Principle Over Money Quotes

If any man's money can be taken by a so-called government, without his own personal consent, all his other rights are taken with it; for with his money the government can, and will, hire soldiers to stand over him, compel him to submit to its arbitrary will, and kill him if he resists.

Kipple is useless objects, like junk mail or match folders after you use the last match or gum wrappers or yesterday's homeopape. When nobody's around, kipple reproduces itself. For instance, if you go to bed leaving any kipple around your apartment, when you wake up the next morning there's twice as much of it. It always gets more and more." "I see." The girl regarded him uncertainly, not knowing whether to believe him. Not sure if he meant it seriously. "There's the First Law of Kipple," he said. "'Kipple drives out nonkipple.' Like Gresham's law about bad money. And in these apartments there's been nobody here to fight the kipple." "So it has taken over completely," the girl finished. She nodded. "Now I understand." "Your place, here," he said, "this apartment you've picked--it's too kipple-ized to live in. We can roll the kipple-factor back; we can do like I said, raid the other apts. But--" He broke off. "But what?" Isidore said, "We can't win." "Why not?" [...] "No one can win against kipple," he said, "except temporarily and maybe in one spot, like in my apartment I've sort of created a stasis between the pressure of kipple and nonkipple, for the time being. But eventually I'll die or go away, and then the kipple will again take over. It's a universal principle operating throughout the universe; the entire universe is moving toward a final state of total, absolute kippleization.

Because here's something else that's weird but true: in the day-to-day trenches of adult life, there is actually no such thing as atheism. There is no such thing as not worshipping. Everybody worships. The only choice we get is what to worship. And the compelling reason for maybe choosing some sort of god or spiritual-type thing to worship--be it JC or Allah, be it YHWH or the Wiccan Mother Goddess, or the Four Noble Truths, or some inviolable set of ethical principles--is that pretty much anything else you worship will eat you alive. If you worship money and things, if they are where you tap real meaning in life, then you will never have enough, never feel you have enough. It's the truth. Worship your body and beauty and sexual allure and you will always feel ugly. And when time and age start showing, you will die a million deaths before they finally grieve you. On one level, we all know this stuff already. It's been codified as myths, proverbs, clichés, epigrams, parables; the skeleton of every great story. The whole trick is keeping the truth up front in daily consciousness. Worship power, you will end up feeling weak and afraid, and you will need ever more power over others to numb you to your own fear. Worship your intellect, being seen as smart, you will end up feeling stupid, a fraud, always on the verge of being found out. But the insidious thing about these forms of worship is not that they're evil or sinful, it's that they're unconscious. They are default settings. They're the kind of worship you just gradually slip into, day after day, getting more and more selective about what you see and how you measure value without ever being fully aware that that's what you're doing.

When the accumulation of wealth is no longer of high social importance, there will be great changes in the code of morals. We shall be able to rid ourselves of many of the pseudo-moral principles which have hag-ridden us for two hundred years, by which we have exalted some of the most distasteful of human qualities into the position of the highest virtues. We shall be able to afford to dare to assess the money-motive at its true value. The love of money as a possession — as distinguished from the love of money as a means to the enjoyments and realities of life — will be recognized for what it is, a somewhat disgusting morbidity, one of those semi-criminal, semi-pathological propensities which one hands over with a shudder to the specialists in mental disease.

In particular, the State has arrogated to itself a compulsory monopoly over police and military services, the provision of law, judicial decision-making, the mint and the power to create money, unused land ("the public domain"), streets and highways, rivers and coastal waters, and the means of delivering mail...the State relies on control of the levers of propaganda to persuade its subjects to obey or even exalt their rulers.

Never having experienced inequality, therefore, the majority of straight white men will be absolutely oblivious to their own advantages – not because they must necessarily be insensitive, sexist, racist, homophobic or unaware of the principles of equality; but because they have been told, over and over again, that there is no inequality left for them – or anyone else – to experience – and everything they have experienced up to that point will only have proved them right. Let the impact of that sink in for a moment. By teaching children and teenagers that equality already exists, we are actively blinding the group that most benefits from inequality – straight white men – to the prospect that it doesn’t. Privilege to them feels indistinguishable from equality, because they’ve been raised to believe that this is how the world behaves for everyone. And because the majority of our popular culture is straight-white-male-dominated, stories that should be windows into empathy for other, less privileged experiences have instead become mirrors, reflecting back at them the one thing they already know: that their lives both are important and free from discrimination. And this hurts men. It hurts them by making them unconsciously perpetrate biases they’ve been actively taught to despise. It hurts them by making them complicit in the distress of others. It hurts them by shoehorning them into a restrictive definition masculinity from which any and all deviation is harshly punished. It hurts them by saying they will always be inferior parents and caregivers, that they must always be active and aggressive even when they long for passivity and quietude, that they must enjoy certain things like sports and beer and cars or else be deemed morally suspect. It hurts them through a process of indoctrination so subtle and pervasive that they never even knew it was happening , and when you’ve been raised to hate inequality, discovering that you’ve actually been its primary beneficiary is horrifying – like learning that the family fortune comes from blood money. Blog post 4/12/2012: Why Teaching Equality Hurts Men

There is no such thing as not worshipping. Everybody worships. The only choice we get is what to worship. And an outstanding reason for choosing some sort of God or spiritual-type thing to worship — be it J.C. or Allah, be it Yahweh or the Wiccan mother-goddess or the Four Noble Truths or some infrangible set of ethical principles — is that pretty much anything else you worship will eat you alive. If you worship money and things — if they are where you tap real meaning in life — then you will never have enough. Never feel you have enough. It's the truth. Worship your own body and beauty and sexual allure and you will always feel ugly, and when time and age start showing, you will die a million deaths before they finally plant you. On one level, we all know this stuff already — it's been codified as myths, proverbs, clichés, bromides, epigrams, parables: the skeleton of every great story. The trick is keeping the truth up-front in daily consciousness. Worship power — you will feel weak and afraid, and you will need ever more power over others to keep the fear at bay. Worship your intellect, being seen as smart — you will end up feeling stupid, a fraud, always on the verge of being found out. And so on.

The most important factor to growing your financial stability isn't your income. Rather, your success is much more related to how well you keep your eye on the ball. Organize your finances around the principles of financial stability. Aim for that goal, and over time you will find many unexpected ways to actually put money aside.

Having a reserve currency is great while it lasts because it gives a country exceptional borrowing and spending power and significant power over who else in the world gets the money and credit needed to buy and sell internationally. However, having a reserve currency typically sows the seeds of a country ceasing to be a reserve currency country. That is because it allows the country to borrow more than it could otherwise afford to borrow, and the creation of lots of money and credit to service the debt debases the value of the currency and causes the loss of its status as a reserve currency. The loss of its reserve currency status is a terrible thing because having a reserve currency is one of the greatest powers a country can have because it gives the country enormous buying power and geopolitical power.

Ultimately, we need to take control over the money supply out of the hands of our governments and make the production of money again subject to the principle of free association. The first step to endorsing and promoting this strategy is to realize that governments do not—indeed cannot—fulfill any positive role whatever through the control of our money.

The coming of Caesarism breaks the dictature of money and its political weapon, democracy. After a long triumph of world-city economy and its interests over political creative force, the political side of life manifests itself after all as the stronger of the two. The sword is victorious over the money, the master-will subdues again the plunderer-will. If we call these money-powers 'Capitalism,' then we may designate as Socialism the will to call into life a mighty politico-economic order that transcends all class interests, a system of lofty thoughtfulness and duty-sense that keeps the whole in fine condition for the decisive battle of its history, and this battle is also the battle of money and law. The private powers of the economy want free paths for their acquisition of great resources. No legislation must stand in their way. They want to make the laws themselves, in their interests, and to that end they make use of the tool they have made for themselves, democracy, the subsidized party. Law needs, in order to resist this onslaught, a high tradition and an ambition of strong families that finds its satisfaction not in the heaping-up of riches, but in the tasks of true rulership, above and beyond all money-advantage. A power can be overthrown only by another power, not by a principle, and no power that can confront money is left but this one. Money is overthrown and abolished only by blood. Life is alpha and omega, the cosmic stream in microcosmic form. It is the fact of facts within the world-as-history. Before the irresistible rhythm of the generation-sequence, everything built up by the waking-consciousness in its intellectual world vanishes at the last. Ever in History it is life and life only race-quality, the triumph of the will-to-power and not the victory of truths, discoveries, or money that signifies. World-history is the world court, and it has ever decided in favour of the stronger, fuller, and more self-assured life decreed to it, namely, the right to exist, regardless of whether its right would hold before a tribunal of waking-consciousness.

Call me Ishmael. Some years ago--never mind how long precisely--having little or no money in my purse, and nothing particular to interest me on shore, I thought I would sail about a little and see the watery part of the world. It is a way I have of driving off the spleen and regulating the circulation. Whenever I find myself growing grim about the mouth; whenever it is a damp, drizzly November in my soul; whenever I find myself involuntarily pausing before coffin warehouses, and bringing up the rear of every funeral I meet; and especially whenever my hypos get such an upper hand of me, that it requires a strong moral principle to prevent me from deliberately stepping into the street, and methodically knocking people's hats off--then, I account it high time to get to sea as soon as I can. This is my substitute for pistol and ball. With a philosophical flourish Cato throws himself upon his sword; I quietly take to the ship. There is nothing surprising in this. If they but knew it, almost all men in their degree, some time or other, cherish very nearly the same feelings towards the ocean with me. There now is your insular city of the Manhattoes, belted round by wharves as Indian isles by coral reefs--commerce surrounds it with her surf. Right and left, the streets take you waterward. Its extreme downtown is the battery, where that noble mole is washed by waves, and cooled by breezes, which a few hours previous were out of sight of land. Look at the crowds of water-gazers there. Circumambulate the city of a dreamy Sabbath afternoon. Go from Corlears Hook to Coenties Slip, and from thence, by Whitehall, northward. What do you see?--Posted like silent sentinels all around the town, stand thousands upon thousands of mortal men fixed in ocean reveries. Some leaning against the spiles; some seated upon the pier-heads; some looking over the bulwarks of ships from China; some high aloft in the rigging, as if striving to get a still better seaward peep. But these are all landsmen; of week days pent up in lath and plaster--tied to counters, nailed to benches, clinched to desks. How then is this? Are the green fields gone? What do they here? But look! here come more crowds, pacing straight for the water, and seemingly bound for a dive. Strange! Nothing will content them but the extremest limit of the land; loitering under the shady lee of yonder warehouses will not suffice. No. They must get just as nigh the water as they possibly can without falling in. And there they stand--miles of them--leagues. Inlanders all, they come from lanes and alleys, streets and avenues--north, east, south, and west. Yet here they all unite. Tell me, does the magnetic virtue of the needles of the compasses of all those ships attract them thither? Once more. Say you are in the country; in some high land of lakes. Take almost any path you please, and ten to one it carries you down in a dale, and leaves you there by a pool in the stream. There is magic in it. Let the most absent-minded of men be plunged in his deepest reveries--stand that man on his legs, set his feet a-going, and he will infallibly lead you to water, if water there be in all that region. Should you ever be athirst in the great American desert, try this experiment, if your caravan happen to be supplied with a metaphysical professor. Yes, as every one knows, meditation and water are wedded for ever.

Because here’s something else that’s weird but true: in the day-to-day trenches of adult life, there is actually no such thing as atheism. There is no such thing as not worshipping. Everybody worships. The only choice we get is what to worship. And the compelling reason for maybe choosing some sort of god or spiritual-type thing to worship–be it JC or Allah, be it YHWH or the Wiccan Mother Goddess, or the Four Noble Truths, or some inviolable set of ethical principles–is that pretty much anything else you worship will eat you alive. If you worship money and things, if they are where you tap real meaning in life, then you will never have enough, never feel you have enough. It’s the truth. Worship your body and beauty and sexual allure and you will always feel ugly. And when time and age start showing, you will die a million deaths before they finally grieve you. On one level, we all know this stuff already. It’s been codified as myths, proverbs, clichés, epigrams, parables; the skeleton of every great story. The whole trick is keeping the truth up front in daily consciousness. Worship power, you will end up feeling weak and afraid, and you will need ever more power over others to numb you to your own fear. Worship your intellect, being seen as smart, you will end up feeling stupid, a fraud, always on the verge of being found out. But the insidious thing about these forms of worship is not that they’re evil or sinful, it’s that they’re unconscious. They are default settings. They’re the kind of worship you just gradually slip into, day after day, getting more and more selective about what you see and how you measure value without ever being fully aware that that’s what you’re doing.

The political merchandisers appeal only to the weak­nesses of voters, never to their potential strength. They make no attempt to educate the masses into becoming fit for self-government; they are content merely to manipulate and exploit them. For this pur­pose all the resources of psychology and the social sciences are mobilized and set to work. Carefully se­lected samples of the electorate are given "interviews in depth." These interviews in depth reveal the uncon­scious fears and wishes most prevalent in a given so­ciety at the time of an election. Phrases and images aimed at allaying or, if necessary, enhancing these fears, at satisfying these wishes, at least symbolically, are then chosen by the experts, tried out on readers and audiences, changed or improved in the light of the information thus obtained. After which the political campaign is ready for the mass communicators. All that is now needed is money and a candidate who can be coached to look "sincere." Under the new dispen­sation, political principles and plans for specific action have come to lose most of their importance. The person­ality of the candidate and the way he is projected by the advertising experts are the things that really mat­ter. In one way or another, as vigorous he-man or kindly father, the candidate must be glamorous. He must also be an entertainer who never bores his audience. Inured to television and radio, that audience is accustomed to being distracted and does not like to be asked to con­centrate or make a prolonged intellectual effort. All speeches by the entertainer-candidate must therefore be short and snappy. The great issues of the day must be dealt with in five minutes at the most -- and prefera­bly (since the audience will be eager to pass on to something a little livelier than inflation or the H-bomb) in sixty seconds flat. The nature of oratory is such that there has always been a tendency among politicians and clergymen to over-simplify complex is­sues. From a pulpit or a platform even the most con­scientious of speakers finds it very difficult to tell the whole truth. The methods now being used to merchan­dise the political candidate as though he were a deo­dorant positively guarantee the electorate against ever hearing the truth about anything.

What, after all, is so special about genes? The answer is that they are replicators. The laws of physics are supposed to be true all over the accessible universe. Are there any principles of biology which are likely to have similar universal validity? When astronauts voyage to distant planets and look for life, they can expect to find creatures too strange and unearthly for us to imagine. But is there anything which must be true of all life, wherever it is found, and whatever the basis of its chemistry? If forms of life exist whose chemistry is based on silicon rather than carbon, or ammonia rather than water, if creatures are discovered which boil to death at -100 degrees centigrade, if a form of life is found which is not based on chemistry at all, but on electronic reverberating circuits, will there still be any general principle which is true of all life? Obviously I do not know but, if I had to bet, I would put my money on one fundamental principle. This is the law that all life evolves by the differential survival of replicating entities. The gene, the DNA molecule, happens to be the replicating entity which prevails on our own planet. There may be others. If there are, provided certain conditions are met, they will almost inevitably tend to become the basis for an evolutionary process.

