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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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,

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

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

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.

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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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.

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.

Alright I'll admit not all Americans are fucking stupid. I have respect for Carl Rogers, for example. Dude puts a lot of stock in Experience. Personal experience. And what has my experience been? Well. Russia was nice. I had two bicycles and girls liked me. What's not to like? Then they drag me here (Michigan). Make me work my ass off because parents are idiots and don't speak English. I don't get any pussy till 22. And now they say I still owe school loans? Honestly, I don't remember much of school. Seems like some kinda scam to me. What is to be concluded from this? Either my father is a piece of shit, or America is a shithole. Maybe both. Experience.

Instead of hiding bodies in mass graves, corpses were triumphantly displayed, as when the Jalisco New Generation (while still part of El Chapo’s Sinaloa cartel) dumped the thirty-five bodies on an avenue in Veracruz in September 2011. In reply, the Zetas scattered twenty-six corpses in Jalisco and a dozen in Sinaloa. On closer inspection, the bodies were those of ordinary citizens, not criminals: they were workers and students who had been abducted and murdered and displayed in order to strike fear in the heart of anyone who doubted the murderous resolve of the Zetas... In To Die in Mexico: Dispatches from Inside the Drug War, John Gibler writes about a related series of bizarre and violent episodes that took place in Torreón, in Coahuila state, bordering Texas: “Who would believe, for example, that the warden of a state prison would let convicted killers out at night and loan them official vehicles, automatic assault rifles, and bulletproof vests, so that they could gun down scores of innocent people in a neighboring state and then quickly hop back over the state line and into prison, behind bars, a perfect alibi. Who would believe that a paramilitary drug-trafficking organization formed by ex−Special Forces of the Mexican Army would kidnap a local cop and torture him into confessing all of the above details about the prisoners’ death squad, videotape the confession, execute the cop on camera with a shot to the heart, and then post the video on YouTube? Who could fathom that the federal attorney general would, within hours of the video-taped confession and execution being posted online, arrest the warden, and then a few days later hold a press conference fully acknowledging that the prisoners’ death squad had operated for months, killing ten people in a bar in January 2010, eight people in a bar in May 2010, and seventeen people at a birthday party in July?” Yet all of this actually happened. During April 2012, when El Chapo was at war with the Zetas, fourteen torsos — armless and legless bodies — were found in a car by the side of the road in Nuevo Laredo. Dead Zetas. Some of the torsos were in the trunk, for which there is a specific narco term: encajuelado (“trunked”; therefore, trunks trunked). Soon after, in Michoacán state, the Zetas met their match in the person of Nazario Moreno (called El Más Loco, the Craziest One), leader of the ruthless Templarios, the Knights Templar cartel, whose recruits were required to eat human flesh—their victims’— as part of their initiation rites. When Moreno was gunned down by the Mexican army in 2014, the Zetas flourished, and remain dominant. But there was a posthumous bonus for the Craziest One: he was promoted to sainthood. In and around his birthplace in Apatzingán, shrines and altars were erected to Saint Nazario, the dead capo represented as a holy figure in robes, venerated by credulous Michoacanos.

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.

Critics of capitalism often decry the “greed” that animates successful entrepreneurs. The real problem, however, is not the amount of money made by people at the top; it is the systematic suppression of people at the bottom. The real-life equivalent of the Monopoly player who has to mortgage all his money-making assets to pay his debts is the hand-to-mouth day laborer who, unable to pay his car insurance, loses his car and, unable to drive to his job, is unable to pay his rent. The villain here is not necessarily the avarice of the banker who loaned this poor fellow his money in the first place. It is the unstable dynamic of a system that mercilessly drives some people down to the bottom through a succession of cascading misfortunes. To experience the board game version of this kind of misery vortex in Monopoly is to appreciate the advantages of the welfare state, which, when it is functioning properly, does not just take money from rich people and give it to poor people. It also softens the iterative feedback dynamics within the system so as to ensure that minor nudges—a lost job, a criminal conviction, a divorce, a medical setback—do not create feedback effects that ultimately produce a full-blown personal catastrophe. Job training, public health care, a humane justice system, community housing and support for single mothers are examples of programs that can achieve that effect.

