Personal Loans 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.

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.

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.

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.

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

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

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

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.

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.

One of the worst outcomes of unemployment is finance; it is really tough for a jobless person to manage their basic need in such situation as they are not having any fixed source of the income. Loan for unemployed is a financial plan that is especially intended to assist unwaged borrowers. With the support of this financial service they can easily access the funds despite of not having a job.

He'd never seen it in person before (the main quarry); it was larger than he'd expected. When he'd first taken an interest, some decades before, following hints of something ancient and significant buried there, he could still make out remnants of the hill that had loaned the town it's name. Now that was gone - not just erased but inverted, to become a great pit. He found tho notable for the demonstration of force it represented. Civilizations rose and fell; what caused them to be remembered was not their contribution to knowledge or culture, not even the size of their empires, but rather how much force they extorted upon the landscape. This was what survived them.

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Realty investing is something you can assist to variety your profile more varied. Putting your cost savings into structures and land can provide you expanded your financial investments over even more sectors besides simply bonds and stocks. Continue reading to find out properly to buy investor. When choosing to purchase realty, make it expert by establishing an LLC. This will assist to shield both you personally and the financial investments that you make in the future. It can likewise provide you tax advantages thanks to your company negotiations. Constantly get a great feel of the neighborhood values resemble. Home loans and rental costs in communities that are regional will provide you a home is worth. Be particular you invest adequate time on business as well as discovering about exactly how it works. You need to budget plan your time invested on various other activities in order to make even more cash over the long run. Ditch the poker night or an additional guilty satisfaction so you have even more time to sharpen your investing abilities. Stick with niches you feel comfy handling. You will discover more success by adhering to a specific market sector. Whether you prepare to flip a residence, purchase or buy a rental home repossession, stay with exactly what you understand for success. Get to understand others in genuine estate market. It can be practical to have a couple of buddies who understand about investing in genuine estate. Troubles with lessees could take in a large amount of time. This presumption is harmful in the genuine estate market and any specific home. Your finest bet is to invest in things that supply a favorable money flow right away. Land near water or in the future. If you buy a home with the objective of leasing it out, be cautious of who you let lease it. If they can not get their cash together at this time, they aren't a trusted bet for you. When thinking about a big factor to consider for buying genuine estate, Area is critical. Consider the location you are deciding to purchase and the possible capacity. Make sure you are a great bookkeeper. You will conserve yourself a significant headache later on if you're excellent accounting now. You can find info about city planning information and various other details that could affect genuine estate values in the future. A growing city that's growing is an excellent financial investment. When attempting to get that next offer, never ever over-leverage yourself. You should keep money on reserve in case the unanticipated expenditures. Begin little with simply one home. Start with a single home and discover as you desire to make use of. Realty is a wonderful method to branch out. There are particular guidelines you need to comprehend. Use this short article when you begin to invest into genuine estate in order to end up being effective in it. Continue reading to discover the right means to invest in luxury condos miami financier. When choosing to invest in genuine estate, make it expert by setting up an LLC. Get to understand others in genuine estate market. It can be valuable to have a couple of pals who understand about investing in genuine estate. Use this post when you begin to invest into genuine estate in order to end up being effective in it.

Life before the Internet sucked. My life as a kid growing up in suburban Michigan consisted of urban sprawl, shopping malls, and bad television (except 30 minutes of Seinfeld every Thursday). Adults told you that educated people followed the news, but most small towns had one mediocre newspaper, and local TV news had cats stuck in trees and house fires. (Thanks, adults.) To learn anything, you had to drive to a bookstore; subscribe to a stack of magazines; or schlep to a library, go through a card catalog, discover a book that someone had already checked out and was overdue, request the book back from that person or order it through interlibrary loan, and wait a few more weeks for the book to come while watching bad sitcoms (Seinfeld notwithstanding) with loud commercials. It was barbaric.

Here’s how it works: If you answer yes to ten or more questions, then you should read this book. If you don’t, then buy it anyway and give it to the coolest person you know. This author needs money to eat her feelings. Does your college degree hang over your head like a rain cloud made of student loans, false hopes,

loan sharking as the icing on the cake. He had

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

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.

Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion

I’d never admitted before how much I wanted to hear those words. How much I wanted to be treasured, cared for, loved. Not just loved for the person I tried to be, but the person I was.