Our politicians tell us we are free, even though most governments take over 50% of what we earn. They claim we get services that we need for our hard-earned money, even though we could buy the same services at half the price from the private sector. Today, we ridicule the slave-owners' claim that they "gave back" to their slaves by housing, clothing, feeding them, and bestowing upon them the "benefits" of civilization instead of leaving them in their native state. We see this as a self-serving justification for exploitation. In the future, we will view being forcibly taxed to pay for things we don't want, such as bombs for the Middle East, subsidies for tobacco, other people's abortions, regulations that put small businesses out of business, prisons for people trying to feel good, keeping life-saving medications out of the hands of dying people, etc., as taking away our freedom. When even a small portion of our lives is spent enslaved, that part tends to dominate the rest of our time. If we don't put our servitude first as we structure the remainder of our lives, our masters will make sure we regret it. How much freedom do we need to survive and how much do we need to thrive?

Over the next 10 years, the most important dynamics are the short-term debt/money/economy cycle (also called the business cycle), the internal political cycle, and the escalating conflicts/reducing interdependencies between the US and China.

He had always disliked the people who encored a favorite air in an opera—“That just spoils it” had been his comment. But this now appeared to him as a principle of far wider application and deeper moment. This itch to have things over again, as if life were a film that could be unrolled twice or even made to work backward . . . was it possibly the root of all evil? No: of course the love of money was called that. But money itself—perhaps one valued it chiefly as a defense against chance, a security for being able to have things over again, a means of arresting the unrolling of the film. He

What went wrong was their rejection of basic bedrock principles of investing—that high returns are leg-shackled to high risks; that you should never put all your eggs in one basket; that you should never invest in something you cannot understand. They failed to see that no one should hand all their money over to anyone simply because they trust him, or because someone they admire trusts him.

What Mr. Rothschild had discovered was the basic principle of power, influence, and control over people as applied to economics. That principle is "when you assume the appearance of power, people soon give it to you." Mr. Rothschild had discovered that currency or deposit loan accounts had the required appearance of power that could be used to INDUCE PEOPLE [WC emphasis] (inductance, with people corresponding to a magnetic field) into surrendering their real wealth in exchange for a promise of greater wealth (instead of real compensation). They would put up real collateral in exchange for a loan of promissory notes. Mr. Rothschild found that he could issue more notes than he had backing for, so long as he had someone's stock of gold as a persuader to show to his customers. Mr. Rothschild loaned his promissory notes to individuals and to governments. These would create overconfidence. Then he would make money scarce, tighten control of the system, and collect the collateral through the obligation of contracts. The cycle was then repeated. These pressures could be used to ignite a war. Then he would control the availability of currency to determine who would win the war. That government which agreed to give him control of its economic system got his support.

I like ethics." The question of morality, how and why do people behave in certain ways. "And the principle of knowledge." I continue, "I've read this one." I show him On Certainty (book) by Ludwig Wittgenstein wrapped in my hand. "An intelligent one, that is, though, modern mind rarely appreciates such kind of writing. Not any more. I studied philosophy myself, and you know what I think? Every branch of knowledge needs philosophy for it helps to organise the flow of ideas and articulate meanings. I could not agree more to that. "Do you think it will be deserted one day?" "Probably. Nobody will bother about it any more, just like history. What is the only thing people become more interested in nowadays?" he asks. "Making money." His thumb rubs repeatedly over the tip of the index finger. "Philosophy and history are considered as eccentric. They don't usually offer people high income, and that's the inexorable reality. We've got to deal with it anyhow.

A free Republic! How a myth will maintain itself, how it will continue to deceive, to dupe, and blind even the comparatively intelligent to its monstrous absurdities. A free Republic! And yet within a little over thirty years a small band of parasites have successfully robbed the American people, and trampled upon the fundamental principles, laid down by the fathers of this country, guaranteeing to every man, woman, and child “life, liberty, and the pursuit of happiness.” For thirty years they have been increasing their wealth and power at the expense of the vast mass of workers, thereby enlarging the army of the unemployed, the hungry, homeless, and friendless portion of humanity, who are tramping the country from east to west, from north to south, in a vain search for work. For many years the home has been left to the care of the little ones, while the parents are exhausting their life and strength for a mere pittance. For thirty years the sturdy sons of America have been sacrificed on the battlefield of industrial war, and the daughters outraged in corrupt factory surroundings. For long and weary years this process of undermining the nation’s health, vigor, and pride, without much protest from the disinherited and oppressed, has been going on. Maddened by success and victory, the money powers of this “free land of ours” became more and more audacious in their heartless, cruel efforts to compete with the rotten and decayed European tyrannies for supremacy of power.

Throughout history, rulers have run up debts that won’t come due until long after their own reigns are over, leaving it to their successors to pay the bill. Printing money and buying financial assets (mostly bonds) holds interest rates down, which stimulates borrowing and buying. Those investors holding bonds are encouraged to sell them. The low interest rates also encourage investors, businesses, and individuals to borrow and invest in higher-returning assets, getting what they want through monthly payments they can afford.

commencement address at Kenyon College: In the day-to-day trenches of adult life, there is actually no such thing as atheism. There is no such thing as not worshipping. Everybody worships. The only choice we get is what to worship. And an outstanding reason for choosing some sort of god or spiritual-type thing to worship—be it J.C. or Allah, be it Yahweh or the Wiccan mother-goddess or the Four Noble Truths or some infrangible set of ethical principles—is that pretty much anything else you worship will eat you alive. If you worship money and things—if they are where you tap real meaning in life—then you will never have enough. Never feel you have enough. It’s the truth. Worship your own body and beauty and sexual allure and you will always feel ugly, and when time and age start showing, you will die a million deaths before they finally plant you….Worship power—you will feel weak and afraid, and you will need ever more power over others to keep the fear at bay. Worship your intellect, being seen as smart—you will end up feeling stupid, a fraud, always on the verge of being found out. The

The Age of Exploration began in the 1400s when Europeans traveled all over the world in search of wealth, creating widespread contact between many different peoples for the first time and beginning to shrink the world. It roughly coincided with the Renaissance because the technological marvels of the Renaissance translated into advancements in shipbuilding and navigation, and the riches that those ships brought back financed further Renaissance advancements. Ruling families supported these money-making explorations and split the profits with explorers.

A brick could be used to show you how to live a richer, fuller, more satisfying life. Don’t you want to have fulfillment and meaning saturating your existence? I can show you how you can achieve this and so much more with just a simple brick. For just $99.99—not even an even hundred bucks, I’ll send you my exclusive life philosophy that’s built around a brick. Man’s used bricks to build houses for centuries. Now let one man, me, show you how a brick can be used to build your life up bigger and stronger than you ever imagined. But act now, because supplies are limited. This amazing offer won’t last forever. You don’t want to wake up in ten years to find yourself divorced, homeless, and missing your testicles because you waited even two hours too long to obtain this information. Become a hero today—save your life. Procrastination is only for the painful things in life. We prolong the boring, but why put off for tomorrow the exciting life you could be living today? If you’re not satisfied with the information I’m providing, I’m willing to offer you a no money back guarantee. That’s right, you read that wrong. If you are not 100% dissatisfied with my product, I’ll give you your money back. For $99.99 I’m offering 99.99%, but you’ve got to be willing to penny up that percentage to 100. Why delay? The life you really want is mine, and I’m willing to give it to you—for a price. That price is a one-time fee of $99.99, which of course everyone can afford—even if they can’t afford it. Homeless people can’t afford it, but they’re the people who need my product the most. Buy my product, or face the fact that in all probability you are going to end up homeless and sexless and unloved and filthy and stinky and probably even disabled, if not physically than certainly mentally. I don’t care if your testicles taste like peanut butter—if you don’t buy my product, even a dog won’t lick your balls you miserable cur. I curse you! God damn it, what are you, slow? Pay me my money so I can show you the path to true wealth. Don’t you want to be rich? Everything takes money—your marriage, your mortgage, and even prostitutes. I can show you the path to prostitution—and it starts by ignoring my pleas to help you. I’m not the bad guy here. I just want to help. You have some serious trust issues, my friend. I have the chance to earn your trust, and all it’s going to cost you is a measly $99.99. Would it help you to trust me if I told you that I trust you? Well, I do. Sure, I trust you. I trust you to make the smart decision for your life and order my product today. Don’t sleep on this decision, because you’ll only wake up in eight hours to find yourself living in a miserable future. And the future indeed looks bleak, my friend. War, famine, children forced to pimp out their parents just to feed the dog. Is this the kind of tomorrow you’d like to live in today? I can show you how to provide enough dog food to feed your grandpa for decades. In the future I’m offering you, your wife isn’t a whore that you sell for a knife swipe of peanut butter because you’re so hungry you actually considered eating your children. Become a hero—and save your kids’ lives. Your wife doesn’t want to spread her legs for strangers. Or maybe she does, and that was a bad example. Still, the principle stands. But you won’t be standing—in the future. Remember, you’ll be confined to a wheelchair. Mushrooms are for pizzas, not clouds, but without me, your life will atom bomb into oblivion. Nobody’s dropping a bomb while I’m around. The only thing I’m dropping is the price. Boom! I just lowered the price for you, just to show you that you are a valued customer. As a VIP, your new price on my product is just $99.96. That’s a savings of over two pennies (three, to be precise). And I’ll even throw in a jar of peanut butter for free. That’s a value of over $.99. But wait, there’s more! If you call within the next ten minutes, I’ll even throw in a blanket free of charge. . .

An Act for establishing religious Freedom. Section 1 Whereas, Almighty God hath created the mind free; That all attempts to influence it by temporal punishments or burthens, or by civil incapacitations tend only to beget habits of hypocrisy and meanness, and therefore are a departure from the plan of the holy author of our religion, who being Lord, both of body and mind yet chose not to propagate it by coercions on either, as was in his Almighty power to do, That the impious presumption of legislators and rulers, civil as well as ecclesiastical, who, being themselves but fallible and uninspired men have assumed dominion over the faith of others, setting up their own opinions and modes of thinking as the only true and infallible, and as such endeavouring to impose them on others, hath established and maintained false religions over the greatest part of the world and through all time; That to compel a man to furnish contributions of money for the propagation of opinions, which he disbelieves is sinful and tyrannical; That even the forcing him to support this or that teacher of his own religious persuasion is depriving him of the comfortable liberty of giving his contributions to the particular pastor, whose morals he would make his pattern, and whose powers he feels most persuasive to righteousness, and is withdrawing from the Ministry those temporary rewards, which, proceeding from an approbation of their personal conduct are an additional incitement to earnest and unremitting labours for the instruction of mankind; That our civil rights have no dependence on our religious opinions any more than our opinions in physics or geometry, That therefore the proscribing any citizen as unworthy the public confidence, by laying upon him an incapacity of being called to offices of trust and emolument, unless he profess or renounce this or that religious opinion, is depriving him injuriously of those privileges and advantages, to which, in common with his fellow citizens, he has a natural right, That it tends only to corrupt the principles of that very Religion it is meant to encourage, by bribing with a monopoly of worldly honours and emoluments those who will externally profess and conform to it; That though indeed, these are criminal who do not withstand such temptation, yet neither are those innocent who lay the bait in their way; That to suffer the civil magistrate to intrude his powers into the field of opinion and to restrain the profession or propagation of principles on supposition of their ill tendency is a dangerous fallacy which at once destroys all religious liberty because he being of course judge of that tendency will make his opinions the rule of judgment and approve or condemn the sentiments of others only as they shall square with or differ from his own; That it is time enough for the rightful purposes of civil government, for its officers to interfere when principles break out into overt acts against peace and good order; And finally, that Truth is great, and will prevail if left to herself, that she is the proper and sufficient antagonist to error, and has nothing to fear from the conflict, unless by human interposition disarmed of her natural weapons free argument and debate, errors ceasing to be dangerous when it is permitted freely to contradict them.

Am I to assume the Valerie I was introduced to earlier was the Valerie of our greenhouse notes?” He realized his mistake the instant her eyes clouded over and she glanced in the direction he’d looked. “Yes.” “Shall I ask Willington to clear his ballroom so you have the requisite twenty paces? Naturally, I’ll stand as your second.” Elizabeth drew a shaky breath, and a smile curved her lips. “Is she wearing a bow?” Ian looked and shook his head. “I’m afraid not.” “Does she have an earring?” He glanced again and frowned. “I think that’s a wart.” Her smile finally reached her eyes. “It’s not a large target, but I suppose-“ “Allow me,” he gravely replied, and she laughed. The last strains of their waltz were dying away, and as they left the dance floor Ian watched Mondevale making his way toward the Townsendes, who’d returned to the ballroom. “Now that you’re a marquess,” Elizabeth asked, “will you live in Scotland or in England?” “I only accepted the title, not the money or the lands,” he replied absently, watching Mondevale. “I’ll explain everything to you tomorrow morning at your house. Mondevale is going to ask you to dance as soon as we reach the Townsendes, so listen closely-I’m going to ask you to dance again later. Turn me down.” She sent him a puzzled look, but she nodded. “Is there anything else?” she asked when he was about to relinquish her to her friends. “There’s a great deal else, but it will have to wait until tomorrow.” Mystified, Elizabeth turned her attention to Viscount Mondevale. Alex watched the byplay between Elizabeth and Ian but her mind was elsewhere. While the couple danced, Alex had told her husband exactly what she thought of Ian Thornton who’d first ruined Elizabeth’s reputation and now deceived her into thinking he was still a man of very modest means. Instead of agreeing that Thornton was completely without principles, Jordan had calmly insisted that Ian intended to set matters aright in the morning, and then he’d made her, and his grandmother, promise not to tell Elizabeth anything until Ian had been given the opportunity to do so himself. Dragging her thoughts back to the ballroom, Alex hoped more than anything that Ian Thornton would do nothing more to hurt her good friend. By the end of the evening a majority of the guests at the Willington ball had drawn several conclusions: first, that Ian Thornton was definitely the natural grandson of the Duke of Stanhope (which everyone claimed to have always believed); second, that Elizabeth Cameron had very probably rebuffed his scandalous advances two years ago (which everyone claimed to have always believed); third, that since she had rejected his second request for a dance tonight, she might actually prefer her former suitor Viscount Mondevale (which hardly anyone could really believe).

