate the gift of understanding. When there are so many people who are selfish and equate relationships as something that only must make them happy, having someone around who can take their needs out of any given situation if they need to. Somebody loves you if they can order you food without having to be told what you want. Somebody loves you if they rub your back at any given moment. Somebody loves you if they give you oral sex without expecting anything back. Somebody loves you if they don’t care about your job or how much money you make. It’s a relationship where no one is selling something to the other. No one is the prostitute. Somebody loves you if they’ll watch a movie starring Kate Hudson because you really really want to see it. Somebody loves you if they’re able to create their own separate world with you, away from the internet and your job and family and friends. Just you and them. Somebody will always love you. If you don’t think this is true, then you’re not paying close enough attention.

Even the richest person, provided the riches comes from mutually beneficial exchange, does not need to give anything "back" to the community, because this person took nothing out of the community. Indeed, the reverse is true: Enterprises give to the community. Their owners take huge risks, and front the money for investment, precisely with the goal of serving others. Their riches are signs that they have achieved their aims.

Whenever you feel short or need of something, give what you want first, and it will come back in buckets. That is true for money, a smile, love or friendship. I know it is often the last thing a person may do, but it has always worked for me. I trust that the principle of prosperity is true, and I give what I want. I want money, so I give money, and it comes back in multiples. I want sales, so I help someone else sell something, so sales come to me. I want contacts, and I help someone else get contacts. Like magic, contacts come to me. I heard a saying years ago that went: god does not need to receive, but humans need to give. My rich dad would often say: poor people are more greedy than rich people. He would explain that if a person is rich, that person is providing something that other people wanted...whenever I think people aren't smiling at me, I simply began smiling and saying hello. Like magic, the next thing I know: I'm surrounded by smiling people. It is true that you world is only a mirror of you. So that's why I say, teach and you shall receive.

It is lonely behind these boundaries. Some people-particularly those whom psychiatrists call schizoid-because of unpleasant, traumatizing experiences in childhood, perceive the world outside of themselves as unredeemably dangerous, hostile, confusing and unnurturing. Such people feel their boundaries to be protecting and comforting and find a sense of safety in their loneliness. But most of us feel our loneliness to be painful and yearn to escape from behind the walls of our individual identities to a condition in which we can be more unified with the world outside of ourselves. The experience of falling in love allows us this escapetemporarily. The essence of the phenomenon of falling in love is a sudden collapse of a section of an individual's ego boundaries, permitting one to merge his or her identity with that of another person. The sudden release of oneself from oneself, the explosive pouring out of oneself into the beloved, and the dramatic surcease of loneliness accompanying this collapse of ego boundaries is experienced by most of us as ecstatic. We and our beloved are one! Loneliness is no more! In some respects (but certainly not in all) the act of falling in love is an act of regression. The experience of merging with the loved one has in it echoes from the time when we were merged with our mothers in infancy. Along with the merging we also reexperience the sense of omnipotence which we had to give up in our journey out of childhood. All things seem possible! United with our beloved we feel we can conquer all obstacles. We believe that the strength of our love will cause the forces of opposition to bow down in submission and melt away into the darkness. All problems will be overcome. The future will be all light. The unreality of these feelings when we have fallen in love is essentially the same as the unreality of the two-year-old who feels itself to be king of the family and the world with power unlimited. Just as reality intrudes upon the two-year-old's fantasy of omnipotence so does reality intrude upon the fantastic unity of the couple who have fallen in love. Sooner or later, in response to the problems of daily living, individual will reasserts itself. He wants to have sex; she doesn't. She wants to go to the movies; he doesn't. He wants to put money in the bank; she wants a dishwasher. She wants to talk about her job; he wants to talk about his. She doesn't like his friends; he doesn't like hers. So both of them, in the privacy of their hearts, begin to come to the sickening realization that they are not one with the beloved, that the beloved has and will continue to have his or her own desires, tastes, prejudices and timing different from the other's. One by one, gradually or suddenly, the ego boundaries snap back into place; gradually or suddenly, they fall out of love. Once again they are two separate individuals. At this point they begin either to dissolve the ties of their relationship or to initiate the work of real loving.

Friendship is a difficult thing to define. Oscar here is my oldest friend. How would you define friendship, Oscar?" Oscar grunts slightly, as though the answer is obvious. "Friendship is about choice and chemistry. It cannot be defined." "But surely there's something more to it than that." "It is a willingness to overlook faults and to accept them. I would let a friend hurt me without striking back," he says, smiling. "But only once." De Souza laughs. "Bravo, Oscar, I can always rely on you to distill an argument down to its purest form. What do you think, Dayel?" The Indian rocks his head from side to side, proud that he has been asked to speak next. "Friendship is different for each person and it changes throughout our lives. At age six it is about holding hands with your best friend. At sixteen it is about the adventure ahead. At sixty it is about reminiscing." He holds up a finger. "You cannot define it with any one word, although honesty is perhaps the closest word-" "No, not honesty," Farhad interrupts. "On the contrary, we often have to protect our friends from what we truly think. It is like an unspoken agreement. We ignore each other's faults and keep our confidences. Friendship isn't about being honest. The truth is too sharp a weapon to wield around someone we trust and respect. Friendship is about self-awareness. We see ourselves through the eyes of our friends. They are like a mirror that allows us to judge how we are traveling." De Souza clears his throat now. I wonder if he is aware of the awe that he inspires in others. I suspect he is too intelligent and too human to do otherwise. "Friendship cannot be defined," he says sternly. "The moment we begin to give reasons for being friends with someone we begin to undermine the magic of the relationship. Nobody wants to know that they are loved for their money or their generosity or their beauty or their wit. Choose one motive and it allows a person to say, 'is that the only reason?'" The others laugh. De Souza joins in with them. This is a performance. He continues: "Trying to explain why we form particular friendships is like trying to tell someone why we like a certain kind of music or a particular food. We just do.

Wisdom is really the key to wealth. With great wisdom, comes great wealth and success. Rather than pursuing wealth, pursue wisdom. The aggressive pursuit of wealth can lead to disappointment. Wisdom is defined as the quality of having experience, and being able to discern or judge what is true, right, or lasting. Wisdom is basically the practical application of knowledge. Rich people have small TVs and big libraries, and poor people have small libraries and big TVs. Become completely focused on one subject and study the subject for a long period of time. Don't skip around from one subject to the next. The problem is generally not money. Jesus taught that the problem was attachment to possessions and dependence on money rather than dependence on God. Those who love people, acquire wealth so they can give generously. After all, money feeds, shelters, and clothes people. They key is to work extremely hard for a short period of time (1-5 years), create abundant wealth, and then make money work hard for you through wise investments that yield a passive income for life. Don't let the opinions of the average man sway you. Dream, and he thinks you're crazy. Succeed, and he thinks you're lucky. Acquire wealth, and he thinks you're greedy. Pay no attention. He simply doesn't understand. Failure is success if we learn from it. Continuing failure eventually leads to success. Those who dare to fail miserably can achieve greatly. Whenever you pursue a goal, it should be with complete focus. This means no interruptions. Only when one loves his career and is skilled at it can he truly succeed. Never rush into an investment without prior research and deliberation. With preferred shares, investors are guaranteed a dividend forever, while common stocks have variable dividends. Some regions with very low or no income taxes include the following: Nevada, Texas, Wyoming, Delaware, South Dakota, Cyprus, Liechtenstein, Luxembourg, Panama, San Marino, Seychelles, Isle of Man, Channel Islands, Curaçao, Bahamas, British Virgin Islands, Brunei, Monaco, Qatar, United Arab Emirates, Saudi Arabia, Bahrain, Bermuda, Kuwait, Oman, Andorra, Cayman Islands, Belize, Vanuatu, and Campione d'Italia. There is only one God who is infinite and supreme above all things. Do not replace that infinite one with finite idols. As frustrated as you may feel due to your life circumstances, do not vent it by cursing God or unnecessarily uttering his name. Greed leads to poverty. Greed inclines people to act impulsively in hopes of gaining more. The benefit of giving to the poor is so great that a beggar is actually doing the giver a favor by allowing the person to give. The more I give away, the more that comes back. Earn as much as you can. Save as much as you can. Invest as much as you can. Give as much as you can.

Maskini mwenye pesa nyingi ni tajiri bahili. Tajiri mwenye mifuko iliyotoboka ni tajiri badhiri.

God will not be tolerated. He instructs us to worship and fear Him. In our world, where hundreds of things distract us from God, we have to intentionally and consistently remind ourselves of Him. Because we don’t often think about the reality of who God is, we quickly forget that He is worthy to be worshiped and loved. We are to fear Him. The answer to each of these questions is simply this: because He’s God. He has more of a right to ask us why so many people are starving. As much as we want God to explain himself to us, His creation, we are in no place to demand that He give an account to us. Can you worship a God who isn’t obligated to explain His actions to you? Could it be your arrogance that makes you think God owes you an explanation? If God is truly the greatest good on this earth, would He be loving us if He didn’t draw us toward what is best for us (even if that happens to be Himself)? Doesn’t His courting, luring, pushing, calling, and even “threatening” demonstrate His love? If He didn’t do all of that, wouldn’t we accuse Him of being unloving in the end, when all things are revealed? Has your relationship with God actually changed the way you live? Do you see evidence of God’s kingdom in your life? Or are you choking it out slowly by spending too much time, energy, money, and thought on the things of this world? Christians who did most for the present world were precisely those who thought most of the next. Jesus’ call to commitment is clear: He wants all or nothing. Our greatest fear as individuals and as a church should not be of failure but of succeeding at things in life that don’t really matter. If life is a river, then pursuing Christ requires swimming upstream. When we stop swimming, or actively following Him, we automatically begin to be swept downstream. How could we think for even a second that something on this puny little earth compares to the Creator and Sustainer and Savior of it all? True faith means holding nothing back; it bets everything on the hope of eternity. When you are truly in love, you go to great lengths to be with the one you love. You’ll drive for hours to be together, even if it’s only for a short while. You don’t mind staying up late to talk. Walking in the rain is romantic, not annoying. You’ll willingly spend a small fortune on the one you’re crazy about. When you are apart from each other, it’s painful, even miserable. He or she is all you think about; you jump at any chance to be together. There is nothing better than giving up everything and stepping into a passionate love relationship with God, the God of the universe who made galaxies, leaves, laughter, and me and you. Do you recognize the foolishness of seeking fulfillment outside of Him? Are you ready and willing to make yourself nothing? To take the very nature of a servant? To be obedient unto death? True love requires sacrifice. What are you doing right now that requires faith? God doesn’t call us to be comfortable. If one person “wastes” away his day by spending hours connecting with God, and the other person believes he is too busy or has better things to do than worship the Creator and Sustainer, who is the crazy one? Am I loving my neighbor and my God by living where I live, by driving what I drive, by talking how I talk?” If I stop pursuing Christ, I am letting our relationship deteriorate. The way we live out our days is the way we will live our lives. What will people say about your life in heaven? Will people speak of God’s work and glory through you? And even more important, how will you answer the King when He says, “What did you do with what I gave you?

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

Heri kuishi kama maskini mwenye pesa nyingi kuliko tajiri mwenye mifuko iliyotoboka, kuliko kusema mbele za watu kwamba pesa haijakupa furaha. Wengi hupata jeuri ya kusema hivyo kutokana na umaskini wa watu wanaowazunguka.

I think one of the reasons that I feel empty after watching a lot of TV, and one of the things that makes TV seductive, is that it gives the illusion of relationships with people. It's a way to have people in the room talking and being entertaining, but it doesn't require anything of me. I mean, I can see them, they can't see me. And, and, they're there for me, and I can, I can receive from the TV, I can receive entertainment and stimulation. Without having to give anything back but the most tangential kind of attention. And that is very seductive. The problem is it's also very empty. Because one of the differences about having a real person there is that number one, I've gotta do some work. Like, he pays attention to me, I gotta pay attention to him. You know: I watch him, he watches me. The stress level goes up. But there's also, there's something nourishing about it, because I think like as creatures, we've all got to figure out how to be together in the same room. And so TV is like candy in that it's more pleasurable and easier than the real food. But it also doesn't have any of the nourishment of real food. And the thing, what the book is supposed to be about is, What has happened to us, that I'm now willing--and I do this too--that I'm willing to derive enormous amounts of my sense of community and awareness of other people, from television? But I'm not willing to undergo the stress and awkwardness and potential shit of dealing with real people. And that as the Internet grows, and as our ability to be linked up, like--I mean, you and I coulda done this through e-mail, and I never woulda had to meet you, and that woulda been easier for me. Right? Like, at a certain point, we're gonna have to build some machinery, inside our guts, to help us deal with this. Because the technology is just gonna get better and better and better and better. And it's gonna get easier and easier, and more and more convenient, and more and more pleasurable, to be alone with images on a screen, given to us by people who do not love us but want our money. Which is all right. In low doses, right? But if that's the basic main staple of your diet, you're gonna die. In a meaningful way, you're going to die.

The idea of coming back to you was something like giving money to a beggar: a person feels bad himself if he gives money to a beggar or if he doesn’t do that

Mtu anayesema pesa haijampa furaha hana nia ya kusaidia watu.

Toa msaada katika jamii iliyosaidia kukulea ulipokuwa mdogo.

Thomas Jefferson observed, “A candle loses nothing when it lights another candle.” That is the real nature of partnership. I find that many people don’t think that way. They believe that sharing means losing something. But I don’t think that’s true. Every person possesses one of two mind-sets: scarcity or abundance. People with a scarcity mind-set believe that there’s only so much to go around, so you have to scrap for everything you can and protect whatever you have at all costs. People with an abundance mind-set believe there’s always enough to go around. If you have an idea, share it: you can always come up with another one. If you have money, give some of it away; you can always make more. If you have only one piece of pie, let someone else eat it; you can bake another one. I believe that in this area, you get from life what you expect. You can hoard what little you have and receive no more. Or you can give what you have, and you will be rewarded with abundance. Your attitude makes the difference. So if you partner with another person and give tremendously, one way or another you’re going to get back more than you gave.

I can't believe he's going to make me give him the speech. I am livid that he's going to make me give him the speech. I do it, piecing it together from times I've seen it done on TV and in movies. I tell him that there are many people who love him and would be crushed if he were to kill himself, while wondering, distantly, if that is the truth. I tell him that he has so much potential, that he has so many things to do, while most of me believes that he will never put his body and brain to much use at all. I tell him that we all have dark periods, while becoming ever more angry at him, the theatrics, the self-pity, all this, when he has everything. He has a complete sort of freedom, with no parents and no dependents, with money and no immediate threats of pain or calamity. He is the 99.9th percentile, as I am. He has no real obligations, can go anywhere at any moment, sleep anywhere, move at will, and still he is wasting everyone's time with this. But I hold that back--I will save that for later--and instead say nothing but the most rapturous and positive things. And though I do not believe much of it, he does. I make myself sick saying it all, everything so obvious, the reasons to live not at all explainable in a few minutes on the edge of a psychiatric ward bed, but still he is roused, making me wonder even more about him, why a fudge-laden pep talk can convince him to live, why he insists on bringing us both down here, to this pedestrian level, how he cannot see how silly we both look, and when, exactly, it was that his head got so soft, when I lost track of him, how it is that I know and care about such a soft and pliant person, where was it again that I parked my car.

Always start out to give more than is expected from you, to treat the other person more fairly, and that is the secret of success. Never try to take advantage of anyone or to hold anyone back in their own progress. The more you help others, the more prosperous you will be personally. p542

For example, I do a little bit of data analysis, like I was saying. For tech companies mostly. They’ll give me a lot of data – say user experience data, like how long users spend on each section of a website – and I’ll spend a few hours making graphs and whatnot. Say it takes me – I don’t know, four hours to make these graphs, and I’ll pretend it took me ten hours, to get extra money. He glances over at her again, and adds: You might think that’s immoral, I don’t know. But anyway, never mind that for a second. The four hours that I actually spend making the graphs, and the ten hours that I get paid for: what is that? Like, any of that: what is it? At least when I worked as a delivery driver, I knew what I was doing. Someone wanted a Big Mac, and I brought it to them, and the amount I got paid was like, what it was worth to that person not to have to collect their own burger. The amount they will pay, not to leave the house, is the amount I will accept, yes to leave the house. Minus whatever the app is taking. If you get me. I get you. You’re making perfect sense. Oh good, he says. Because in the data analysis example, my question is, what is the money that’s being paid to me? It’s the money that the company will pay, to have their own information explained back to them in a graph. And how much money should that be? Clearly no one knows, because at the end I’ll make up a number of hours and they’ll just pay me for that number. I guess the graph is supposed to make the company more profitable, in theory, but no one knows by how much, it’s all made up.

