Personal Loan Quotes

The submission of one's will is really the only uniquely personal thing we have to place on God's altar. The many other things we 'give' are actually the things He has already given or loaned to us.

A banker is a person who is willing to make you a loan if you present sufficient evidence to show you don't need it.

But the Turing test cuts both ways. You can't tell if a machine has gotten smarter or if you've just lowered your own standards of intelligence to such a degree that the machine seems smart. If you can have a conversation with a simulated person presented by an AI program, can you tell how far you've let your sense of personhood degrade in order to make the illusion work for you? People degrade themselves in order to make machines seem smart all the time. Before the crash, bankers believed in supposedly intelligent algorithms that could calculate credit risks before making bad loans. We ask teachers to teach to standardized tests so a student will look good to an algorithm. We have repeatedly demonstrated our species' bottomless ability to lower our standards to make information technology look good. Every instance of intelligence in a machine is ambiguous. The same ambiguity that motivated dubious academic AI projects in the past has been repackaged as mass culture today. Did that search engine really know what you want, or are you playing along, lowering your standards to make it seem clever? While it's to be expected that the human perspective will be changed by encounters with profound new technologies, the exercise of treating machine intelligence as real requires people to reduce their mooring to reality.

The word 'personal' is one of my aversions. Personal loan. Personal hygiene. Personal safety. It's only a way of wrapping up bad news that you're in debt, or dirty, or likely to be mugged.

My life is on loan, like money borrowed from a bank. God is the lender, and He retains the right to call in the loan any time. Though I am responsible for taking care of it, I do not own this life; it is borrowed. Why should I fear its loss or the loss of anything else in this world when I must surrender it all anyway?

If you grant someone a small loan and you never see that person again, consider absolutely worth the payment for his disappearance from your life.

You make your son out to be to be almost an idiot; well let me tell you something, Mrs Loan, if he were a complete idiot, drooling at the mouth, he'd still be a better person then you.

Occasionally there is a moment in a person's life when he takes a great stride forward in wisdom, humility, or disillusionment. For a split second he comes into a kind of cosmic understanding. For a trembling breath of time he knows all there is to know. He is loaned the gift the poet yearned for - seeing himself as others see him.

she knew she was a reasonably intelligent person, but there’s a difference between being intelligent and knowing what to do with your life, also a difference between knowing that a college degree might change your life and a willingness to actually commit to the terrifying weight of student loans,

You're a rule person," he said. "My sister was a cheater. It sort of became necessary." "She cheated at this game?" "She cheated ateverything ," I said. "When we played Monopoly, she always insisted on being banker, then helped herself to multiple loans and 'service fees' for every real estate transaction. I was, like, ten or eleven before I played at someone else's house and they told me you couldn't do that." He laughed, the sound seeming loud in all the quiet. I felt myself smiling, remembering. "During staring contests," I said, "she always blinked.Always . But then she'd swear up and down she hadn't, and make you go again, and again. And when we played Truth, she lied. Blatantly.

Law firms can create environments for abusive relationships. This is especially true if an attorney has no self-direction, has no independent means of financial support, and has massive student loan indebtedness. You've basically made yourself an indentured servant.

Always remember that you’re a business, not a bank (unless your business involves Loans)—collect any outstanding payments as quickly as possible.

Poetic Terrorism WEIRD DANCING IN ALL-NIGHT computer-banking lobbies. Unauthorized pyrotechnic displays. Land-art, earth-works as bizarre alien artifacts strewn in State Parks. Burglarize houses but instead of stealing, leave Poetic-Terrorist objects. Kidnap someone & make them happy. Pick someone at random & convince them they're the heir to an enormous, useless & amazing fortune--say 5000 square miles of Antarctica, or an aging circus elephant, or an orphanage in Bombay, or a collection of alchemical mss. ... Bolt up brass commemorative plaques in places (public or private) where you have experienced a revelation or had a particularly fulfilling sexual experience, etc. Go naked for a sign. Organize a strike in your school or workplace on the grounds that it does not satisfy your need for indolence & spiritual beauty. Graffiti-art loaned some grace to ugly subways & rigid public monuments--PT-art can also be created for public places: poems scrawled in courthouse lavatories, small fetishes abandoned in parks & restaurants, Xerox-art under windshield-wipers of parked cars, Big Character Slogans pasted on playground walls, anonymous letters mailed to random or chosen recipients (mail fraud), pirate radio transmissions, wet cement... The audience reaction or aesthetic-shock produced by PT ought to be at least as strong as the emotion of terror-- powerful disgust, sexual arousal, superstitious awe, sudden intuitive breakthrough, dada-esque angst--no matter whether the PT is aimed at one person or many, no matter whether it is "signed" or anonymous, if it does not change someone's life (aside from the artist) it fails. PT is an act in a Theater of Cruelty which has no stage, no rows of seats, no tickets & no walls. In order to work at all, PT must categorically be divorced from all conventional structures for art consumption (galleries, publications, media). Even the guerilla Situationist tactics of street theater are perhaps too well known & expected now. An exquisite seduction carried out not only in the cause of mutual satisfaction but also as a conscious act in a deliberately beautiful life--may be the ultimate PT. The PTerrorist behaves like a confidence-trickster whose aim is not money but CHANGE. Don't do PT for other artists, do it for people who will not realize (at least for a few moments) that what you have done is art. Avoid recognizable art-categories, avoid politics, don't stick around to argue, don't be sentimental; be ruthless, take risks, vandalize only what must be defaced, do something children will remember all their lives--but don't be spontaneous unless the PT Muse has possessed you. Dress up. Leave a false name. Be legendary. The best PT is against the law, but don't get caught. Art as crime; crime as art.

The root assumption here is that neither party would nominate a man more than 20 percent different from the type of person most Americans consider basically right and acceptable. Which almost always happens. There is no potentially serious candidate in either major party this year who couldn’t pass for the executive vice-president for mortgage loans in any hometown bank from Bangor to San Diego. We

Pick someone in your life you admire. Your grandfather, an old college professor, a friend—it doesn’t matter who, as long as you have total respect for them and you admire their life or accomplishments. Then when you’re about to take a leap, visualize this person at your side, rooting for you, telling you how much they believe in you. Try it when you ask for a raise, or ask someone on a date, or go for a bank loan to start your small business, or do anything scary that takes you outside your comfort zone. We all need a little encouragement and support sometimes.

Are you for peace? The great test of your devotion to peace is not how many words you utter on its behalf. It’s not even how you propose to deal with people of other countries, though that certainly tells us something. To fully measure your “peacefulness” requires that we examine how you propose to treat people in your own backyard. Do you demand more of what doesn’t belong to you? Do you endorse the use of force to punish people for victimless “crimes”? Do you support politicians who promise to seize the earnings of others to pay for your bailout, your subsidy, your student loan, your child’s education or whatever pet cause or project you think is more important than what your fellow citizens might personally prefer to spend their own money on? Do you believe theft is OK if it’s for a good cause or endorsed by a majority? If you answered yes to any of these questions, then have the courage to admit that peace is not your priority. How can I trust your foreign policy if your domestic policy requires so much to be done at gunpoint?

Which led to a second revelation about certain nonprofits, especially young-person-driven start-ups like Public Allies, and many of the bighearted, tirelessly passionate people who work in them: Unlike me, it seemed they could actually afford to be there, their virtue discreetly underwritten by privilege, whether it was that they didn’t have student loans to pay off or perhaps had an inheritance to someday look forward to and thus weren’t worried about saving for the future.

Faith is like a pickpocket who loans a person his own money on generous terms.

Don't take on more student loans than your future-self can handle.

There are people out there who don't have the energy to help people get better. They just accept the other person's flaws, and sure, there's less conflict to deal with, but it's almost like living out a lie. Then there are people who aren’t afraid to point out something’s wrong—even something as little as a typo. In the end, you’re making something better, and that’s more than other people are willing to do.

[I]f he had to guess, he would say that the reason he doesn't want to loan the book out, to Ethan or anyone else, is because of the part of his personality that is one gigantic record-keeping system, a complex sifting and filing scheme that dictates what goes here and what goes there, turning his life into so many marks on a tablet. His mind would busy itself with the book's whereabouts every second it was away. He knows it would.