1935 tax bill, then popularly called the “Soak the Rich Tax,” the top marginal income tax rate for individuals rose to 75 percent (versus as low as 25 percent in 1930). By 1941, the top personal tax rate was 81 percent, and the top corporate tax rate was 31 percent, having started at 12 percent in 1930. Roosevelt also imposed a number of other taxes. Despite all of these taxes and the pickup in the economy that helped raise tax revenue, budget deficits increased from around 1 percent of GDP to about 4 percent of GDP because the spending increases were so large.5 From 1933 until the end of 1936 the stock market returned over 200 percent, and the economy grew at a blistering average real rate of about 9 percent. In 1936, the Federal Reserve tightened money and credit to fight inflation and slow an overheating economy, which caused the fragile US economy to fall back into recession and the other major economies to weaken with it, further raising tensions within and between countries.

Statisticians say that stocks with healthy dividends slightly outperform the market averages, especially on a risk-adjusted basis. On average, high-yielding stocks have lower price/earnings ratios and skew toward relatively stable industries. Stripping out these factors, generous dividends alone don’t seem to help performance. So, if you need or like income, I’d say go for it. Invest in a company that pays high dividends. Just be sure that you are favoring stocks with low P/Es in stable industries. For good measure, look for earnings in excess of dividends, ample free cash flow, and stable proportions of debt and equity. Also look for companies in which the number of shares outstanding isn’t rising rapidly. To put a finer point on income stocks to skip, reverse those criteria. I wouldn’t buy a stock for its dividend if the payout wasn’t well covered by earnings and free cash flow. Real estate investment trusts, master limited partnerships, and royalty trusts often trade on their yield rather than their asset value. In some of those cases, analysts disagree about the economic meaning of depreciation and depletion—in particular, whether those items are akin to earnings or not. Without looking at the specific situation, I couldn’t judge whether the per share asset base was shrinking over time or whether generally accepted accounting principles accounting was too conservative. If I see a high-yielder with swiftly rising share counts and debt levels, I assume the worst.

The importance of ethical governance, exemplified by the Norwegian Pension Fund, is highlighted by a deplorable UK government proposal in 2016 to set up a Shale Wealth Fund.38 The fund would receive up to 10 per cent of the revenue generated by fracking (hydraulic fracturing) for shale gas, which could amount to as much as £1 billion over twenty-five years. This would be paid out to communities hosting fracking sites, which could decide to use the money for local projects or distribute it to households in cash. It is hard to avoid the conclusion that this is a bribe to secure local approval of environmentally threatening fracking operations, to which there has been considerable public opposition. Beyond that, there are many equity questions. Why should only people who happen to live in areas with shale gas be beneficiaries? How would the recipient community be defined? Would the payments go only to those living in the designated community at the time the fracking started? Would they be paid as lump sums or on a regular basis, and how long would they last? What about future generations? Can cash payments compensate for the risk of harm to the air, water, landscape and livelihoods? All these questions cast doubt on the equity and ethics of any selective scheme. They underline the need for the principles of wealth funds and dividends from them to be established before they are implemented, and for a governance structure that is independent from government and business. But

Since governments have the ability to both make and borrow money, why couldn’t the central bank lend money at an interest rate of about 0 percent to the central government to distribute as it likes to support the economy? Couldn’t it also lend to others at low rates and allow those debtors to never pay it back? Normally debtors have to pay back the original amount borrowed (principal) plus interest in installments over a period of time. But the central bank has the power to set the interest rate at 0 percent and keep rolling over the debt so that the debtor never has to pay it back. That would be the equivalent of giving the debtors the money, but it wouldn’t look that way because the debt would still be accounted for as an asset that the central bank owns, so the central bank could still say it is performing its normal lending functions. This is the exact thing that happened in the wake of the economic crisis caused by the COVID-19 pandemic. Many versions of this have happened many times in history. Who pays? It is bad for those outside the central bank who still hold the debts as assets—cash and bonds—who won’t get returns that would preserve their purchasing power. The biggest problem that we now collectively face is that for many people, companies, nonprofit organizations, and governments, their incomes are low in relation to their expenses, and their debts and other liabilities (such as those for pensions, healthcare, and insurance) are very large relative to the value of their assets.

Men are not content with a simple life: they are acquisitive, ambitious, competitive, and jealous; they soon tire of what they have, and pine for what they have not; and they seldom desire anything unless it belongs to others. The result is the encroachment of one group upon the territory of another, the rivalry of groups for the resources of the soil, and then war. Trade and finance develop, and bring new class-divisions. "Any ordinary city is in fact two cities, one the city of the poor, the other of the rich, each at war with the other; and in either division there are smaller ones - you would make a great mistake if you treated them as single states". A mercantile bourgeoisie arises, whose members seek social position through wealth and conspicuous consumption: "they will spend large sums of money on their wives". These changes in the distribution of wealth produce political changes: as the wealth of the merchant over-reaches that of the land-owner, aristocracy gives way to a plutocratic oligarchy - wealthy traders and bankers rule the state. Then statesmanship, which is the coordination of social forces and the adjustment of policy to growth, is replaced by politics, which is the strategy of parts and the lust of the spoils of office. Every form of government tends to perish by excess of its basic principle. Aristocracy ruins itself by limiting too narrowly the circle within which power is confined; oligarchy ruins itself by the incautious scramble for immediate wealth. In rather case the end is revolution. When revolution comes it may seem to arise from little causes and petty whims, but though it may spring from slight occasions it is the precipitate result of grave and accumulated wrongs; when a body is weakened by neglected ills, the merest exposure may bring serious disease. Then democracy comes: the poor overcome their opponents, slaughtering some and banishing the rest; and give to the people an equal share of freedom and power. But even democracy ruins itself by excess – of democracy. Its basic principle is the equal right of all to hold office and determine public policy. This is at first glance a delightful arrangement; it becomes disastrous because the people are not properly equipped by education to select the best rulers and the wisest courses. As to the people they have no understanding, and only repeat what their rulers are pleased to tell them; to get a doctrine accepted or rejected it is only necessary to have it praised or ridiculed in a popular play (a hit, no doubt, at Aristophanes, whose comedies attacked almost every new idea). Mob-rule is a rough sea for the ship of state to ride; every wind of oratory stirs up the waters and deflects the course. The upshot of such a democracy is tyranny or autocracy; the crowd so loves flattery, it is so “hungry for honey” that at last the wiliest and most unscrupulous flatterer, calling himself the “protected of the people” rises to supreme power. (Consider the history of Rome). The more Plato thinks of it, the more astounded he is at the folly of leaving to mob caprice and gullibility the selection of political officials – not to speak of leaving it to those shady and wealth-serving strategists who pull the oligarchic wires behind the democratic stage. Plato complains that whereas in simpler matters – like shoe-making – we think only a specially-trained person will server our purpose, in politics we presume that every one who knows how to get votes knows how to administer a city or a state.

As respects its isolation and its indifference to the basic requirements of all organic activity, the pecuniary power complex discloses a startling resemblance to a newly discovered center in the brain-that which is called the pleasure center. So far as is known, this pleasure center performs no useful function in the organism, unless it should prove that in some still obscure way it plays a part in more functional pleasure reactions. But in laboratory monkeys this localized center can be penetrated by electrodes which permit a micro-current to stimulate the nervous tissue in such a fashion that the flow of current-and hence the intensity of pleasure-can be regulated by the animal himself. Apparently the stimulation of this pleasure center is so rewarding that the animal will continue to press the current regulator for an indefinite length of time, regardless of every other impulse or physiological need, even that for food, and even to the point of starvation. The intensity of this abstract stimulus produces something like a total neurotic insensibility to life needs. The power complex seems to operate on the same principle. The magical electronic stimulus is money. What increases the resemblance between this pecuniary motivation and that of the cerebral pleasure center is that both centers, unlike virtually all organic reactions, recognize no quantitative limits. What has always been true of money, among those susceptible to its influence, applies equally to the other components of the power complex: the abstraction replaces the concrete reality, and therefore those who seek to increase it never know when they have had enough. Each of these drives, for power, for goods, for fame, for pleasure, may-it goes without saying-have as useful a part to play in the normal economy of a community as in the human body itself. It is by their detachment, their isolation, their quantitative over-concentration, and their mutual re-enforcement that they become perverse and life-corroding.

As I saw it, there was a 75 percent chance the Fed’s efforts would fall short and the economy would move into failure; a 20 percent chance it would initially succeed at stimulating the economy but still ultimately fail; and a 5 percent chance it would provide enough stimulus to save the economy but trigger hyperinflation. To hedge against the worst possibilities, I bought gold and T-bill futures as a spread against eurodollars, which was a limited-risk way of betting on credit problems increasing. I was dead wrong. After a delay, the economy responded to the Fed’s efforts, rebounding in a noninflationary way. In other words, inflation fell while growth accelerated. The stock market began a big bull run, and over the next eighteen years the U.S. economy enjoyed the greatest noninflationary growth period in its history. How was that possible? Eventually, I figured it out. As money poured out of these borrower countries and into the U.S., it changed everything. It drove the dollar up, which produced deflationary pressures in the U.S., which allowed the Fed to ease interest rates without raising inflation. This fueled a boom. The banks were protected both because the Federal Reserve loaned them cash and the creditors’ committees and international financial restructuring organizations such as the International Monetary Fund (IMF) and the Bank for International Settlements arranged things so that the debtor nations could pay their debt service from new loans. That way everyone could pretend everything was fine and write down those loans over many years. My experience over this period was like a series of blows to the head with a baseball bat. Being so wrong—and especially so publicly wrong—was incredibly humbling and cost me just about everything I had built at Bridgewater. I saw that I had been an arrogant jerk who was totally confident in a totally incorrect view. So there I was after eight years in business, with nothing to show for it. Though I’d been right much more than I’d been wrong, I was all the way back to square one.

But being short something where your loss is unlimited is quite different than being long something that you’ve already paid for. And it’s tempting. You see way more stocks that are dramatically overvalued in your career than you will see stocks that are dramatically undervalued. I mean there — it’s the nature of securities markets to occasionally promote various things to the sky, so that securities will frequently sell for 5 or 10 times what they’re worth, and they will very, very seldom sell for 20 percent or 10 percent of what they’re worth. So, therefore, you see these much greater discrepancies between price and value on the overvaluation side. So you might think it’s easier to make money on short selling. And all I can say is, it hasn’t been for me. I don’t think it’s been for Charlie. It is a very, very tough business because of the fact that you face unlimited losses, and because of the fact that people that have overvalued stocks — very overvalued stocks — are frequently on some scale between promoter and crook. And that’s why they get there. And once there — And they also know how to use that very valuation to bootstrap value into the business, because if you have a stock that’s selling at 100 that’s worth 10, obviously it’s to your interest to go out and issue a whole lot of shares. And if you do that, when you get all through, the value can be 50. In fact, there’s a lot of chain letter-type stock promotions that are sort of based on the implicit assumption that the management will keep doing that. And if they do it once and build it to 50 by issuing a lot of shares at 100 when it’s worth 10, now the value is 50 and people say, “Well, these guys are so good at that. Let’s pay 200 for it or 300,” and then they could do it again and so on. It’s not usually that — quite that clear in their minds. But that’s the basic principle underlying a lot of stock promotions. And if you get caught up in one of those that is successful, you know, you can run out of money before the promoter runs out of ideas. In the end, they almost always work. I mean, I would say that, of the things that we have felt like shorting over the years, the batting average is very high in terms of eventual — that they would work out very well eventually if you held them through. But it is very painful and it’s — in my experience, it was a whole lot easier to make money on the long side.

If the claims of the papacy cannot be proven from what we know of the historical Peter, there are, on the other hand, several undoubted facts in the real history of Peter which bear heavily upon those claims, namely: 1. That Peter was married, Matt. 8:14, took his wife with him on his missionary tours, 1 Cor. 9:5, and, according to a possible interpretation of the "coëlect" (sister), mentions her in 1 Pet. 5:13. Patristic tradition ascribes to him children, or at least a daughter (Petronilla). His wife is said to have suffered martyrdom in Rome before him. What right have the popes, in view of this example, to forbid clerical marriage?  We pass by the equally striking contrast between the poverty of Peter, who had no silver nor gold (Acts 3:6) and the gorgeous display of the triple-crowned papacy in the middle ages and down to the recent collapse of the temporal power. 2. That in the Council at Jerusalem (Acts 15:1–11), Peter appears simply as the first speaker and debater, not as president and judge (James presided), and assumes no special prerogative, least of all an infallibility of judgment. According to the Vatican theory the whole question of circumcision ought to have been submitted to Peter rather than to a Council, and the decision ought to have gone out from him rather than from "the apostles and elders, brethren" (or "the elder brethren," 15:23). 3. That Peter was openly rebuked for inconsistency by a younger apostle at Antioch (Gal. 2:11–14). Peter’s conduct on that occasion is irreconcilable with his infallibility as to discipline; Paul’s conduct is irreconcilable with Peter’s alleged supremacy; and the whole scene, though perfectly plain, is so inconvenient to Roman and Romanizing views, that it has been variously distorted by patristic and Jesuit commentators, even into a theatrical farce gotten up by the apostles for the more effectual refutation of the Judaizers! 4. That, while the greatest of popes, from Leo I. down to Leo XIII. never cease to speak of their authority over all the bishops and all the churches, Peter, in his speeches in the Acts, never does so. And his Epistles, far from assuming any superiority over his "fellow-elders" and over "the clergy" (by which he means the Christian people), breathe the spirit of the sincerest humility and contain a prophetic warning against the besetting sins of the papacy, filthy avarice and lordly ambition (1 Pet. 5:1–3). Love of money and love of power are twin-sisters, and either of them is "a root of all evil." It is certainly very significant that the weaknesses even more than the virtues of the natural Peter—his boldness and presumption, his dread of the cross, his love for secular glory, his carnal zeal, his use of the sword, his sleepiness in Gethsemane—are faithfully reproduced in the history of the papacy; while the addresses and epistles of the converted and inspired Peter contain the most emphatic protest against the hierarchical pretensions and worldly vices of the papacy, and enjoin truly evangelical principles—the general priesthood and royalty of believers, apostolic poverty before the rich temple, obedience to God rather than man, yet with proper regard for the civil authorities, honorable marriage, condemnation of mental reservation in Ananias and Sapphira, and of simony in Simon Magus, liberal appreciation of heathen piety in Cornelius, opposition to the yoke of legal bondage, salvation in no other name but that of Jesus Christ.