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

Ralph Waldo Emerson said, ‘A man in debt is so far a slave.’ In our modern times, we have coined a variety of terms that dull the slavish nature of debt. We refer to EMIs as ‘financing solutions’, we speak of zero interest and zero down payments, we hear about floating and fixed rates, but in its most basic form, debt is slavery. The possessions you acquire while you get into debt do not belong to you. They belong to the person who loaned you the money, and because so many of us trade our time for money, he owns your time too, and a tiny bit of your life. In the past, slaves were legal property of their masters. Today, slavery is practised in the form of monetary debt.

At Loan Land, we try to facilitate swift cash by arranging no credit check loans from reputed lenders. We make it a point to help you derive the loans at convenient terms and that too, without paying any upfront fee.

At Loan Land, we try to facilitate swift cash by arranging no credit check loans from reputed lenders. We make it a point to help you derive the loans at convenient terms and that too, without paying any upfront fee.

Despite his doubts, Fred came through, pledging his own equity toward his son’s success—an early sign that although the father himself had no interest in taking on Manhattan, he would stand by his son, helping him at key moments in the formative years of Donald’s career. Fred would also personally back construction loans from Manufacturers Hanover Trust, guaranteeing that the bankers would be paid even if Donald’s venture collapsed. For

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At the very least, a mortgage had to be pooled with other mortgages of other homeowners. Traders and investors would trust statistics and buy into a pool of several thousand mortgage loans made by a Savings and Loan, of which, by the laws of probability, only a small fraction should default. Pieces of paper could be issued that entitled the bearer to a pro-rata share of the cash flows from the pool, a guaranteed slice of a fixed pie. There could be millions of pools, each of which held mortgages with particular characteristics, each pool in itself homogeneous. It would hold, for example, home mortgages of less than one hundred and ten thousand dollars paying an interest rate of 12 per cent. The holder of the piece of paper from the pool would earn 12 per cent a year on his money plus his share of the repayments of principal from the homeowners. Thus standardised, the pieces of paper could be sold to an American pension fund, to a Tokyo trust company, to a Swiss bank, to a tax-evading Greek shipping tycoon living in a yacht in the harbour of Monte Carlo, to anyone with money to invest. Thus standardised, the pieces of paper could be traded. All the trader would see was the bond. All the trader wanted to see was the bond. A bond he could whip and drive. A line which would never be crossed could be drawn down the centre of the market. On one side would be the homeowner, on the other, investors and traders. The two groups would never meet; this is curious in view of how personal it seems to lend a fellow man the money to buy his home. The homeowner would only see his local Savings and Loan manager from whom the money came, and to whom it was, over time, returned. Investors and traders would see paper. Bob

A man's bones aren't his will, not his alone. Bones are will, period. The him in them is on loan, but the will itself belongs to the cloud. It's in the cloud that we can see the truth: our bones are just dust in the shape of a person, but sooner or later, by water, by wind, or by time alone, all of us, all of them, all things below the Earth will just be—dust!

Shylock {Couplet} Walk with the knowledge that you never walk alone; Run from the Shylock who gave you a personal loan.

Quoting page 32: Third, the riots spurred aggressive efforts by federal officials to dampen the violence by speeding delivery of benefits, especially jobs paying good wages, to urban minorities who found little payoff in the civil right legislation of 1964-65. The Small Business Administration (SBA), seeking to aid proprietors of riot-damaged stores and to encourage minority ownership in urban rebuilding efforts, established in 1968 the section 8(a) program. Targeted to aid heavily damaged core areas through grants and subsidized business loans, the 8(a) program avoided the racial quota taboo by funneling aid to “socially disadvantaged” persons, not to minorities per se. But most participants in the 8(a) program were minority business entrepreneurs.

Sorrow of separation from one’s beloved, dishonour from one’s own people, exhaustion of money taken as a loan, serving a wicked person, and friends becoming two-faced in one’s poverty; these five without fire burn the body.