My physical eyes are like sunglasses, filtering out the colors, but when I'm out here, the aura that emanates from every living thing is clearly visible to me. People, animals, and even plants are surrounded by this transparent bubble of color. Over the years, I've learned that the colors can tell you quite a bit about a person. Like right now, Rei is surrounded by this lemonade yellow, which looks nice, but it's the same shade of yellow my mom has whn she's sold a house to someone and the loan falls through. Sigh.

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

I did not pay much attention, and since it seemed to prolong itself I began to meditate upon the writer’s life. It is full of tribulation. First he must endure poverty and the world’s indifference; then, having achieved a measure of success, he must submit with a good grace to its hazards. He depends upon a fickle public. He is at the mercy of journalists who want to interview him and photographers who want to take his picture, of editors who harry him for copy and tax gatherers who harry him for income tax, of persons of quality who ask him to lunch and secretaries of institutes who ask him to lecture, of women who want to marry him and women who want to divorce him, of youths who want his autograph, actors who want parts and strangers who want a loan, of gushing ladies who want advice on their matrimonial affairs and earnest young men who want advice on their compositions, of agents, publishers, managers, bores, admirers, critics, and his own conscience. But he has one compensation. Whenever he has anything on his mind, whether it be a harassing reflection, grief at the death of a friend, unrequited love, wounded pride, anger at the treachery of someone to whom he has shown kindness, in short any emotion or any perplexing thought, he has only to put it down in black and white, using it as the theme of a story or the decoration of an essay, to forget all about it. He is the only free man.

In fact, wealth-maximizing individuals compare the after-tax costs of debt with the after-tax returns from bonds, liquidating bond positions to pay off loans when the costs of debt exceed the returns from bonds. Rational investors consider liability positions when making asset allocations.

Harvard was need-blind (that was significantly why he had chosen it), but even his generous financial aid package didn’t cover everything. He didn’t owe much, but he couldn’t conceive of asking Dong Hyun and Bong Cha to help with his loans, and he had not gone to Harvard to be a poor person.

Baseball also has statistical rigor. Its gurus have an immense data set at hand, almost all of it directly related to the performance of players in the game. Moreover, their data is highly relevant to the outcomes they are trying to predict. This may sound obvious, but as we’ll see throughout this book, the folks building WMDs routinely lack data for the behaviors they’re most interested in. So they substitute stand-in data, or proxies. They draw statistical correlations between a person’s zip code or language patterns and her potential to pay back a loan or handle a job. These correlations are discriminatory, and some of them are illegal.

It’s important to be a reader because it can help make you a better person.” Anissa Gray, author of The Care and Feeding of Ravenously Hungry Girls (Berkley, 2019), talks about the importance of reading, offers advice to aspiring writers, and explains why she does not loan out books in this interview for Penguin Random House.

At night the envoys received visits of a less savory sort. Three henchmen of Talleyrand’s came around regularly to demand payment in exchange for recognizing the U.S. diplomats. The foreign minister’s agents, characterized in the communications to Philadelphia as X, Y, and Z, laid out the terms: an American loan of ten million dollars to the French government plus a quarter million dollars for Talleyrand’s personal pocket. The envoys angrily rejected the demand, with Pinckney famously replying, “No! No! Not a sixpence.” In the retelling, Pinckney’s refusal evolved into the more American aphorism “Millions for defense, but not one cent for tribute.

The problems of Vincent’s life were the same from one year to the next: she knew she was a reasonably intelligent person, but there’s a difference between being intelligent and knowing what to do with your life, also a difference between knowing that a college degree might change your life and a willingness to actually commit to the terrifying weight of student loans,

Another view of the Constitution was put forward early in the twentieth century by the historian Charles Beard (arousing anger and indignation, including a denunciatory editorial in the New York Times). He wrote in his book An Economic Interpretation of the Constitution: Inasmuch as the primary object of a government, beyond the mere repression of physical violence, is the making of the rules which determine the property relations of members of society, the dominant classes whose rights are thus to be determined must perforce obtain from the government such rules as are consonant with the larger interests necessary to the continuance of their economic processes, or they must themselves control the organs of government. In short, Beard said, the rich must, in their own interest, either control the government directly or control the laws by which government operates. Beard applied this general idea to the Constitution, by studying the economic backgrounds and political ideas of the fifty-five men who gathered in Philadelphia in 1787 to draw up the Constitution. He found that a majority of them were lawyers by profession, that most of them were men of wealth, in land, slaves, manufacturing, or shipping, that half of them had money loaned out at interest, and that forty of the fifty-five held government bonds, according to the records of the Treasury Department. Thus, Beard found that most of the makers of the Constitution had some direct economic interest in establishing a strong federal government: the manufacturers needed protective tariffs; the moneylenders wanted to stop the use of paper money to pay off debts; the land speculators wanted protection as they invaded Indian lands; slaveowners needed federal security against slave revolts and runaways; bondholders wanted a government able to raise money by nationwide taxation, to pay off those bonds. Four groups, Beard noted, were not represented in the Constitutional Convention: slaves, indentured servants, women, men without property. And so the Constitution did not reflect the interests of those groups. He wanted to make it clear that he did not think the Constitution was written merely to benefit the Founding Fathers personally, although one could not ignore the $150,000 fortune of Benjamin Franklin, the connections of Alexander Hamilton to wealthy interests through his father-in-law and brother-in-law, the great slave plantations of James Madison, the enormous landholdings of George Washington. Rather, it was to benefit the groups the Founders represented, the “economic interests they understood and felt in concrete, definite form through their own personal experience.

Life gives us nothing outright. It only lends. Nothing is ours to keep. Absolutely nothing. Not even our bodies, our brains. This ‘self’ that we think we know so well, that we think of as us. It is only on loan. If a person comes into our life, they will go again. In a parting of ways, or because everyone dies. They will die or you will die. Nothing we receive in this life are we

The math is revealing. The typical American with a $50,000 annual income would normally have an $850 house payment and a $495 car payment, with an additional $180 payment on the second car. Then there is a $165 student-loan payment; and the average credit-card debt is about $12,000, making those monthly payments around $185 per month. Also, this typical household will have other miscellaneous debt on things like furniture, stereos, or personal loans on which they pay an additional $120. All these payments total $1,995 per month. If this family were to invest that instead of sending it to the creditors, they would be cash mutual-fund millionaires in just fifteen years! (After fifteen years, it gets really exciting. They’ll have $2 million in five more years, $3 million in three more years, $4 million in two and a half more years, and $5.5 million in two more years. So they will have $5.5 million after twenty-eight years.) Keep in mind, this is with an average income, which means many of you make more than this!

I have often witnessed this at hospital billing counters, where salaried or reasonably well to do people typically have a health insurance to take care of their bills, while a common man loses out. In such a pesky situation, these commoners are compelled to either take loans or sell their personal assets to be able to afford a reasonable medical treatment. Lack of home insurance has always been another concern. People lose out on their entire life’s savings when their homes get whisked away due to calamities.

The prevailing wisdom today is that any candidate in a standard-brand, two-party election will get about 40 percent of the vote. The root assumption here is that neither party would nominate a man more than 20 percent different from the type of person most Americans consider basically right and acceptable. Which almost always happens. There is no potentially serious candidate in either major party this year who couldn’t pass for the executive vice-president for mortgage loans in any hometown bank from Bangor to San Diego.

The math is revealing. The typical American with a $50,000 annual income would normally have an $850 house payment and a $495 car payment, with an additional $180 payment on the second car. Then there is a $165 student-loan payment; and the average credit-card debt is about $12,000, making those monthly payments around $185 per month. Also, this typical household will have other miscellaneous debt on things like furniture, stereos, or personal loans on which they pay an additional $120. All these payments total $1,995 per month. If this family were to invest that instead of sending it to the creditors, they would be cash mutual-fund millionaires in just fifteen years! (After fifteen years, it gets really exciting. They’ll have $2 million in five more years, $3 million in three more years, $4 million in two and a half more years, and $5.5 million in two more years. So they will have $5.5 million after twenty-eight years.) Keep in mind, this is with an average income, which means many of you make more than this! If you are thinking that you don’t have that many payments so your math won’t work, you missed the point. If you make $50,000 and have fewer payments, you have a head start, since you already have more control of your income than most people.