The normative principle I am suggesting for the law is simply this: No action should be considered illicit or illegal unless it invades, or aggresses against, the person or just property of another. Only invasive actions should be declared illegal, and combated with the full power of the law. The invasion must be concrete and physical. There are degrees of seriousness of such invasion, and hence, different proper degrees of restitution or punishment. "Burglary," simple invasion of property for purposes of theft, is less serious than "robbery," where armed force is likely to be used against the victim. Here, however, we are not concerned with the questions of degrees of invasion or punishment, but simply with invasion per se. If no man may invade another person's "just" property, what is our criterion of justice to be? There is no space here to elaborate on a theory of justice in property titles. Suffice it to say that the basic axiom of libertarian political theory holds that every man is a selfowner, having absolute jurisdiction over his own body. In effect, this means that no one else may justly invade, or aggress against, another's person. It follows then that each person justly owns whatever previously unowned resources he appropriates or "mixes his labor with." From these twin axioms — self-ownership and "homesteading" — stem the justification for the entire system of property rights titles in a free-market society. This system establishes the right of every man to his own person, the right of donation, of bequest (and, concomitantly, the right to receive the bequest or inheritance), and the right of contractual exchange of property titles. Legal and political theory have committed much mischief by failing to pinpoint physical invasion as the only human action that should be illegal and that justifies the use of physical violence to combat it. The vague concept of "harm" is substituted for the precise one of physical violence. Consider the following two examples. Jim is courting Susan and is just about to win her hand in marriage, when suddenly Bob appears on the scene and wins her away. Surely Bob has done great "harm" to Jim. Once a nonphysical-invasion sense of harm is adopted, almost any outlaw act might be justified. Should Jim be able to "enjoin" Bob's very existence? Similarly, A is a successful seller of razor blades. But then B comes along and sells a better blade, teflon-coated to prevent shaving cuts. The value of A's property is greatly affected. Should he be able to collect damages from B, or, better yet, to enjoin B's sale of a better blade? The correct answer is not that consumers would be hurt if they were forced to buy the inferior blade, although that is surely the case. Rather, no one has the right to legally prevent or retaliate against "harms" to his property unless it is an act of physical invasion. Everyone has the right to have the physical integrity of his property inviolate; no one has the right to protect the value of his property, for that value is purely the reflection of what people are willing to pay for it. That willingness solely depends on how they decide to use their money. No one can have a right to someone else's money, unless that other person had previously contracted to transfer it to him. Legal and political theory have committed much mischief by failing to pinpoint physical invasion as the only human action that should be illegal and that justifies the use of physical violence to combat it. (1/2)

These senators and representatives call themselves “leaders.” One of the primary principles of leadership is that a leader never asks or orders any follower to do what he or she would not do themselves. Such action requires the demonstration of the acknowledged traits of a leader among which are integrity, honesty, and courage, both physical and moral courage. They don’t have those traits nor are they willing to do what they ask and order. Just this proves we elect people who shouldn’t be leading the nation. When the great calamity and pain comes, it will have been earned and deserved. The piper always has to be paid at the end of the party. The party is about over. The bill is not far from coming due. Everybody always wants the guilty identified. The culprits are we the people, primarily the baby boom generation, which allowed their vote to be bought with entitlements at the expense of their children, who are now stuck with the national debt bill that grows by the second and cannot be paid off. These follow-on citizens—I call them the screwed generation—are doomed to lifelong grief and crushing debt unless they take the only other course available to them, which is to repudiate that debt by simply printing up $20 trillion, calling in all federal bills, bonds, and notes for payoff, and then changing from the green dollar to say a red dollar, making the exchange rate 100 or 1000 green dollars for 1 red dollar or even more to get to zero debt. Certainly this will create a great international crisis. But that crisis is coming anyhow. In fact it is here already. The U.S. has no choice but to eventually default on that debt. This at least will be a controlled default rather than an uncontrolled collapse. At present it is out of control. Congress hasn’t come up with a budget in 3 years. That’s because there is no way at this point to create a viable budget that will balance and not just be a written document verifying that we cannot legitimately pay our bills and that we are on an ever-descending course into greater and greater debt. A true, honest budget would but verify that we are a bankrupt nation. We are repeating history, the history we failed to learn from. The history of Rome. Our TV and video games are the equivalent distractions of the Coliseums and circus of Rome. Our printing and borrowing of money to cover our deficit spending is the same as the mixing and devaluation of the gold Roman sisteri with copper. Our dysfunctional and ineffectual Congress is as was the Roman Senate. Our Presidential executive orders the same as the dictatorial edicts of Caesar. Our open borders and multi-millions of illegal alien non-citizens the same as the influx of the Germanic and Gallic tribes. It is as if we were intentionally following the course written in The History of the Decline and Fall of the Roman Empire. The military actions, now 11 years in length, of Iraq and Afghanistan are repeats of the Vietnam fiasco and the RussianAfghan incursion. Our creep toward socialism is no different and will bring the same implosion as socialism did in the U.S.S.R. One should recognize that the repeated application of failed solutions to the same problem is one of the clinical definitions of insanity. * * * I am old, ill, physically used up now. I can’t have much time left in this life. I accept that. All born eventually die and with the life I’ve lived, I probably should have been dead decades ago. Fate has allowed me to screw the world out of a lot of years. I do have one regret: the future holds great challenge. I would like to see that challenge met and overcome and this nation restored to what our founding fathers envisioned. I’d like to be a part of that. Yeah. “I’d like to do it again.” THE END PHOTOS Daniel Hill 1954 – 15

Colonial Policy and Practice: A Comparative Study of Burma and Netherlands India by J. S. Furnivall Quoting page 85-87: Lower Burma when first occupied … was a vast deltaic plain of swamp and jungle, with a secure rainfall; when the opening of the canal created a market for rice, this wide expanse of land was rapidly reclaimed by small cultivators … Formerly, the villager in Lower Burma, like peasants in general, cultivated primarily for home consumption, and it has always been the express policy of the Government to encourage peasant proprietorship. Land in the delta was abundant … The opening of the canal provided a certain and profitable market for as much rice as people could grow. … men from Upper Burma crowded down to join in the scramble for land. In two or three years a labourer could save out of his wages enough money to buy cattle and make a start on a modest scale as a landowner. … The land had to be cleared rapidly and hired labour was needed to fell the heavy jungle. In these circumstances newly reclaimed land did not pay the cost of cultivation, and there was a general demand for capital. Burmans, however, lacked the necessary funds, and had no access to capital. They did not know English or English banking methods, and English bankers knew nothing of Burmans or cultivation. … in the ports there were Indian moneylenders of the chettyar caste, amply provided with capital and long accustomed to dealing with European banks in India. About 1880 they began to send out agents into the villages, and supplied the people with all the necessary capital, usually at reasonable rates and, with some qualifications, on sound business principles. … now the chettyars readily supplied the cultivators with all the money that they needed, and with more than all they needed. On business principles the money lender preferred large transactions, and would advance not merely what the cultivator might require but as much as the security would stand. Naturally, the cultivator took all that he could get, and spent the surplus on imported goods. The working of economic forces pressed money on the cultivator; to his own discomfiture, but to the profit of the moneylenders, of European exporters who could ensure supplies by giving out advances, of European importers whose cotton goods and other wares the cultivator could purchase with the surplus of his borrowings, and of the banks which financed the whole economic structure. But at the first reverse, with any failure of the crop, the death of cattle, the illness of the cultivator, or a fall of prices, due either to fluctuations in world prices or to manipulation of the market by the merchants, the cultivator was sold up, and the land passed to the moneylender, who found some other thrifty labourer to take it, leaving part of the purchase price on mortgage, and with two or three years the process was repeated. … As time went on, the purchasers came more and more to be men who looked to making a livelihood from rent, or who wished to make certain of supplies of paddy for their business. … Others also, merchants and shopkeepers, bought land, because they had no other investment for their profits. These trading classes were mainly townsfolk, and for the most part Indians or Chinese. Thus, there was a steady growth of absentee ownership, with the land passing into the hands of foreigners. Usually, however, as soon as one cultivator went bankrupt, his land was taken over by another cultivator, who in turn lost with two or three years his land and cattle and all that he had saved. [By the 1930s] it appeared that practically half the land in Lower Burma was owned by absentees, and in the chief rice-producing districts from two-thirds to nearly three-quarters. … The policy of conserving a peasant proprietary was of no avail against the hard reality of economic forces…

If you have a traditional fixed-rate mortgage, all you have to do is make early principal payments over the life of the loan. Prepay your next month’s principal, and you could pay off a 30-year mortgage in 15 years in many cases! Does that mean double your monthly payments? No, not even close! Here’s the key: Money Power Principle 3. Cut your mortgage payments in half! The next time you write your monthly mortgage check, write a second check for the principal-only portion of next month’s payment. It’s money you’ll have to pay anyway the following month, so why not take it out of your pocket a couple of weeks early and enjoy some serious savings down the road? Fully 80% to 90%, and in some cases even more, of your early payments will be interest expense anyway. And on average, most Americans either move or refinance within five to seven years (and then start the insanity all over again with a new home mortgage). “It’s a pity,” mortgage expert Marc Eisenson, author of The Banker’s Secret, told the New York Times. “There are millions of people out there who faithfully make their regular mortgage payments because they don’t understand . . . the benefits of pocket-change prepayments.

As a servant of God, Paul has stewardship over his converts to receive money from them but would abuse that stewardship by receiving payment for a gospel that is not his to sell.

18. The Political Left/Right Cycle. Capitalists (i.e., those of the right) and socialists (i.e., those of the left) don’t just have different self-interests—they have different deep-seated ideological beliefs that they are willing to fight for. The typical perspective of the rightist/capitalist is that self-sufficiency, hard work, productivity, limited government interference, allowing people to keep what they make, and individual choice are morally good and good for society. They also believe that the private sector works better than the public sector, that capitalism works best for most people, and that self-made billionaires are the biggest contributors to society. Capitalists are typically driven crazy by financial supports for people who lack productivity and profitability. To them, making money = being productive = getting what one deserves. They don’t pay much attention to whether the economic machine is producing opportunity and prosperity for most people. They can also overlook the fact that their form of profit making is suboptimal when it comes to achieving the goals of most people. For example, in a purely capitalist system, the provision of excellent public education—which is clearly a leading cause of higher productivity and greater wealth across a society—is not a high priority. The typical perspective of the leftist/socialist is that helping each other, having the government support people, and sharing wealth and opportunity are morally good and good for society. They believe that the private sector is by and large run by capitalists who are greedy, while common workers, such as teachers, firefighters, and laborers, contribute more to society. Socialists and communists tend to focus on dividing the pie well and typically aren’t very good at increasing its size. They favor more government intervention, believing those in government will be fairer than capitalists, who are simply trying to exploit people to make more money. I’ve had exposure to all kinds of economic systems all over the world and have seen why the ability to make money, save it, and put it into capital (i.e., capitalism) is an effective motivator of people and allocator of resources that raises people’s living standards. But capitalism is also a source of wealth and opportunity gaps that are unfair, can be counterproductive, are highly cyclical, and can be destabilizing. In my opinion, the greatest challenge for policy makers is to engineer a capitalist economic system that raises productivity and living standards without worsening inequities and instabilities. 21.

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

By the first day of January, 19.., I will have in my possession $50, 000, which will come to me in various amounts from time to time during the interim. “In return for this money I will give the most efficient service of which I am capable, rendering the fullest possible quantity, and the best possible quality of service in the capacity of salesman of . . . . . . . . . . . (describe the service or merchandise you intend to sell). “I believe that I will have this money in my possession. My faith is so strong that I can now see this money before my eyes. I can touch it with my hands. It is now awaiting transfer to me at the time, and in the proportion that I deliver the service I intend to render in return for it. I am awaiting a plan by which to accumulate this money, and I will follow that plan, when it is received.” Second. Repeat this program night and morning until you can see, (in your imagination) the money you intend to accumulate. Third. Place a written copy of your statement where you can see it night and morning, and read it just before retiring, and upon arising until it has been memorized. Remember, as you carry out these instructions, that you are applying the principle of auto-suggestion, for the purpose of giving orders to your subconscious mind. Remember, also, that your subconscious mind will act ONLY upon instructions which are emotionalized, and handed over to it with “feeling.” FAITH is the strongest, and most productive of the emotions. Follow the instructions given in the chapter on FAITH.

In times of strife, taliban have usually mobilized in defense of tradition. British documents from as early as 1901 decry taliban opposition to colonialism in present-day Pakistan. However, as with so much else, it was the Soviet invasion and the US response that sent the transformative shock. In the 1980s, as guns and money coursed through the ranks of the Kandahar mujahedeen, squabbling over resources grew so frequent that many increasingly turned to religious law to settle their disputes. Small, informal bands of taliban, who were also battling against the Russians, established religious courts that heard cases from feuding fighters from across the south. Seemingly impervious to the lure of foreign riches, the taliban courts were in many eyes the last refuge of tradition in a world in upheaval. ... Thousands of talibs rallied to the cause, and an informal, centuries-old phenomenon of the Pashtun countryside morphed into a formal political and military movement, the Taliban. As a group of judges and legal-minded students, the Taliban applied themselves to the problem of anarchy with an unforgiving platform of law and order. The mujahedeen had lost their way, abandoned their religious principles, and dragged society into a lawless pit. So unlike most revolutionary movements, Islamic or otherwise, the Taliban did not seek to overthrow an existing state and substitute it with one to their liking. Rather, they sought to build a new state where none existed. This called for “eliminating the arbitrary rule of the gun and replacing it with the rule of law—and for countryside judges who had arisen as an alternative to a broken tribal system, this could only mean religious law. Jurisprudence is thus part of the Taliban’s DNA, but its single-minded pursuit was carried out to the exclusion of all other aspects of basic governance. It was an approach that flirted dangerously with the wrong kind of innovation: in the countryside, the choice was traditionally yours whether to seek justice in religious or in tribal courts, yet now the Taliban mandated religious law as the compulsory law of the land. It is true that, given the nature of the civil war, any law was better than none at all—but as soon as things settled down, fresh problems arose. The Taliban’s jurisprudence was syncretic, mixing elements from disparate schools of Islam along with heavy doses of traditional countryside Pashtun practice that had little to do with religion. As a result, once the Taliban marched beyond the rural Pashtun belt and into cities like Kabul or the ethnic minority regions of northern Afghanistan, they encountered a resentment that rapidly bred opposition.

Actually,” he said, “that brings me to the subject of this meeting, your future.” “It’s secure as long as there’s crime in the streets.” “There’s crime in the boardrooms, too, Henry. My firm is interested in hiring an associate with a criminal law background. I’ve circulated your name. People are impressed.” “Why would your firm dirty its hands in criminal practice?” Gold put his coffee cup down and said, “Corporations consist of people, some of whom are remarkably venal. Others still are just plain stupid. Anyway, they’ve come to us often enough needing a criminal defense lawyer to make it worth our while to hire one. We’d start you as a third-year associate, at sixty thousand a year.” I answered quickly, “Well, thanks for thinking of me, but I’m not interested.” Gold said, “Look, if it’s the money, I know you deserve more, but that’s just starting pay.” “You know it’s not the money, Aaron,” I said, reflecting that the sum he named was almost double my present wage. He sighed and said, “Henry, don’t tell me it’s the principle.” I said nothing. “You’re wasting yourself in the public defender’s office. You knock yourself out for some little creep and what you get in return is a shoebox of an office and less money than a first-year associate at my firm makes.” “So I should exchange it for a bigger office and more money and the opportunity to defend some rising young executive who gets busted for drunk driving?” “Why not? Aren’t the rich entitled to as decent a defense as the poor?” “You never hear much public outcry over the quality of legal representation of the rich.