He surveyed what remained of his crew. Rotty still hovered by the wreckage of the longboat. Jesper sat with elbows on knees, head in hands, Wylan beside him wearing the face of a near-stranger; Matthias stood gazing across the water in the direction of Hellgate like a stone sentinel. If Kaz was their leader, then Inej had been their lodestone, pulling them together when they seemed most likely to drift apart. Nina had disguised Kaz’s crow-and-cup tattoo before they’d entered the Ice Court, but he hadn’t let her near the R on his bicep. Now he touched his gloved fingers to where the sleeve of his coat covered that mark. Without meaning to, he’d let Kaz Rietveld return. He didn’t know if it had begun with Inej’s injury or that hideous ride in the prison wagon, but somehow he’d let it happen and it had cost him dearly. That didn’t mean he was going to let himself be bested by some thieving merch. Kaz looked south toward Ketterdam’s harbors. The beginnings of an idea scratched at the back of his skull, an itch, the barest inkling. It wasn’t a plan, but it might be the start of one. He could see the shape it would take—impossible, absurd, and requiring a serious chunk of cash. “Scheming face,” murmured Jesper. “Definitely,” agreed Wylan. Matthias folded his arms. “Digging in your bag of tricks, demjin?” Kaz flexed his fingers in his gloves. How did you survive the Barrel? When they took everything from you, you found a way to make something from nothing. “I’m going to invent a new trick,” Kaz said. “One Van Eck will never forget.” He turned to the others. If he could have gone after Inej alone, he would have, but not even he could pull that off. “I’ll need the right crew.” Wylan got to his feet. “For the Wraith.” Jesper followed, still not meeting Kaz’s eyes. “For Inej,” he said quietly. Matthias gave a single sharp nod. Inej had wanted Kaz to become someone else, a better person, a gentler thief. But that boy had no place here. That boy ended up starving in an alley. He ended up dead. That boy couldn’t get her back. I’m going to get my money, Kaz vowed. And I’m going to get my girl. Inej could never be his, not really, but he would find a way to give her the freedom he’d promised her so long ago. Dirtyhands had come to see the rough work done.

It is unimpressive to not return what’s been borrowed. Whether you have borrowed money, folding chairs, yard tools, or a popular book, always make sure you return to another person what is rightfully theirs. Lending it to you in the first place was a gift of trust and assistance. Being slow to give back in return may be considered rude.

It was the Die Trying promotion tour, and I wasn't mugged. In fact, I mugged the other guy. Promotion tours are hard work, but the compensation is freebie visits to places you might not otherwise go, so I always make a habit, when the day is done, of taking a stroll, usually about midnight. I was in San Francisco, so figured I'd go look at the Tenderloin part of town, which is rough. This guy stepped out and basically said, "Give me your money." ... I was amazed how quickly I snapped back through almost 40 years and suddenly became that tough city kid again. I got right in the guy's face and told him he had to give me his money or I'd break his arms. Just a purely instinctive reaction from long ago. Never back down. Never show fear. He only had five bucks. I gave it to the next homeless person I saw.

Having Bob there gave me a chance to interact with people. They would ask about Bob and I would get a chance to explain my situation at the same time. They would ask where he came from and I’d then be able to explain how we got together and how we were making money to pay our rent, food, electricity and gas bills. People would give me more of a fair hearing. Psychologically, people also began to see me in a different light. Cats are notoriously picky about who they like. And if a cat doesn’t like its owner it will go and find another one. Cats do that all the time. They go and live with somebody else. Seeing me with my cat softened me in their eyes. It humanised me. Especially after I’d been so dehumanised. In some ways it was giving me back my identity. I had been a non-person; I was becoming a person again.

When Elizabeth finally descended the stairs on her way to the dining room she was two hours late. Deliberately. “Good heavens, you’re tardy, my dear!” Sir Francis said, shoving back his chair and rushing to the doorway where Elizabeth had been standing, trying to gather her courage to do what needed to be done. “Come and meet my guests,” he said, drawing her forward after a swift, disappointed look at her drab attire and severe coiffure. “We did as you suggested in your note and went ahead with supper. What kept you abovestairs so long?” “I was at prayer,” Elizabeth said, managing to look him straight in the eye. Sir Francis recovered from his surprise in time to introduce her to the three other people at the table-two men who resembled him in age and features and two women of perhaps five and thirty who were both attired in the most shockingly revealing gowns Elizabeth had ever seen. Elizabeth accepted a helping of cold meat to silence her protesting stomach while both women studied her with unhidden scorn. “That is a most unusual ensemble you’re wearing, I must say,” remarked the woman named Eloise. “Is it the custom where you come from to dress so…simply?” Elizabeth took a dainty bite of meat. “Not really. I disapprove of too much personal adornment.” She turned to Sir Francis with an innocent stare. “Gowns are expensive. I consider them a great waste of money.” Sir Francis was suddenly inclined to agree, particularly since he intended to keep her naked as much as possible. “Quite right!” he beamed, eyeing the other ladies with pointed disapproval. “No sense in spending all that money on gowns. No point in spending money at all.” “My sentiments exactly,” Elizabeth said, nodding. “I prefer to give every shilling I can find to charity instead.” “Give it away?” he said in a muted roar, half rising out of his chair. Then he forced himself to sit back down and reconsider the wisdom of wedding her. She was lovely-her face more mature then he remembered it, but not even the black veil and scraped-back hair could detract from the beauty of her emerald-green eyes with their long, sooty lashes. Her eyes had dark circles beneath them-shadows he didn’t recall seeing there earlier in the day. He put the shadows down to her far-too-serious nature. Her dowry was creditable, and her body beneath that shapeless black gown…he wished he could see her shape. Perhaps it, too, had changed, and not for the better, in the past few years. “I had hoped, my dear,” Sir Francis said, covering her hand with his and squeezing it affectionately, “that you might wear something else down to supper, as I suggested you should.” Elizabeth gave him an innocent stare. “This is all I brought.” “All you brought?” he uttered. “B-But I definitely saw my footmen carrying several trunks upstairs.” “They belong to my aunt-only one of them is mine,” she fabricated hastily, already anticipating his next question and thinking madly for some satisfactory answer. “Really?” He continued to eye her gown with great dissatisfaction, and then he asked exactly the question she’d expected: “What, may I ask, does your one truck contain if not gowns?” Inspiration struck, and Elizabeth smiled radiantly. “Something of great value. Priceless value,” she confided. All faces at the table watched her with alert fascination-particularly the greedy Sir Francis. “Well, don’t keep us in suspense, love. What’s in it?” “The mortal remains of Saint Jacob.

Don hits rock bottom in the series’ finest hour, “The Suitcase,” which is essentially a two-character play about Don and Peggy stuck in the office through a tumultuous night. She wants to leave for a birthday dinner with her boyfriend, while he needs company to avoid placing the phone call that will tell him that Anna Draper — the widow of the real Don, and the one person on Earth with whom this Don feels truly comfortable and safe — has died of cancer. Over the course of the episode, Jon Hamm and Elisabeth Moss are asked to play every emotion possible: rage and despair, joy and humiliation, companionship and absolute contempt. In the most iconic moment, Peggy complains that Don took all the credit for an award-winning campaign she helped conceive. “It’s your job,” he tells her, his voice dripping with condescension. “I give you money. You give me ideas.” “And you never say, ‘Thank you,’” she complains, fighting back tears. “That’s what the money is for!” he screams.

Close your eyes and get quiet for a minute, until the chatter starts up. Then isolate one of the voices and imagine the person speaking as a mouse. Pick it up by the tail and drop it into a mason jar. Then isolate another voice, pick it up by the tail, drop it in the jar. And so on. Drop in any high-maintenance parental units, drop in any contractors, lawyers, colleagues, children, anyone who is whining in your head. Then put the lid on, and watch all these mouse people clawing at the glass, jabbering away, trying to make you feel like shit because you won’t do what they want—won’t give them more money, won’t be more successful, won’t see them more often. Then imagine that there is a volume-control button on the bottle. Turn it all the way up for a minute, and listen to the stream of angry, neglected, guilt-mongering voices. Then turn it all the way down and watch the frantic mice lunge at the glass, trying to get to you. Leave it down, and get back to your shitty first draft.

According to the gospels, Christ healed diseases, cast out devils, rebuked the sea, cured the blind, fed multitudes with five loaves and two fishes, walked on the sea, cursed a fig tree, turned water into wine and raised the dead. How is it possible to substantiate these miracles? The Jews, among whom they were said to have been performed, did not believe them. The diseased, the palsied, the leprous, the blind who were cured, did not become followers of Christ. Those that were raised from the dead were never heard of again. Can we believe that Christ raised the dead? A widow living in Nain is following the body of her son to the tomb. Christ halts the funeral procession and raises the young man from the dead and gives him back to the arms of his mother. This young man disappears. He is never heard of again. No one takes the slightest interest in the man who returned from the realm of death. Luke is the only one who tells the story. Maybe Matthew, Mark and John never heard of it, or did not believe it and so failed to record it. John says that Lazarus was raised from the dead. It was more wonderful than the raising of the widow’s son. He had not been laid in the tomb for days. He was only on his way to the grave, but Lazarus was actually dead. He had begun to decay. Lazarus did not excite the least interest. No one asked him about the other world. No one inquired of him about their dead friends. When he died the second time no one said: “He is not afraid. He has traveled that road twice and knows just where he is going.” We do not believe in the miracles of Mohammed, and yet they are as well attested as this. We have no confidence in the miracles performed by Joseph Smith, and yet the evidence is far greater, far better. If a man should go about now pretending to raise the dead, pretending to cast out devils, we would regard him as insane. What, then, can we say of Christ? If we wish to save his reputation we are compelled to say that he never pretended to raise the dead; that he never claimed to have cast out devils. We must take the ground that these ignorant and impossible things were invented by zealous disciples, who sought to deify their leader. In those ignorant days these falsehoods added to the fame of Christ. But now they put his character in peril and belittle the authors of the gospels. Christianity cannot live in peace with any other form of faith. If that religion be true, there is but one savior, one inspired book, and but one little narrow grass-grown path that leads to heaven. Why did he not again enter the temple and end the old dispute with demonstration? Why did he not confront the Roman soldiers who had taken money to falsely swear that his body had been stolen by his friends? Why did he not make another triumphal entry into Jerusalem? Why did he not say to the multitude: “Here are the wounds in my feet, and in my hands, and in my side. I am the one you endeavored to kill, but death is my slave”? Simply because the resurrection is a myth. The miracle of the resurrection I do not and cannot believe. We know nothing certainly of Jesus Christ. We know nothing of his infancy, nothing of his youth, and we are not sure that such a person ever existed. There was in all probability such a man as Jesus Christ. He may have lived in Jerusalem. He may have been crucified; but that he was the Son of God, or that he was raised from the dead, and ascended bodily to heaven, has never been, and, in the nature of things, can never be, substantiated.

He spent two years in the extermination camp at Auschwitz. According to his own reluctant account, he came this close to going up a smokestack of a crematorium there: "I had just been assigned to the Sonderkommando," he said to me, "when the order came from Himmler to close the ovens down." Sonderkommando means special detail. At Auschwitz it meant a very special detail indeed--one composed of prisoners whose duties were to shepherd condemned persons into gas chambers, and then to lug their bodies out. When the job was done, the members of the Sonderkommando were themselves killed. The first duty of their successors was to dispose of their remains. Gutman told me that many men actually volunteered for the Sonderkommando. "Why?" I asked him. "If you would write a book about that," he said, "and give the answer to that question, that 'Why?'--you would have a very great book." "Do you know the answer?" I said. "No," he said, "That is why I would pay a great deal of money for a book with the answer in it." "Any guesses?" I said. "No," he said, looking me straight in the eye, "even though I was one of the ones who volunteered." He went away for a little while, after having confessed that. And he thought about Auschwitz, the thing he liked least to think about. And he came back, and he said to me: "There were loudspeakers all over the camp," he said, "and they were never silent for long. There was much music played through them. Those who were musical told me it was often good music--sometimes the best." "That's interesting," I said. "There was no music by Jews," he said. "That was forbidden." "Naturally," I said. "And the music was always stopping in the middle," he said, "and then there was an announcement. All day long, music and announcements." "Very modern," I said. He closed his eyes, remembered gropingly. "There was one announcement that was always crooned, like a nursery rhyme. Many times a day it came. It was the call for the Sonderkommando." "Oh?" I said. "Leichentärger zu Wache," he crooned, his eyes still closed. Translation: "Corpse-carriers to the guardhouse." In an institution in which the purpose was to kill human beings by the millions, it was an understandably common cry. "After two years of hearing that call over the loudspeakers, between the music," Gutman said to me, "the position of corpse-carrier suddenly sounded like a very good job.

While the exact changes Muhammad made to this tradition are far too complex to discuss in detail here, it is sufficient to note that women in the Ummah were, for the first time, given the right both to inherit the property of their husbands and to keep their dowries as their own personal property throughout their marriage. Muhammad also forbade a husband to touch his wife’s dowry, forcing him instead to provide for his family from his own wealth. If the husband died, his wife would inherit a portion of his property; if he divorced her, the entire dowry was hers to take back to her family. As one would expect, Muhammad’s innovations did not sit well with the male members of his community. If women could no longer be considered property, men complained, not only would their wealth be drastically reduced, but their own meager inheritances would now have to be split with their sisters and daughters—members of the community who, they argued, did not share an equal burden with the men. Al-Tabari recounts how some of these men brought their grievances to Muhammad, asking, “How can one give the right of inheritance to women and children, who do not work and do not earn their living? Are they now going to inherit just like men who have worked to earn that money?” Muhammad’s response to these complaints was both unsympathetic and shockingly unyielding. “Those who disobey God and His Messenger, and who try to overstep the boundaries of this [inheritance] law will be thrown into Hell, where they will dwell forever, suffering the most shameful punishment” (4:14). If Muhammad’s male followers were disgruntled about the new inheritance laws, they must have been furious when, in a single revolutionary move, he both limited how many wives a man could marry and granted women the right to divorce their husbands.

I happened to mention this to a hypnotist I saw many years ago, and he looked at me very nicely. At first I thought he was feeling around on the floor for the silent alarm button, but then he gave me the following exercise, which I still use to this day. Close your eyes and get quiet for a minute, until the chatter starts up. Then isolate one of the voices and imagine the person speaking as a mouse. Pick it up by the tail and drop it into a mason jar. Then isolate another voice, pick it up by the tail, drop it in the jar. And so on. Drop in any high-maintenance parental units, drop in any contractors, lawyers, colleagues, children, anyone who is whining in your head. Then put the lid on, and watch all these mouse people clawing at the glass, jabbering away, trying to make you feel like shit because you won’t do what they want—won’t give them more money, won’t be more successful, won’t see them more often. Then imagine that there is a volume-control button on the bottle. Turn it all the way up for a minute, and listen to the stream of angry, neglected, guilt-mongering voices. Then turn it all the way down and watch the frantic mice lunge at the glass, trying to get to you. Leave it down, and get back to your shitty first draft.

Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.

We're all so happy you're feeling better, Miss McIntosh. Looks like you still have a good bump on your noggin, though," she says in her childlike voice. Since there is no bump on my noggin, I take a little offense but decide to drop it. "Thanks, Mrs. Poindexter. It looks worse than it feels. Just a little tender." "Yeah, I'd say the door got the worst of it," he says beside me. Galen signs himself in on the unexcused tardy sheet below my name. When his arm brushes against mine, it feels like my blood's turned into boiling water. I turn to face him. My dreams really do not do him justice. Long black lashes, flawless olive skin, cut jaw like an Italian model, lips like-for the love of God, have some dignity, nitwit. He just made fun of you. I cross my arms and lift my chin. "You would know," I say. He grins, yanks my backpack from me, and walks out. Trying to ignore the waft of his scent as the door shuts, I look to Mrs. Poindexter, who giggles, shrugs, and pretends to sort some papers. The message is clear: He's your problem, but what a great problem to have. Has he charmed he sense out of the staff here, too? If he started stealing kids' lunch money, would they also giggle at that? I growl through clenched teeth and stomp out of the office. Galen is waiting for me right outside the door, and I almost barrel into him. He chuckles and catches my arm. "This is becoming a habit for you, I think." After I'm steady-after Galen steadies me, that is-I poke my finger into his chest and back him against the wall, which only makes him grin wider. "You...are...irritating...me," I tell him. "I noticed. I'll work on it." "You can start by giving me my backpack." "Nope." "Nope?" "Right-nope. I'm carrying it for you. It's the least I can do." "Well, can't argue with that, can I?" I reach around for it, but he moves to block me. "Galen, I don't want you to carry it. Now knock it off. I'm late for class." "I'm late for it too, remember?" Oh, that's right. I've let him distract me from my agenda. "Actually, I need to go back to the office." "No problem. I'll wait for you here, then I'll walk you to class." I pinch the bridge of my nose. "That's the thing. I'm changing my schedule. I won't be in your class anymore, so you really should just go. You're seriously violating Rule Numero Uno." He crosses his arms. "Why are you changing your schedule? Is it because of me?" "No." "Liar." "Sort of." "Emma-" "Look, I don't want you to take this personally. It's just that...well, something bad happens every time I'm around you." He raises a brow. "Are you sure it's me? I mean, from where I stood, it looked like your flip-flops-" "What were we arguing about anyway? We were arguing, right?" "You...you don't remember?" I shake my head. "Dr. Morton said I might have some short-term memory loss. I do remember being mad at you, though." He looks at me like I'm a criminal. "You're saying you don't remember anything I said. Anything you said." The way I cross my arms reminds me of my mother. "That's what I'm saying, yes." "You swear?" "If you're not going to tell me, then give me my backpack. I have a concussion, not broken arms. I'm not helpless." His smile could land him a cover shoot for any magazine in the country. "We were arguing about which beach you wanted me to take you to. We were going swimming after school." "Liar." With a capital L. Swimming-drowning-falls on my to-do list somewhere below giving birth to porcupines. "Oh, wait. You're right. We were arguing about when the Titanic actually sank. We had already agreed to go to my house to swim.