If you sell someone a prime-rate, 5 percent annual percentage rate (APR) thirty-year mortgage in the amount of $200,000, they’ll pay you back an additional $186,512—93 percent of what they borrowed—for the privilege of spreading payments out over thirty years. If you can manage to sell that same person a subprime loan with a 9 percent interest rate, you can collect $379,328 on top of the $200,000 repayment, nearly twice over what they borrowed. The public policy justification for allowing subprime loans was that they made the American Dream of homeownership possible for people who did not meet the credit standards to get a cheaper prime mortgage. But the subprime loans we started to see in the early 2000s were primarily marketed to existing homeowners, not people looking to buy—and they usually left the borrower worse off than before the loan. Instead of getting striving people into homeownership, the loans often wound up pushing existing homeowners out. The refinance loans stripped homeowners of equity they had built up over years of mortgage payments. That’s why these diseased loans were tested first on the segment of Americans least respected by the financial sector and least protected by lawmakers: Black and brown families.

African countries received $161.6 billion in 2015—mainly in loans, personal remittances and aid in the form of grants. Yet $203 billion was taken from Africa, either directly—mainly through corporations repatriating profits and by illegally moving money out of the continent—or by costs imposed by the rest of the world through climate change.

Everything is experienced but briefly, and we don't own anything but our will and decisions. Even our bodies must go back to whence they came. You did not truly lose this person because you cannot own them. They were “loaned” to you, and the time came when they must be “returned”. [6]

Socialists have taken advantage of every crisis to promote their policies and spend millions of dollars on marketing (oh, the irony) to convince young people that socialism can take care of everything for them. Bernie Sanders alone has three houses. He’s made millions of dollars under capitalism while preaching like a crazy person for its opposite. Let’s call him the “Commie Capitalist.” People like him say that socialism can pay off student loans, provide a universal basic income, even provide free college and health care. In 2016, a YouGov poll found that 44 percent of young people between the ages of sixteen and twenty-nine would rather live in a socialist country than a capitalist one like the United States. As if that weren’t scary enough, only 33 percent of the people could even describe with any accuracy what the word socialism means. This is precisely the way Bernie Sanders has wanted it all along: push lies for years until you make a majority of the population ignorant enough to believe those lies.

But in the new housing marketplace of the 21st century, everything had changed. People were getting rich, House values were soaring. There was no need for archaic processes values were writing or income verification. This was a new era. And no one wanted in on the profits more than Wall era. Ainvestment banks. They couldn't stand to sit on the sidelines and watch everyone else get rich. Making money was their game, and they not only wanted to play, they wanted to write the rules. And so they did. And what did these "Titans of Finance" create? The "100-percent financing, No-Doc, Stated Income, Negative Amortizing" loan. I laugh as I write this. Literally, a person could wrap all those features into one loan. It was beyond comical. It was insane. And what do these terms actually mean? • 100-percent financing: The buyers didn't need to contribute a single dime to actually purchase the house. They could finance it all, transferring all of the risk to the financial institutions. • No-Doc: The banks didn't verify such silly things as job status or credit history. Nope. If you could sign your name, you could buy a home. Stated Income: The clients told the banks how much they made. In other words, they lied. • Negative Amortizing: The clients payments wouldn't be large enough to even cover the monthly interest, so the principle balance on the loan would increase each month, putting them further and further into debt

Get to know your student loans the way you’d get to know someone you’re dating — very intimately.