That night, they sat around the hotel room with a bottle of tequila and some salt and limes and talked about names for the new real estate company. A few ideas sprang up right away but got rejected just as fast. A half bottle of tequila later, the name "Real Estate Maximums Incorporated" was tossed around as a possibility. Nobody spoke for a moment because everyone liked it. Maximums meant that everyone would get the most out of the relationship-real estate agents and customers alike. The name did a good job of communicating the everybody wins principle at the heart of the endeavor. But after a few more minutes, they realized it didn't quite work. It wasn't snappy enough for a good brand name, and it was too long to fit on a real estate sign. More tequila got poured. No one could come up with another name that felt as on-target as Real Estate Maximums. Someone suggested shortening it to R. E. Max. That made it snappier and appealing in a brand name sense; but when you wrote it out, it looked too much like a real person's name. You could imagine junk mail arriving at the office in care of Mr. and Mrs. R. E. Max. Collins pointed out that Exxon had formed only a few years before, and the X with a slash through it looked very smart. So Liniger took out the dots and tried a slash through the middle of the word and then capitalized all the letters. They looked at the pad of paper and saw: RE/MAX. A silence came over them, followed by a few backslaps and cheers. Everything about the word looked exactly right, as though they were talking about an established global company. Now, what about colors? They were on a roll. Now was no time to stop. A few more shots of tequila went around while they debated the right look for the new RE/MAX. It didn't take long to figure it out: Everyone in the room was a Vietnam vet and patriotic to the core. The colors, of course, had to be red, white, and blue. When they considered the whole package, they knew they had it. And that's how the idea for the distinctive RE/MAX brand was hatched. Considering the time and resources that get poured into brand development today, their methods might seem unorthodox if admirably effective. No money was spent on advertising agencies, market research, or trademark protection. The only investment was a decent bottle of tequila; the only focus group, a bunch of guys sitting around a room having a good laugh.

secret 1984 work plan showed. The KGB’s “global priorities” included a long list of active measures. These were to be done covertly. According to Andrew and Gordievsky, the second-most-important priority was to “deepen disagreements inside NATO over its approach to implementing specific aspects of the bloc’s military policy.” And: “exacerbating contradictions between the USA, Western Europe and Japan on other matters of principle.” The Times reported that Trump had recently returned from Russia.

There were certainly multiple factors contributing to these men’s post-moonwalk slump, but the question What do you do after walking on the moon? became a gigantic speed bump. The trouble with moonwalkers and billionaires is when they arrive at the top, their momentum often stops. If they don’t manage to find something to parlay, they turn into the kid on the jungle gym who just hangs from the ring. Not coincidentally, this is the same reason that only one-third of Americans are happy at their jobs. When there’s no forward momentum in our careers, we get depressed, too. As Newton pointed out, an object at rest tends to stay at rest. So how does one avoid billionaire’s depression? Or regular person’s stuck-in-a-dead-end-job, lack-of-momentum-fueled depression? Harvard Business School professor Teresa Amabile took on the question in the mid-2000s in a research study of white-collar employees. She tasked 238 pencil pushers in various industries to keep daily work diaries. The workers answered open-ended questions about how they felt, what events in their days stood out. Amabile and her fellow researchers then dissected the 12,000 resulting entries, searching for patterns in what affects people’s “inner” work lives the most dramatically. The answer, it turned out, is simply progress. A sense of forward motion. Regardless how small. And that’s the interesting part. Amabile found that minor victories at work were nearly as psychologically powerful as major breakthroughs. To motivate stuck employees, as Amabile and her colleague Steven J. Kramer suggest in their book, The Progress Principle, businesses need to help their workers experience lots of tiny wins. (And as we learned from the bored BYU students in chapter 1, breaking up big challenges into tiny ones also speeds up progress.) This is helpful to know when motivating employees. But it also hints at what billionaires and astronauts can do to stave off the depression that follows the high of getting to the top. To get out of the funk, say Joan DiFuria and Stephen Goldbart, cofounders of the Money, Meaning & Choices Institute, depressed successes simply have to start the Olympic rings over. Some use their money to create new businesses. Others parlay sideways and get into philanthropy. And others simply pick up hobbies that take time to master. Even if the subsequent endeavors are smaller than their previous ones, the depression dissipates as they make progress.

Physical Invasion The normative principle I am suggesting for the law is simply this: No action should be considered illicit or illegal unless it invades, or aggresses against, the person or just property of another. Only invasive actions should be declared illegal, and combated with the full power of the law. The invasion must be concrete and physical. There are degrees of seriousness of such invasion, and hence, different proper degrees of restitution or punishment. "Burglary," simple invasion of property for purposes of theft, is less serious than "robbery," where armed force is likely to be used against the victim. Here, however, we are not concerned with the questions of degrees of invasion or punishment, but simply with invasion per se. If no man may invade another person's "just" property, what is our criterion of justice to be? There is no space here to elaborate on a theory of justice in property titles. Suffice it to say that the basic axiom of libertarian political theory holds that every man is a selfowner, having absolute jurisdiction over his own body. In effect, this means that no one else may justly invade, or aggress against, another's person. It follows then that each person justly owns whatever previously unowned resources he appropriates or "mixes his labor with." From these twin axioms — self-ownership and "homesteading" — stem the justification for the entire system of property rights titles in a free-market society. This system establishes the right of every man to his own person, the right of donation, of bequest (and, concomitantly, the right to receive the bequest or inheritance), and the right of contractual exchange of property titles. Legal and political theory have committed much mischief by failing to pinpoint physical invasion as the only human action that should be illegal and that justifies the use of physical violence to combat it. The vague concept of "harm" is substituted for the precise one of physical violence. Consider the following two examples. Jim is courting Susan and is just about to win her hand in marriage, when suddenly Bob appears on the scene and wins her away. Surely Bob has done great "harm" to Jim. Once a nonphysical-invasion sense of harm is adopted, almost any outlaw act might be justified. Should Jim be able to "enjoin" Bob's very existence? Similarly, A is a successful seller of razor blades. But then B comes along and sells a better blade, teflon-coated to prevent shaving cuts. The value of A's property is greatly affected. Should he be able to collect damages from B, or, better yet, to enjoin B's sale of a better blade? The correct answer is not that consumers would be hurt if they were forced to buy the inferior blade, although that is surely the case. Rather, no one has the right to legally prevent or retaliate against "harms" to his property unless it is an act of physical invasion. Everyone has the right to have the physical integrity of his property inviolate; no one has the right to protect the value of his property, for that value is purely the reflection of what people are willing to pay for it. That willingness solely depends on how they decide to use their money. No one can have a right to someone else's money, unless that other person had previously contracted to transfer it to him. "Legal and political theory have committed much mischief by failing to pinpoint physical invasion as the only human action that should be illegal and that justifies the use of physical violence to combat it.

The Steyer brothers deplore the Koch brothers’ big-money contributions, as they seek to trump them. That the formers’ money in part derives from coal investments matters little given their green intentions. The media are furious over rumor-mongering about Hillary Clinton’s health, but that is an ad hoc concern, not one born of principle about leaving the private health issues of public figures alone, given that they not long ago gladly trafficked in sick rumors about Sarah Palin’s supposed faked pregnancy.

MANAGING GOD’S MONEY Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine. Proverbs 3:9–10 This concept of fiscal responsibility was not lost on me as governor of Alaska. That’s why I used my line-item veto to cut spending by almost 10 percent. I rejected a pay raise. (As mayor, I took a voluntary pay cut.) I invested billions of dollars in state savings. I forward-funded education. See, I knew the resources were not mine to squander and that I had to do right by the people who hired me. Alaska reaped the benefits of that fiscal responsibility: during my tenure, both Standard & Poor’s and Moody’s upgraded Alaska’s credit rating. Our politicians in Washington should be so wise with taxpayer dollars because what’s good for an individual, family, and state is also good for a nation; God’s principles apply across the board. Wasteful spending that robs the American people—like $500,000 to study shrimp on a treadmill, or subsidizing the annual National Cowboy Poetry Gathering in Senator Harry Reid’s state of Nevada—doesn’t seem to qualify as the fiscal responsibility this Scripture describes. And funding Planned Parenthood certainly does not honor God—fiscally or morally. SWEET FREEDOM IN Action What’s in your hand is not yours. It’s a loan. God expects you to be obedient and wise with what He’s allowed you to manage. Today, honor Him for His blessings and pray America does the same.

British elections are mean-spirited and meretricious affairs that reveal what the country has become in its post-imperial form. In them, the focus flits between mercenary discussion of what the government is going to give the people and petty bickering over inconsequential details such as which schools the candidates went to and how much money they have. Few principles are at stake because classical liberalism is largely dead, so debates ultimately boil down to the question of who is going to run the welfare system more efficiently. The candidates’ arguments are full of nebulous, slippery words, such as 'fairness' and 'investment' — and the never-ending substitution of the word 'community' for “government.” You would never hear Kennedy’s famous 'Ask not what your country can do for you' line in a British political context because nobody would understand what he was talking about.

Well, nothing’s a life or death struggle anymore, is it? The era of honor and sacrifice is over.” I looked again at the O’Brian novels, lined up in order. “Jack Aubrey’s full of human failings—so’s Maturin—but they have principles, and they’d give their lives for them. Or for each other. Now it’s all about money and status and celebrity. Not that people haven’t always cared about those things, but it used to be considered venal, didn’t it?” I shrugged. “It’s like nobody bothers to grow up anymore. We just want to be kids all our lives. Collecting toys, having fun.

How Long Will It Take? You can’t blame people for wanting instant results. Time is money, and quickness, especially quick OODA loops, is good. But when it comes to adopting maneuver conflict / Boyd’s principles to your business, there is a lot to be learned and a lot to be done. Consider that: •   According to its principle creator, Taiichi Ohno, it took 28 years (1945-1973) to create and install the Toyota Production System, which is maneuver conflict applied to manufacturing. •   It takes roughly 15 years of experience—and recognition as a leader in one’s technical field—to qualify as a susha (development manager) for a new Toyota vehicle.150 •   Studies of people regarded as the top experts in a number of fields suggest that they practice about four hours a day, virtually every day, for 10 years before they achieve a recognized level of mastery.151 •   It takes a minimum of 8 years beyond a bachelor’s degree to train a surgeon (4 years medical school and 4 or more years of residency.) •   It takes four to six years on the average beyond a bachelor’s degree to complete a Ph.D. •   It takes three years or so to earn a black belt (first degree) in the martial arts and four to six years beyond that to earn third degree, assuming you are in good physical condition to begin with. •   It takes a bare minimum of five years military service to qualify for the Special Forces “Green Beret” (minimum rank of corporal / captain with airborne qualification, then a 1-2 year highly rigorous and selective training program.) •   It takes three years to achieve proficiency as a first level leader in an infantry unit—a squad leader.152 It is no less difficult to learn to fashion an elite, highly competitive company. Yet for some reason, otherwise intelligent people sometimes feel they should be able to attend a three-day seminar and return home experts in maneuver conflict as applied to business. An intensive orientation session may get you started, but successful leaders study their art for years—Patton, Rommel, and Grant were all known for the intensity with which they studied military history and current campaigns. Then-LTC David Hackworth had commanded 10 other units before taking over the 4th Battalion, 39th Infantry in Vietnam in 1969, as he described in Steel My Soldiers’ Hearts. You may also recall the scene in We Were Soldiers where LTC Hal Moore unloaded armfuls of strategy and history books as he was moving into his quarters at Ft. Benning. At that point, he had been in the Army 20 years and had commanded at every level from platoon to battalion.

Although technological and organizational changes have made giving more advantageous, there’s one feature of giving that’s more timeless: when we reflect on our guiding principles in life, many of us are intuitively drawn to giving. Over the past three decades, the esteemed psychologist Shalom Schwartz has studied the values and guiding principles that matter to people in different cultures around the world. One of his studies surveyed reasonably representative samples of thousands of adults in Australia, Chile, Finland, France, Germany, Israel, Malaysia, the Netherlands, South Africa, Spain, Sweden, and the United States. He translated his survey into a dozen languages, and asked respondents to rate the importance of different values. Here are a few examples: List 1 Wealth (money, material possessions) Power (dominance, control over others) Pleasure (enjoying life) Winning (doing better than others) List 2 Helpfulness (working for the well-being of others) Responsibility (being dependable) Social justice (caring for the disadvantaged) Compassion (responding to the needs of others) Takers favor the values in List 1, whereas givers prioritize the values in List 2. Schwartz wanted to know where most people would endorse giver values. Take a look back at the twelve countries above. Where do the majority of people endorse giver values above taker values? All of them. In all twelve countries, most people rate giving as their single most important value.

Hamilton was more persuasive than he realized, and a delegation of business leaders soon approached him to subscribe to a “money-bank” that would thwart Livingston’s land bank. “I was a little embarrassed how to act,” Hamilton confessed sheepishly to Church, “but upon the whole I concluded it best to fall in with them.” 51 Instead of launching a separate bank, Hamilton decided to represent Church and Wadsworth on the board of the new bank. Ironically, he held in his own name only a single share of the bank that was long to be associated with his memory. On February 23, 1784, The New-York Packet announced a landmark gathering: “It appearing to be the disposition of the gentlemen in this city to establish a bank on liberal principles . . . they are therefore hereby invited to meet tomorrow evening at six o’clock at the Merchant’s Coffee House, where a plan will be submitted to their consideration.” 52 At the meeting, General Alexander McDougall was voted the new bank’s chairman and Hamilton a director. Snatching an interval of leisure during the next three weeks, Hamilton drafted, singlehandedly, a constitution for the new institution—the sort of herculean feat that seems almost commonplace in his life. As architect of New York’s first financial firm, he could sketch freely on a blank slate. The resulting document was taken up as the pattern for many subsequent bank charters and helped to define the rudiments of American banking. In the superheated arena of state politics, the bank generated fierce controversy among those upstate rural interests who wanted a land bank and believed that a money bank would benefit urban merchants to their detriment. Within the city, however, the cause of the Bank of New York made improbable bedfellows, reconciling radicals and Loyalists who were sparring over the treatment of confiscated wartime properties.