Surely it was strange that so young a woman should be living here quite unattached, quite independent apparently of all control, with a great deal of money at her disposal, and only one little girl to give her a countenance? Suppose she were not a proper person at all, suppose she were an outcast from society, a being on whom her own countrypeople turned their backs? This desire to share her fortune with respectable ladies could only be explained in two ways: either she had been moved thereto by an enthusiastic piety of which not a trace had as yet appeared, or she was an improper person anxious to rebuild her reputation with the aid and countenance of the ladies of good family she had entrapped into her house.

Seconds turn into minutes and minutes into hours. It is all still the same. Or it no longer is. If I were to ask what has changed, perhaps nothing, but conceivably everything would be the befitting reply. I no longer feel the same. Loss preceded me, alienating my soul from the body. I feel I am gliding through an alley making a journey from the known towards the unknown. There is a deep abyss inside where sometime back, my heart used to beat and a noisy, rusty old machine has replaced my mind; solitarily creating useless noise. I don’t remember what day it is and since when have I been lying here. It must have been yesterday… or was it day before. I cannot recollect anything except the dull throbbing pain inside my brain. I can see the time, almost 9: 45, difficult to say which time of the day it is. The bigger hand is soon going to overshadow the smaller hand. It looks like a game of cat and mouse; the bigger hand chasing the smaller one. Anyone stronger in terms of physical appearance, money, power, fame or name tramples upon the weak ones - that is the rule of the world. There are only two possible reasons behind it, love or hate. When you love someone you want to control everything that person does and hence, sometimes, knowingly or unknowingly you squash them like melons. While on the other hand in the case of hate, there is no need to specify the reason for walking over someone like that. Hate is a strong reason in itself. I am confused as to what crushed me, was it love or hate? I somehow don’t like the sound of it – love, it in itself smells of treachery, for love is not a pure emotion. Lust and hatred are the only pure emotions. Love is camouflaged, for needs and desires. Desires – they are magical in their own way. They can be innocent. They can be monstrous. But they exist, no matter what, and many such needs and desires make us helpless slaves of the same. We hide these desires either in the realms of our mind or in the dusty corners of our hearts for we are scared…what if someone finds out what we desire. We give them identities so as to not let the real thing show. The only thing visible on the front is a mask we wear to deceive people or that’s what I thought. For I was deceived while I believed I am the deceiver. Or was I not? I debated as my mind once again tried to enter a sleep-induced trance.

Charity Begins At Home The expression "charity begins at home" is often used as a way of excusing ourselves from giving help to far-away causes when we've already got demanding issues on our own doorstep to deal with. To put it another way, it's a way of saying "we should look after number one, first and foremost." This, however, is the exact opposite of what the expression used to mean back in the day. Until recently, the word 'charity' wasn't used in the modern sense of giving or raising money to help others in need. It referred to broader notions such as kindness, love, empathy, affection, and goodwill. So the expression "charity begins at home" didn't mean help yourself before you help anyone else – it meant, if you want the world to be a better place, then you should start by being a better person yourself.

To be ridiculously sweeping: baby boomers and their offspring have shifted emphasis from the communal to the individual, from the future to the present, from virtue to personal satisfaction. Increasingly secular, we pledge allegiance to lowercase gods of our private devising. We are concerned with leading less a good life than the good life. In contrast to our predecessors, we seldom ask ourselves whether we serve a greater social purpose; we are more likely to ask ourselves if we are happy. We shun self-sacrifice and duty as the soft spots of suckers. We give little thought to the perpetuation of lineage, culture or nation; we take our heritage for granted. We are ahistorical. We measure the value of our lives within the brackets of our own births and deaths, and we’re not especially bothered by what happens once we’re dead. As we age—oh, so reluctantly!—we are apt to look back on our pasts and question not did I serve family, God and country, but did I ever get to Cuba, or run a marathon? Did I take up landscape painting? Was I fat? We will assess the success of our lives in accordance not with whether they were righteous, but with whether they were interesting and fun. If that package sounds like one big moral step backward, the Be Here Now mentality that has converted from sixties catchphrase to entrenched gestalt has its upsides. There has to be some value in living for today, since at any given time today is all you’ve got. We justly cherish characters capable of living “in the moment.”…We admire go-getters determined to pack their lives with as much various experience as time and money provide, who never stop learning, engaging, and savoring what every day offers—in contrast to the dour killjoys who are bitter and begrudging in the ceaseless fulfillment of obligation. For the role of humble server, helpmate, and facilitator no longer to constitute the sole model of womanhood surely represents progress for which I am personally grateful. Furthermore, prosperity may naturally lead any well-off citizenry to the final frontier: the self, whose borders are as narrow or infinite as we make them. Yet the biggest social casualty of Be Here Now is children, who have converted from requirement to option, like heated seats for your car. In deciding what in times past never used to be a choice, we don’t consider the importance of raising another generation of our own people, however we might choose to define them. The question is whether kids will make us happy.

Nobody is ever made happy by winning the lottery, buying a house, getting a promotion or even finding true love. People are made happy by one thing and one thing only – pleasant sensations in their bodies. A person who just won the lottery or found new love and jumps from joy is not really reacting to the money or the lover. She is reacting to various hormones coursing through her bloodstream and to the storm of electric signals flashing between different parts of her brain. Unfortunately for all hopes of creating heaven on earth, our internal biochemical system seems to be programmed to keep happiness levels relatively constant. There's no natural selection for happiness as such - a happy hermit's genetic line will go extinct as the genes of a pair of anxious parents get carried on to the next generation. Happiness and misery play a role in evolution only to the extent that they encourage or discourage survival and reproduction. Perhaps it's not surprising, then, that evolution has moulded us to be neither too miserable nor too happy. It enables us to enjoy a momentary rush of pleasant sensations, but these never last for ever. Sooner of later they subside and give place to unpleasant sensations. (...) Some scholars compare human biochemistry to an air-conditioning system that keeps the temperature constant, come heatwave or snowstorm. Events might momentarily change the temperature, but the air-conditioning system always returns the temperature to the same set point. Some air-conditioning systems are set at twenty-five degrees Celsius. Others are set at twenty degrees. Human happiness conditioning systems also differ from person to person. On a scale from one to ten, some people are born with a cheerful biochemical system that allows their mood to swing between levels six and ten, stabilising with time at eight. Such a person is quite happy even if she lives in an alienating big city, loses all her money in a stock-exchange crash and is diagnosed with diabetes. Other people are cursed with a gloomy biochemistry that swings between three and seven and stabilises at five. Such an unhappy person remains depressed even if she enjoys the support of a tight-knit community, wins millions in the lottery and is as healthy as an Olympic athlete (...) incapable of experiencing anything beyond level seven happiness. Her brain is simply not built for exhilaration, come what may. (...) Buying cars and writing novels do not change our biochemistry. They can startle it for a fleeting moment, but it is soon back to the set point.

Danny had no idea what the thing was. All he knew was that he lived more or less in a constant state of expecting something any day, any hour, that would change everything, knock the world upside down and put Danny's whole life into perspective as a story of complete success, because every twist and turn and snag and fuckup would always have been leading up to this. Unexpected stuff could hit him like the thing at first: a girl he'd forgotten giving his number to suddenly calling up out of the blue, a friend with some genius plan for making money, better yet a person he'd never heard of who wanted to talk. Danny got an actual physical head rush from messages like these, but as soon as he called back and found out the details, the calls would turn out to just be about more projects, possibilities, schemes that boiled down to everything staying exactly like it was.

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

Finally, the inner accessibility and reflectiveness of theoretical knowledge which cannot basically be withheld from anybody, as can certain emotions and volitions, has a consequence that directly offsets its practical results. In the first place, it is precisely because of their general accessibility that factors quite independent of personal capacities decide on the factual utilization of knowledge. This leads to the enormous preponderance of the most unintelligent 'educated' person over the cleverest proletarian. The apparent equality with which educational materials are available to everyone interested in them is, in reality, a sheer mockery. The same is true of the other freedoms accorded by the liberal doctrines which, though they certainly do not hamper the individual from gaining goods of any kind, do however disregard the fact that only those already privileged in some way or another have the possibility of acquiring them. For just as the substance of education - in spite of, or because of it general availability - can ultimately be acquired only through individual activity, so it gives rise to the most intangible and thus the most unassailable aristocracy, to a distinction between high and low which can be abolished neither (as can socioeconomic differences) by a decree or a revolution. Thus it was appropriate for Jesus to say to the rich youth: 'Give away your goods to the poor', but not for him to say: 'Give your education to the underprivileged'. There is no advantage that appears to those in inferior positions to be so despised, and before which they feel so deprived and helpless, as the advantage of education. For this reason, attempts to achieve practical equality very often and in so many variations scorn intellectual education. This is true of Buddha, the Cynics, certain currents in Christianity, down to Robespierre's 'nous n'avons pas besoin de savants'. In speech and writing - which, viewed abstractly, are a manifestation of its communal nature - makes possible its accumulation, and, especially, its concentration so that, in this respect, the gulf between high and low is persistently widened. The intellectually gifted or the materially independent person will have all the more chances for standing out from the masses the larger and more concentrated are the available educational materials. Just as the proletarian today has many comforts and cultural enjoyments that were formerly denied to him, while at the same time - particularly if we look back over several centuries and millennia - the gulf between his way of life and that of the higher strata has certainly become much deeper, so, similarly, the rise in the general level of knowledge as a whole does not by any means bring about a general levelling, but rather its opposite.

Wealthy people are, as a class, better than impoverished people, more moral, more intellectual, more well-behaved. There is only one class in the community that thinks more about money than the rich, and that is the poor. The poor can think of nothing else. That is the misery of being poor. What Jesus does say is that man reaches his perfection, not through what he has, not even through what he does, but entirely through what he is. And so the wealthy young man who comes to Jesus is represented as a thoroughly good citizen, who has broken none of the laws of his state, none of the commandments of his religion. He is quite respectable, in the ordinary sense of that extraordinary word. Jesus says to him, ‘You should give up private property. It hinders you from realising your perfection. It is a drag upon you. It is a burden. Your personality does not need it. It is within you, and not outside of you, that you will find what you really are, and what you really want.’ To his own friends he says the same thing. He tells them to be themselves, and not to be always worrying about other things. What do other things matter? Man is complete in himself. When they go into the world, the world will disagree with them. That is inevitable. The world hates Individualism. But that is not to trouble them. They are to be calm and self-centred. If a man takes their cloak, they are to give him their coat, just to show that material things are of no importance. If people abuse them, they are not to answer back. What does it signify? The things people say of a man do not alter a man. He is what he is. Public opinion is of no value whatsoever. Even if people employ actual violence, they are not to be violent in turn. That would be to fall to the same low level. After all, even in prison, a man can be quite free. His soul can be free. His personality can be untroubled. He can be at peace. And, above all things, they are not to interfere with other people or judge them in any way. Personality is a very mysterious thing. A man cannot always be estimated by what he does. He may keep the law, and yet be worthless. He may break the law, and yet be fine. He may be bad, without ever doing anything bad. He may commit a sin against society, and yet realise through that sin his true perfection.

In graduate school he’d had a teacher who had told him that the best actors are the most boring people. A strong sense of self was detrimental, because an actor had to let the self disappear; he had to let himself be subsumed by a character. “If you want to be a personality, be a pop star,” his teacher had said. He had understood the wisdom of this, and still did, but really, the self was what they all craved, because the more you acted, the further and further you drifted from who you thought you were, and the harder and harder it was to find your way back. Was it any wonder that so many of his peers were such wrecks? They made their money, their lives, their identities by impersonating others—was it a surprise, then, that they needed one set, one stage after the next, to give their lives shape? Without them, what and who were they? And so they took up religions, and girlfriends, and causes to give them something that could be their own: they never slept, they never stopped, they were terrified to be alone, to have to ask themselves who they were. (“When an actor talks and there’s no one to hear him, is he still an actor?” his friend Roman had once asked. He sometimes wondered.)

book called The Birds, and it sounded just like mine. He was getting all worked up and cross, saying Hitchcock had taken the film from his, and not mine. Then he apparently took Counsel’s Opinion, who said it was no good him doing anything, so luckily he is not to go on with his claim, so-called. But at least three fools in America have made ‘claims’, saying they have written books or stories about savage birds, and my heart began to sink, in case some awful great Main case started up in the US (like that Rebecca thing) and I had to fly out, and give evidence. These brutes just do it for publicity and money, and film people like Hitchcock don’t care; it makes more publicity, and any claim always comes back on the author. There seems to be no protection for well-known authors when this happens, because after all it’s only one’s word against somebody else’s, that one has never read their stupid stories! And as these people are always insolvent, there is no hope of making a counter-claim against them, or getting them to pay costs if they bring a case. Actually, I don’t think anything will come from it all, but I can’t help remembering that awful Rebecca lawsuit. That person’s story was rotten, and not a bit like Rebecca at all, but they were still able to file a lawsuit, and one had to go to America, and do all that witness business.

Muriah approached him with a new pair of khakis and a couple of T-shirts. “I guessed at the size so you might want to go try these on first.” He took the clothes and slid his arm around her waist, maneuvering her toward the fitting room. “Hey, I didn’t sign on to be your dresser.” She grumbled, but didn’t struggle. He pulled the door closed and turned to meet her eyes. “It’s light in here and full of people. Apep will not be able to surprise us, and his serpents cannot spy. We need to talk.” *** He stripped off the wet shirt, exposing his chiseled torso. She did her best not to choke on her tongue. His tanned skin and taut muscles tempted her, luring her to touch him. Turning around to give him privacy seemed like the right thing to do, but there wasn’t a hint of modesty in this Mayan god, and if he could handle getting this personal, then she could, too. When he unzipped the wet pants, she held her breath. Would an ancient guy wear underwear? She was about to find out. He bent over to lower the wet slacks. When he straightened up, she realized he’d been talking, but she didn’t have a clue what he had said. Instead, all her attention was focused on a fine trail of dark hair leading from just below his navel and disappearing under the low-slung elastic band of his boxer briefs. “Muriah?” Her gaze snapped up to meet his. Thank the universe he couldn’t read her thoughts. “Yeah?” “Did you hear my question?” He stood two feet from her in only his underwear, and he thought she was listening? He was either completely unaware of his sex appeal, or he was way too accustomed to being obeyed. Probably both. She cleared her throat. “I must’ve missed it.” A spark lit his eyes that told her he might have more than a clue to his sex appeal. He picked up the T-shirt and pulled it on. “I asked if you knew of another hotel closer to the airport so we can get out of New York as soon as the sun sets tomorrow.” “I’m sure I can find one.” She pulled out her phone, grateful to have something to pretend to focus on besides him tucking his package into the new khakis she pulled off the rack for him. “I probably should’ve grabbed some dry underwear, too.” “They are nearly dry now. I will be fine.” He popped the tags off, and she glanced up from her hotel search. “They’re not going to like you taking the tags off before you pay.” The corner of his mouth curved up. “They will be honored to take my money.” She groaned and rolled her eyes. “Do you ever not get your way?” He stepped closer to her, his chest an inch from hers until her back pressed against the modular wall of the fitting room. “Rarely.” His dark gaze held hers, and the deep rumble of his voice sent heat through her body. “But some things are worth the extra effort.