Here’s how to get a million bells easily: Forget about paying off the loan on your house for now. Put all your money into the bank. It can be a lot or just a few thousand bells. (Personally, we started this process with 45,000 Bells). Save and exit your game by pressing the (-) symbol and closing the software. Change your system clock to the year 2000. Month and date doesn’t matter but we liked keeping it the same to avoid extra variables. Start the game so that Tom Nook thinks it’s the year 2000. Read all your mail. (You may already have a letter from the bank saying there’s interest from doing this time jump BUT interest is never deposited into your bank for going back in time so don’t celebrate yet). Save and exit your game by pressing the (-) symbol and closing the software. Change your system clock to the year 2060. Start the game so that Tom Nook thinks you’re in 2060. Read all your mail. Note: Sometimes you will get 2 letters, each for 99,999 bells but you’ll notice only 99,9999 bells will actually be deposited into your account. The max amount of interest you can earn is 99,999 Check your bank! We recommend checking your bank account each time you do this to make sure you’re doing it correctly! Depending on how much money you have in the bank, it may take a while to get the max interest and a while to find the minimum amount of years you need to jump in order to get the max interest. So experiment a bit with how much you’re changing your clock because jumping ahead repeatedly is easier than jumping back, then ahead, then back ahead. Once we had 900,000 Bells in our savings we only had to jump 2 years ahead to get that 99,999 bells interest. REMEMBER you only gain interest when you’re moving forward in time. Repeat this time jumping process until you get 1,000,00 Bells! Go for more if you’d like. You can likely do this later in the game too but you’ll risk weeds growing and Residents leaving. They may not leave immediately but could start leaving suddenly once you get back into your daily routine. Playing

Kassondra R Lewis brings a no-holds-barred approach to Bankruptcy Didn't Break Me, laying out her personal history as both a bankruptcy survivor and an experienced underwriter and loan processor in the mortgage industry. I was particularly impressed by the comfortable narrative, which feels akin to a friend advising you over coffee. There's no shame, just support and guidance for when a reader might feel at their absolute lowest. The tone is consistently proactive, encouraging strict adherence to a plan, and staying the course even when it seems you have just had a weight removed from your shoulders. The detailed insight into the world of mortgage lending goes above and beyond the standard fare in similar books, making Lewis's a standout. This is a tightly written and concise self-help book that will be of great use to many. Very highly recommended.” Readers’ Favorite ★★★★★

One of the most overlooked aspects of excellence is how much work it takes. Fame can come easily and overnight, but excellence is almost always accompanied by a crushing workload, pursued with single-minded intensity. Strenuous effort over long periods of time is a repetitive theme in the biographies of the giants, sometimes taking on mythic proportions (Michelangelo painting the ceiling of the Sistine Chapel). Even the most famous supposed exception, Mozart, illustrates the rule. He was one of the lighter spirits among the giants, but his reputation for composing effortlessly was overstated—Mozart himself complained on more than one occasion that it wasn’t as easy as it looked1—and his devotion to his work was as single-minded as Beethoven’s, who struggled with his compositions more visibly. Consider the summer of 1788. Mozart was living in a city that experienced bread riots that summer and in a country that was mobilizing for war. He was financially desperate, forced to pawn his belongings to move to cheaper rooms. He even tried to sell the pawnbroker’s tickets to get more loans. Most devastating of all, his beloved six-month old daughter died in June. And yet in June, July, and August, he completed two piano trios, a piano sonata, a violin sonata, and three symphonies, two of them among his most famous.2 It could not have been done except by someone who, as Mozart himself once put it, is “soaked in music,…immersed in it all day long.”3 Psychologists have put specific dimensions to this aspect of accomplishment. One thread of this literature, inaugurated in the early 1970s by Herbert Simon, argues that expertise in a subject requires a person to assimilate about 50,000 “chunks” of information about the subject over about 10 years of experience—simple expertise, not the mastery that is associated with great accomplishment.4 Once expertise is achieved, it is followed by thousands of hours of practice, study, labor.5 Nor is all of this work productive. What we see of the significant figures’ work is typically shadowed by an immense amount of wasted effort—most successful creators produce clunkers, sometimes far more clunkers than gems.6

The next signal I explain to Kelly is one I call loan-sharking: “He wanted to be allowed to help you because that would place you in his debt, and the fact that you owe a person something makes it hard to ask him to leave you alone.