TZEDAKAH is a Hebrew word commonly translated as “charity.” One Jewish leader described tzedakah as having eight levels of charitable giving. The eighth and highest level of giving is described like this: “The highest form of charity is to help sustain a person before they become impoverished by offering a substantial gift in a dignified manner, or by extending a suitable loan, or by helping them find employment or establish themselves in business so as to make it unnecessary for them to become dependent on others.” Serve others in a way that helps them become self-reliant (or interdependent) and watch miracles happen for both you and them.

Turns out, I learned a lot from not being able to go to France. Turns out, those days standing on the concrete floor wearing a hairnet, a paper mask and gown, goggles, and plastic gloves, and- with a pair of tweezers- placing two pipe cleaners into a sterile box that came to me down a slow conveyor belt for eight excruciating hours a day taught me something important I couldn't have learned any other way. That job and the fifteen others I had before I graduated college were my own personal "educational opportunities." They changed my life for the better, though it took me a while to understand their worth. They gave me faith in my own abilities. They offered me a unique view of worlds that were both exotic and familiar to me. They kept things in perspective. They pissed me off. They opened my mind to realities I didn't know existed. They forced me to be resilient, to sacrifice, to see how little I knew, and also how much. They put me in close contact with people who could've funded the college educations of ten thousand kids and also with people who would've rightly fallen on the floor laughing had I complained to them about how unfair it was that after I got my degree I'd have this student loan I'd be paying off until I was forty-three. They made my life big. They contributed to an education that money can't buy.

I began to meditate upon the writer’s life. It is full of tribulation. First he must endure poverty and the world’s indifference; then, having achieved a measure of success, he must submit with a good grace to its hazards. He depends upon a fickle public. He is at the mercy of journalists who want to interview him and photographers who want to take his picture, of editors who harry him for copy and tax gatherers who harry him for income tax, of persons of quality who ask him to lunch and secretaries of institutes who ask him to lecture, of women who want to marry him and women who want to divorce him, of youths who want his autograph, actors who want parts and strangers who want a loan, of gushing ladies who want advice on their matrimonial affairs and earnest young men who want advice on their compositions, of agents, publishers, managers, bores, admirers, critics, and his own conscience. But he has one compensation. Whenever he has anything on his mind, whether it be a harassing reflection, grief at the death of a friend, unrequited love, wounded pride, anger at the treachery of someone to whom he has shown kindness, in short any emotion or any perplexing thought, he has only to put it down in black and white, using it as the theme of a story or the decoration of an essay, to forget all about it. He is the only free man.

after a streak, or a series of decisions that go in the same direction, they are more likely to decide in the opposite direction than would be strictly justified. As a result, errors (and unfairness) are inevitable. Asylum judges in the United States, for instance, are 19% less likely to grant asylum to an applicant when the previous two cases were approved. A person might be approved for a loan if the previous two applications were denied, but the same person might have been rejected if the previous two applications had been granted. This behavior reflects a cognitive bias known as the gambler’s fallacy: we tend to underestimate the likelihood that streaks will occur by chance.

They put me in jail. Holy shit. They put me in fucking jail. Call my mother and tell her I love her, call my father and tell him I can’t loan him any more money, call my grandmother and tell her she needs to stop day drinking. I am never getting out of this. All right, on the plus side, it’s not like I’m sitting in a city jail. It’s a hotel holding room, which basically means beige-colored carpet with beige walls and a beige futon. In Vegas, if they put you in beige, you are seriously fucked. No sequins or rhinestones anywhere means I must have done something abominable. Okay. I take three deep breaths, trying to achieve my zone neutrality. Or something. I don’t know! Okay, keep calm, Julia. Maybe they can help. Maybe they can help piece together whatever insane stuff you did last night. Or rather, the weird shit that your David Tennant personality did. On second thought, maybe talking about Doctor Who would be a very bad thing right now. The door opens, and Gray Suit— his name’s actually Todd, but I’m sticking with Gray Suit— enters and sits down in a chair opposite me. “Now Ms. Stevens—” “I’m not going to prison,” I blurt out. “I’m too soft. I watched Orange is the New Black. I don’t want to eat tampon sandwiches.” Gray Suit blinks slowly. “Okay. I’ll bear that in mind.” “Look, what the hell am I even doing here?” I snap. Great, Julia. Get snippy with the authorities. This’ll go down swimmingly. “What is happening?” Gray Suit sighs. “It’s about what you did last night, Ms. Stevens.

One of the less apparent but most profound consequences of domestic electric lighting was the encouragement of reading at home. Increased reading broadened knowledge, stirred new interests, and created a more sophisticated society, especially away from centers of culture, which in turn increased demand for electricity. Persons who had trouble reading by dim fire- or candlelight, and especially young children who could not be left alone to regulate gaslights, could easily and safely read by electric light. Partly for this reason, the Muncie, Indiana, public library loaned out eight times as many books per inhabitant in 1925 as it had in 1890. The cartoon symbol of a light bulb being switched on over someone's head as they achieved new insight was firmly grounded in reality.

It seems paradoxical that an organization responsible for enforcing the law would frequently rely on illegal practices. The police resolve this tension between nominally lawful ends and illegal means by substituting their own occupational and organizational norms for the legal duties assigned to them. Westley suggests: This process then results in a transfer in property from the state to the colleague group. The means of violence which were originally a property of the state, in loan to its law-enforcement agent, the police, are in a psychological sense confiscated by the police, to be conceived of as a personal property to be used at their discretion. From the officers’ perspective, the center of authority is shifted and the relationship between the state and its agents is reversed. The police become a law unto themselves.

I was stunned that China is becoming more like America used to be, while America is becoming more like China used to be. Even more frustrating, they’re doing it by emulating the free-market, entrepreneurial capitalism that made America great, even as we seem to be abandoning it. While America’s infrastructure crumbles, China is busy building roadways, bridges, airports, and utility systems. China is still a Communist-governed country, and we’re still a constitutional republic, but they are allowing more and more free enterprise and personal ownership. Meanwhile, we’re watching our government take away land rights and personal and religious freedoms at a stunning rate. I certainly don’t want what still remains of Chinese communism, but maybe we could loan them our Constitution. It doesn’t appear that we’re using it much these days anyhow.

If all the bank loans were paid, no one could have a bank deposit, and there would not be a dollar of coin or currency in circulation. This is a staggering thought. We are completely dependent on the commercial Banks. Someone has to borrow every dollar we have in circulation, cash or credit. If the Banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless position is almost incredible, but there it is. It is the most important subject intelligent persons can investigate and reflect upon. It is so important that our present civilization may collapse unless it becomes widely understood and the defects remedied very soon.”   Robert H Hemphill, credit manager of Federal Reserve Bank of Atlanta, 1934

Golden Rule #17 Don’t mine stone with your bare hands. Long, long ago, there was a noob named Steven. He harvested wood with his bare hands because he thought using tools was a waste of resources. Why reduce tool durability? Why bother crafting axes at all? Steven’s hands had no durability, as far as he knew. Even if it took him longer to chop down trees this way, he could save materials. He could punch and punch all day and never waste any crafting tools. Steven was the kind of guy who, after loaning his best friend a wooden sword six months earlier, would ask for exactly one stick and two oak planks to be returned. Once, Steven and two friends bought a cake together. The cake cost six emeralds and was cut into six slices. That meant each person had to pay two emeralds. However, one of Steven’s cake slices was slightly smaller than the rest, so he argued that he should have to pay only 1.75 emeralds instead.