They don’t want people who are smart enough to sit around the kitchen table and figure out how badly they’re getting fucked by a system that threw them overboard thirty years ago. They want people who are just smart enough to run the machines and do the paperwork, and just dumb enough to passively accept all the increasingly shitty jobs with the less pay, reduced benefits, the end of overtime—and the vanishing pension that disappears the minute you come to collect it. And now they’re coming for your Social Security. They want your retirement money. They want it back so they can give it to their criminal Wall Street friends. And you know what? They’ll get it! They’ll get it all. They count on the fact that Americans will remain willfully ignorant.” The prophetic Mr. George Carlin “It’s just a ride. We can change it any time we want. It’s just a choice. No effort, no work, no job, no savings of money—a choice, right now, between fear and love. The eyes of fear want you to put bigger locks on your door, buy guns, close yourself off. The eyes of love instead see all of us as one. Here’s what we can do to make this world a better ride. Take all the money we spend on weapons every year and use it to feed and clothe the poor of the world. There will be enough to help every person in the world, not one left out—and we can explore space, both inner and outer, together, in peace.” Bill Hicks “Try to learn to breathe deeply, really taste food when you eat, and when you sleep to really sleep. Try as much as possible to be wholly alive with all your might, and when you laugh, laugh like hell. And when you get angry, get good and angry. Try to be alive. You will be dead soon enough.” William Saroyan

calm himself, to right his mind. But she wasn’t a nice, decent person, and his panic was giving his tongue free rein, so she let him go on. “I’ve only heard my clients whispering about it, every now and then. But there’s a group that’s formed, right here in Rifthold, and they want to put Aelin Galathynius back on Terrasen’s throne.” Her heart stopped beating. Aelin Galathynius, the lost heir of Terrasen. “Aelin Galathynius is dead,” she breathed. Archer shook his head. “They don’t think so. They say she’s alive, and that she’s raising an army against the king. She’s looking to reestablish her court, to find what’s left of King Orlon’s inner circle.” She just stared at him, willing her fingers to unclench, willing air into her lungs. If it were true … No, it wasn’t true. If these people actually claimed to have met the heir to the throne, then she had to be an imposter. Was it mere coincidence that Nehemia had mentioned Terrasen’s court that morning? That Terrasen was the one force capable of standing against the king—if it could get to its feet again, with or without the true heir? But Nehemia had sworn to never lie to her; if she’d known anything, she would have said it. Celaena closed her eyes, though she was aware of Archer’s every movement. In the darkness, she pulled herself together, shoved down that desperate, foolish hope until nothing but an ageless fear blanketed it again. She opened her eyes. Archer was gaping at her, his face white as death. “I have no intention of killing you, Archer,” she said. He sagged against the bench, releasing his grip on the dagger. “I’m going to give you a choice. You can fake your own death right now and flee the city before dawn. Or I can give you until the end of the month—four weeks. Four weeks to discreetly get your affairs in order; I assume you have money tied up in Rifthold. But the time comes at a cost:

Nope. Look. The Raft is a media event. But in a much more profound, general sense than you can possibly imagine." "Huh?" "It's created by the media in that without the media, people wouldn't know it was here, Refus wouldn't come out and glom onto it the way they do. And it sustains the media. It creates a lot of information flow-movies, news reports - - you know." "So you're creating your own news event to make money off the information flow that it creates?" says the journalist, desperately trying to follow. His tone of voice says that this is all a waste of videotape. His weary attitude suggests that this is not the first time Rife has flown off on a bizarre tangent. "Partly. But that's only a very crude explanation. It really goes a lot deeper than that. You've probably heard the expression that the Industry feeds off of biomass, like a whale straining krill from the ocean." "I've heard the expression, yes." "That's my expression. I made it up. An expression like that is just like a virus, you know -- it's a piece of information -- data -- that spreads from one person to the next. Well, the function of the Raft is to bring more biomass. To renew America. Most countries are static, all they need to do is keep having babies. But America's like this big old clanking, smoking machine that just lumbers across the landscape scooping up and eating everything in sight. Leaves behind a trail of garbage a mile wide. Always needs more fuel... "Now I have a different perspective on it. America must look, to those poor little buggers down there, about the same as Crete looked to those poor Greek suckers. Except that there's no coercion involved. Those people down there give up their children willingly. Send them into the labyrinth by the millions to be eaten up. The Industry feeds on them and spits back images, sends out movies and TV programs, over my networks, images of wealth and exotic things beyond their wildest dreams, back to those people, and it gives them something to dream about, something to aspire to. And that is the function of the Raft. It's just a big old krill carrier." Finally the journalist gives up on being a journalist, just starts to slag L. Bob Rife openly. He's had it with this guy. "That's disgusting. I can't believe you can think about people that way." "Shit, boy, get down off your high horse. Nobody really gets eaten. It's just a figure of speech. They come here, they get decent jobs, find Christ, buy a Weber grill, and live happily ever after. What's wrong with that?

Mystery is the sugar in the cup,' said the Doctor. She picked up the container of white crystals the delicatessen had included in the picnic basket and poured a large dollop into her cognac. 'I don’t think I’d do that, Gunilla,' said Darcourt. 'Nobody wants you to do it, Simon. I am doing it, and that’s enough. That is the curse of life—when people want everybody to do the same wise, stupid thing. Listen: Do you want to know what life is? I’ll tell you. Life is a drama.' 'Shakespeare was ahead of you, Gunilla,' said Darcourt. '"All the world’s a stage,"' he declaimed. 'Shakespeare had the mind of a grocer,' said Gunilla. 'A poet, yes, but the soul of a grocer. He wanted to please people.' 'That was his trade,' said Darcourt. 'And it’s yours, too. Don’t you want this opera to please people?' 'Yes, I do. But that is not philosophy. Hoffmann was no philosopher. Now be quiet, everybody, and listen, because this is very important. Life is a drama. I know. I am a student of the divine Goethe, not that grocer Shakespeare. Life is a drama. But it is a drama we have never understood and most of us are very poor actors. That is why our lives seem to lack meaning and we look for meaning in toys—money, love, fame. Our lives seem to lack meaning but'—the Doctor raised a finger to emphasize her great revelation—'they don’t, you know.' She seemed to be having some difficulty in sitting upright, and her natural pallor had become ashen. 'You’re off the track, Nilla,' said Darcourt. 'I think we all have a personal myth. Maybe not much of a myth, but anyhow a myth that has its shape and its pattern somewhere outside our daily world.' 'This is all too deep for me,' said Yerko. 'I am glad I am a Gypsy and do not have to have a philosophy and an explanation for everything. Madame, are you not well?' Too plainly the Doctor was not well. Yerko, an old hand at this kind of illness, lifted her to her feet and gently, but quickly, took her to the door—the door to the outside parking lot. There were terrible sounds of whooping, retching, gagging, and pitiful cries in a language which must have been Swedish. When at last he brought a greatly diminished Gunilla back to the feast, he thought it best to prop her, in a seated position, against the wall. At once she sank sideways to the floor. 'That sugar was really salt,' said Darcourt. 'I knew it, but she wouldn’t listen. Her part in the great drama now seems to call for a long silence.' 'When she comes back to life I shall give her a shot of my personal plum brandy,' said Yerko. 'Will you have one now, Priest Simon?

THE PAYOFF IS EXTRAORDINARY I was giving a seminar in Detroit a couple of years ago when a young man, about thirty years old, came up to me at the break. He told me that he had first come to my seminar and heard my “3 Percent Rule” about ten years ago. At that time, he had dropped out of college, was living at home, driving an old car, and earning about $20,000 a year as an office-to-office salesman. He decided after the seminar that he was going to apply the 3 Percent Rule to himself, and he did so immediately. He calculated 3 percent of his income of $20,000 would be $600. He began to buy sales books and read them every day. He invested in two audio-learning programs on sales and time management. He took one sales seminar. He invested the entire $600 in himself, in learning to become better. That year, his income went from $20,000 to $30,000, an increase of 50 percent. He said he could trace the increase with great accuracy to the things he had learned and applied from the books he had read and the audio programs he had listened to. So the following year, he invested 3 percent of $30,000, a total of $900, back into himself. That year, his income jumped from $30,000 to $50,000. He began to think, “If my income goes up at 50 percent per year by investing 3 percent back into myself, what would happen if I invested 5 percent? KEEP RAISING THE BAR The next year, he invested 5 percent of his income, $2,500, into his learning program. He took more seminars, traveled cross-country to a conference, bought more audio- and video-learning programs, and even hired a part-time coach. And that year, his income doubled to $100,000. After that, like playing Texas Hold-Em, he decided to go “all in” and raise his investment into himself to 10 percent per year. He told me that he had been doing this every since. I asked him, “How has investing 10 percent of your income back into yourself affected your income?” He smiled and said, “I passed a million dollars in personal income last year. And I still invest 10 percent of my income in myself every single year.” I said, “That’s a lot of money. How do you manage to spend that much money on personal development?” He said, “It’s hard! I have to start spending money on myself in January in order to invest it all by the end of the year. I have an image coach, a sales coach, and a speaking coach. I have a large library in my home with every book, audio program, and video program on sales and personal success I can find. I attend conferences, both nationally and internationally in my field. And my income keeps going up and up every year.

I don’t think I’ve ever seen a girl ditch Darius like that,” an amused voice came from behind me and I turned to find a guy looking at me from a seat at a table in the corner. He had dark hair that curled in a messy kind of way, looking like it had broken free of his attempts to tame it. His green eyes sparkled with restrained laughter and I couldn’t help but stare at his strong features; he looked almost familiar but I was sure I’d never met him before. “Well, even Dragons can’t just get their own way all of the time,” I said, moving closer to him. Apparently that had been the right thing to say because he smiled widely in response to it. “What’s so great about Dragons anyway, right?” he asked, though a strange tightness came over his posture as he said it. “Who’d want to be a big old lizard with anger management issues?” I joked. “I think I’d rather be a rabbit shifter - at least bunnies are cute.” “You don’t have a very rabbity aura about you,” he replied with a smile which lit up his face. “I’m not sure if that’s a compliment or not.” “It is. Although a rabbit might be exactly the kind of ruler we need; shake it up from all these predators.” “Maybe that’s why I can’t get on board with this fancy food. It’s just not meant for someone of my Order... although I’m really looking for a sandwich rather than a carrot,” I said wistfully. He snorted a laugh. “Yeah I had a pizza before I came to join the festivities. I’m only supposed to stay for an hour or so anyway... show my face, sit in the back, avoid emotional triggers...” He didn’t seem to want to elaborate on that weird statement so I didn’t push him but I did wonder why he’d come if that was all he was going to do. “Well, I didn’t really want to come at all so maybe I can just hide out back here with you?” I finished the rest of my drink and placed my glass on the table as I drifted closer to him. Aside from Hamish, he was the first person I’d met at this party who seemed at least halfway genuine. “Sure. If you don’t mind missing out on all the fun,” he said. “I’m sorry but am I talking to Roxanya or Gwendalina? You’re a little hard to tell apart.” I rolled my eyes at those stupid names. “I believe I originally went by Roxanya but my name is Tory.” “You haven’t taken back your royal name?” he asked in surprise. “I haven’t taken back my royal anything. Though I won’t say no to the money when it comes time to inherit that. You didn’t give me your name either,” I prompted. You don’t know?” he asked in surprise. “Oh sorry, dude, are you famous? Must be a bummer to meet someone who isn’t a fan then,” I teased. He snorted a laugh. “I’m Xavier,” he said. “The Dragon’s younger brother.” “Oh,” I said. Well that was a quick end to what had seemed like a pleasant conversation. “Actually... I should probably go... mingle or something.” I started to back away, searching the crowd for Darcy. I spotted her on the far side of the room, engaged in conversation with Hamish and a few of his friends. The smile on her face was genuine enough so I was at least confident she didn’t need rescuing. (Tory)

College students were instructed to sit by themselves for up to fifteen minutes in a sparsely furnished, unadorned room and “entertain themselves with their thoughts.” They were allowed to think about whatever they liked, the only rules being that they should remain in their seat and stay awake. Before they entered the room they were obliged to surrender any means of distraction they had about their person, such as cell phones, books, or writing materials. Afterward, they were asked to rate the experience on various scales. Unsurprisingly, a majority reported that they found it difficult to concentrate and their minds had wandered, with around half saying they didn’t enjoy the experience. A subsequent experiment, however, revealed that many found being left alone in an empty room with nothing to occupy their minds so unpleasant (this is, after all, what makes solitary confinement such a harsh punishment in prisons) that they would rather give themselves electric shocks. In the first part of this experiment, the volunteers were asked to rate the unpleasantness of a shock delivered via electrodes attached to their ankle and say whether they would pay a small amount of money to avoid having to experience it again. In the second part, during which they were left alone with their thoughts for fifteen minutes, they were presented with the opportunity to zap themselves once again. Amazingly, among those who had said they would pay to avoid a repeat experience, 67 percent of the men (12 out of 18) and 25 percent of the women (6 out of 24) opted to shock themselves at least once. One of the women gave herself nine electric shocks. One of the men subjected himself to no fewer than 190 shocks, though he was considered exceptional—a statistical “outlier”—and his results were excluded from the final analysis. In their report for the journal Science, the researchers write, “What is striking is that simply being alone with their own thoughts for 15 minutes was apparently so aversive that it drove many participants to self-administer an electric shock that they had earlier said they would pay to avoid.” This goes a long way toward explaining why many people initially find it so hard to meditate, because to sit quietly with your eyes closed is to invite the mind to wander here, there, and everywhere. In a sense, that is the whole point: we are simply learning to notice when this has happened. So the frustrating realization that your thoughts have been straying—yet again—is a sign of progress rather than failure. Only by noticing the way thoughts ricochet about inside our heads like ball bearings in a pinball machine can we learn to observe them dispassionately and simply let them come to rest, resisting the urge to pull back the mental plunger and fire off more of them. One of the benefits of meditation is that one develops the ability to quiet the mind at will. “Without such training,” the psychologists conclude drily in their paper, “people prefer doing to thinking, even if what they are doing is so unpleasant they would normally pay to avoid it. The untutored mind does not like to be alone with itself.

The second aspect of the moral appeal of the inner-child movement is consolation. Life is full of setbacks. People we love reject us. We don't get the jobs we want. We get bad grades. Our children don't need us anymore. We drink too much. We have no money. We are mediocre. We lose. We get sick. When we fail, we look for consolation, one form of which is to see the setback as something other than failure-to interpret it in a way that does not hurt as much as failure hurts. Being a victim, blaming someone else, or even blaming the system is a powerful and increasingly widespread form of consolation. It softens many of life's blows. Such shifts of blame have a glorious past. Alcoholics Anonymous made the lives of millions of alcoholics more bearable by giving them the dignity of a “disease” to replace the ignominy of “failure,” “immorality,” or “evil.” Even more important was the civil rights movement. From the Civil War to the early 1950s, black people in America did badly-by every statistic. How did this get explained? “Stupid,” “lazy,” and “immoral” were the words shouted by demagogues or whispered by the white gentry. Nineteen fifty-four marks the year when these explanations began to lose their power. In Brown v. Board of Education, the Supreme Court held that racial segregation in schools was illegal. People began to explain black failure as “inadequate education,” “discrimination,” and “unequal opportunity.” These new explanations are literally uplifting. In technical terms, the old explanations—stupidity and laziness—are personal, permanent, and pervasive. They lower self-esteem; they produce passivity, helplessness, and hopelessness. If you were black and you believed them, they were self-fulfilling. The new explanations—discrimination, bad schools, lean opportunities are impersonal, changeable, and less pervasive. They don't deflate self-esteem (in fact, they produce anger instead). They lead to action to change things. They give hope. The recovery movement enlarges on these precedents. Recovery gives you a whole series of new and more consoling explanations for setbacks. Personal troubles, you're told, do not result as feared from your own sloth, insensitivity, selfishness, dishonesty, self-indulgence, stupidity, or lust. No, they stem from the way you were mistreated as a child. You can blame your parents, your brother, your teachers, your minister, as well as your sex and race and age. These kinds of explanations make you feel better. They shift the blame to others, thereby raising self-esteem and feelings of self-worth. They lower guilt and shame. To experience this shift in perspective is like seeing shafts of sunlight slice through the clouds after endless cold, gray days. We have become victims, “survivors” of abuse, rather than “failures” and “losers.” This helps us get along better with others. We are now underdogs, trying to fight our way back from misfortune. In our gentle society, everyone roots for the underdog. No one dares speak ill of victims anymore. The usual wages of failure—contempt and pity—are transmuted into support and compassion. So the inner-child premises are deep in their appeal: They are democratic, they are consoling, they raise our self-esteem, and they gain us new friends. Small wonder so many people in pain espouse them.

Today, such studies are illegal. Medical scientists cannot offer inducements like pardons to persuade prisoners to take part in their studies. Although they can award small cash payments to research subjects, they are forbidden from giving anyone so much money or such tempting favors that their compensations might constitute what ethicists term an inappropriate inducement, an irresistible temptation to join the study. Now, more than eighty years after the 1918 flu, people enter studies for several reasons—to get free medical care, to get an experimental drug that, they hope, might cure them of a disease like cancer or AIDS, or to help further scientific knowledge. In theory at least, study participants are supposed to be true volunteers, taking part in research of their own free will. But in 1918, such ethical arguments were rarely considered. Instead, the justification for a risky study with human beings was that it was better to subject a few to a great danger in order to save the many. Prisoners were thought to be the ideal study subjects. They could offer up their bodies for science and, if they survived, their pardons could be justified because they gave something back to society. The Navy inmates were perfect for another reason. Thirty-nine of them had never had influenza, as far as anyone knew. So they might be uniquely susceptible to the disease. If the doctors wanted to deliberately transmit the 1918 flu, what better subjects? Was influenza really so easily transmitted? the doctors asked. Why did some people get it and others not? Why did it kill the young and healthy? Could the wartime disruptions and movements of troops explain the spread of the flu? If it was as contagious as it seemed, how was it being spread? What kind of microorganism was causing the illness? The normal way to try to answer such questions would be to study the spread of the disease in animals. Give the disease to a few cages of laboratory rats, or perhaps to some white rabbits. Isolate whatever was causing the illness. Show how it spread and test ways to protect animals—and people—against the disease. But influenza, it seemed, was a uniquely human disease. No animal was known to be susceptible to it. Medical researchers felt they had no choice but to study influenza in people. Either the Navy doctors were uncommonly persuasive or the enticement of a pardon was overwhelmingly compelling. For whatever reason, the sixty-two men agreed to be subjects in the medical experiment. And so the study began. First the sailors were transferred to a quarantine station on Gallops Island in Boston Harbor. Then the Navy doctors did their best to give the men the flu. Influenza is a respiratory disease—it is spread from person to person, presumably carried on droplets of mucus sprayed in the air when sick people cough or sneeze, or carried on their hands and spread when the sick touch the healthy. Whatever was causing the flu should be present in mucus taken from the ill. The experiments, then, were straightforward. The Navy doctors collected mucus from men who were desperately ill with the flu, gathering thick viscous secretions from their noses and throats. They sprayed mucus from flu patients into the noses and throats of some men, and dropped it into other men’s eyes. In one attempt, they swabbed mucus from the back of the nose of a man with the flu and then directly swabbed that mucus into the back of a volunteer’s nose.