This led the British economist John Maynard Keynes, writing on ‘Economic Possibilities for our Grandchildren’ in 1930, to hope that: When the accumulation of wealth is no longer of high social importance, there will be great changes in the code of morals. We shall be able to rid ourselves of many of the pseudo-moral principles which have hag-ridden us for two hundred years, by which we have exalted some of the most distasteful of human qualities into the position of the highest virtues. We shall be able to afford to dare to assess the money motive at its true value. The love of money as a possession – as distinguished from the love of money as a means to the enjoyments and realities of life – will be recognized for what it is, a somewhat disgusting morbidity, one of those semi-criminal, semi-pathological propensities which one hands over with a shudder to the specialists on mental disease. All kinds of social customs and economic practices, affecting the distribution of wealth and of economic rewards and penalties, which we now maintain at all costs, however distasteful and unjust they may be in themselves, because they are tremendously useful in promoting accumulation of capital, we shall then be free, at last, to discard.2

I now turn to the many individual shares where I have lost money. These failures provide real lessons for the investor because if I had followed my own rules, many losses could and should have been avoided. These can be divided into four main categories: (1) Companies brought down by management/market failure where I had obviously over-rated the ability of individuals. (2) Companies where I failed to heed the warning signs. (3) Companies that were clearly drifting down and where I stayed ahead too long. (4) Companies where I just lost patience or tried to be too clever by buying as they were falling.

Strategy #10 – Saving for Your Child’s Education with Maximum Tax Benefits The challenge I have with government-sponsored educational savings plans is that the government is in control of your money, how you use it, when you use it, and how it’s taxed. For example, in a 529 plan (also called a Coverdell IRA), you can deduct money you contribute to the IRA and then when you use it tax-free for your child’s education. Sounds almost too good to be true, doesn’t it? What sort of limitations do you think the government places on these funds in order to control your money? First, they control how much you can contribute. Then, they control what you can do with the money in the plan, even controlling how you invest the money. Next, they control what expenses you can pay for with the fund. Only certain educational expenses qualify. Finally, if you don’t use the funds for education, you have only two choices. One choice is to transfer the money to a relative who can use it for their education. The other is to distribute it to yourself and pay taxes and penalties. So, if you make too much money from your investments in the plan, you pay a penalty for not using all of the money for education. What if you could have all of the tax benefits of a 529 plan without giving the government any control over your money? Wouldn’t that be a lot better? In tax strategy #5 we talked about paying your children to work in your business. When I teach this principle in my Tax and Asset Protection class, the question always comes up about what to do with the money you pay them. This is the perfect opportunity to have your children pay for their own education without having to rely on Section 529 plans or other tax-deferred, government controlled educational savings plans. Your children can contribute their money to an LLC, limited partnership, or S corporation that owns a business or investments. Like a 529 plan, you get a deduction when you pay your child a salary. Like a 529 plan, there is no tax to the child when received. Like the 529 plan, with good planning, especially in real estate, there is no tax on the cash flow from the investment. But unlike a 529 plan, you have full control over the investment. Unlike a 529 plan, you can take it out and use it for any expense for your child (except for support, like food and clothing), and you can take it out any time you like. Unlike a 529 plan, there are no penalties for distributing the money or accumulating a huge amount over a lifetime. Now isn’t that a much better plan than a government-controlled savings plan? Stop using government plans and make your own plan. You will have much more control and

The word ambition comes from a Latin word meaning “campaigning for promotion.” The phrase suggests a variety of elements: social visibility and approval, popularity, peer recognition, the exercise of authority over others. Ambitious people, in this sense, enjoy the power that comes with money, prestige, and authority. Jesus had no time for such ego-driven ambitions. The true spiritual leader will never “campaign for promotion.” To His “ambitious” disciples Jesus announced a new standard of greatness: “You know that those who are regarded as rulers of the Gentiles lord it over them, and their high officials exercise authority over them. Not so with you. Instead, whoever wants to become great among you must be your servant, and whoever wants to be first must be slave of all” (Mark 10:42–44).

Note that the Bible talks a lot about money. And a lot of those verses are warnings against the temptations of wealth—how the love of money can corrupt our hearts and destroy our lives. Those warnings are very serious, and we must listen and obey. Money, like anything good in this world, can pulls us away from God and His way. The other day, I was reading a sad report on giving. According to the study, when people's income increases, their giving decreases. Sadly, the poor outgive the rich. Because money can become an idol that we worship. And I'll be the first one to tell you to prioritize peace over prosperity any time of the day. God must be the center of every area of our life, especially our financial life. At the end of the day, only God can satisfy the deepest longings of your life. Very Important Point: As much as there are Success Principles in the Bible, its core message is not how to succeed in your work or finances but in following Jesus and building His Kingdom in this world.

Get over this fact. You will fail.

The Book of Proverbs says, "Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time" (Proverbs 13:11, NLT).

Every year, we send our leaders to attend leadership conferences all over the world. We will always learn from other ministries, churches, and organizations. In the same way, make a personal commitment to learning.

I am an autonomous human being, self-regulating and self-governing, and duty bound to quest for the pure idea of how I wish to exist. I need to make the most of this breath of life while I can. I wish to live mindfully. I seek a roadmap leading to personal enlightenment, a means to live as effortlessly as a cork bobbing on a river, not resisting the flow of the stream, not fighting myself, liberated from the anxiety of foolishly lingering over prior travels, unconcerned where I am at, and accepting without reservation where I am heading without desiring more. A person with a light heart and a sound mind wants for nothing. I seek to travel into the mist of future while conscientiously working towards obtaining spiritual enlightenment. I search to acquire an active and open state of mindfulness, but I must exercise caution in doing so, because any degree of wanting, any foray to acquire money or acclaim, undermines the desire to achieve mental stillness and emotional equanimity. By living in an authentic and spontaneous manner, without striving, without obsessing about the horror of the past and the ambiguity of looming future, and by living exclusively in the now, I hope to experience the universal truths – the ultimate reality of absolute existence – reflective of the true nature of the universe.

TWO FORMS OF IMAGINATION The imaginative faculty functions in two forms. One is known as "synthetic imagination," and the other as "creative imagination." SYNTHETIC IMAGINATION: Through this faculty, one may arrange old concepts, ideas, or plans into new combinations. This faculty creates nothing. It merely works with the material of experience, education, and observation with which it is fed. It is the faculty used most by the inventor, with the exception of the who draws upon the creative imagination, when he cannot solve his problem through synthetic imagination. CREATIVE IMAGINATION:-Through the faculty of creative imagination, the finite mind of man has direct communication with Infinite Intelligence. It is the faculty through which "hunches" and "inspirations" are received. It is by this faculty that all basic, or new ideas are handed over to man. It is through this faculty that thought vibrations from the minds of others are received. It is through this faculty that one individual may "tune in," or communicate with the subconscious minds of other men. The creative imagination works automatically, in the manner described in subsequent pages. This faculty functions ONLY when the conscious mind is vibrating at an exceedingly rapid rate, as for example, when the conscious mind is stimulated through the emotion of a strong desire. The creative faculty becomes more alert, more receptive to vibrations from the sources mentioned, in proportion to its development through USE. This statement is significant! Ponder over it before passing on. Keep in mind as you follow these principles, that the entire story of how one may convert DESIRE into money cannot be told in one statement. The story will be complete, only when one has MASTERED, ASSIMILATED, and BEGUN TO MAKE USE of all the principles. The great leaders of business, industry, finance, and the great artists, musicians, poets, and writers became great, because they developed the faculty of creative imagination. Both the synthetic and creative faculties of imagination become more alert with use, just as any muscle or organ of the body develops through use. Desire is only a thought, an impulse. It is nebulous and ephemeral. It is abstract, and of no value, until it has been transformed into its physical counterpart. While the synthetic imagination is the one which will be used most frequently, in the process of transforming the impulse of DESIRE into money, you must keep in mind the fact, that you may face circumstances and situations which demand use of the creative imagination as well.

More specifically, a) politicians are motivated to prioritize the near term over the long term, b) they don’t like to face limitations and difficult financial trade-offs (e.g., choosing whether to spend on the military for defense or to spend on social programs), and c) it is politically threatening to take money away from people by taxing them. This leads to a host of political and other problems.

it is because of the United States’ great global successes that the US dollar became the world’s dominant reserve currency, which allowed Americans to borrow excessively from the rest of the world (including from China), which put the US in the tenuous position of owing other countries (including China) a lot of money which has put those other countries in the tenuous position of holding the debt of an overly indebted country that is rapidly increasing and monetizing its debt and that pays significantly negative real interest rates to those holding its debt.

Pages 85-87: Lower Burma when first occupied … was a vast deltaic plain of swamp and jungle, with a secure rainfall; when the opening of the canal created a market for rice, this wide expanse of land was rapidly reclaimed by small cultivators … Formerly, the villager in Lower Burma, like peasants in general, cultivated primarily for home consumption, and it has always been the express policy of the Government to encourage peasant proprietorship. Land in the delta was abundant … The opening of the canal provided a certain and profitable market for as much rice as people could grow. … men from Upper Burma crowded down to join in the scramble for land. In two or three years a laborer could save out of his wages enough money to buy cattle and make a start on a modest scale as a landowner. … The land had to be cleared rapidly and hired labor was needed to fell the heavy jungle. In these circumstances newly reclaimed land did not pay the cost of cultivation, and there was a general demand for capital. Burmans, however, lacked the necessary funds, and had no access to capital. They did not know English or English banking methods, and English bankers knew nothing of Burmans or cultivation. … in the ports there were Indian moneylenders of the chettyar caste, amply provided with capital and long accustomed to dealing with European banks in India. About 1880 they began to send out agents into the villages, and supplied the people with all the necessary capital, usually at reasonable rates and, with some qualifications, on sound business principles. … now the chettyars readily supplied the cultivators with all the money that they needed, and with more than all they needed. On business principles the money lender preferred large transactions, and would advance not merely what the cultivator might require but as much as the security would stand. Naturally, the cultivator took all that he could get, and spent the surplus on imported goods. The working of economic forces pressed money on the cultivator; to his own discomfiture, but to the profit of the moneylenders, of European exporters who could ensure supplies by giving out advances, of European importers whose cotton goods and other wares the cultivator could purchase with the surplus of his borrowings, and of the banks which financed the whole economic structure. But at the first reverse, with any failure of the crop, the death of cattle, the illness of the cultivator, or a fall of prices, due either to fluctuations in world prices or to manipulation of the market by the merchants, the cultivator was sold up, and the land passed to the moneylender, who found some other thrifty laborer to take it, leaving part of the purchase price on mortgage, and with two or three years the process was repeated. … As time went on, the purchasers came more and more to be men who looked to making a livelihood from rent, or who wished to make certain of supplies of paddy for their business. … Others also, merchants and shopkeepers, bought land, because they had no other investment for their profits. These trading classes were mainly townsfolk, and for the most part Indians or Chinese. Thus, there was a steady growth of absentee ownership, with the land passing into the hands of foreigners. Usually, however, as soon as one cultivator went bankrupt, his land was taken over by another cultivator, who in turn lost with two or three years his land and cattle and all that he had saved. [By the 1930s] it appeared that practically half the land in Lower Burma was owned by absentees, and in the chief rice-producing districts from two-thirds to nearly three-quarters. … The policy of conserving a peasant proprietary was of no avail against the hard reality of economic forces…

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews? You should pick positive Trustpilot Reviews. With positive reviews to increase the speed of your business page.

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews?

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews? You should pick positive Trustpilot Reviews. With positive reviews to increase the speed of your business page

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews? You should pick positive Trustpilot Reviews. With positive reviews to increase the speed of your business page.

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews? You should pick positive Trustpilot Reviews. With positive reviews to increase the speed of your business page. Which mak

Buy Trustpilot Reviews Are you afraid to our reviews service will be removed? Don’t Worry, We are not like the rest of the fake reviews providers. We provide 100% Non-Drop reviews, Permanent reviews, and Legit Reviews Service. We’re working with the largest team and we’re instant start work after your placing order. So, our Service and enjoy it. Our Service Always Trusted Customers sufficient Guarantee ➤ 100% Customers Satisfaction Guaranteed ➤100% Non-Drop Trustpilot Reviews ➤ Active Trustpilot Reviews ➤Very Cheap Price ➤ High-Quality Service ➤ 100% Money-Back Guarantee ➤ 24/7 Ready to Customer Support ➤ Extra Bonuses for every service If you want to more information just contact now. 24 Hours Reply/Contact ✅E-mail: support@reviewshopusa.net ✅Telegram: @ReviewShopUSA ✅Skype: ReviewShopUSA ✅WhatsApp: +1 (207) 613-6818 What Is Trustpilot Reviews? Trustpilot is the world’s leading independent review platform. Connecting businesses with millions of people around the world. Trustpilot helps businesses grow by connecting them with customers. And enabling customers to share and learn from one another. These connections are at the center of the Trustpilot experience. Which is built on trust and transparency and is accessible to everyone, regardless of location or background. Trustpilot is a platform for consumers to compare, review, and write about businesses. Users can leave reviews, leave comments. And share their experiences with businesses and brands. With Trustpilot, you can collect customer feedback. Analyze consumer sentiment, and manage your reviews across all your online channels. Trustpilot is a review website where customers can leave reviews of their experiences with businesses. These reviews, which are anonymous unless the user chooses to share their name. Usually include information such as product, price, and service. Users also have the option to give star ratings, as well as write short testimonials or reviews. Trustpilot was founded in 2007, and it has more than 12 million users worldwide. The Trustpilot is a trusted review platform trusted by millions of consumers around the world. Trustpilot offers a global network of brand evaluation hubs. Which work according to user-driven principles. By providing consumers with the opportunity to review and voice their opinions. We can begin to form a base of knowledge consumers can use to make better shopping decisions. Trustpilot is not a review site. Consumers are given the opportunity to leave reviews about products, services and retailers. Buy Trustpilot Reviews Do you want to Trustpilot reviews? Well, it is an excellent idea when you have the desire to grow your business in the world and promote your brand. And there is no alternative without Trustpilot reviews. Trustpilot.com is a consumer review site that launched in Denmark in 2007. It hosts reviews worldwide businesses, and the website is free for clients. It offers free service for business. In this sector, Trustpilot reviews can help you very much. We can provide good quality reviews on your Trustpilot business page. Reviews make your page trustable to your customers. Trustpilot is the world’s most trusted review platform. Used by over 1.2 million businesses globally. Helping customers make smarter purchasing decisions. Trustpilot’s reviews drive sales, encourage customer loyalty, and improve conversion rates. If you own a business, you’re looking for ways to increase your online reputation. Especially when it comes to your star ratings (or trust ratings) on sites like Trustpilot. Trustpilot is the world’s largest review platform. And a great way to give potential customers a glimpse into what you offer. As well as what life was like working with you. Why Should You Buy Trustpilot Reviews? You should pick positive Trustpilot Reviews. With positive reviews to increase the speed of your business page.