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.

if all money comes into existence through loans, with the returning of those loans removing the money from the money supply, where does the money to pay the interest come from? To better understand the question, consider a small island with 100 inhabitants. They have a bank that creates and loans money. Let’s assume each person gets a $100 loan. This means $10,000 has been created as the island’s total money supply. Everyone then buys goods and services, exchanging this money with each other, generating economic activity. This $10,000 in loans could then technically be returned to the bank, fulfilling the society’s loan obligations, removing all money from existence. However, if interest is charged, more money needs to be returned than actually exists. If each of those $100 loans required has a 10 percent interest fee, then while the total money supply is still $10,000, the actual value owed back to the bank is actually $11,000. So where does that extra $1,000 come from?

The Proofs Human society has devised a system of proofs or tests that people must pass before they can participate in many aspects of commercial exchange and social interaction. Until they can prove that they are who they say they are, and until that identity is tied to a record of on-time payments, property ownership, and other forms of trustworthy behavior, they are often excluded—from getting bank accounts, from accessing credit, from being able to vote, from anything other than prepaid telephone or electricity. It’s why one of the biggest opportunities for this technology to address the problem of global financial inclusion is that it might help people come up with these proofs. In a nutshell, the goal can be defined as proving who I am, what I do, and what I own. Companies and institutions habitually ask questions—about identity, about reputation, and about assets—before engaging with someone as an employee or business partner. A business that’s unable to develop a reliable picture of a person’s identity, reputation, and assets faces uncertainty. Would you hire or loan money to a person about whom you knew nothing? It is riskier to deal with such people, which in turn means they must pay marked-up prices to access all sorts of financial services. They pay higher rates on a loan or are forced by a pawnshop to accept a steep discount on their pawned belongings in return for credit. Unable to get bank accounts or credit cards, they cash checks at a steep discount from the face value, pay high fees on money orders, and pay cash for everything while the rest of us enjoy twenty-five days interest free on our credit cards. It’s expensive to be poor, which means it’s a self-perpetuating state of being. Sometimes the service providers’ caution is dictated by regulation or compliance rules more than the unwillingness of the banker or trader to enter a deal—in the United States and other developed countries, banks are required to hold more capital against loans deemed to be of poor quality, for example. But many other times the driving factor is just fear of the unknown. Either way, anything that adds transparency to the multi-faceted picture of people’s lives should help institutions lower the cost of financing and insuring them.

Tom, will you let me love you in your restaurant? i will let you make me a sandwich of your invention and i will eat it and call it a carolyn sandwich. then you will kiss my lips and taste the mayonnaise and that is how you shall love me in my restaurant. Tom, will you come up to my empty beige apartment and help me set up my daybed? yes, and i will put the screws in loosely so that when we move on it, later, it will rock like a cradle and then you will know you are my baby Tom, I am sitting on my dirt bike on the deck. Will you come out from the kitchen and watch the people with me? yes, and then we will race to your bedroom. i will win and we will tangle up on your comforter while the sweat rains from your stomachs and foreheads. Tom, the stars are sitting in tonight like gumball gems in a little girl’s jewlery box. Later can we walk to the duck pond? yes, and we can even go the long way past the jungle gym. i will push you on the swing, but promise me you’ll hold tight. if you fall i might disappear. Tom, can we make a baby together? I want to be a big pregnant woman with a loved face and give you a squalling red daughter. no, but i will come inside you and you will be my daughter Tom, will you stay the night with me and sleep so close that we are one person, no, but i will lay down on your sheets and taste you. there will be feathers of you on my tongue and then I will never forget you Tom, when we are in line at the convenience store can I put my hands in your back pockets and my lips and nose in your baseball shirt and feel the crook of your shoulder blade? no, but later you can lay against me and almost touch me and when i go i will leave my shirt for you to sleep in so that always at night you will be pressed up against the thought of me. Tom, if I weep and want to wait until you need me will you promise that someday you will need me? no, but i will sit in silence while you rage. you can knock the chairs down any mountain. i will always be the same and you will always wait. Tom, will you climb on top of the dumpster and steal the sun for me? It’s just hanging there and I want it. no, it will burn my fingers. no one can have the sun: it’s on loan from god. but i will draw a picture of it and send it to you from richmond and then you can smooth out the paper and you will have a piece of me as well as the sun Tom, it’s so hot here, and I think I’m being born. Will you come back from Richmond and baptise me with sex and cool water? i will come back from richmond. i will smooth the damp spiky hairs from the back of your wet neck and then i will lick the salt off it. then i will leave Tom, Richmond is so far away. How will I know how you love me? i have left you. that is how you will know

Peugeot belongs to a particular genre of legal fictions called ‘limited liability companies’. The idea behind such companies is among humanity’s most ingenious inventions. Homo sapiens lived for untold millennia without them. During most of recorded history property could be owned only by flesh-and-blood humans, the kind that stood on two legs and had big brains. If in thirteenth-century France Jean set up a wagon-manufacturing workshop, he himself was the business. If a wagon he’d made broke down a week after purchase, the disgruntled buyer would have sued Jean personally. If Jean had borrowed 1,000 gold coins to set up his workshop and the business failed, he would have had to repay the loan by selling his private property – his house, his cow, his land. He might even have had to sell his children into servitude. If he couldn’t cover the debt, he could be thrown in prison by the state or enslaved by his creditors. He was fully liable, without limit, for all obligations incurred by his workshop. If you had lived back then, you would probably have thought twice before you opened an enterprise of your own. And indeed this legal situation discouraged entrepreneurship. People were afraid to start new businesses and take economic risks. It hardly seemed worth taking the chance that their families could end up utterly destitute. This is why people began collectively to imagine the existence of limited liability companies. Such companies were legally independent of the people who set them up, or invested money in them, or managed them. Over the last few centuries such companies have become the main players in the economic arena, and we have grown so used to them that we forget they exist only in our imagination.

In their ongoing war against evil capitalists, some vengeful Democrats have their eyes on banks, which they blame for making millions of loans that resulted in foreclosures and the 2008 financial crisis. Never mind that it was progressives who forced the government to make these loans to low-income borrowers with poor credit ratings through the Community Reinvestment Act and anti-discrimination laws. They promoted minority home ownership without regard to the owners’ ability to repay, and the result was catastrophic. But being a leftist means never having to say you’re sorry—just pass a misguided policy and blame everyone else when it predictably fails. Democratic Rep. Maxine Waters, emboldened by Democrats recapturing control of the House, issued a stern warning to bankers before the 2019 session began. “I have not forgotten” that “you foreclosed on our houses,” she said, and “had us sign on the line for junk and for mess that we could not afford. I’m going to do to you what you did to us.”62 How’s that for good governance—using her newfound power as incoming chairwoman of the House Financial Services Committee to punish bank executives for the disaster she and her fellow Democrats caused? Waters is also targeting corporations for allegedly excluding minorities and women from executive positions. Forming a new subcommittee on diversity and inclusion, she immediately held a hearing to discuss the importance of examining the systematic exclusion of women, people of color, persons with disabilities, gays, veterans, and other disadvantaged groups.63 Why concentrate on policies to stimulate economic growth and improve people’s standards of living when you can employ identity politics to demonize your opponents?