THE VISION EXERCISE Create your future from your future, not your past. WERNER ERHARD Erhard Founder of EST training and the Landmark Forum The following exercise is designed to help you clarify your vision. Start by putting on some relaxing music and sitting quietly in a comfortable environment where you won’t be disturbed. Then, close your eyes and ask your subconscious mind to give you images of what your ideal life would look like if you could have it exactly the way you want it, in each of the following categories: 1. First, focus on the financial area of your life. What is your ideal annual income and monthly cash flow? How much money do you have in savings and investments? What is your total net worth? Next . . . what does your home look like? Where is it located? Does it have a view? What kind of yard and landscaping does it have? Is there a pool or a stable for horses? What does the furniture look like? Are there paintings hanging in the rooms? Walk through your perfect house, filling in all of the details. At this point, don’t worry about how you’ll get that house. Don’t sabotage yourself by saying, “I can’t live in Malibu because I don’t make enough money.” Once you give your mind’s eye the picture, your mind will solve the “not enough money” challenge. Next, visualize what kind of car you are driving and any other important possessions your finances have provided. 2. Next, visualize your ideal job or career. Where are you working? What are you doing? With whom are you working? What kind of clients or customers do you have? What is your compensation like? Is it your own business? 3. Then, focus on your free time, your recreation time. What are you doing with your family and friends in the free time you’ve created for yourself? What hobbies are you pursuing? What kinds of vacations do you take? What do you do for fun? 4. Next, what is your ideal vision of your body and your physical health? Are you free of all disease? Are you pain free? How long do you live? Are you open, relaxed, in an ecstatic state of bliss all day long? Are you full of vitality? Are you flexible as well as strong? Do you exercise, eat good food, and drink lots of water? How much do you weigh? 5. Then, move on to your ideal vision of your relationships with your family and friends. What is your relationship with your spouse and family like? Who are your friends? What do those friendships feel like? Are those relationships loving, supportive, empowering? What kinds of things do you do together? 6. What about the personal arena of your life? Do you see yourself going back to school, getting training, attending personal growth workshops, seeking therapy for a past hurt, or growing spiritually? Do you meditate or go on spiritual retreats with your church? Do you want to learn to play an instrument or write your autobiography? Do you want to run a marathon or take an art class? Do you want to travel to other countries? 7. Finally, focus on the community you’ve chosen to live in. What does it look like when it is operating perfectly? What kinds of community activities take place there? What charitable, philanthropic, or volunteer work? What do you do to help others and make a difference? How often do you participate in these activities? Who are you helping? You can write down your answers as you go, or you can do the whole exercise first and then open your eyes and write them down. In either case, make sure you capture everything in writing as soon as you complete the exercise. Every day, review the vision you have written down. This will keep your conscious and subconscious minds focused on your vision, and as you apply the other principles in this book, you will begin to manifest all the different aspects of your vision.

My darling son: depression at your age is more common than you might think. I remember it very strongly in Minneapolis, Minnesota, when I was about twenty-six and felt like killing myself. I think the winter, the cold, the lack of sunshine, for us tropical creatures, is a trigger. And to tell you the truth, the idea that you might soon unpack your bags here, having chucked in all your European plans, makes your mother and me as happy as could be. You have more than earned the equivalent of any university 'degree' and you have used your time so well to educate yourself culturally and personally that if university bores you, it is only natural. Whatever you do from here on in, whether you write or don't write, whether you get a degree or not, whether you work for your mother, or at El Mundo, or at La Ines, or teaching at a high school, or giving lectures like Estanislao Zuleta, or as a psychoanalyst to your parents, sisters and relatives, or simply being Hector Abad Faciolince, will be fine. What matters is that you don't stop being what you have been up till now, a person, who simply by virtue of being the way you are, not for what you write or don't write, or for being brilliant or prominent, but just for being the way you are, has earned the affection, the respect, the acceptance, the trust, the love, of the vast majority of those who know you. So we want to keep seeing you in this way, not as a future great author, or journalist or communicator or professor or poet, but as the son, brother, relative, friend, humanist, who understands others and does not aspire to be understood. It does not matter what people think of you, and gaudy decoration doesn't matter, for those of us who know you are. For goodness' sake, dear Quinquin, how can you think 'we support you (...) because 'that boy could go far'? You have already gone very far, further than all our dreams, better than everything we imagined for any of our children. You should know very well that your mother's and my ambitions are not for glory, or for money, or even for happiness, that word that sounds so pretty but is attained so infrequently and for such short intervals (and maybe for that very reason is so valued), for all our children, but that they might at least achieve well-being, that more solid, more durable, more possible, more attainable word. We have often talked of the anguish of Carlos Castro Saavedra, Manuel Meija Vallejo, Rodrigo Arenas Betancourt, and so many quasi-geniuses we know. Or Sabato or Rulfo, or even Garcia Marquez. That does not matter. Remember Goethe: 'All theory (I would add, and all art), dear friend, is grey, but only the golden tree of life springs ever green.' What we want for you is to 'live'. And living means many better things than being famous, gaining qualifications or winning prizes. I think I too had boundless political ambitions when I was young and that's why I wasn't happy. I think I too had boundless political ambitions when I was young and that's why I wasn't happy. Only now, when all that has passed, have I felt really happy. And part of that happiness is Cecilia, you, and all my children and grandchildren. Only the memory of Marta Cecilia tarnishes it. I believe things are that simple, after having gone round and round in circles, complicating them so much. We should do away with this love for things as ethereal as fame, glory, success... Well, my Quinquin, now you know what I think of you and your future. There's no need for you to worry. You are doing just fine and you'll do better, and when you get to my age or your grandfather's age and you can enjoy the scenery around La Ines that I intend to leave to all of you, with the sunshine, heat and lush greenery, and you'll see I was right. Don't stay there longer than you feel you can. If you want to come back I'll welcome you with open arms. And if you regret it and want to go back again, we can buy you another return flight. A kiss from your father.

The messianic Son had finally been born, but the setting of the birth gives Luke’s readers the first real hint that this King may not fit everyone’s expectations. We will come back to this issue of expectations later, but for now it is worth reflecting on our expectations of God, his character, and his actions. Wrong expectations are a key source of disillusionment and disappointment. A cynical person might argue that we should never expect anything from anyone in order to avoid being let down. Such an approach to people and God, however, will surely lead to a bitter and lonely life. We need each other, and we need God. What happens, then, when God fails to meet our expectations or to act in the way that we thought, hoped, and prayed that he would? In such instances, we need to reevaluate our expectations to make sure they align with the promises of God. God has not promised us that we will be free from all sickness and have lots of money in this lifetime. He has not promised that bad things will not happen to good people. He has not promised that we and our loved ones will never die. In this present age life is fatal; no one gets out alive. He has promised that he will be with us no matter what and that nothing can ever separate us from his love.34 He has promised that resurrection will triumph over death and that there will be a future day when he will personally wipe every tear from every eye and remove sickness and death from his creation forever.35 We will not always understand why things happen, but we can trust that God will fulfill his promises. He is faithful.36

Manson robbed the LaBiancas first, taking Rosemary’s purse from her. Next, he collected Patricia Krenwinkel and Leslie Van Houten from the car and brought them into the house, giving Tex the horrifying instruction to “make sure everybody does something.” Then Manson got back in the car and drove away from the LaBianca home with Linda Kasabian, Susan Atkins, and Clem Grogan inside. Inside the house, Tex Watson killed Leno LaBianca by stabbing him in the throat multiple times with a bayonet. He then used his bayonet on Rosemary who was trying to fight off Patricia and Lesley. Patricia stabbed Rosemary again when Tex, heeding Manson’s instruction that everyone should take part in the murders, told Leslie to take over. Leslie stabbed Rosemary LaBianca 16 times. Tex carved the word “WAR” into Leno’s stomach before all three murderers wrote the words “Rise,” “Death to pigs,” and “Healter Skelter (sic)” on the walls in blood. As a parting gesture, Patricia stabbed Leno’s corpse with a carving fork, which she left jutting out of his stomach alongside the steak knife she left in his neck. While all of this had been going on, Manson was driving the other family members around Los Angeles. Manson bought them chocolate milkshakes with Rosemary LaBianca’s money then had Linda ditch Rosemary’s wallet in the hope that a black person would find it and incriminate themselves in the LaBianca murders. But the killing still wasn’t over. Manson pressed the others to find out if they knew anyone in the Venice Beach area they were driving through. Linda Kasabian admitted to knowing an actor who lived nearby. Manson handed Linda a knife and told her to knock on this actor’s door and stab him. Manson also gave his gun to Clem, instructing him to shoot the actor if Linda was unable to stab him to death. Faced with the task of murdering an innocent man, Linda balked and told the others that she couldn’t remember where the actor lived. Manson drove back to Spahn Ranch, and the rest of the gang hitchhiked back.

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Loans NRIs can give loans to resident Indians on a repatriable or non-repatriable basis. NRIs can also receive loans from residents. Loan from NRIs in foreign currency or on a repatriable basis A resident Indian can borrow up to US dollars 250,000 from NRI close relatives on a repatriation basis i.e. on repayment, the NRI can credit the funds in an NRE account and take this money back without any restrictions. The NRI should be a close relative of the borrower. Please check ‘Who is your relative’ for details. The amount of loan should be received by an inward remittance or by debit to the NRE/FCNR account. The loan should be a minimum of 1 year and without any interest. The funds cannot be used for agricultural/plantation/real estate business or for relending. Income: As the loan should be interest-free, no income can be generated. Taxability: As there is no income, there is no tax. Loan from NRIs in Indian rupees or on a non-repatriable basis A resident, not being a company incorporated in India, may borrow in rupees from an NRI on a non- repatriation basis. The period of loan should be 3 years or less and the rate of interest should not exceed 2% over the prevailing bank rate at the time of the loan. The loan has to be utilized for meeting the borrower’s personal requirement or for his business purposes. The funds cannot be used for agricultural/plantation/real estate business or for relending or for investment in shares, securities or immovable property. For example, Ms. Isumati has given an unsecured loan to her father’s firm earning 15% interest. If she goes to the UK for further studies and becomes an NRI, while she may continue with the loan, RBI rules would apply. The funds cannot be used for real estate business and if the bank rate is 10%, she cannot be paid more than 12% interest on her loan. Her father would also need to deduct TDS @ 30.9% on the interest. Income: Income from loans given to residents is interest. Taxability: The interest income on loans given is taxable for NRIs. Loans to NRIs NRIs are allowed to borrow from a bank/authorized

Rich, what are you doing here?" I asked, my gaze going over toward Brant, finding him watching and feeling almost guilty. Which was ridiculous because I hadn't invited Rich. "Didn't have much of a choice after you blocked my calls and texts, Mads," he said, shaking his head. "Didn't you maybe consider that was because I didn't want to talk to you?" I asked, lifting my chin slightly. "The only possible explanation for that," he said, his charming boyish smile in place, "is because you have somehow forgotten how awesome I am. You can give me five minutes, can't you?" "Because five years wasn't enough of my time to waste?" I asked, not caring how snippy that came off. "I know I hurt you," he said, looking apologetic. "Let's not romanticize it," I cut him off. "You proposed to me and then dumped me because your parents were going to stop paying your bills." His head jerked back, likely not having expected that. "I fucked up," he admitted, shrugging. "I made the wrong choice." "Yes, you did," I agreed, having no plans on sparing his feelings. He hadn't spared mine. "Maddy, come on," he said, shaking his head. "Give me a chance here." "A chance to what? Somehow try to make me think that dumping me and telling me to get my things out before you came home from work was not possibly the worst possible thing you could have done after I gave you five years of my life?" "I was..." "Insensitive and cold-hearted and money-hungry and a complete and utter asshole," I filled in for him. "Maddy, I didn't even think..." "That sentence was complete right there," I cut him off. "You didn't even think. Period. You didn't think about how much it would hurt me that you valued your money more than the life we had built together. You didn't think of the fact that I had nowhere to go but back to live with my mother. You didn't think that loving me and me loving you would be enough. You didn't think. And now what? You've finally given it some thought." "I talked to my..." He talked to his parents. Ugh. I had thought maybe he had grown a set and told them to take their money and shove it. Not that it would change anything, but it would have restored my faith in him being the decent person I had always thought he was. "And what, Rich? Tried to convince them that I was good enough for them? I don't need their approval. And I don't want to be with a man who values their approval of the person you've chosen to be with so much that it changes your feelings for them." "It never changed my feelings about you," Rich said, voice sad. And I did believe him. He had loved me. There was no way he had been faking that. Again, the bitter truth was- he never loved me enough. Now that I knew that, there was no forgetting it. And the fact of the matter was, I deserved to be loved enough. "I don't want to be a decision, Rich. I want to be someone you love and are with because you can't not love and and you can't not be with me. Who you love isn't something you can flip-flop on. And I am thankful I found this out before I married you. Before we started a family. Before it could have begun to mean more than it already did.'' "What? You moved on already?" he asked, tone heavy with skepticism. "Yes." And I had. Not just to another man who had the potential to really mean something to me. But to a version of myself that I had forgotten existed. To live somewhere that everyone cared for me. To be near my mother who I missed dearly. To do a job because I loved it, not because I was looking for adulation. He couldn't factor into any of that. And it was right about then that the door to the bakery opened and out walked Brant, holding his jacket and moving to slip it over my shoulders. "Figured you were cold," he offered, but his eyes also said: and maybe needed an escape. He was right on both.

It’s not how much money you have that matters, it’s what you do with it. That’s how to become really rich. Let me give you an example of someone who is ridiculously rich, in every sense of the word. Let me introduce you to Dave. This is how Dave works: whenever he comes across great, everyday people, whoever they are - whether it’s a shy 17-year-old just leaving school with a longing to visit his absent father who now lives in Canada; or a plumber who has worked beyond the call of duty, been respectful and diligent, but who rarely gets to see his kids as he works so hard; or a single mother, a friend of a friend, who is struggling to balance a million things and multiple jobs and wishes she could treat her kids to something nice - Dave steps in. A bit like Superman! You see, Dave has worked hard in his life, and been rewarded with great wealth, but through it all he has learnt something far greater: that great wealth doesn’t make you rich unless you do great things with it. So Dave will secretly help people out in some special way. Maybe he pays for the young man’s plane fare to Canada to see his dad, or for the plumber to take his family on holiday, or the single mum to get a car. Anything that is beyond the norm, out of the ordinary - he does it. And you know what? It blows people away! Not only does Dave have the most loyal army of everyday people who would go to the ends of the Earth for him (and it is not because of the money he gave them, by the way, it is because he did something so far beyond the norm for them), but Dave is also the happiest man I have ever met. Why? Because it is impossible to live like this and not be ridiculously happy! It is in the giving that a person becomes rich. And that can start today, whatever point we are along the road of our goals. So don’t waste a chance to get rich quick by getting busy giving. Then stand back and watch the happiness unfold…

40. From Those To Whom Much Is Given, Much Is Expected When I left school, I worked for six months running a series of self-defence classes around London to earn some money so I could go backpacking. Finally, I saved enough to travel to India, where I had always wanted to go and see the mighty Himalayas with my own eyes. I knew it would take my breath away. But it was the other things I witnessed in India that really blew my mind. In the back streets of Calcutta I saw sights that just should not happen: legless, blind, ragged bodies, lying in filth-strewn gutters, holding out their blistered arms to beg for a few rupees. I felt overwhelmed, inadequate and powerless - all at once. I sought out the mission run by Mother Teresa and saw there how simple things - cleanliness, calm, care and love - made a difference to those in need. These are not costly things to give, and the lesson I learnt was simple: that we all have it within our power to offer something to change a life, even if our pockets are empty. We’ve come to think of charity as being about big telethons or rock stars setting up foundations, but at its heart, charity is about small acts of kindness. No matter the circumstances in which you were brought up, no matter what your job or how much you earn, we all have the capacity to give something - whether it’s time, love or a listening ear to someone in need. And the thing to remember is this: don’t wait until you have more time, money or energy. Mother Teresa said: ‘Never worry about numbers. Help one person at a time and always start with the person nearest you.’ It is a great lesson, and the more we try to do this with whatever little we have, the more real success will gravitate toward us. People will love you back, your own sense of purpose and achievement will grow, and your life will have influence beyond the material. That is a great way to be known and to live your life. For the record: I am definitely still a work in progress on this one, but we all benefit from trying to aspire to this more. So look around you for those in need - you won’t have to look far - and your own life will grow in meaning. Success is not success unless you live this one.