If you have a list of numbers that you would like your fax marketing company to broadcast to, they will. It's that easy. Much of the time you can even do it throughemail, but either way, you all of them the ad and the list and they'll take care of it. The problem is, people can make a few mistakes when typing up long listsof numbers or possibly have a customer listed more than once, so their fax number should make it onto the list several times. Shredding cause some problemsonce the ad starts going out, especially when short term installment loan fax machine is overrun by multiple ads coming a person. Fortunately for businesstoday, the fax marketing industry has set up, in the majority of cases, a screening process that will guarantee that no number on your list gets more thanone fax, even in the event you listed it several times. Sure - you precisely how many leads (opt-ins) each promotion generates immediately the. you can precisely how much each lead spend you . an individual alsocan know -- generally -- simply how much your average lead will expend with you over the time. Faster Moolah: Unlike the U.S. Postal Service which takes two fax list marketing to 3 weeks to provide bulk mail, the Internet lets me deliver my sales messageand begin generating sales instantly. If to be able to pictures, or marketing plans written on a table napkin and do not want to have supply file for it, then you just take a picture associated with in yourdigital camera or phone camera that has it transferred to your computer. It is then ready for sending as an internet based fax list marketing. Now, since it's outright develop a call to action straight away, several to convince first, so lets buy fax marketing get started. Initially, you might need to pique yourprospect's interest. You'll be able to do this visually, a few eye catching design. You will do it literally start by making an appealing offer, or possibly by spellingout an edge of goods. Better still, you may make use of both approaches. Twitter.com is really a source that can announce publishing a paper, changes to your website, good books and articles, workshops that you could be offer, etc. Manyoffer free things like recordings, articles, etc. It's another strategy network with the other professionals. It's popularity is exploding. Most business people still consider direct mail to be one of the extremely credible methods in contact with them. This makes marketing your services and productswith a mailing list a choice. Be an important person - Show for ones customers that you're made of flesh and blood. Add your complete name, phone number, fax, email address contact infoand business address showing that you might be a real guy with the business! faxmarketing.club/

Personal finance can be tough! A mother who was once in debt along with a bad credit score is here to share her credit fixing strategies, tips, and advice. Indebted Mom is a financial blog about one woman's journey out of a bad credit score and an overwhelming amount of student loan debt. Some posts are about my debt specifically, while others share tips for others who are also overwhelmed by their debt. Many posts examine how attitude affects finances, work-life balance, and earning more money.

There are a few other programs for low-income people that are less known. There are HOME Funds and Community Development Block Grants that help bring down the cost of renovating existing housing in disrepair for low-income persons. The Guaranteed Rural Rental Housing Program is nearly identical to the USDA loan we previously talked about except that you do not have to live in the project, and tenants are capped to incomes of 30 percent of 115 percent area median income.

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?

He is reminding us that—as he puts it elsewhere—everything we have is actually “on loan” from the universe, and the right attitude is to enjoy it while we have it and relinquish it when it is gone. Indeed, precisely because it will one day be gone, it is all the more precious while we have it.

Goldman followed much later for two key reasons: first, unlike most of the others, it had no retail banking business, wherein banks deal directly with consumers on smaller transactions like mortgages and personal loans rather than big institutional clients or corporations executing large transactions.

The Ultimate Guide to Student Loans by Bruce Mesnekoff With the cost of college rising and governmental/private funding declining, it is no wonder that most Americans are concerned about their ability to finance a post-secondary education. Tuition prices are rising at Community Colleges, State Schools, Private and Technical colleges, leaving most Americans wondering how they are going to afford to pay for their education. This book educates parents, grandparents, young adults and students of all ages how to optimize the educational payment process. The Ultimate Guide To Student Loans is the collaboration of two financial experts who guide you through the confusing maze of investing for education and the student loan world from beginning to end. Jordan Goodman, America’s Money Answers Man, personal finance expert and frequent guest on radio and TV shows, and Bruce Mesnekoff, CEO of The Student Loan Help Center, student loan management and consolidation expert, share their knowledge and simplify the complicated process and maze of government and private rules and regulations about student loans. They also guide you through all of your investment choices to finance college education. This book helps you understand student loans by explaining: ways to invest so that you can avoid taking on student loans in the first place the optimum ways to get the best student loans paying off your loans as quickly as possible The book provides extensive information and resources to help you no matter where you are in the student loan financing process. These resources include contact information and descriptions for: federal regulatory organizations educational associations websites loan repayment programs The book also offers an appendix with abbreviations, acronyms and a glossary of student loan related terms. Also you can consult with The Student Loan Help Center for all kind of your consolidation problems. Use this book to improve your entire educational financing experience!

When Elizabeth ascended to the throne, however, Dee ascended with her, becoming her astrological and scientific advisor; he was soon considered one of the most learned men in England, and certainly had the largest library—his private collection of manuscripts at Mortlake, which he assembled at high personal cost and from which he generously loaned, was substantially larger than the collections of both Oxford and Cambridge. (To briefly note how much our access to information has increased in the last several centuries, consider that during Dee’s life, Cambridge possessed only 451 books and manuscripts; Oxford, 379. Dee had 2,500 books and 170 manuscripts at Mortlake.)