The highest-risk investments include: Futures Commodities Limited partnerships Collectibles Rental real estate Penny stocks (stocks that cost less than $5 per share) Speculative stocks (such as stock in new companies) Foreign stocks from volatile nations “Junk” (or high-yield corporate) bonds Moderate-risk investments include: Growth stocks (companies that reinvest most of their profits to grow the business) Corporate bonds with lower (but still investment-grade) ratings Mutual funds or exchange-traded funds (ETFs) Real estate investment trusts (REITs) Blue chip stocks Limited-risk investments include: Top-rated investment-grade corporate and municipal bonds The lowest-risk investments include: Treasury bills and bonds FDIC-insured bank CDs (certificates of deposit) Money market funds Practicing

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.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

What does a merchant do when a potential customer walks into a store and wants to purchase a ton of goods on credit? A solution was offered by the “The Society of Guardians for the Protection of Trade against Swindlers and Sharpers,” established in 1776. This society pooled data from 550 merchants to collect information on the reputation of customers. This would make it much harder for a bad customer to defraud multiple merchants. Its key principle: “Every member is bound to communicate to the Society without delay, the Name and Description of any Person who may be unfit to trust.” In other words, this was the beginning of credit scores as a means to assess the trustworthiness of a customer for loans—no swindlers or sharpers allowed. This Society of Guardians was not the only credit bureau—thousands of similar small organizations were formed over the years, collecting individual names and publishing books with various comments and gossip. Modern giants Experian and Equifax grew from these small, local bureaus. Experian started as the Manchester Guardian Society in the early 1800s, eventually acquiring other bureaus to become one of the world’s largest. And Equifax grew from a Tennessee grocery store in the late 1800s, where the owners started compiling their own lists of creditworthy consumers. These bureaus tended to combine into larger bureaus over time because of what’s often described as a “data network effect.” When a bureau works with more merchants, it means more data, which means the risk predictions on loans will be more accurate. This makes it more attractive for additional merchants to join, who contribute even more data, and so on. Being able to accurately assess lending risk allows the rest of the network to function—consumers can borrow to get the goods they want, merchants can sell their products profitably, and banks can help underwrite the loans. This network is held together by credit bureaus like Equifax and Experian, who centralize consumer data.

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.

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.

Addressing Hester and the rest of the RBS board at the bank’s annual general meeting on 19 April 2011, shareholder and former SME customer Nigel Henderson said, ‘The jackboot culture is alive and kicking – literally as well as metaphorically – within your bank, despite your pious statements.’ Henderson alleges the bank misappropriated the Portree Hotel, on the Isle of Skye, and the £800,000 from the sale of the Park Hotel, in Montrose, from him. Henderson, having built a business worth £2 million making profits of £400,000, became an RBS customer in July 1997. He says, ‘Before signing two personal loan agreements for £400,000, I made it clear to the bank that we intended to redeem the proposed loans early. The bank assured us that this would be fine, that the maximum penalty would be three months’ interest, and that the loan documents would be drawn up accordingly. In November 1998 we deposited more than £800,000 with RBS, intimating we wished to exercise early redemption, as agreed. But they demanded £240,000, seized our cash and refused to allow us to exit the loans. They had embarked on a conscious process of deceit to engineer our total financial destruction.’ In early 2014, RBS headed off a Police Scotland inquiry into the matter by refusing to provide detectives with requested paperwork, and on 30 April 2014, an executive assistant of Sir Philip Hampton wrote to Henderson saying, ‘The bank’s position remains that it does not accept the allegations you continue to assert.

Man seeks approbation and plaudit by the observer of his functional-force, it is a high desideratum for his individualistic idiosyncrasy is never deficient. On the other hand, opprobrium or smirch and proscription or disdain is such a munition that directly pierces the soul of a man, makes him shatter and letdown from shame, it is a very obscure level for the umbrage of his personality. Tainting a man creates odium inside him, he gets cleaved. Therefore, one should always penetrate the requisite result only by going into the completeness and intricacy of things, for the disgraced man lets keep in his heart considering that derogation as a loan. When the time comes, reclamation with interest is done by him along with the inferiority scale of abasement.