Good morning to Karen’s fertile and barren friends. I thought I’d send over the plan for the completely unnecessary, mawkish, and expensive non-tradition borrowed from America that is our friend Karen’s baby shower. Karen thinks it’s always good to demand money and time from people to celebrate her own personal life choices and we felt you haven’t given her quite enough in recent history, what, with the $1500 pound hen do in Ibiza, wedding in Majorca with a strict dress code, and gift registry at Selfridges. (NB: ladies-- if you get a new job or buy or flat on your own, you get a card and that’s it! We want to make sure there’s no prprecedent set. We’re not made of money!!) The good news is, after Karen gives birth she won’t see any of her childless friends unless all they want to do is talk about her baby and nothing else. So you can treat this as her farewell party as well as her baby shower. And save those pennies for a couple of years, that is of course until she comes back to you when she’s stopped breast feeding and is bored out of her mind, demands you all go out to drink, dance, and take loads of drugs, then sends you an offish text the following week saying she can’t really have a night out like that again because “I’M A MOTHER NOW.

Direct response marketing is designed to evoke an immediate response and compel prospects to take some specific action, such as opting in to your email list, picking up the phone and calling for more information, placing an order or being directed to a web page. So what makes a direct response ad? Here are some of the main characteristics: It’s trackable. That is, when someone responds, you know which ad and which media was responsible for generating the response. This is in direct contrast to mass media or “brand” marketing—no one will ever know what ad compelled you to buy that can of Coke; heck you may not even know yourself. It’s measurable. Since you know which ads are being responded to and how many sales you’ve received from each one, you can measure exactly how effective each ad is. You then drop or change ads that are not giving you a return on investment. It uses compelling headlines and sales copy. Direct response marketing has a compelling message of strong interest to your chosen prospects. It uses attention-grabbing headlines with strong sales copy that is “salesmanship in print.” Often the ad looks more like an editorial than an ad (hence making it at least three times more likely to get read). It targets a specific audience or niche. Prospects within specific verticals, geographic zones or niche markets are targeted. The ad aims to appeal to a narrow target market. It makes a specific offer. Usually, the ad makes a specific value-packed offer. Often the aim is not necessarily to sell anything from the ad but to simply get the prospect to take the next action, such as requesting a free report. The offer focuses on the prospect rather than on the advertiser and talks about the prospect’s interests, desires, fears, and frustrations. By contrast, mass media or “brand” marketing has a broad, one-size-fits-all marketing message and is focused on the advertiser. It demands a response. Direct response advertising has a “call to action,” compelling the prospect to do something specific. It also includes a means of response and “capture” of these responses. Interested, high-probability prospects have easy ways to respond, such as a regular phone number, a free recorded message line, a website, a fax back form, a reply card or coupons. When the prospect responds, as much of the person’s contact information as possible is captured so that they can be contacted beyond the initial response. It includes multi-step, short-term follow-up. In exchange for capturing the prospect’s details, valuable education and information on the prospect’s problem is offered. The information should carry with it a second “irresistible offer”—tied to whatever next step you want the prospect to take, such as calling to schedule an appointment or coming into the showroom or store. Then a series of follow-up “touches” via different media such as mail, email, fax and phone are made. Often there is a time or quantity limit on the offer.

Think of it this way. I’m like the end of the movie.” “The end of what movie?” “You know how in the movies there’s always this person who wishes they were super successful, and then they get everything they thought they ever wanted. The fame, the money. All of it. Time passes, and they realize it’s not enough and long for the simple life when they did art for art’s sake. When there were no pressures or fake people. They give it all up and go back to being ordinary.” I flash him my coyest smile. “I just skipped all the fame, fortune, and chaos part and went straight to the ending where I dance for the fun of it.” Tyler runs his hands over my hair and then cradles the back of my head. “The end of the movie, huh? There’s one thing missing from your plotline, you know that?” “What?” “A romantic interest.

I’m not sure about the math,” said Dana. “But I definitely think that your choices matter. Every decision you make contributes to your character and shapes the kind of person you are. If you want to be someone who always gives the extra money back to the cashier, the actions you take now affect whether you’ll become that person. “The branch where you’re having a bad day and keep the extra change is one that split off in the past; your actions can’t affect it anymore. But if you act compassionately in this branch, that’s still meaningful, because it has an effect on the branches that will split off in the future. The more often you make compassionate choices, the less likely it is that you’ll make selfish choices in the future, even in the branches where you’re having a bad day.” “That sounds good, but—” Nat thought about how years of acting a certain way could wear ruts in a person’s brain, so that you would keep slipping into the same habits without trying to. “But it’s not easy,” said Nat. “I know it’s not,” said Dana. “But the question was, given that we know about other branches, whether making good choices is worth doing. I think it absolutely

To determine our essentials, we need to start with this foundational question because, without it, we will continue living our lives by default. We can implement the Time-Blocking Method all we want, but without a sense of purpose and intentionality, we will only be achieving productivity for productivity’s sake. Not only that, but the sheer ability to get a lot of stuff done is not ultimately going to provide you with the motivation you need to keep moving forward. You need to answer the question for yourself, “Why am I even doing any of this?” so that at the end of your productivity journey, you can look back and see that it was all for something bigger than yourself. I recognize this is no small question, and for those who have never pondered it before, I wouldn’t expect you to have an answer now; but I hope you will start on a journey to learn your purpose. Often connected with this larger question, is the question of, What are the things that you value most? Right now, most of us could easily articulate that we value things like family, relationships, creativity, hard work, making money, self-care, God, religion, giving back, or enjoying life. But these concepts, unfortunately, are way too vague, and ultimately, unhelpful to provide any real direction in your life. These so-called “values” could be applied to anyone and everyone. They are not specific enough to you. For instance, if you say you value relationships, what do you mean? Relationships with whom? Everyone you meet on the street? Your coworkers? Your spouse? All of your Facebook friends? Your best friend? The truth is you don’t actually value all relationships. My guess is, when you say you value relationships, you have a select few people in mind. You know that trying to build a friendship with everyone you meet would be unrealistic. For the most outgoing person, it would be impossible, even if you tried. That’s because if you invested an equal amount of energy into every person you know, then all of your relationships—especially your closest ones—would suffer. By making every relationship in your life important, you make none of them important. So, you have to get specific about the thing in which you value. Again, you most likely already know, but I would encourage you take a moment to articulate those specifics and write them down. But let’s take it a step deeper. You may say that you value your relationship with your spouse or significant other. That’s great! But if you never go on dates with them, buy them gifts, or say nice things to them, one might question how much you really value that relationship.

My biggest mistakes include, but are not limited to: Revenge trading. Repeatedly trading the same choppy stock over and over as if it personally owes me money. Overtrading. Thinking I can recover from losses by taking low quality setups in rapid succession. Not stopping at my daily goal or 11:30 AM. Slowly giving back all of my gains. Not stopping out. Freezing like a deer in the headlights and letting a small loss grow into a big one. Not taking a break after a bad trade. Continuing to trade when my psychology is in tatters. Thinking I need to be in every move. Forcing bad trades rather than waiting for the chart to provide confirmation.

My biggest mistakes include, but are not limited to: Revenge trading. Repeatedly trading the same choppy stock over and over as if it personally owes me money. Overtrading. Thinking I can recover from losses by taking low quality setups in rapid succession. Not stopping at my daily goal or 11:30 AM. Slowly giving back all of my gains. Not stopping out. Freezing like a deer in the headlights and letting a small loss grow into a big one. Not taking a break after a bad trade. Continuing to trade when my psychology is in tatters. Thinking I need to be in every move. Forcing bad trades rather than waiting for the chart to provide confirmation. Averaging down. Increasing share size when losing. Trying to double down and recoup losses.

Aristotle said that the best activities are the most useless. This is because such things are not simply means to a further end but are done entirely for their own sake. Thus watching a baseball game is more important than getting a haircut, and cultivating a friendship is more valuable than making money. The game and the friendship are goods that are excellent in themselves, while getting a haircut and making money are in service of something beyond themselves. This is also why the most important parts of the newspaper are the sports section and the comics, and not, as we would customarily think, the business and political reports. In this sense, the most useless activity of all is the celebration of the Liturgy, which is another way of saying that it is the most important thing we could possibly do. There is no higher good than to rest in God, to honor him for his kindness, to savor his sweetness—in a word, to praise him. As we have seen in chapter three, every good comes from God, reflects God, and leads back to God, and, therefore, all value is summed up in the celebration of the Liturgy, the supreme act by which we commune with God. This is why the great liturgical theologian Romano Guardini said that the liturgy is a consummate form of play. We play football and we play musical instruments because it is simply delightful to do so, and we play in the presence of the Lord for the same reason. In chapter one I spoke of Adam in the garden as being the first priest, which is another way of saying that his life, prior to the fall, was entirely liturgical. At play in the field of the Lord, Adam, with every move and thought, effortlessly gave praise to God. As Dietrich von Hildebrand indicated, this play of liturgy is what rightly orders the personality, since we find interior order in the measure that we surrender everything in us to God. We might say that the Liturgy bookends the entire Scripture, for the priesthood of Adam stands at the beginning of the sacred text and the heavenly Liturgy of the book of Revelation stands at the end. In the closing book of the Bible, John the visionary gives us a glimpse into the heavenly court, and he sees priests, candles, incense, the reading of a sacred text, the gathering of thousands in prayer, prostrations and other gestures of praise, and the appearance of the Lamb of God. He sees,

Hope and Fear Are Inseparable.” ― Francois De La Rochefoucau Ludlum There is some good in this world, and it's worth fighting for. - J.R.R. Tolkien “For in the day of trouble he will keep me safe in his dwelling; he will hide me in the shelter of his sacred tent and set me high upon a rock. ― Psalms Twenty Seven : Five “ You will never forget a person who came to you with a torch in the dark.” ― Unknown “Everyone is a moon and has a dark side which he never shows to anybody.” ― Mark Twain “The battle between good and evil is endlessly fascinating because we are participants every day.”― Mark Twain “Family isn’t always blood, It's the people in your life who want you in theirs; the ones who accept you for who you are. The ones who would do anything to see you smile and who love you no matter what. “ ― Maya Angelo “In spite of the shame, in spite of the sleepless nights, I'm coping. I'm not pretending it wasn't real. I'm not playing games in my mind. I wouldn't go back to the way I was, naive. I'm a different person now. I know I'm courageous, and without blame. I’ve realized I have it in me to stand up against this horror. — ADC "For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future." ― Jeremiah Twenty-Nine: Eleven “The universe doesn’t give you what you ask for with your thoughts - it gives you what you demand with your actions.” ― Steve Maraboli Hoo-hoo-hoo, go on, take the money and run, Go on, take the money and run! - Steve Miller Band “What separates us from the other killers, is we only kill bad people.”― Vigilante and “Some people just need killing.” ― Barry Eisler “In real life, the hardest aspect of the battle between good and evil is determining which is which.” ― George R. R. Martin “Wherever there is abuse there is also corruption. Politics, philosophy, theology, science, industry, any field with the potential to affect the well-being of others can be destroyed by abuse or saved by good will.” ― Criss Jami “True life is lived when tiny changes occur." ― Leo “You do not know what will happen tomorrow. For what is your life, really? It is a vapor that appears for a little time, and then vanishes away” ― James Four: Fourteen “In a controversy the instant we feel anger we have already ceased striving for the truth, and have begun striving for ourselves.” Buddha

The Random Book Club is an offshoot of the shop which I set up a few years ago when business was sore and the future looked bleak. For £59 a year subscribers receive a book a month, but they have no say over what genre of book they receive, and quality control is entirely down to me. I am extremely judicious in what I choose to put in the box from which the RBC books are parcelled and sent. Since subscribers are clearly inveterate readers, I always take care to pick books that I think anyone who loves reading for its own sake would enjoy. There is nothing that would require too much technical expertise to understand: a mix of fiction and non-fiction, with the weight slightly towards non-fiction, and some poetry. Among the books going out later this month are a copy of Clive James’s Other Passports, Lawrence Durrell’s Prospero’s Cell, Iris Murdoch’s biography of Sartre, Neville Shute’s A Town Like Alice, and a book called 100+ Principles of Genetics. All the books are in good condition, none is ex-library, and some – several of them each year – are hundreds of years old. I estimate that if the members decided to sell the books on eBay, they would more than make their money back. There is a forum on the web site, but nobody uses it, which gives me an insight into the type of person who is attracted to the idea – they don’t like clubs where they have to interact with other people. Perhaps that is why I came up with the idea in the first place – it is a sort of Groucho Marx approach to clubs. There are about 150 members and, apart from a minimal amount of advertising in the Literary Review, the only marketing I do is to have a web site and Facebook page, neither of which I have updated for some time. Word of mouth seems to have been the best way of marketing it. It has saved me from financial embarrassment during a very difficult time in the book trade.

Helpful. Handsome. Humble. A dangerous combination bound to attract envy and spite. Charles’s voice snapped me out of my thoughts. He was on the phone with 9-1-1, informing them of the death, identifying himself to the woman on the phone, who apparently knew him, and giving the details. After he hung up, he gently led Gretchen back into the living room. I followed, wiping a tear from my eye. That tear reassured me. I had seen a lot of death in my time, and had caused a fair amount of it, too, but I had never become any more hardened than what the job absolutely demanded. Once out in the living room, I hardened again. One of these five senior citizens was a murderer, and I was the woman who could discover the culprit. Gretchen? The odds suggested that it was her. Most of the time when a married person gets bumped off, it’s the spouse. The motive was usually one of three things: money, abuse, or an affair. Lucien didn’t have much money and shared it all with Gretchen anyway, plus he wasn’t the abusing kind. People have surprised me before in that department, but that was well beyond the realm of possibility. An affair? Lucien didn’t seem the sort of person to cheat. From what I’d heard, he had refused many offers. In fact, he had refused someone in this very room.

The progressives pose as the champions not only of fairness and social justice but also of compassion. They are the ones who insist on our obligation to those from whom we have allegedly stolen. Let’s leave aside for the moment whether they are right about the theft. What we do know for sure is that progressives assert there has been a theft. They further acknowledge that they are among the beneficiaries of it. Based on this, they would seem to have a clear obligation to return the stolen goods that they are currently enjoying. We might expect, from this analysis, to discover that progressives are the most generous people in America. We can anticipate that they contribute the highest portion of their incomes and time to help their wronged and less fortunate fellow men and women. The truth, however, is that progressives are the least generous people in America. I saw this personally with Obama, who unceasingly declares that “we are our brother’s keeper” even as he refuses to help his own half brother, George, who lives in a hut in the Huruma slum of Nairobi. I met George in early 2012 when I interviewed him for my film 2016: Obama’s America. A few months after that, when I was back in America, George called me from Kenya to ask me to give him $1,000 because his baby son was sick. Surprised, I asked him, “Why are you calling me? Isn’t there someone else you can call?” He said, “No.” So I sent him the money. I guess on that occasion it was I, not Obama, who proved to be his brother’s keeper. And besides George, the president has other relatives in dire need—his aunt Hawa Auma, for example, sells charcoal on the roadside in rural Kenya, and desperately needs money to get her rotting teeth fixed. Although Obama is aware of their plight, he refuses to help them.

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Before you start feeling bad about yourself for your debt, this would be a good moment to remind yourself that money doesn't exist--it's just a system of value exchange. That's it. Pure and simple. So, if you have debt, you've received value and you've not given the equivalent value back to the particular party in the exchange yet. That's all it means. It doesn't mean you're a bad person. It doesn't mean you're a screwup. You're not hopeless. You're not a mess. You simply have more value to give.