Everything and Nothing* There was no one inside him; behind his face (which even in the bad paintings of the time resembles no other) and his words (which were multitudinous, and of a fantastical and agitated turn) there was no more than a slight chill, a dream someone had failed to dream. At first he thought that everyone was like him, but the surprise and bewilderment of an acquaintance to whom he began to describe that hollowness showed him his error, and also let him know, forever after, that an individual ought not to differ from its species. He thought at one point that books might hold some remedy for his condition, and so he learned the "little Latin and less Greek" that a contemporary would later mention. Then he reflected that what he was looking for might be found in the performance of an elemental ritual of humanity, and so he allowed himself to be initiated by Anne Hathaway one long evening in June. At twenty-something he went off to London. Instinctively, he had already trained himself to the habit of feigning that he was somebody, so that his "nobodiness" might not be discovered. In London he found the calling he had been predestined to; he became an actor, that person who stands upon a stage and plays at being another person, for an audience of people who play at taking him for that person. The work of a thespian held out a remarkable happiness to him—the first, perhaps, he had ever known; but when the last line was delivered and the last dead man applauded off the stage, the hated taste of unreality would assail him. He would cease being Ferrex or Tamerlane and return to being nobody. Haunted, hounded, he began imagining other heroes, other tragic fables. Thus while his body, in whorehouses and taverns around London, lived its life as body, the soul that lived inside it would be Cassar, who ignores the admonition of the sibyl, and Juliet, who hates the lark, and Macbeth, who speaks on the moor with the witches who are also the Fates, the Three Weird Sisters. No one was as many men as that man—that man whose repertoire, like that of the Egyptian Proteus, was all the appearances of being. From time to time he would leave a confession in one corner or another of the work, certain that it would not be deciphered; Richard says that inside himself, he plays the part of many, and Iago says, with curious words, I am not what I am. The fundamental identity of living, dreaming, and performing inspired him to famous passages. For twenty years he inhabited that guided and directed hallucination, but one morning he was overwhelmed with the surfeit and horror of being so many kings that die by the sword and so many unrequited lovers who come together, separate, and melodiously expire. That very day, he decided to sell his theater. Within a week he had returned to his birthplace, where he recovered the trees and the river of his childhood and did not associate them with those others, fabled with mythological allusion and Latin words, that his muse had celebrated. He had to be somebody; he became a retired businessman who'd made a fortune and had an interest in loans, lawsuits, and petty usury. It was in that role that he dictated the arid last will and testament that we know today, from which he deliberately banished every trace of sentiment or literature. Friends from London would visit his re-treat, and he would once again play the role of poet for them. History adds that before or after he died, he discovered himself standing before God, and said to Him: I , who have been so many men in vain, wish to be one, to be myself. God's voice answered him out of a whirlwind: I, too, am not I; I dreamed the world as you, Shakespeare, dreamed your own work, and among the forms of my dream are you, who like me, are many, yet no one.

My wife and I have had the joy of working with thousands of college students and have engaged in countless conversations with them about what they’re going to do as they approach graduation. Up to that point, they had felt safe and secure knowing they were simply coming back to campus for another year of school. But now that they were being kicked out of the nest, they felt a strong need to pray, get counsel, pursue options, and make decisions. As I chat with these twenty-one to twenty-five-year olds, I love to pose an unusual question. “If you could do anything with your life, what would you want to do? Just for a moment, free your mind from school loans or parents’ wishes or boyfriend pressure. Put no constraints or parameters on it. Write down what you would love to do with your life if you got to choose.” There are many things in life that will catch your eye, but only a few will catch your heart. Pursue those! Most have never allowed their mind or heart to think that broadly or freely. They’ve been conditioned to operate under some set of exterior expectations or self-imposed limitations. A few have sat there so long staring at that blank sheet, I thought they might pass out! They finally get an inspirational thought, and begin enthusiastically scribbling something. They finish with a smile, pass it over to me, and I take a look. Nine out of ten times I pass it back to them, look deep into their eyes and quietly say, “Go do this.” There is a reason they feel so excited about the specific direction, cause, or vocation they wrote down. It’s because God is the One who put it in their heart. “Delight yourself in the LORD; and He will give you the desires of your heart” (Psalm 37:4). “Are you delighting yourself in the Lord?” I ask the graduating senior. “I am certainly seeking to,” they reply. “Well then,” I respond, “you’ve just written down the desires of your heart. So, go for it.” Too simplistic or idealistic? I probably do have a more “wide-open” view of helping a person discover God’s direction for their life, but I believe this exercise strikes at the core of understanding what each of us were designed to do.

told my people that I wanted only the best, whatever it took, wherever they came from, whatever it cost. We assembled thirty people, the brightest cybersecurity minds we have. A few are on loan, pursuant to strict confidentiality agreements, from the private sector—software companies, telecommunications giants, cybersecurity firms, military contractors. Two are former hackers themselves, one of them currently serving a thirteen-year sentence in a federal penitentiary. Most are from various agencies of the federal government—Homeland Security, CIA, FBI, NSA. Half our team is devoted to threat mitigation—how to limit the damage to our systems and infrastructure after the virus hits. But right now, I’m concerned with the other half, the threat-response team that Devin and Casey are running. They’re devoted to stopping the virus, something they’ve been unable to do for the last two weeks. “Good morning, Mr. President,” says Devin Wittmer. He comes from NSA. After graduating from Berkeley, he started designing cyberdefense software for clients like Apple before the NSA recruited him away. He has developed federal cybersecurity assessment tools to help industries and governments understand their preparedness against cyberattacks. When the major health-care systems in France were hit with a ransomware virus three years ago, we lent them Devin, who was able to locate and disable it. Nobody in America, I’ve been assured, is better at finding holes in cyberdefense systems or at plugging them. “Mr. President,” says Casey Alvarez. Casey is the daughter of Mexican immigrants who settled in Arizona to start a family and built up a fleet of grocery stores in the Southwest along the way. Casey showed no interest in the business, taking quickly to computers and wanting to join law enforcement. When she was a grad student at Penn, she got turned down for a position at the Department of Justice. So Casey got on her computer and managed to do what state and federal authorities had been unable to do for years—she hacked into an underground child-pornography website and disclosed the identities of all the website’s patrons, basically gift-wrapping a federal prosecution for Justice and shutting down an operation that was believed to be the largest purveyor of kiddie porn in the country. DOJ hired her on the spot, and she stayed there until she went to work for the CIA. She’s been most recently deployed in the Middle East with US Central Command, where she intercepts, decodes, and disrupts cybercommunications among terrorist groups. I’ve been assured that these two are, by far, the best we have. And they are about to meet the person who, so far, has been better. There is a hint of reverence in their expressions as I introduce them to Augie. The Sons of Jihad is the all-star team of cyberterrorists, mythical figures in that world. But I sense some competitive fire, too, which will be a good thing.

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at the seat. Instead of blowing his top, he picked me up in his arms and said, "You did it?" I nodded, "Yes I did it!" "But, look son." He tried to explain, "I can't go out with a bottomless pajama — I am a man". I whispered, "And so am I". He just stared, and embraced me. And from that day I got proper pajamas to wear. Dad was a great friend, a very understanding and loving person. Time flies fast — my father's leave was almost over, but the construction work still remained incomplete. He had to go back to Amritsar to resume his duties, and my mother badly needed more money. Two days before his departure he took a loan of Rs. 1,500 from a friend, a Zargar (ornament maker), to somehow finish the construction work, and mortgaged our part of the haveli for this amount. This Rs. 1,500 brought a lot of trouble and hardship to the family as the interest for the loan went on adding. My father resigned his job as a postman and searched for a new clerical job. He did his best to pay off the loan; he but could not. Destiny's smile had changed into a fearsome frown. Soon my little sister Guro was born. While my father slogged in Amritsar to support the family and pay the monthly interest, my mother and grandmother somehow managed to survive. I fell sick, very very sick and the chubby child was soon a bundle of bones. The fair skin was tarnished and looked quite dusky. The handsome Kidar Nath became an ugly urchin. Lack of nourishment also made me a dull boy. The only thought that kept me alive was that my father was my best friend, and that I must stand by my best friend and help him to surmount his difficulties. Having found a tenant for the rebuilt Haveli, we all moved to Amritsar. Across our house lived a shop-keeper known for being a miser. He called a carpenter to fix the main door to his dwelling, because the top of the frame had cracked. A robust argument ensued because the shop-keeper would pay only half a rupee, while the carpenter wanted one. His reason being that an appropriate piece of wood had to be cut to match the area being repaired and then he would have to level the surfaces at a very awkward angle. But the owner was adamant and said, "Just nail the piece of wood, do not level it or do any fancy work, because I shall pay you only half a rupee", as he walked away in a huff.

Every person—including you—has been given a gift by God. Every gift is of immense value, no matter how it might compare to someone else’s gifts. No one got a cheap or valueless gift from God. Every gift has the capacity to multiply (and is meant to do so). The gifts are essentially “on loan,” meant to be stewarded.