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

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.

men thinks women are stupid about finance ,about science and politics. otherwise they think themselves super intelligent. no . I am not saying this from hate or anger ,I am saying this because I have seen such persons around me . if a woman weak in finance ,with a limited budget how they manage households ? or in crisis come up with reserved fund ? they understand loan ,as equal overdraft ,they understand where her signature can protect her respect where might insult . they just pretend to be stupid much time ,that their loved one may feel safe and can be relaxed that their tricks are still unknown . funny . like let them win

The resulting financial overhead consists of claims on the economy’s actual means of production. Yet most people think of these bonds, bank loans and stocks and creditor claims as wealth, not its antithesis on the debit side of the balance sheet. This inside-out doublethink is a precondition for the bubble economy to be applauded by the mass media, keeping its corrosive momentum expanding. From the corporate sphere and real estate to personal budgets, the distinguishing feature over the past half-century has been the rise in debt/equity and debt/income ratios. Just as debt leveraging has hiked corporate break-even costs of doing business, so the cost of living has been increased as homes and office buildings have been bid up on mortgage credit. “Creating wealth” in a debt-financed way makes economies high-cost, exacerbated by the tax shift onto labor and consumers instead of capital gains and “free lunch” rent. These financial and fiscal policies have enabled financial managers to siphon off the industrial profits that were expected to fund capital formation to increase productivity and living standards. The

1.Payment history (35 percent)—Paying on time is the criterion. Missing payments hurts you here. 2.Debt (30 percent)—How much debt do you have? Too many credit card accounts will hurt you here. 3.Duration of your credit history (15 percent)—How long have you had debt? Your youth hurts you here, but you can’t do anything about that! 4.Amount of new credit (10 percent)—You don’t want to have a lot of new credit. 5.Types of credit you have (10 percent)—Good versus bad credit. A home mortgage is better than an unsecured loan (a loan that isn’t backed up by real property).

Got himself fired for pulling a sword on an acknowledged perp. Slid it right through the fabric of the perp’s shirt, gliding the flat of the blade along the base of his neck, and pinned him to a warped and bubbled expanse of vinyl siding on the wall of the house that the perp was trying to break into. Thought it was a pretty righteous bust. But they fired him anyway because the perp turned out to be the son of the vice-chancellor of the Farms of Merryvale. Oh, the weasels had an excuse: said that a thirty-six-inch samurai sword was not on their Weapons Protocol. Said that he had violated the SPAC, the Suspected Perpetrator Apprehension Code. Said that the perp had suffered psychological trauma. He was afraid of butter knives now; he had to spread his jelly with the back of a teaspoon. They said that he had exposed them to liability. The Deliverator had to borrow some money to pay for it. Had to borrow it from the Mafia, in fact. So he’s in their database now—retinal patterns, DNA, voice graph, fingerprints, footprints, palm prints, wrist prints, every fucking part of the body that had wrinkles on it—almost—those bastards rolled in ink and made a print and digitized it into their computer. But it’s their money—sure they’re careful about loaning it out. And when he applied for the Deliverator job they were happy to take him, because they knew him. When he got the loan, he had to deal personally with the assistant vice-capo of the Valley, who later recommended him for the Deliverator job. So it was like being in a family. A really scary, twisted, abusive family. CosaNostra

The American real-estate industry believed segregation to be a moral principle. As late as 1950, the National Association of Real Estate Boards' code of ethics warned that "a Realtor should never be instrumental in introducing into a neighborhood ... any race or nationality, or any individuals whose presence will clearly be detrimental to property values." A 1943 brochure specified that such potential undesireables might include madams, bootleggers, gangsters - and "a colored man of means who was giving his children a college education and thought they were entitled to live among whites." The federal government concurred. It was the How Owners' Loan Corporation, not a private trade association, that pioneered the practice of redlining, selectively granting loans and insisting that any property it insured be covered by a restrictive covenant - a clause in the deed forbidding the sale of the property to anyone other than whites. Millions of dollars flowed from tax coffers into segregated white neighborhoods. "For perhaps the first time, the federal government embraced the discriminatory attitudes of the marketplace," the historian Kenneth R. Jackson wrote in his 1985 book, Crabgrass Frontier, a history of suburbanization. "Previously, prejudices were personalized and individualized; FHA exhorted segregation and enshrined it as public policy. Whole areas of cities were declared ineligible for loan guarantees." Redlining was not officially outlawed until 1968, by the Fair Housing Act. By then the damage was done - and reports of redlining by banks have continued.