In light of the well’s legendary status,” Swift said, “I’d hate to overlook a good opportunity.” He reached into a pocket, rummaged briefly and pulled out a large silver coin. It had been forever since Daisy had seen American money. “You’re supposed to throw in a pin,” she said. “I don’t have a pin.” “That’s a five-dollar piece,” Daisy said in disbelief. “You’re not going to throw that away, are you?” “I’m not throwing it away. I’m making an investment. You’d better tell me the proper procedure for making wishes—it’s a lot of money to waste.” “You’re mocking me.” “I’m in deadly earnest. And since I’ve never done this before, some advice would be welcome.” He waited for her reply, and when it became evident that none was forthcoming, a touch of humor lurked in one corner of his mouth. “I’m going to toss the coin in regardless.” Daisy cursed herself. Even though it was obvious he was mocking her, she could not resist. A wish was not something that should be wasted, especially a five-dollar wish. Drat! She approached the well and said curtly, “First hold the coin in your palm until it’s warm from your hand.” Swift came to stand beside her. “And then?” “Close your eyes and concentrate on the thing you want most.” She let a scornful note enter her voice. “And it has to be a personal wish. It can’t be about something like mergers or banking trusts.” “I do think about things other than business affairs.” Daisy gave him a skeptical glance, and he astonished her with a brief smile. Had she ever seen him smile before? Perhaps once or twice. She had a vague past memory of such an occasion, when his face had been so gaunt that all she had received was an impression of white teeth fixed in a grimace that owed little to any feeling of good cheer. But this smile was just a bit off-center, which made it disarming and tantalizing…a flash of warmth that made her wonder exactly what kind of man lurked behind his sober exterior. Daisy was profoundly relieved when the smile disappeared and he was back to his usual stone-faced self. “Close your eyes,” she reminded him. “Put everything out of your mind except the wish.” His heavy lashes fell shut, giving her the chance to stare at him without having him stare back. It was not the sort of face a boy could wear comfortably…the features were too strong-boned, the nose too long, the jaw obstinate. But Swift had finally grown into his looks. The austere angles of his face had been softened by extravagant sweeps of black lashes and a wide mouth that hinted of sensuality. “What now?” he murmured, his eyes still closed. Staring at him, Daisy was horrified by the impulse that surged through her…to step nearer and explore the tanned skin of his cheeks with her fingertips. “When an image is fixed in your mind,” she managed to say, “open your eyes and toss the coin into the well.” His lashes lifted to reveal eyes as bright as fire trapped in blue glass. Without glancing at the well, he threw the coin right into the center of it.

in Canada, Hawaii, Chicago, or Washington, D.C., police are unable to point to a single instance of gun registration aiding the investigation of a violent crime. In a 2013 deposition, D.C. Police Chief Cathy Lanier said that the department could not “recall any specific instance where registration records were used to determine who committed a crime.”1 The idea behind a registry is that guns left at a crime scene can be used to trace back to the criminals. Unfortunately, guns are very rarely left at the scene of the crime. Those that are left behind are virtually never registered—criminals are not stupid enough to leave behind guns registered to them. In the few cases where registered guns were left at the scene, the criminal had usually been killed or seriously injured. Canada keeps some of the most thorough data on gun registration. From 2003 to 2009, a weapon was identified in fewer than a third of the country’s 1,314 firearm homicides. Of these identified weapons, only about a quarter were registered. Roughly half of these registered guns were registered to someone other than the person accused of the homicide. In just sixty-two cases—4.7 percent of all firearm homicides—was the gun identified as being registered to the accused. Since most Canadian homicides are not committed with a gun, these sixty-two cases correspond to only about 1 percent of all homicides. From 2003 to 2009, there were only sixty-two cases—just nine a year—where registration made any conceivable difference. But apparently, the registry was not important even in those cases. Despite a handgun registry in effect since 1934, the Royal Canadian Mounted Police and the Chiefs of Police have not yet provided a single example in which tracing was of more than peripheral importance in solving a case. No more successful was the long-gun registry that started in 1997 and cost Canadians $2.7 billion before being scrapped. In February 2000, I testified before the Hawaii State Senate joint hearing between the Judiciary and Transportation committees on changes that were being proposed to the state gun registration laws.2 I suggested two questions to the state senators: (1) how many crimes had been solved by their current registration and licensing system, and (2) how much time did it currently take police to register guns? The Honolulu police chief was notified in advance about those questions to give him time to research them. He told the committee that he could not point to any crimes that had been solved by registration, and he estimated that his officers spent over 50,000 hours each year on registering guns. But those aren’t the only failings of gun registration. Ballistic fingerprinting was all the rage fifteen years ago. This process requires keeping a database of the markings that a particular gun makes on a bullet—its unique fingerprint, so to speak. Maryland led the way in ballistic investigation, and New York soon followed. The days of criminal gun use were supposedly numbered. It didn’t work.3 Registering guns’ ballistic fingerprints never solved a single crime. New York scrapped its program in 2012.4 In November 2015, Maryland announced it would be doing the same.5 But the programs were costly. Between 2000 and 2004, Maryland spent at least $2.5 million setting up and operating its computer database.6 In New York, the total cost of the program was about $40 million.7 Whether one is talking about D.C., Canada, or these other jurisdictions, think of all the other police activities that this money could have funded. How many more police officers could have been hired? How many more crimes could have been solved? A 2005 Maryland State Police report labeled the operation “ineffective and expensive.”8 These programs didn’t work.

Yeah I see,” Syn said quietly. Ro’s phone rang and he picked it up, giving Syn a couple of private minutes, which were needed because his heart was beating a mile a minute. The fates can’t be that cruel. To make the only man, no forget that; the only person that Syn had been interested in in over ten years a suspect in a murder case he was overseeing. On top of everything else, the man is married. This isn’t good. Ro disconnected his call and Syn asked him, “How soon before this one arrives?” “He’s already here in room five. You coming?” Ro asked, taking Furious’ file from his hands. “I’ll watch.” Syn walked beside Ro to the interrogation rooms. Then he thought better of it, and decided he needed to be honest with his men. They worked effectively together, but most of all they had each other's backs. Ro was a good man and Syn felt he could trust him. “Ro wait.” “What’s up?” Syn blew out a breath and scratched at the hair on top of his head, which was grown out enough that it was already starting to curl. “Syn what’s going on?” Ro looked genuinely concerned, his vibrant blue eyes staring intently at him. Syn looked back and forth as uniforms brushed passed them in the hall. Ro clasped a firm grip on Syn’s shoulder and ushered him into one of the vacant offices. “Talk to me man. You’re my Sarge but I consider you a friend first. That’s the way we operate. If you have a problem, then I have a fuckin’ problem, and so do twenty-one other men. But between you and me right now, what’s up?” Syn rubbed the back of his neck and tried to ease some of the tension there. “This guy Furious.” Ro shook his head indicating he was listening. “I’m kind of, um … we uh … he’s my,” Syn stuttered not quite finding the right words. “You know him and you like him,” Ro finished for him. Syn looked Ro in the eye. “Yeah, I like him.” Syn took a deep breath. “He’s the first him that I’ve liked in a very long time.” “I see.” Ro rubbed his hand over his cheek again. Syn knew the gesture meant Ro was thinking. “Shit’s all fucked up now. I can’t date a goddamn suspect, a married goddamn suspect.” “Hey whoa. We don’t know the situation with the marriage yet. The reasons I thought he could be a suspect? They might be easily explained away.” “You’re the one said you think he’s hiding something,” Syn argued. “Yes, I did. This guy is married, right? He leaves his husband in a way that makes the man file a missing persons on him, and then Furious changes his name, and not back to his birth name. It looks like he’s hiding from him, I just need to find out why.” Ro pulled a paper from the file. “This shows him making regular deposits to an account in a bank located in Los Angeles. The account is under a different name and has over ninety thousand dollars in it.” “So he stole his husband’s money and hauled ass in the middle of the night. Fuckin’ great.” Syn yanked the door open, ready to charge into interrogation room five and tell Furious he could go to hell. “Geez, hold on a minute, Sarge.” Ro grabbed his arm and pulled him back inside, slamming the door closed. “No wonder Day likes you so much. Both of you go off half-cocked all the fucking time. That money wasn’t stolen. It was life insurance proceeds from when his father died. He might’ve been hiding it from the husband. The contributions he’s been making since then have been small but frequent.” “He’s a porn star, Ronowski! I can’t date a damn porn star! Fucking other women and probably men. What the fuck?” Syn was yelling and pacing now. He knew it wasn’t fair to yell at Ro, but he was the only one there now.

Oh, they’ll catch them,” said Walters. “Catch ’em? Catch ’em?” Porter was astounded. “You out of your fuckin mind? They’ll catch ’em, all right, and give ’em a big party and a medal.” “Yeah. The whole town planning a parade,” said Nero. “They got to catch ’em.” “So they catch ’em. You think they’ll get any time? Not on your life!” “How can they not give ’em time?” Walters’ voice was high and tight. “How? Just don’t, that’s how.” Porter fidgeted with his watch chain. “But everybody knows about it now. It’s all over. Everywhere. The law is the law.” “You wanna bet? This is sure money!” “You stupid, man. Real stupid. Ain’t no law for no colored man except the one sends him to the chair,” said Guitar. “They say Till had a knife,” Freddie said. “They always say that. He could of had a wad of bubble gum, they’d swear it was a hand grenade.” “I still say he shoulda kept his mouth shut,” said Freddie. “You should keep yours shut,” Guitar told him. “Hey, man!” Again Freddie felt the threat. “South’s bad,” Porter said. “Bad. Don’t nothing change in the good old U.S. of A. Bet his daddy got his balls busted off in the Pacific somewhere.” “If they ain’t busted already, them crackers will see to it. Remember them soldiers in 1918?” “Ooooo. Don’t bring all that up….” The men began to trade tales of atrocities, first stories they had heard, then those they’d witnessed, and finally the things that had happened to themselves. A litany of personal humiliation, outrage, and anger turned sicklelike back to themselves as humor. They laughed then, uproariously, about the speed with which they had run, the pose they had assumed, the ruse they had invented to escape or decrease some threat to their manliness, their humanness. All but Empire State, who stood, broom in hand and drop-lipped, with the expression of a very intelligent ten-year-old.

It is the heavy reality of the writing life which makes the “why” so easy to forget: Gutless rejection letters, denigrating revision letters, incompetent copy edits, insulting reviews, late checks, disappointing sales, down-trending print-runs, shrinking advances, royalties paid in a geological timeframe, imprints folding, publishers downsizing their lists and conglomerating their overhead.  One day your editor expresses all the enthusiasm of an overtired undertaker. The next day your agent demonstrates all the faith and commitment of a diseased streetwalker. Your book is packaged with a cover that would embarrass anyone who wasn’t raised in a Red Light district. You give a thoughtful interview only to discover the resultant article describes you as churning out potboilers. Three people show up at your book signing, two of them because they thought you were someone else; the third person came because you owe him money. When you make the New York Times list, a neighbor asks you “which” NYT list you’re on, because there must be a separate one for the trash you write. Though you’ve been publishing regularly for years, you know people who ask, every single time they see you, if you still write. (No, I fell back on my independent wealth when the going got tough.)

Gifts Make the Tribe The biblical proscription against usury goes all the way back to Moses. The rule was simple: you couldn't charge interest on a loan to anyone in your tribe. Strangers, on the other hand, paid interest. This isn't a matter of ancient biblical archeology; the edict against interest stuck for thousands of years, until around the time of Columbus. It's worth taking a minute to understand the reasoning here. If money circulates freely within the tribe, the tribe will grow prosperous more quickly. I give you some money to buy seeds, your farm flourishes, and now we both have money to give to someone else to invest. The faster the money circulates, the better the tribe does. The alternative is a tribe of hoarders, with most people struggling to find enough resources to improve productivity. Obviously, there's another force at work here. When I make an interest-free loan to you, I'm trusting you and giving you a gift at the same time. This interaction increases the quality of our bond and strengthens the community. Just as you wouldn't charge your husband interest on a loan, you don't charge a tribe member. Strangers, on the other hand, are not to be trusted. Going further, strangers don't deserve the bond that the gift brings. It would turn the stranger into a tribe member, and the tribe is already too big. If I loan money to a stranger, I'm doing it for one reason: to make money. I risk my money, and if all goes well, we both profit. But there's no bond here, no connection. One reason that art has so much power is that it represents the most precious gift we can deliver. And delivering it to people we work with or connect with strengthens our bond with them. It strengthens the tribal connection. When you walk into your boss's office and ask for advice, she doesn't charge you an hourly fee, even if she's a corporate coach or a psychoanalyst, even if you want help with a personal problem. The gift of her time and attention and insight is just that--a gift. As a result, the bond between you strengthens.

Close your eyes and get quiet for a minute, until the chatter starts up. Then isolate one of the voices and imagine the person speaking as a mouse. Pick it up by the tail and drop it into a mason jar. Then isolate another voice, pick it up by the tail, drop it in the jar. And so on. Drop in any high-maintenance parental units, drop in any contractors, lawyers, colleagues, children, anyone who is whining in your head. Then put the lid on, and watch all these mouse people clawing at the glass, jabbering away, trying to make you feel like shit because you won’t do what they want—won’t give them more money, won’t be more successful, won’t see them more often. Then imagine that there is a volume-control button on the bottle. Turn it all the way up for a minute, and listen to the stream of angry, neglected, guilt-mongering voices. Then turn it all the way down and watch the frantic mice lunge at the glass, trying to get to you. Leave it down, and get back to your shitty first draft.

Following God can make us look foolish in the world’s eyes. Unbelievers can’t understand why we would give money back to God when we’re struggling financially. It doesn’t make sense to them when we forgive someone who has hurt us terribly, or when we put aside our own desires in order to hold our family together. God may call us to leave a lucrative career for mission work, take in a homeless person, or do something else that seems illogical from a human standpoint. People may even question our sanity. But even when our actions seem strange to those around us, it’s always wise to follow God’s instructions in our most important building project—a life that brings glory to him.

Part 1- If I can do it, so can you. I was born and lived in one of the most oldest and most oldest and most beautiful cities in Albania. I lived under the communist regime where everybody was poor, there was no rich people visited the Elite group who dictate the country. Since I was little girl I dreamed of fairy tale life. But for some reason no one was supportive of my dreams. It looked like they were enjoying watching us living in poverty and keep our heads down. for instance when I was in 5th grade I told my literature teacher "when I get older I want to be a beautician" with a smire on the face she said "You are going to be just like your mother, keep having kids in a row" I did not understood what she meant, but I did not expected that answer from an "educated" person either, especially your teacher. As I got older I started to isolated myself from all the negative people, until one day I asked my uncle to help me get in a beauty college, because he knew people in town, I did not wanted to believe he respond. Even today I can hear his word whisper in my ears, telling me "Beauty college is not for you because you are poor, education is only for rich kids" But that did not stopped me either, I told myself "they can't tell me what I can and can't do" They just pushed me to do better in life, I had to prove it to them, that even children can go to college. I have to prove them wrong by letting them know I can do anything I put my mind into it. So I decided to make a very big move in my that would either end it my life or could change my life for ever. On Sep 2, 1990 I had it enough of the communist regime and all the negative people telling me what I can and can't do. So I decided to leave everyone behind me and move forward in life, I decided to escape and followed my dreams. I excaped from army who was chasing to kill us. but God was with me. can you believe it I made it on the local news saying "Two young girls were killed today by army forces escaping the borders" I made it alive to Yugoslavia, I spend almost seven months in concentration camp,but I thought of bright site. There I meet the love of my life. we dated for five months, his visa was approved to come in US two months before mine, I come to state on March of 1991. New place, new chapter in my life, two weeks later got united with my boyfriend. neither of us spoke English, it was very hard to find jobs, we manage to get a job in a local restaurant as a dishwasher and me as a bustable. at that time I was very I found a happy, so I did it with smile on my face, at that time we were living at my husband's cousins unfinished basement? Yes we were sharing a single /twin size bed, we saved little money and we got our 1st apartment, we had nothing insite site. I remember when the manager showed us the appartment, it was green shaggy carpet and I told my husband. "Honey the carpet is thick enough, we don't need mattress to sleep on it we can sleep on the carpet" A co-worker give us some household stuff to start our life with, later that year our 1st child our daughter was born, two months later we get married in a local Albania church. Life was way better than living under the communist regime. we have two more children. So we decided to bring my parents here so they can help us, and I can get back to work. On April 1, 1998 my father come, we picked him at airport, with tears on his eye he was looking the street lights outside of the car window and said, "America is beautiful country, is land of dreams,....when I die please bury me here and not in Albania?" By that time have I learning enough English to my education education. I went to beauty school. two years later I graduated and got the state license. Yahhhh my dreams start coming true, I found a job in a local salon, couple months later i promoted to a salon manager.