How do you do it?" Jed asked. "Oh, Miss Fowler loaned me Arnold Bennett's book, How to Live on Twenty-four Hours a Day." But then, because she could really talk with Jed, she grew serious. "I filled my winter up in a sort of desperation. I just couldn't seem to face it that I wasn't going to college." They were having cocoa in front of the coal stove after a skating expedition. Jed looked at her with a puzzled expression. "What made you feel so badly about not going to college?" "I love to learn." "But you certainly haven't stopped learning." "I'd like to be - a really cultured person." "Well, you're certainly on the way to being. And Emily - it's a good thing for the Syrians of Deep Valley that you didn't go to college." Her eyes filled with tears. Jed reached over and patted her hand. "Speaking of Syrians, that board meeting's coming up Friday night. May I call for you? Miss Bangeter has asked me to present our case, but if I run into difficulties I'll turn to you like Jerry Sibley did before the St. John game.

So Medtronic adjusted not only its marketing efforts, but also the services it provided to directly target potential patients. For example, in conjunction with local cardiologists, Medtronic organized heart-health screening clinics across the country—providing prospective patients with free, direct access to specialists and high-tech equipment without having to go through an overwhelmed GP first. The question of paying for a pacemaker and the attendant medical services was no small concern. So Medtronic created a loan program to help patients pay for the pacemaker procedure. The company initially assumed that patients might be drawn to loans that actually expired upon the patient’s death, so that they were not saddling the family with the burden of debt—the emotional and social component of their Job to Be Done. And, as the Medtronic team learned from patients themselves, that was what they often wanted. But friends and family wanted something different: they tended to rally around a patient to find the money necessary. In those cases, the patient was more likely simply to need a bridge loan until those funds could be gathered. Medtronic made sure that the loan process was not daunting for the family: a loan is typically approved within two days, requiring minimum paperwork and entailing no asset mortgage. The experience of navigating the complex web of health care in India could be overwhelming for both patients and their families. So the company began to work with local hospitals to create a patient counselor role, initially calling them “Sherpas,” that helped patients navigate the often mind-boggling bureaucracy of a hospital, keeping their procedure and aftercare as top priorities. The patient counselor role became so popular that hospitals asked if the company would allow patients obtaining pacemakers through traditional routes to seek assistance from a counselor, too. Seeing an opportunity to further identify Jobs to Be Done from within the hospital system, Medtronic jumped at the chance. “At the end of the day, we realized the role was such an important position, we adjusted the role. And we were OK with it,” Monson recalls. “It ingrained the value of that person into the entire hospital system, and thus our business model. And it made us the partner of choice. To me that was a clear example of hitting a Job to Be Done.” The first Medtronic pacemaker distributed through the Healthy Heart for All (HHFA) program in India was implanted in late 2010. Medtronic currently has partnerships with more than one hundred hospitals in thirty cities. India is considered to be one of the most high-potential growth markets for the company.

Slightly older than the Millennials are the people who have gotten a professional degree and, several years into the field, wake up one day and realize they’ve made a terrible mistake. Law, or accounting, or medicine, or whatever was not for them! Often they’ve got significant school loans to pay off, so they feel trapped. They know they can’t stay where they are, but they can’t afford to just walk away from it. What should they do?

Focusing only on the short term puts us in a position to make bad choices. We ignore all other factors that lead to the overall value of the loan in order to achieve that one singular goal now—whether the goal is a lower payment, a lower interest rate, or a dream home. In the long term, this always proves to be costly.

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.

He’d told me, back when we first met, that I was the embodiment of everything he wished he could be. Setting out in a car by myself, working my way through school, self-made. But as I’d told him back then, you have to come from nothing to have that chance. You have to pay your debts. “Yeah, well, I have ten years’ worth of loans,” I’d said. Sometimes I wondered if, when we got married, he would pay them off. If that would make me a different person. If he’d like me quite as much.

We tend to compartmentalize our debt: categorizing our mortgage debt as one kind of debt, installment loans as another, and credit cards as still another. Most treat all person (consumer) debt separately from mortgage debt. The fact is that debt is debt. All of it is owed and has to be paid back!

But a U-boat, like any other ship, is just so much cold metal until her crew comes aboard. Then each man in the crew loans her a little piece of his soul to keep as long as he serves in her — and often longer if she’s a good ship. These little pieces all added together make up the soul of the ship, bring her to life, give her personality, and make her a member of the seagoing community of ships.

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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

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terms. The net effect is that I have created $30,000 in my asset column for which I am paid interest, just like a bank gets paid interest for the loans it makes. I was beginning to be a bank, and I loved it. Remember that rich dad said, “Be careful when you take on debt. If you take on debt personally, make sure it’s small. If you take on large debt, make sure someone else is paying for it.” In the language of the B and I side, I “laid off” my risk, or “hedged” my risk to another buyer. That is the game in the world of finance. This type of transaction is done all over the world. Yet wherever I go, people come up to me and say those magic words: “You can’t do that here.” What most small investors fail to realize is that many large commercial buildings are bought and sold exactly in the manner described above. Sometimes they go through a bank, but many times

A peasant—a small landowner—resides on a small plot of privately owned lands, and engages in subsistence farming.25 As his margins of profit are slim, he can go into debt for any number of reasons: personal illness, crop failure, taxation, or the monopoly of resources by the state or private elite. His first line of recourse is to procure a loan, which he can only get at high interest. The high interest renders him insolvent, so he is forced to sell or deliver family members into debt-slavery, to pay off the debt (see 2 Kgs 4:1–7; Neh 5:1–13). When this does not secure the means to pay off the debt, he has to resort to relinquishing or selling his own land (Neh 5:1–13)—his means of production—and, finally, to selling himself. Thus, he is compelled to enter the service of the state or some arrangement of feudal sharecropping for the landowning elite.26

In Towcester he listened to Thomas Skinner. Skinner was a Dissenter called a Baptist. One of the ways Baptists differed from other denominations was that they did not believe infants should be baptized. They believed only a person who could make a mature judgment should be baptized. That ordinance about baptism was the source of their name. Thomas Skinner loaned Willy a book by Robert Hall called Help to Zion’s Travellers.

Faith is like a pockpocket who loans a person his own money on generous terms.

They draw statistical correlations between a person’s zip code or language patterns and her potential to pay back a loan or handle a job. These correlations are discriminatory, and some of them are illegal.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

BROADCAST HISTORY: 1935–36, WMCA, New York (premiere date March 31, 1935). Sept. 20–Dec. 20, 1936, NBC. 60m, Sundays at 8. Chase and Sanborn. HOST: A. L. Alexander. Goodwill Court offered legal help to the poor, long before such terms as “legal aid” became common. The subjects were simply required to come before an NBC microphone and tell their stories to the nation. Their identities were protected, and they were ever under the eye of mediator A. L. Alexander, lest profanity or the name of an actual person slip out over the the air. The people told of marital trouble, of garnished wages and loan sharks, of all the little tragedies common to the average listener. It made compelling radio for its day.

Page 44: A Chinese immigrant arriving in Bangkok is assured of ready assistance from his dialect group, and this help is offered without question by people who speak his own language and know his needs. Through them, he is put in contact with relatives or persons from his own village in China. They see that he is housed and given work. Later the association stands always ready to give help when needed—to offer advice on sending remittances to China, to provide interpreters when dealing with officials, and to intercede when the immigrant runs afoul of the government’s red tape. Like the prototype institutions of China, the dialect association provides educational and medical facilities—more elaborate in fact than anything available in the rude villages of South China, and a continuing system of protective services in times of crisis or misfortune. In Thailand the individual Chinese who needs a loan, a job, or help of any kind will ordinarily appeal to his relatives first as he would in China. When these are unable to help, he can usually get assistance from his dialect association. While the type of problem brought to the attention of the dialect association may differ from problems faced in China, the fact remains that the association stands ready to help the individual Chinese in precisely the same manner and with the same spirit as he would expect from his clan group in China. Furthermore, just as everyone with the same surname and family origin was considered a member of the clan in China and therefore entitled to assistance from other members, so in Thailand all persons of a certain dialect groups are considered ipso facto members of the dialect association and thereby entitled to its full assistance.