Introduction Money isn’t just about numbers—it’s about behavior. That’s the core message of The Psychology of Money by Morgan Housel, a bestselling book that dives deep into the emotional, irrational, and surprisingly human side of personal finance. Whether you're an investor, advisor, or someone simply trying to make better money decisions, this book delivers timeless lessons that go far beyond market strategies. What The Psychology of Money Teaches Us Morgan Housel’s writing is simple yet powerful. Instead of complex charts or technical jargon, he uses stories and examples to show how psychology drives financial success more than intelligence does. Here are a few standout lessons from the book: 1. Wealth is What You Don’t See People often show off what they spend, but true wealth is built by what you don’t. Housel reminds us that saving and living below your means creates real freedom. 2. Compounding is Magic One of the most powerful forces in investing is time, not timing. Letting your money grow slowly and steadily—like Warren Buffett did—is more powerful than chasing quick wins. 3. Luck & Risk Are Real Success in investing isn’t always due to brilliance; luck plays a part. Similarly, failure doesn’t always mean bad choices. Understanding this makes us more humble and grounded. 4. You Don’t Need to Win Big to Win Building wealth doesn't require genius or perfect timing. What matters most is consistency, patience, and a strategy you can stick with for decades. 5. Freedom is the Ultimate Goal At the heart of all money goals is one thing: control over your time. Money is a tool—not for flashy things, but for buying back your time and choosing how you want to live. Applying Housel's Ideas in Real Life Reading is one thing. Applying these principles is where the real value lies. That’s where platforms like AssetPlus come in. ✅ Want to help others start early? ✅ Want to promote consistent SIPs over speculation? ✅ Want to build long-term relationships based on trust, not market hype? AssetPlus is designed with those very principles in mind. Whether you're a new distributor or an established advisor, AssetPlus lets you: Offer long-term investment products simply Track SIPs and AUM for steady trail income Build a behavior-focused investment journey with clients Final Thought Morgan Housel’s The Psychology of Money is more than a finance book—it’s a mirror. It forces us to think about why we spend, save, and invest the way we do. And if you're someone helping others do the same, AssetPlus is your perfect companion—a smart, digital-first platform that helps you turn timeless money lessons into real-world action.

The principle is timeless: If Christ is not Lord over our money and possessions, he is not our Lord.

When Derek Sivers first built his business CDbaby.com, he set up a standard confirmation email to let customers know their order had been shipped. After a few months, Derek felt that this email wasn’t aligned with his mission—to make people smile. So he sat down and wrote a better one. Your CD has been gently taken from our CD Baby shelves with sterilized contamination-free gloves and placed on a satin pillow. A team of 50 employees inspected your CD and polished it to make sure it was in the best possible condition before mailing. Our packing specialist from Japan lit a candle and a hush fell over the crowd as he put your CD into the finest gold-lined box that money can buy. We all had a wonderful celebration afterwards and the whole party marched down the street to the post office where the entire town of Portland waved “Bon Voyage!” to your package, on its way to you, in our private CD Baby jet on this day, Friday, June 6th. I hope you had a wonderful time shopping at CD Baby. We sure did. Your picture is on our wall as “Customer of the Year.” We’re all exhausted but can’t wait for you to come back to CDBABY.COM!! —Derek Sivers, Anything You Want The result wasn’t just delighted customers. That one email brought thousands of new customers to CD Baby. The people who got it couldn’t help sharing it with their friends. Try Googling “private CD Baby jet”; you’ll find over 900,000 search results to date. Derek’s email has been cited by business blogs the world over as an example of how to authentically put your words to work for your business.

Modern civilization is a worn-out vesture: it is not a question of sewing on patches here and there, but of a total and substantial reformation, a trans-valuation of its cultural principles; since what is needed is a change to the primacy of quality over quantity, of work over money, of the human over technical means, of wisdom over science, of the common service of human beings instead of the covetousness of unlimited individual enrichment or a desire in the name of the State for unlimited power.

The sword is victorious over the money, the masterwill subdues again the plunderer-will. If we call these money-powers 'Capitalism,' then we may designate as Socialism the will to call into life a mighty politico-economic order that transcends all class interests, a system of lofty thoughtfulness and duty-sense that keeps the whole in fine condition for the decisive battle of its history, and this battle is also the battle of money and law. The private powers of the economy want free paths for their acquisition of great resources. No legislation must stand in their way. They want to make the laws themselves, in their interests, and to that end they make use of the tool they have made for themselves, democracy, the subsidized party. Law needs, in order to resist this onslaught, a high tradition and an ambition of strong families that finds its satisfaction not in the heaping-up of riches, but in the tasks of true rulership, above and beyond all money-advantage. A power can be overthrown only by another power, not by a principle, and no power that can confront money is left but this one. Money is overthrown and abolished only by blood. Life is alpha and omega, the cosmic onflow in microcosmic form. It is the fact of facts within the world-as-history. Before the irresistible rhythm of the generation-sequence, everything built up by the waking-consciousness in its intellectual world vanishes at the last.

After a long triumph of world-city economy and its interests over political creative force, the political side of life man ifests itself after all as the stronger of the two. The sword is victorious over the money, the master-will subdues again the plunderer-will. If we call these money-powers "Capitalism," then we may designate as Socialism the will to call into life a mighty politico-economic order that transcends all class interests, a system of lofty thoughtfulness and duty-sense that keeps the whole in fine condition for the decisive battle of its history, and this battle is also the battle of money and law. The private powers of the economy want free paths for their acquisition of great resources. No legislation must stand in their way. They want to make the laws themselves, in their interests, and to that end they make use of the tool they have made for themselves, democracy, the subsidized party. Law needs, in order to resist this onslaught, a high tradition and an ambition of strong families that finds its satisfaction not in the heaping-up of riches, but in the tasks of true rulership, above and beyond all money-advantage. A power can be overthrown only by another power, not by a principle, and no power that can confront money is left but this one. Money is overthrown and abolished only by blood. Life is alpha and omega, the cosmic stream in microcosmic form. It is the fact of facts within the world-as-history. Before the irresistible rhythm of the generation-sequence, everything built up by the waking-consciousness in its intellectual world vanishes at the last. Ever in History it is life and life only race-quality, the triumph of the will-to-power and not the victory of truths, discoveries, or money that signifies. World-history is the world court, and it has ever decided in favour of the stronger, fuller, and more self-assured life decreed to it, namely, the right to exist, regardless of whether its right would hold before a tribunal of waking-consciousness.

Let this be a guiding principle: always start with what you have and then work to improve it over time. That applies to both your content and your production quality.

I returned to Denmark in 1975 and was part of a group trying to set up an international lesbian front. To my surprise all kinds of new lesbians were “coming out” of the women’s movement. Although we had wanted this to happen it was surprising when it did, and difficult to adjust to. I had known some of the women as heterosexual feminists and it was hard to accept them as the new experts on lesbian political theory. They seemed in some way to lack what I felt was a lesbian identity, though I was unable to analyse quite why. I went to a lesbian conference in Amsterdam, with women who didn’t know and couldn’t have cared that there had been one there ten years before, and how important it had been. I sought out some of the 1965 lesbians and found them now quite anti-political. “We can’t stand all these new lesbians,” they said, “they’re so negative.” I disagreed, of course, on principle, but somehow there was less joy in the air. Unemployment was starting to happen in Europe, political discussions seemed different, we talked more about rape and violence, about men and what they were doing to the world. We talked less and less about sisterhood until finally we didn’t talk about it at all, because none of us could really believe in it quite the way we had when the sun shone and it was always summer, and the whole world was poised on the brink of change. I asked one of the new lesbians to dance at a social after a meeting. Then I tried to kiss her, gently, as we had been doing for the previous five years. She pushed me away roughly and said I was behaving like a man. I felt hurt and didn’t understand. I got drunk in a corner with some twenty-year-olds, crying into the schnapps bottle and trying to explain to them that there was something happening now that wasn’t what I thought I’d fought to achieve. Something uptight, critical, rejecting. Something not quite— lesbian. I was only 35, but I was beginning to feel like an old woman of the movement. Most of the lesbians my age were not to be found in the lesbian movement. Many were back working in the mixed homophile organizations, now changing their names to associations of gay men and women. Or they were branching out to start women’s refuges, getting involved in the peace movement, active in the political women’s movement. I had moved to Norway and found that the only lesbian group I wanted to work in was called The Panthers, involved in social and cultural activites of lesbian poetry, discussions, and sing-alongs. I got involved with the Norwegian F48 and a huge split over Marxist-Leninist politics, which resulted in the formation of the Worker’s Homophile Association (AHF)— which turned out to be not at all marxist anyway. It all made for interesting political intrigues, but I grew tired and began working very hard so that I could spend part of each year back in Aotearoa/New Zealand. My work as a tour guide made saving money easy, especially doing lots of trips through the USSR, where there were few consumer temptations. I did, of course, and dangerously, search for Soviet lesbians whenever I could.

I still don't believe there is any shortcut in anything we do not talk of a shortcut to wealth, I have always advised my daughter Lucy about the internet and the rate of cybercrime going on on the internet. I’m a business owner and all my life, I have done everything the right way and worked diligently for my money but my daughter Lucy was stubborn and was keen on investing in some online investment site that offers over 55% of your initial investment in the space of a month. I warned her against this and not investing but he wouldn’t listen, he believes the world is changing and crypto is the new money. Unfortunately for her and our family business, while I was away for a week he took over 750,000 USD which he invested in the investment company. I learnt of this upon my return a week later and was weak to my knees, I had no option but to wait it out to see for real if they were any good. When it was time to cash out at the end of the month, the investment company radioed silent on him and locked him out of his account. I had to act fast or watch our family business go bankrupt, I made a few calls to my business partners who knew people around the world and I got connected with SACLUX COMPTECH SPECIALST. My daughter Lucy learnt his lessons the hard way, truth be told it wouldn’t have been a lesson if SACLUX COMPTECH SPECIALST hadn’t recovered our funds from the investment website. We should be careful of investment companies promising unbelievable numbers if you invest with them. I can’t save you from falling victim but I can save you once you’ve fallen victim by contacting SACLUX COMPTECH SPECIALST TEAM today. Contact details below: talk 2 us at saclux comptech specialst dot com Telegram: SacluxComptech And remember don’t be like my daughter Lucy, you young adult should always heed the words of your parents

riding along as had been his wont for the last four years since the sense of failure and debt had been upon him — with his head hanging down, casting brief, unwilling looks on those who forced themselves on his notice. He made his speech, asserting his honest principles with his old confident eagerness, alluding to the rascals and the luck that had been against him, but that he had triumphed over, to some extent, by hard efforts and the aid of a good son; and winding up with the story of how Tom had got the best part of the needful money.

When the accumulation of wealth is no longer of high social importance, there will be great changes in the code of morals. We shall be able to rid ourselves of many of the pseudo-moral principles which have hag-ridden us for two hundred years, by which we have exalted some of the most distasteful of human qualities into the position of the highest virtues. We shall be able to afford to dare to assess the money-motive at its true value. The love of money as a possession — as distinguished from the love of money as a means to the enjoyments and realities of life — will be recognised for what it is, a somewhat disgusting morbidity, one of those semi-criminal, semi-pathological propensities which one hands over with a shudder to the specialists in mental disease … But beware! The time for all this is not yet. For at least another hundred years we must pretend to ourselves and to everyone that fair is foul and foul is fair; for foul is useful and fair is not. Avarice and usury and precaution must be our gods for a little longer still. For only they can lead us out of the tunnel of economic necessity into daylight.

Our ministry passion and energies should be focused on doing everything we can to lead the people entrusted into our care into a deeper love for and service to Jesus so that everything we do serves this disciple-making purpose. When this central calling is replaced with institution building, potential disciples get turned into consumers. They tend to view the church as a location with a set of facilities and a catalog of events, and they shop for what they think will meet their needs or the needs of their family. The church is not a vital part of their lives, like an organ or a limb of one’s physical body. Instead, the church is just an event they attend, stepping out of their lives to do church stuff and then stepping back into their lives when the event is over. A disciple has no such separation in his thinking. For him, being part of the body of Christ is an identity that doesn’t just define a set of gatherings he attends but redefines everything in his life. Everything about him—his relationships, his work, his time, his money—is being transformed because he is part of the transformational community of disciples called “the church.

It helped us know exactly who we were speaking to at all times. And exactly whose problems we were solving. But simplicity and ease may not be enough to sway you, so let me illustrate why honing in on one niche will make you more money. Reason: you can literally charge 100x more for the exact same product. Dan Kennedy was the first person to illustrate this for me, and I will do my best to pass on the torch to you in these pages. Niching Product Pricing Example: Example Dan Kennedy taught me this (and it changed my life forever). Let’s say you sold a generic course on Time Management. Unless you were some massive time management guru with a compelling or unique story, it would be unlikely it would turn into anything significant. What do you think “yet another” time management course is valued at? $19, $29? Sure. Nothing to write home about. Let’s just say $19 for illustration sake. **Now we shall unleash the power of niche pricing in various stages on your product** So let’s imagine you make the product more specific, keeping the same principles, and call it “Time Management For Sales Professionals.” All of a sudden, this course is for a more specific type of person. We could tie their increase to even one more sale or one more deal and it would be worth more. But there are a lot of sales people. So this might be a $99 product. Neat, but we can do better. So let’s go down another level of niching and call our product…. “Time Management for B2B Outbound Sales Reps.” Following the same principles of specificity, now we know our sales people probably have very experienced deals and commissions. A single sale would easily net this salesman $500 (or more), so it would be easy to justify a $499 price tag. This is already a 25x increase in price for almost an identical product. I could stop here, but I’m going to go one step further. Let’s just niche down one last level…. “Time Management for B2B Outbound Power Tools & Gardening Sales Reps.” Boom. Think about it for a second, if you were a power tools outbound sales rep, you would think to yourself “This is made exactly for me” and would happily fork over maybe $1000 to $2000 for a time management program that could help you achieve your goal.