Part 1. My Life Story. - If I can do it, so can you- I was born and lived in one of the most oldest and most beautiful cities in Albania. for 23 years I lived under the communist regime, where everyone was poor, there was no rich people beside the Elite group who dictate the country. Since I was little girl I dreamed of fairy tale life. But for some reason no one was supportive of my dreams. It looked like they were enjoying watching us living in poverty and keep our heads down, for instance I remember when I was in 5th grade I told my literature teacher "When I get older I want to be a beautician." With a smire on her face she said "You are going to be just like your mother, keep having kids in a row" At that time I did not understood what she meant, but I did not expected that answer from an "educated" person, especially your teacher. As I got older I started to isolate myself from all the negative people until one day I asked my uncle to help me to get in a beauty college, he knew people in town that's why, I did not wanted to believe he respond. Even today I can hear his words whisper in my ears, telling me "Beauty college is not for poor children, education is only for rich kids" But that did not stopped me either, I told myself "No one can tell me what I can and can't do" They just motivated me to prove them wrong. Poor children can go to college. So I decided to make a very big move my that would either end it my life or could change my life for ever. Sep 2, 1990 I had it enough of that hell place, communist regime and all the negative people.I decided to leave everyone behind me and move forward in life, I decided to escape the communist and followed my dreams. I was also escaped from army who was chasing to kill us, but mighty God was with us. We made the local news saying "Two young girls were killed today by army forces escaping the borders" but I made it alive to Yugoslavia, I spend almost seven months there in concentration camp. There I meet the love of my life also, we dated for five months, until his visa was approved to come in US, two months later I come to state on March of 1991. New place, new chapter in my life, two weeks later got united, neither of us spoke English, it was very hard to find jobs, we manage to get a job in a local restaurant as a dishwasher and me as a bustable, at that time I was very I found a happy, so I did it with smile on my face. We were living at my husband's cousins unfinished basement. Yes we were sharing a single / twin size bed, we had to saved money so we can get our own apartment, we had nothing insite site. I remember when the manager showed us the appartment, it was green shaggy carpet, I told my husband. "Honey the carpet is thick enough, we don't need mattress to sleep on it, we can sleep on the carpet" later on a co-worker give us some household stuff to start our life with. Later that year our 1st child /daughter was born, two months later we get married in a local Albania church. Life was getting way better than living under the communist regime, later on we have two more children. We decided to bring my parents here so they can help us, I can get back to work or go to school . On April 1, 1998 my father come, we picked him at airport, with tears on his eye he was looking the street lights outside of the car window and said, "America is beautiful country, is land of dreams,....when I die please bury me here and not in Albania" By that time have I learning enough English to continued my education. I went to beauty school. two years later I graduated and got the state license. Yahhhh my dreams start coming true, remember I told you I always wanted to be a beautician. I found a job in a local salon, couple months later I was promoted to a salon manager. I did it for me and not for them who did not believed on me, As I said " I never cared

Part 1. My Life Story. - If I can do it, so can you- I was born and lived in one of the most oldest and most beautiful cities in Albania. for 23 years I lived under the communist regime, where everyone was poor, there was no rich people beside the Elite group who dictate the country. Since I was little girl I dreamed of fairy tale life. But for some reason no one was supportive of my dreams. It looked like they were enjoying watching us living in poverty and keep our heads down, for instance I remember when I was in 5th grade I told my literature teacher "When I get older I want to be a beautician." With a smire on her face she said "You are going to be just like your mother, keep having kids in a row" At that time I did not understood what she meant, but I did not expected that answer from an "educated" person, especially your teacher. As I got older I started to isolate myself from all the negative people until one day I asked my uncle to help me to get in a beauty college, he knew people in town that's why, I did not wanted to believe he respond. Even today I can hear his words whisper in my ears, telling me "Beauty college is not for poor children, education is only for rich kids" But that did not stopped me either, I told myself "No one can tell me what I can and can't do" They just motivated me to prove them wrong. Poor children can go to college. So I decided to make a very big move my that would either end it my life or could change my life for ever. Sep 2, 1990 I had it enough of that hell place, communist regime and all the negative people.I decided to leave everyone behind me and move forward in life, I decided to escape the communist and followed my dreams. I was also escaped from army who was chasing to kill us, but mighty God was with us. We made the local news saying "Two young girls were killed today by army forces escaping the borders" but I made it alive to Yugoslavia, I spend almost seven months there in concentration camp. There I meet the love of my life also, we dated for five months, until his visa was approved to come in US, two months later I come to state on March of 1991. New place, new chapter in my life, two weeks later got united, neither of us spoke English, it was very hard to find jobs, we manage to get a job in a local restaurant as a dishwasher and me as a bustable, at that time I was very I found a happy, so I did it with smile on my face. We were living at my husband's cousins unfinished basement. Yes we were sharing a single / twin size bed, we had to saved money so we can get our own apartment, we had nothing insite site. I remember when the manager showed us the appartment, it was green shaggy carpet, I told my husband. "Honey the carpet is thick enough, we don't need mattress to sleep on it, we can sleep on the carpet" later on a co-worker give us some household stuff to start our life with. Later that year our 1st child /daughter was born, two months later we get married in a local Albania church. Life was getting way better than living under the communist regime, later on we have two more children. We decided to bring my parents here so they can help us, I can get back to work or go to school . On April 1, 1998 my father come, we picked him at airport, with tears on his eye he was looking the street lights outside of the car window and said, "America is beautiful country, is land of dreams,....when I die please bury me here and not in Albania" By that time have I learning enough English to continued my education. I went to beauty school. two years later I graduated and got the state license. Yahhhh my dreams start coming true, remember I told you I always wanted to be a beautician. I found a job in a local salon, couple months later I was promoted to a salon manager. I did it for me and not for them who did not believed on me, As I said " I never cared

Dear Children, I am your dad. The father of all five of you pale creatures. Given how attractive and fertile your mother is, there may be more of you by the time you read this book. If you are reading this, I am probably dead. I would assume this because I can honestly foresee no other situation where you’d be interested in anything I’ve done. Right now, you are actually more interested in preventing me from doing things like working, sleeping, and smiling. I’m kidding, of course. Kind of. I love you with all of my heart, but you are probably the reason I’m dead. All right, you didn’t kill me. Your mother did. She kept getting pregnant! I don’t know how. Don’t think about it. It will give you the willies. At one point, I was afraid she got pregnant while she was pregnant. She was so fertile I didn’t even let her hold avocados. Anyway, this is a book all about what I observed being your dad when you were very young and I had some hair back in good old 2013. So why a book? Well, since you’ve come into my life, you’ve been a constant source of entertainment while simultaneously driving me insane. I felt I had to write down my observations about you in a book. And also for money, so you could eat and continue to break things. By the way, I’m sorry I yelled so much and did that loud clapping thing with my hands. I hated when my dad would do the loud clapping thing with his hands, so every time I do the loud clapping thing, it pains me in many ways. Most of the pain is because that loud clapping thing actually hurts my hands. You may be wondering how I wrote this book. From a very early age, you all instinctively knew I wasn’t that bright of a guy. Probably from all the times you had to correct me when I couldn’t read all the words in The Cat in the Hat. Hell, I find writing e-mails a chore. (Thank you, spell-check!) I wrote this book with the help of many people, but mostly your mother. Your mother is not only the only woman I’ve ever loved, but also the funniest person I know. When your mom was not in labor yelling at me, she made me laugh so hard. Love, Dad P.S. How did you get that hula hoop into that restaurant Easter 2011? Who’s Who in the Cast Jim Gaffigan (Dad).

I’m so tired,” he says. “Me too,” I say, perhaps too quickly. “We’re all tired.” He brings his knees to his chest. “No, I’m really tired,” he says. He rolls onto his side, his back to me. He wants to be encouraged. I put my hand on his shoulder. I can’t believe he’s going to make me give him the speech. I am livid that he’s going to make me give him the speech. I do it, piecing it together from times I’ve seen it done on TV and in movies. I tell him that there are many people who love him and would be crushed if he were to kill himself, while wondering, distantly, if that is the truth. I tell him that he has so much potential, that he has so many things to do, while most of me believes that he will never put his body and brain to much use at all. I tell him that we all have dark periods, while becoming ever more angry at him, the theatrics, the self-pity, all this, when he has everything. He has a complete sort of freedom, with no parents and no dependents, with money and no immediate threats of pain or calamity. He is the 99.9th percentile, as I am. He has no real obligations, can go anywhere at any moment, sleep anywhere, move at will, and still he is wasting everyone’s time with this. But I hold that back—I will save that for later—and instead say nothing but the most rapturous and positive things. And though I do not believe much of it, he does. I make myself sick saying it all, everything so obvious, the reasons to live not at all explainable in a few minutes on the edge of a psychiatric ward bed, but still he is roused, making me wonder even more about him, why a fudge-laden pep talk can convince him to live, why he insists on bringing us both down here, to this pedestrian level, how he cannot see how silly we both look, and when, exactly, it was that his head got so soft, when I lost track of him, how it is that I know and care about such a soft and pliant person, where was it again that I parked my car.

Let me put it plainly for you. I want you. I want you on your knees. On your back. Bent over. I want to shove my face between your legs and feast on your cunt. I want you to obey me. I want to use you as my own personal little ballerina fuck toy and, in return, I’ll give you enough money to cover whatever you expected to get from your parents’ estate. You can go to whatever ballet academy you want, hell you can fucking buy it. You can travel the world, experience all the things you want.

After so many years, you still don’t know what our needs truly are.” “You can tell me.” “Weapons? Money? No, no. What we need is far more precious. The organization doesn’t exist because of Seldon’s ambitious goals. You can’t get a sane, rational person to believe in and die for that. It exists because it possesses something, something that’s its air and blood, and without which the organization would wither away immediately.” “What’s that?” “Hatred.” Tyler was silent. “On the one hand, thanks to our common enemy, our hatred of the West has faded. On the other, the human race that the Trisolarans want to wipe out includes the hated West, so to us, perishing together would be a joy. So we don’t hate the Trisolarans.” The old man spread his hands. “You see, hatred is a treasure more precious than gold or diamonds, and a weapon keener than any in the world, but now it’s gone. It’s not yours to give back.

1. A Rich Life means you can spend extravagantly on the things you love as long as you cut costs mercilessly on the things you don’t. 2. Focus on the Big Wins—the five to ten things that get you disproportionate results, including automating your savings and investing, finding a job you love, and negotiating your salary. Get the Big Wins right and you can order as many lattes as you want. 3. Investing should be very boring—and very profitable—over the long term. I get more excited eating tacos than checking my investment returns. 4. There’s a limit to how much you can cut, but no limit to how much you can earn. I have readers who earn $50,000/year and ones who earn $750,000/year. They both buy the same loaves of bread. Controlling spending is important, but your earnings become super-linear. 5. Your friends and family will have lots of “tips” once you begin your financial journey. Listen politely, then stick to the program. 6. Build a collection of “spending frameworks” to use when deciding on buying something. Most people default to restrictive rules (“I need to cut back on eating out . . .”), but you can flip it and decide what you’ll always spend on, like my book-buying rule: If you’re thinking about buying a book, just buy it. Don’t waste even five seconds debating it. Applying even one new idea from a book is worth it. (Like this one.) 7. Beware of the endless search for “advanced” tips. So many people seek out high-level answers to avoid the real, hard work of improving step by step. It’s easier to dream about winning the Boston Marathon than to go out for a ten-minute jog every morning. Sometimes the most advanced thing you can do is the basics, consistently. 8. You’re in control. This isn’t a Disney movie and nobody’s coming to rescue you. Fortunately, you can take control of your finances and build your Rich Life. 9. Part of creating your Rich Life is the willingness to be unapologetically different. Once money isn’t a primary constraint, you’ll have the freedom to design your own Rich Life, which will almost certainly be different from the average person’s. Embrace it. This is the fun part! 10. Live life outside the spreadsheet. Once you automate your money using the system in this book, you’ll see that the most important part of a Rich Life is outside the spreadsheet—it involves relationships, new experiences, and giving back. You earned it.

It takes more than Sympathy to Empower a person Let's say you found a person on the streets and you feel he needs help, you walk up to him and offer him money and he refuses it, ..says he is okay. Or you see a poor woman and you kindly offer to sponsor her child to school and she says no. You are a good person. But you may not be one who can see through each person and discern how they want to be empowered. Empowerment is personal. What each person terms empowerment is determined by many factors, and the least is your sympathy or your pity. But that's where many people start. The single woman may need a HUSBAND instead of an HELPER. She may want JUST someone to talk to instead of a SPONSOR. The beggar MAY need TODAY'S food not a A SHOP. How do you know what each person needs? Ask, how excited would this person be if I tried to EMPOWER him this WAY? Ask, how well will he use it? That's why the rich at heart stay rich. And the poor stay poor. It begins with the mind. Empowerment to each is different. To empower the poor, work on their minds first. Start the process in stages. Test. The poor at heart value increments. Bite sized offerings. Besides, they would squander the big offerings and still come back, why give them all at once? When you buy cloth for a lazy man, be sure to dye it He wouldn't value it enough to wash it clean.

throughout my life, using skills or talents or a person’s raw physical power to help them rise to the top of their society came and went. In the beginning, it was the strength in their arms to swing their swords. Then the tongue to sway large groups to accomplish something together. It became those who developed the sciences, and then—to a degree—it was those again who had physical prowess and could run or shoot a ball into a hoop. Yet, it was those who produced the food, built the homes, protected society, or taught the children or young adults who often weren’t supported. They would do their jobs, punch their time cards, and do what needed to get done to keep society going. My suggestion is to consider all work—if done well—equal. Government needs to be in place, but we’ll require some form of service as your debt to society. Perhaps you are a musician but can test into working with an R&D lab in the future. Can that be your service?” “That,” Bethany Anne replied, “could be a nightmare. Just think about the ongoing effort for some of Jean Dukes’ stuff. There’s no way we could place a person into a project for two weeks and then they leave.” Michael tapped a finger on the table. “I understand. However, let me give you a quote from a worker to Jack Welch.” “Who?” Peter interrupted. Stephen answered, “Jack Welch. He was the CEO of General Electric—GE—back on Earth in the twentieth century.” Michael continued, “He was talking to the assembly line workers at one of their businesses and one of the men spoke up, telling Welch that ‘for twenty-five years you paid for my hands when you could have had my brain as well for nothing.’” The table was quiet a moment, thinking about that. Peter was the first to break it. “Makes sense. We use that concept in the Guardians all the time. Everyone has a role to play, but if you have ideas you need to speak up.” “It would,” Addix added, “allow those interacting to bring new ways of thinking to perhaps old and worn-out strategies.” “What about those who truly hated the notion?” Stephen asked. “I can think of a few.” “I’m tempted to say ‘fuck ‘em.’” Bethany Anne snorted. “However, I know people, and they might fuck up the works. What about a ten-percent charge of their annual wealth if they wish to forego service?” “Two weeks,” Michael interjected, “is at best four percent of their time.” “Right,” Bethany Anne agreed, “so I’d suggest they do the two weeks. But if they want to they can lose ten percent of their annual wealth—which is not their annual income, because that shit can be hidden.” The Admiral asked, “So a billionaire who technically made nothing during the year would owe a hundred million to get out of two weeks’ service?” “Right,” Bethany Anne agreed. “And someone with fifty thousand owes five thousand.” “Where does the money go?” Peter asked. Admiral Thomas grinned. “I suggest the military.” “Education?” Peter asked. “It’s just a suggestion, because that is what we are talking about.” Stephen scratched his chin. “I can imagine large corporations putting income packages together for their upper-level executives to pay for this.” “I suggest,” Bethany Anne added, “putting the names of those who opt out on a public list so everyone knows who isn’t working.” “What about sickness, or a family illness they need to deal with?” Stephen countered. “With Pod-docs we shouldn’t have that issue, but there would have to be some sort of schedule. Further, we will always have public projects. There are always roads to be built, gardens to be tended, or military

At the end of the session, most of them are elated. They tell him that no one has ever asked them about their life story before. Some of them want to give the research fee back. “I don’t want to take money for this,” they say. “This has been the best afternoon I’ve had in a long time.

It’s experience that has value, not possessions. We desire possessions because we think they’ll make us happier, but extensive research shows that once our basic survival needs are met, increased possessions don’t boost happiness levels. Meditation gives us the option of going straight to happiness and skipping the intermediate step of possessions. Acquiring them takes a lot of work and time, and all that effort can take us out of flow. We can spend a 40-year career amassing the possessions and money that we believe will give us happiness in retirement. Skipping the amassing stage and going straight to bliss gives us the end goal at the beginning. We win the gold medal before the contest even begins. Play doesn’t happen in an imaginary future in which our lives are perfect. Play happens now. We can become billionaires of happy experiences, the bank vaults of our minds overflowing with joy. That’s the only currency that counts. We’ve then acquired the end state without going through the intermediate state of getting stuff. We’ve loaded the dice, so that any and every roll produces bliss. Why not live like that every day? DEEPENING PRACTICES Here are practices you can do this week to integrate the information in this chapter into your life: Releasing the Suffering Self: That’s the theme of this chapter’s companion meditation. Use the link below to listen to this free 15-minute meditation each morning. Play the “Name Your Demon” Game: Give the selfing part of yourself a funny personal name, or ask it what its name is and write down the answer. One woman christened hers “Sticky.” Another, “Yuggo.” This exercise separates you from identification with the demon, and reminds you that you’re in control. Make the Subject-Object Shift: Whenever you find your mind wandering during meditation, simply thank your DMN by name (e.g., “Thanks, Yuggo!”) and then move your attention back to Focus. Mindfulness App: As a way of becoming mindful, enroll in the Harvard wandering mind study by using the link below to download the smartphone app. Time in Nature: Spend time in nature at least three times this week. Write those times in your calendar now, and treat them as seriously as you’d treat a doctor’s appointment. This exercise in self-care is a way of centering your mind and nurturing yourself. Journaling: In your new personal journal, write down the insights you have this week. Notice the way your mind works in meditation, and describe it in your journal. Just a few words are enough, like, “Had a hard time getting to a good place this morning. Lots of mind wandering, but I settled down in 15 minutes.

25:25,35,39. when your brother will be low. Meaning: when your fellow Israelite will be so poor that he has difficulty holding onto his land. It has long been noted that the three times that this phrase occurs in this chapter reflect three stages of increasing hardship. In the first, the person has to sell his land. In the second, he has both lost his land and is without money. And in the third, he himself is sold (or sells himself) into servitude. And at each stage, the man's fellow Israelite is commanded to help him. If he has to sell his land, one must redeem it for him and then give it back to him in the jubilee year. If he is without money, one must lend him money without any charge or interest. And if he is sold, one must not treat him as a slave. Here the units of laws convey the specific requirements while the arrangement conveys the basic principle, namely, that as one's brother's need increases, so does one's responsibility to help him. Further, one must thus help one's fellow as a matter of law. This chapter never speaks of charity, nor does it appeal to one's feelings of compassion or generosity. An unfortunate Israelite need not feel degraded to be poor nor ashamed to be pitied. Economic suffering is rather treated as a reality of life, which one is required by law to remedy. The poor man thus can know that his brother is helping him because the system requires brothers to help one another and that, if the shoe were on the other foot, he would do the same for his brother. This is not to say that the text denies or discourages feelings of compassion, but only that the fulfillment of the law is not made dependent upon the presence or absence of such feelings.

Yes, all you French workers have that one idea: you want to dig up a treasure and live on it for evermore in selfish and lazy isolation. You make a great song against the rich, but when fortune give you some money you haven't the guts to give it back to the poor. You will never deserve to be happy so long as you have personal possessions, and your hatred of the bourgeois simply comes from your mad desire to be bourgeois yourselves in their place!