When you’re with a person that you care for, draw your attention to them, to the moment you are sharing. Don’t allow your thoughts to be lost in desires or fears of the future. At the same time, don’t forget that everything you have is on loan. Someday you will return it. This makes the present moment all the more important. Why waste your time on the unknowable future when you can find happiness in the present moment? Invest fully in the now so that when change comes, there will be no sense of loss, because you truly got all you could from the time that you had.

When you are about to give to a poor person on the Lord’s account, that same gift is also a loan: it is a gift because you do not hope to receive it back again, but a loan because the Master in his great beneficence undertakes to make repayment for the poor person. He receives a little in the guise of the poor, but gives back much on their behalf. “The one who has mercy on the poor lends to God.”13 Would you not like to have the Master of all as your guarantor for full repayment

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.

but the entirety of human existence. Artificial intelligence is, after all, a mirroring and mimicry machine: we feed in the cumulative words, ideas, and images that our species has managed to amass (and digitize) over its history and these programs mirror back to us something that feels uncannily lifelike. A golem world. “I’d rather see an ad for cute shoes that I am going to like than see ads for a bunch of ugly stuff I don’t want,” one student said in an early class. In our discussions, we came to call this the “cute shoes problem” because it encapsulates one of the main reasons why surveillance capitalism and the AI revolution were able to sneak up on us with so little debate. Many of us do appreciate a certain level of automated customization, especially algorithms that suggest music, books, and people who might interest us. And at first, the stakes seemed low: Is it really a big deal if we see ads and suggestions based on our interests and tastes? Or if chatbots help clear our email backlogs? Yet now we find ourselves neck-deep in a system where, as with my own real-life doppelganger, the stakes are distinctly higher. Personal data, extracted without full knowledge or understanding, is sold to third parties and can influence everything from what loans we are eligible for to what job postings we see—to whether our jobs are replaced by deep learning bots that have gotten shockingly good at impersonating us. And those helpful recommendations and eerie impersonations come from the same

The SAM is a smaller, targeted group within the TAM. Using the previous example, while there may be 2 Million people looking to pitch for any type of funding, we are not interested in those looking for auto or personal loans. We are exclusively looking for investment funding. This could reduce the 2 Million to 500,000 people.

The people who got loans for 1.5 million and over got a quarter of the money. This is so outrageous. Donald Trump's personal lawyer, his law firm got a 10 million dollar loan. This is what people are angry at, because the system is so corrupt. And it's not just the Corporate Elites. It's the Corporate Elites who are corrupting the system, because of the money of the Corporations there is undue influence on a very, very corrupt Government. This corruption is so baked into the cake.

Grow Your Portfolio With DSCR Loans. DSCR (debt service coverage ratio) loans are evaluated based on the property’s rental income, not the applicant’s personal income. So your portfolio’s growth isn’t constrained by your personal income and there’s no limit to number of properties you can own. Approval is faster and easier too because there’s no painful personal income verification. You can close in an LLC with as little as 20% down - even using short term rental income.

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.

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.

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

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.)

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

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

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

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.

Jeff Beall. Beall was a tall man with a bristling mustache and a wit as dry as sandpaper. He’d drive thirty miles to loan a friend $20, but whether a person liked him depended on whether they understood that some people showed their love through exacting expectations and constant sarcasm.

An installment loan is a loan in which there are a fix number of scheduled payments in due course. Many special types of loans are installment loans, including auto loans and mortgages. An installment loan can last for many months and payments are evenly spread out over the period of the loan. So! If an emergency expense just popped up, or you're short on money to covering your bills this month, don’t stress - an installment loan from Installmentloansontario.Ca may be for you.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

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.

Payday loans: “If you were the sort of person who was ever going to understand compound interest, you wouldn’t be in this mess. We can literally put off the shitstorm until next week. I mean, next week! It’ll probably never happen!

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

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

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.

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