To fill this gap in the capital market, Davis and Rock set themselves up as a limited partnership, the same legal structure that had been used by a short-lived rival called Draper, Gaither & Anderson.[18] Rather than identifying startups and then seeking out corporate investors, they began by raising a fund that would render corporate investors unnecessary. As the two active, or “general,” partners, Davis and Rock each seeded the fund with $100,000 of their own capital. Then, ignoring the easy loans to be had from the fashionable SBIC structure, they raised just under $3.2 million from some thirty “limited” partners—rich individuals who served as passive investors.[19] The beauty of this size and structure was that the Davis & Rock partnership now had a war chest seven and a half times larger than an SBIC, and with it the ammunition to supply companies with enough capital to grow aggressively. At the same time, by keeping the number of passive investors under the legal threshold of one hundred, the partnership flew under the regulatory radar, avoiding the restrictions that ensnared the SBICs and Doriot’s ARD.[20] Sidestepping yet another weakness to be found in their competitors, Davis and Rock promised at the outset to liquidate their fund after seven years. The general partners had their own money in the fund, and thus a healthy incentive to invest with caution. At the same time, they could deploy the outside partners’ capital for a limited time only. Their caution would be balanced with deliberate aggression. Indeed, everything about the fund’s design was calculated to support an intelligent but forceful growth mentality. Unlike the SBICs, Davis & Rock raised money purely in the form of equity, not debt. The equity providers—that is, the outside limited partners—knew not to expect dividends, so Davis and Rock were free to invest in ambitious startups that used every dollar of capital to expand their business.[21] As general partners, Davis and Rock were personally incentivized to prioritize expansion: they took their compensation in the form of a 20 percent share of the fund’s capital appreciation. Meanwhile, Rock was at pains to extend this equity mentality to the employees of his portfolio companies. Having witnessed the effect of employee share ownership on the early culture of Fairchild, he believed in awarding managers, scientists, and salesmen with stock and stock options. In sum, everybody in the Davis & Rock orbit—the limited partners, the general partners, the entrepreneurs, their key employees—was compensated in the form of equity.

But we were still way short when I went to see Tom Deane at Bank of America. I presented my case; and—on the spot (!)—he loaned me the money on our (Alice’s and mine) personal signatures. Years later, I asked him how he had been so ballsy. “It’s simple,” he replied. “Rexall was on Pronto’s leases, and I figured they wouldn’t let you go bankrupt.

It’s like one big lending library out there. A piece of what was once a star or something, a flower or a willow tree, when it is finished bein’ that might be loaned away an’ become a fish or a person’s fingernail or evaporate into the sky and be a rainbow. That the—what did he call ’em?—stuff that makes your atoms up an’ mine, that stuff mixed up a little different is the sum of all the stuff that’s in existence.

The former head of this operation, Gary Wendt, who is credited with much of the enormous success of GEFS, used his personal agenda as a simple but inordinately powerful tool for growing the business into ever new entrepreneurial arenas. Over the years, he used his personal agenda to make it unequivocally clear that he expected entrepreneurial business growth from every member of management. At every major meeting, the topic of business development was on the agenda (usually in the number one spot). In every annual review, managers were asked to demonstrate the revenues they had created from businesses that did not exist five years before. From division heads to newly hired analysts, everyone was held accountable for some set of activities having to do with creating entrepreneurial revenue and profit streams. In short, no one who worked in the organization could avoid the unremitting focus on new business development. You need to make sure that you are similarly consistent, predictable, and focused, and that you sustain this emphasis over a long period. Pressure applied only once is soon forgotten, and alternating pressure (as in flavor-of-the-month management) will cause people to be confused, disillusioned, or angry. Wendt’s consistent, visible, and predictable attention to business development created a pressure in GEFS for entrepreneurial business growth that took it from the $300 million installment loan portfolio we looked at in chapter 6 to a financial services behemoth with $250 billion in assets under management when he left in 1998. Examples of Wendt’s single-minded determination to drive growth through entrepreneurial transformation at GEFS are numerous. Years ago, for instance, he was asked whether his agenda would change if someone rushed in and told him that the computer room was on fire (implying that his business could be completely destroyed). Wendt replied that he employed firefighters to handle such emergencies. As the leader, his most important job was to keep people focused on business development. Since business development is an uncomfortable and unpredictable process, Wendt knew that if he allowed it to appear to be a low priority for him, all those working for him would heave a sigh of relief and go back to business as usual, with new businesses struggling to find a place on the priority list. In fact, as he remarked, even if he did try to get involved in putting out the fire, he would probably only interfere with the efforts of the highly competent people employed to do so.

One probable near-term outcome of AI and a through-line in all three of the scenarios is the emergence of what I’ll call a “personal data record,” or PDR. This is a single unifying ledger that includes all of the data we create as a result of our digital usage (think internet and mobile phones), but it would also include other sources of information: our school and work histories (diplomas, previous and current employers); our legal records (marriages, divorces, arrests); our financial records (home mortgages, credit scores, loans, taxes); travel (countries visited, visas); dating history (online apps); health (electronic health records, genetic screening results, exercise habits); and shopping history (online retailers, in-store coupon use). In China, a PDR would also include all the social credit score data described in the last chapter.

We lobbied Congress, and the idea of boosting this sector in U.S. manufacturing caught on. Congress secured our loan guarantees, significantly reducing our cost of capital. Ingalls Shipbuilding in Pascagoula, Mississippi, won the contract and began refurbishing our first ship. It was scheduled to begin service by late 2002, and the second ship was slated for 2004. The scenario positioned American Classic for a great decade of growth. Then September 11 happened. Since American Classic’s business was predicated on passengers flying to Hawaii to access our ships, the virtual halt in leisure air travel sank the company. Our shares plummeted, and American Classic was delisted. Our shareholders lost millions, as did the shipbuilders. I personally lost about $100 million. I’d taken the risk, but circumstances beyond my control intervened. It happens.

Double-entry accounting was popularized in Europe toward the end of the fifteenth century, and most scholars believe it set the table for the flowering of the Renaissance and the emergence of modern capitalism. What is far less well understood is the why. Why was something as dull as bookkeeping so integral to a complete cultural revolution in Europe? Over nearly seven centuries, “the books” have become something that, in our collective minds, we equate with truth itself—even if only subconsciously. When we doubt a candidate’s claims of wealth, we want to go to his bank records—his personal balance sheet. When a company wants to tap the public markets for capital, they have to open their books to prospective investors. To remain in the market, they need accountants to verify those books regularly. Well-maintained and clear accounting is sacrosanct. The ascendance of bookkeeping to a level equal to truth itself happened over many centuries, and began with the outright hostility European Christendom had to lending before double-entry booking came along. The ancients were pretty comfortable with debt. The Babylonians set the tone in the famous Code of Hammurabi, which offered rules for handling loans, debts, and repayments. The Judeo-Christian tradition, though, had a real ax to grind against the business of lending. “Thou shalt not lend upon usury to thy brother,” Deuteronomy 23:19–20 declares. “In thee have they taken gifts to shed blood; thou hast taken usury and increase, and thou hast greedily gained of thy neighbors by extortion, and hast forgotten me, saith the Lord God,” Ezekiel 22:12 states. As Christianity flourished, this deep anti-usury culture continued for more than a thousand years, a stance that coincided with the Dark Ages, when Europe, having lost the glories of ancient Greece and Rome, also lost nearly all comprehension of math. The only people who really needed the science of numbers were monks trying to figure out the correct dates for Easter.

That a member of the clergy took an interest in double-entry bookkeeping was important, because Pacioli’s method helped the merchants overcome the church’s disdain for usury. The merchants had to prove to the church that their businesses were not, in fact, sinful, that they provided a benefit to mankind. During the Middle Ages, writes author James Aho, “the very thought that a person might be profit-hungry and yet Christian was an outrage.” Double-entry accounting, completely unintentionally, provided a way around this. How? The answer lies in the Book of Revelations, Christianity’s tale of a final reckoning, where it is said: And I saw the dead, small and great, stand before God; and the books were opened; and another book was opened, which is the book of life; and the dead were judged out of those things which were written in the books, according to their works. Interpretation: The dead stand before God and open their book. Then God opens his book. The second book. You might call this, oh, double bookkeeping. “Whosoever was not found written in the book of life was cast into the lake of fire.” Through a simple method of accounting, the merchant class was able to perform a trick that had eluded them for a millennium: making it acceptable to engage in the business of making loans. Double-entry bookkeeping, Aho writes, “was itself complicit in the invention of a new ‘field of visibility’: the Christian merchant.

I’d heard of them but had never actually seen one in person. I went to look at it, and it was a perfect combination of my music background and technical background and I ended up buying it. I actually got a loan from the Credit Union at Lockheed for it, and I also ended up buying a Teac 3340 reel-to-reel 4-track recorder.

Poland’s political volatility made it a more attractive candidate for a monopoly.8 From the moment Torsten arrived, Polish officials faced so many crises that the right person would be able to slip them a match monopoly without much scrutiny. The government was in chaos. The final borders of the Second Polish Republic had been established two years earlier, and the new constitution just a year before that. The reborn interbellum Poland was fractured into competing sects. President Gabriel Narutowicz had been assassinated in late 1922, and the country had sworn in four different prime ministers that year (and another two the following year). At first, it wasn’t even clear to Torsten which officials he should approach, or who was in charge. Then, through the bedlam, Torsten met Dr Marjam Glowacki, a senior finance ministry official. The two men immediately bonded and became friends. Torsten appeared to be a distinguished businessman with extensive experience in international finance. Their talks moved quickly. Dr Glowacki saw that a significant loan from International Match could resolve many of the country’s humanitarian and fiscal needs. Even a few million dollars would greatly assist Polish reparations from the world war.

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As Durant explored the Poland deal, though, he realized that its terms were uncertain as well. It wasn’t even clear how Ivar would get the money to Poland, or even whether it already was there. Had Ivar personally loaned Poland 6 million dollars? Would the money come from Swedish Match? Or perhaps another of Ivar’s rapidly multiplying subsidiaries? Durant didn’t yet know about Continental Investment Corporation, the secret company Ivar and Ernst August Hoffman had set up in Liechtenstein to shelter International Match’s income. Durant wondered whether some of Ivar’s various unnamed subsidiaries – the ones whose balance sheets were hidden from view – might play an important role in Poland. No one knew the answers to these questions, and Ivar said he wouldn’t divulge details until a second, secret deal with Poland was closed.

the duke acted as an unofficial “door opener” for financier David Rowland and his secretive bank for the super-rich in Luxembourg, Banque Havilland S.A. Thanks to Andrew’s royal connections and envoy role, he was able to pitch the bank’s services to potential clients from the ranks of the high-net-worth elite. Rowland even brought Andrew on an official visit to China. In return he had access to a Bombardier Global Express jet and a virtually limitless credit card—Rowland even paid off a £1.5 million loan Andrew owed to his bank.

will tell you something about life that you might or might not know, my young friend. Life gives us nothing outright. It only lends. Nothing is ours to keep. Absolutely nothing. Not even our bodies, our brains. This ‘self’ that we think we know so well, that we think of as us. It is only on loan. If a person comes into our life, they will go again. In a parting of ways, or because everyone dies. They will die or you will die. Nothing we receive in this life are we allowed to keep.

People are like books that are loaned out with blank pages and it’s the job of the world to fill in the story. Maybe that story will get read a page here, paragraph there, a line exchanged on a doorstep with a stranger. With luck most of it will be shared with someone precious. But however many people read whatever part of it – even those who read the same pages – every one of them will come away with a different tale. And no one, save the person it’s about, will read the whole story. Secrets are no sin. They’re the vital glue that binds the narrative of our lives. Written in invisible ink, hidden in cipher, the current of mystery that makes each of us unknowable, that turns us into a question others might wish to ask.

People are like books that are loaned out with blank pages and it’s the job of the world to fill in the story. Maybe that story will get read a page here, paragraph there, a line exchanged on a doorstep with a stranger. With luck most of it will be shared with someone precious. But however many people read whatever part of it – even those who read the same pages – every one of them will come away with a different tale. And no one, save the person it’s about, will read the whole story. Secrets are no sin. They’re the vital glue that binds the narrative of our lives. Written in invisible ink, hidden in cipher, the current of mystery that makes each of us unknowable, that turns us into a question others might wish to ask. “And finally, the book, long or short, complete or incomplete, is returned to its place.” He nodded at the last of the tiny graves. “To a slot in the devouring soil, or the faster appetite of the flames. Some will barely have begun the first line of their story before it ends. But there’s a power in brevity. A short tale can weigh more heavily on the heart than the longest epic. And sometimes a single phrase will echo through eternity.

purchase—using the painting he was about to buy as collateral for the loan. Since a painting is basically worth what the last person paid for it, a bidder could bid almost anything, because the bid itself would raise the intrinsic value of the collateral and thus his borrowing capacity. In scientific terms, this was an innovation akin to the inflating of zeppelins with flammable gases.

CHOOSING CONTENTMENT All that we have comes from God: our spouses, children, families, friends and jobs. That includes our houses, property, furnishings, cars, clothes, family heirlooms and all other personal belongings. God gives us these good gifts for our use and enjoyment. There is nothing wrong with these things, but sometimes our attitudes toward our things can cause problems for us. Throughout history, people have had the desire to get more stuff. But in our culture today, the media shows us how much we don’t have. Because we are exposed to people in different social standings, we can compare what we have to what others have. In previous generations, people compared what they had with their family or neighbors (who probably had similar things); today we have TV shows that portray the lives and belongings of the megarich. When we begin to focus on what others have, we become obsessed with material things. We are tempted to live beyond our means. We become stressed as we work harder and longer in order to buy more stuff. It is easy to wonder why others have more than we do, especially if we’re struggling to keep up with payments on our house, cars and loans. We say, “Other people are just like us, but they have so much more than we do. It’s not fair! Why doesn’t God bless us like he does them? Why should we always have money problems?” Maybe we become upset with our spouse and insist that we should do better than we are doing, or that our children should have the same opportunities that other children have. Jealousy, anger and ambition can eat away at a marriage when we think we should have more than we do. But the stuff we want may not be what God has allotted to us. He has promised that he will provide all that we need but not necessarily all that we want. So one tough spiritual lesson we need to learn as married couples is to shape our wants to match God’s allotment, not the other way around, and to choose, like Paul, to be content whatever our circumstances (see Philippians 4:11). Finding contentment with God’s allotment to us helps ease the stress of getting and spending. It lightens the load of acquiring more and more. And it may help us to grow together as a couple as we learn to enjoy each other’s company without the pressure of reaching for bigger and better toys, vacations, houses or recreational vehicles. When we begin to treasure each other, our hearts will be there also.

As the 1970s drew to a close, and Commodore, Tandy, Altair, and Apple began to emerge from the sidelines, PARC director Bert Sutherland asked Larry Tesler to assess what some analysts were already predicting to be the coming era of “hobby and personal computers.” “I think that the era of the personal computer is here,” Tesler countered; “PARC has kept involved in the world of academic computing, but we have largely neglected the world of personal computing which we helped to found.”41 His warning went largely unheeded. Xerox Corporation’s parochial belief that computers need only talk to printers and filing cabinets and not to each other meant that the “office of the future” remained an unfulfilled promise, and in the years between 1978 and 1982 PARC experienced a dispersal of core talent that rivals the flight of Greek scholars during the declining years of Byzantium: Charles Simonyi brought the Alto’s Bravo text editing program to Redmond, Washington, where it was rebooted as Microsoft Word; Robert Metcalf used the Ethernet protocol he had invented at PARC to found the networking giant, 3Com; John Warnock and Charles Geschke, tiring of an unresponsive bureaucracy, took their InterPress page description language and founded Adobe Systems; Tesler himself brought the icon-based, object-oriented Smalltalk programming language with him when he joined the Lisa engineering team at Apple, and Tim Mott, his codeveloper of the Gypsy desktop interface, became one of the founders of Electronic Arts—five startups that would ultimately pay off the mortgages and student loans of many hundreds of industrial, graphic, and interaction designers, and provide the tools of the trade for untold thousands of others.