Buy Verified Wise Accounts In today's globalized economy, seamless and secure international money transfers are paramount for businesses, freelancers, and individuals alike. Wise (formerly TransferWise) has emerged as a leading platform for fast, low-cost, and transparent international payments. However, setting up and fully verifying a Wise account can sometimes be a lengthy and complex process, especially for those in certain regions or facing specific verification hurdles. At Smmorion, we offer the convenient solution to buy verified Wise accounts, providing you with immediate access to a powerful tool for global transactions. ––➤ If you need other information just contact us: ––➤ Email:> Smmorionofficial@gmail.com ––➤ Telegram:> @Smmorion ––➤ Whats app:> +1(825) 592-9008 Our verified Wise accounts are meticulously prepared to ensure they are fully functional and compliant with Wise's rigorous standards. This service is ideal for those who need a fully operational international transfer solution without the waiting period or potential verification challenges. Whether you're an e-commerce business managing international suppliers, a freelancer receiving payments from overseas clients, or an individual sending money to family abroad, a verified Wise account from Smmorion empowers you with efficient and secure cross-border financial capabilities right away. What is a Verified Wise Account? A Verified Wise Account is a Wise (formerly TransferWise) account that has successfully completed all necessary identification and verification processes required by Wise's financial regulations. This typically involves submitting personal identification documents (such as a passport or national ID), proof of address, and sometimes additional information depending on the country and transaction volume. Once verified, the account gains full functionality, including the ability to send and receive money across borders, hold multiple currencies, and access local bank details in various countries. The "verified" status is crucial because it signifies that the account holder's identity has been confirmed, which is a regulatory requirement for financial service providers to prevent fraud, money laundering, and other illicit activities. For users, a verified account means higher transaction limits, smoother processing of payments, and full access to all of Wise's features without restrictions. When you buy a verified Wise account from Smmorion, you are acquiring an account that has already completed these stringent checks, making it ready for immediate and unrestricted use. Introduction To Wise Accounts Wise, originally known as TransferWise, revolutionized international money transfers by offering a transparent and cost-effective alternative to traditional banks. Founded on the principle of fairness, Wise allows individuals and businesses to send money across borders at the real exchange rate (the mid-market rate), with low, upfront fees. This innovative approach has saved users billions compared to conventional banking services, which often hide fees in unfavorable exchange rates. A Wise account is a multi-currency account that enables users to hold money in over 50 currencies, send money to more than 80 countries, and receive payments like a local in 10 different currencies (including USD, EUR, GBP, AUD, NZD, CAD, SGD, TRY, RON, HUF). It functions as a digital wallet that bridges geographical financial divides, making international transactions as simple and affordable as local ones. Beyond transfers, Wise also offers a debit card for spending in multiple currencies and business accounts tailored for international operations, cementing its position as a global leader in cross-border finance. Why Will You Buy Verified Wise Accounts From Smmorion? Choosing Smmorion to buy your verified Wise accounts offers a distinct advantage in convenience, reliability, and

Buy Verified Wise Accounts In today's globalized economy, seamless and secure international money transfers are paramount for businesses, freelancers, and individuals alike. Wise (formerly TransferWise) has emerged as a leading platform for fast, low-cost, and transparent international payments. However, setting up and fully verifying a Wise account can sometimes be a lengthy and complex process, especially for those in certain regions or facing specific verification hurdles. At Smmorion, we offer the convenient solution to buy verified Wise accounts, providing you with immediate access to a powerful tool for global transactions. ––➤ If you need other information just contact us: ––➤ Email:> Smmorionofficial@gmail.com ––➤ Telegram:> @Smmorion ––➤ Whats app:> +1(825) 592-9008 Our verified Wise accounts are meticulously prepared to ensure they are fully functional and compliant with Wise's rigorous standards. This service is ideal for those who need a fully operational international transfer solution without the waiting period or potential verification challenges. Whether you're an e-commerce business managing international suppliers, a freelancer receiving payments from overseas clients, or an individual sending money to family abroad, a verified Wise account from Smmorion empowers you with efficient and secure cross-border financial capabilities right away. What is a Verified Wise Account? A Verified Wise Account is a Wise (formerly TransferWise) account that has successfully completed all necessary identification and verification processes required by Wise's financial regulations. This typically involves submitting personal identification documents (such as a passport or national ID), proof of address, and sometimes additional information depending on the country and transaction volume. Once verified, the account gains full functionality, including the ability to send and receive money across borders, hold multiple currencies, and access local bank details in various countries. The "verified" status is crucial because it signifies that the account holder's identity has been confirmed, which is a regulatory requirement for financial service providers to prevent fraud, money laundering, and other illicit activities. For users, a verified account means higher transaction limits, smoother processing of payments, and full access to all of Wise's features without restrictions. When you buy a verified Wise account from Smmorion, you are acquiring an account that has already completed these stringent checks, making it ready for immediate and unrestricted use. Introduction To Wise Accounts Wise, originally known as TransferWise, revolutionized international money transfers by offering a transparent and cost-effective alternative to traditional banks. Founded on the principle of fairness, Wise allows individuals and businesses to send money across borders at the real exchange rate (the mid-market rate), with low, upfront fees. This innovative approach has saved users billions compared to conventional banking services, which often hide fees in unfavorable exchange rates. A Wise account is a multi-currency account that enables users to hold money in over 50 currencies, send money to more than 80 countries, and receive payments like a local in 10 different currencies (including USD, EUR, GBP, AUD, NZD, CAD, SGD, TRY, RON, HUF). It functions as a digital wallet that bridges geographical financial divides, making international transactions as simple and affordable as local ones. Beyond transfers, Wise also offers a debit card for spending in multiple currencies and business accounts tailored for international operations, cementing its position as a global leader in cross-border finance. Why Will You Buy Verified Wise Accounts From Smmorion? Choosing Smmorion to buy your verified Wise accounts offers a distinct advantage in convenience, reliability, and

Buy Verified Wise Accounts In today's globalized economy, seamless and secure international money transfers are paramount for businesses, freelancers, and individuals alike. Wise (formerly TransferWise) has emerged as a leading platform for fast, low-cost, and transparent international payments. However, setting up and fully verifying a Wise account can sometimes be a lengthy and complex process, especially for those in certain regions or facing specific verification hurdles. At Smmorion, we offer the convenient solution to buy verified Wise accounts, providing you with immediate access to a powerful tool for global transactions. ––➤ If you need other information just contact us: ––➤ Email:> Smmorionofficial@gmail.com ––➤ Telegram:> @Smmorion ––➤ Whats app:> +1(825) 592-9008 Our verified Wise accounts are meticulously prepared to ensure they are fully functional and compliant with Wise's rigorous standards. This service is ideal for those who need a fully operational international transfer solution without the waiting period or potential verification challenges. Whether you're an e-commerce business managing international suppliers, a freelancer receiving payments from overseas clients, or an individual sending money to family abroad, a verified Wise account from Smmorion empowers you with efficient and secure cross-border financial capabilities right away. What is a Verified Wise Account? A Verified Wise Account is a Wise (formerly TransferWise) account that has successfully completed all necessary identification and verification processes required by Wise's financial regulations. This typically involves submitting personal identification documents (such as a passport or national ID), proof of address, and sometimes additional information depending on the country and transaction volume. Once verified, the account gains full functionality, including the ability to send and receive money across borders, hold multiple currencies, and access local bank details in various countries. The "verified" status is crucial because it signifies that the account holder's identity has been confirmed, which is a regulatory requirement for financial service providers to prevent fraud, money laundering, and other illicit activities. For users, a verified account means higher transaction limits, smoother processing of payments, and full access to all of Wise's features without restrictions. When you buy a verified Wise account from Smmorion, you are acquiring an account that has already completed these stringent checks, making it ready for immediate and unrestricted use. Introduction To Wise Accounts Wise, originally known as TransferWise, revolutionized international money transfers by offering a transparent and cost-effective alternative to traditional banks. Founded on the principle of fairness, Wise allows individuals and businesses to send money across borders at the real exchange rate (the mid-market rate), with low, upfront fees. This innovative approach has saved users billions compared to conventional banking services, which often hide fees in unfavorable exchange rates. A Wise account is a multi-currency account that enables users to hold money in over 50 currencies, send money to more than 80 countries, and receive payments like a local in 10 different currencies (including USD, EUR, GBP, AUD, NZD, CAD, SGD, TRY, RON, HUF). It functions as a digital wallet that bridges geographical financial divides, making international transactions as simple and affordable as local ones. Beyond transfers, Wise also offers a debit card for spending in multiple currencies and business accounts tailored for international operations, cementing its position as a global leader in cross-border finance. Why Will You Buy Verified Wise Accounts From Smmorion? Choosing Smmorion to buy your verified Wise accounts offers a distinct advantage in convenience, reliability, and

In Africa leaders often prioritize money over people's lives. They allow Africa to be treated as a testing ground, where people are used to trial medications, chemicals, or weapons. Africa remains poor because valuable resources are often stolen or taken by force, with the approval of its own leaders or presidents. We suffer at the hands of our own leaders. They oppress us more than our enemies ever could. We suffer, starve, and die, not by nature, but by design. Due to poor leadership, we pay with our blood and lives.

How do I get my money back from Phantom Wallet? call at {+1-833-611-5103} Phantom wallet has grown into one of the most widely used wallets for Solana, offering users a secure, non-custodial platform to store, send, and receive their digital assets call at {+1-833-611-5103}. Yet one of the most pressing concerns among new users is how to get their money back if something goes wrong call at {+1-833-611-5103}. Situations such as sending tokens to the wrong wallet, interacting with a suspicious decentralized app, or even falling victim to a phishing attack create real fears over whether funds can be retrieved call at {+1-833-611-5103}. Exploring this question requires not only understanding what Phantom wallet can and cannot do but also recognizing the core principles of blockchain technology itself call at {+1-833-611-5103}. call at {+1-833-611-5103} The first thing to understand is that Phantom is a non-custodial wallet, meaning it never controls your private keys or funds call at {+1-833-611-5103}. Unlike custodial services where a company can technically roll back or adjust balances under certain conditions, Phantom acts only as a gateway to the Solana blockchain call at {+1-833-611-5103}. Transactions signed and broadcasted to the blockchain achieve finality within seconds, becoming irreversible records on the public ledger call at {+1-833-611-5103}. This immutability strengthens security but also means your money cannot be automatically retrieved once sent

Does MoonPay hold your money? They are simply employing a Call at {+1-833-611-5103} sophisticated and compliant tool to acquire that wealth, after which the entire and solemn responsibility for its protection becomes their own Call at {+1-833-611-5103}. This empowers users to be true participants in the decentralized economy, holding their own keys and, by extension, their own financial future Call at {+1-833-611-5103}. The philosophical underpinnings of this non-custodial model are deeply rooted in the original cypherpunk ethos that gave birth to cryptocurrency itself Call at {+1-833-611-5103}. This movement advocated for privacy, individual sovereignty, and a reduction of reliance on trusted third parties in financial and communication systems Call at {+1-833-611-5103}. By designing a service that facilitates entry into this ecosystem without itself becoming a central point of trust for custody, MoonPay aligns with these core principles Call at {+1-833-611-5103}. It acts as a bridge, not a destination, allowing users to cross over into the world of self-custody without forcing them to first understand the Call at {+1-833-611-5103} intricate technical details of how to acquire crypto from a peer-to-peer exchange or an ATM Call at {+1-833-611-5103}. This accessibility is crucial for mainstream adoption, as it lowers the initial barrier to entry while still Call at {+1-833-611-5103} guiding users toward the fundamental tenet of self-reliance that defines the space .

Is Phantom Wallet legal in the US?{~Phantim Legal~} The legality of the Phantom Wallet in the call at [+1-833-611-5103] United States is a topic of great importance for anyone participating in the Solana ecosystem. call at call at [+1-833-611-5103] The definitive answer is yes, the wallet itself is completely legal for all US residents to use. call at call at [+1-833-611-5103] This legality is rooted in its operational design as a non-custodial wallet, which means it does not hold or control user funds. call at call at [+1-833-611-5103] Unlike a traditional bank or a centralized crypto exchange that acts as a custodian, Phantom simply provides a user interface to interact with the blockchain. call at call at [+1-833-611-5103] The user is the sole owner of their private keys, giving them absolute control over their assets. call at call at [+1-833-611-5103] This distinction is what keeps Phantom outside the purview of the strict regulations that govern financial intermediaries in the US. call at call at [+1-833-611-5103] Because it is a neutral tool, the responsibility for all activities conducted with it falls on the individual user. call at call at [+1-833-611-5103] This means that while using Phantom for personal asset management is legal, engaging in illegal activities like money laundering or fraud with it is not. call at call at [+1-833-611-5103] The legal framework in the US focuses on the actions of the individual, not on the technology itself. call at call at [+1-833-611-5103] Using Phantom is a legal and secure way to explore the world of decentralized finance and NFTs on the Solana blockchain. call at call at [+1-833-611-5103] It empowers users with self-sovereignty, which is a key principle of the decentralized world.

Is Phantom Wallet legal in the US?{~Phantom Assets~} Yes, call at [+1-833-611-5103] Phantom Wallet is a legal tool for cryptocurrency users in the United States. Its legal status is based on its non-custodial design, which is a key factor in US crypto regulations. call at [+1-833-611-5103] Since the wallet does not hold or control your funds, it is not classified as a financial institution or money transmitter, which are the primary targets of regulation. call at [+1-833-611-5103] This allows users to have direct control over their digital assets, a principle that is gaining increasing support in the US. call at [+1-833-611-5103] While there have been discussions and proposed rules by various agencies, the current policy remains that self-custody wallets are not illegal. call at [+1-833-611-5103] In fact, recent legislative efforts, such as the "Keep Your Coins" Act, aim to explicitly protect the right to self-custody. call at [+1-833-611-5103] This demonstrates a growing recognition of individual financial freedom in the digital age. call at [+1-833-611-5103] It is important to remember that this legality does not apply to the use of the wallet for illicit purposes, such as evading sanctions or money laundering. call at [+1-833-611-5103] The user is solely responsible for ensuring their actions comply with all laws. call at [+1-833-611-5103] The wallet is simply the interface, and you are the one in control of your digital assets.

Buy Verified Wise Accounts In today's globalized economy, seamless and secure international money transfers are paramount for businesses, freelancers, and individuals alike. Wise (formerly TransferWise) has emerged as a leading platform for fast, low-cost, and transparent international payments. However, setting up and fully verifying a Wise account can sometimes be a lengthy and complex process, especially for those in certain regions or facing specific verification hurdles. At Smmorion, we offer the convenient solution to buy verified Wise accounts, providing you with immediate access to a powerful tool for global transactions. ––➤ If you need other information just contact us: ––➤ Email:> Smmorionofficial@gmail.com ––➤ Telegram:> @Smmorion ––➤ Whats app:> +1(825) 592-9008 Our verified Wise accounts are meticulously prepared to ensure they are fully functional and compliant with Wise's rigorous standards. This service is ideal for those who need a fully operational international transfer solution without the waiting period or potential verification challenges. Whether you're an e-commerce business managing international suppliers, a freelancer receiving payments from overseas clients, or an individual sending money to family abroad, a verified Wise account from Smmorion empowers you with efficient and secure cross-border financial capabilities right away. What is a Verified Wise Account? A Verified Wise Account is a Wise (formerly TransferWise) account that has successfully completed all necessary identification and verification processes required by Wise's financial regulations. This typically involves submitting personal identification documents (such as a passport or national ID), proof of address, and sometimes additional information depending on the country and transaction volume. Once verified, the account gains full functionality, including the ability to send and receive money across borders, hold multiple currencies, and access local bank details in various countries. The "verified" status is crucial because it signifies that the account holder's identity has been confirmed, which is a regulatory requirement for financial service providers to prevent fraud, money laundering, and other illicit activities. For users, a verified account means higher transaction limits, smoother processing of payments, and full access to all of Wise's features without restrictions. When you buy a verified Wise account from Smmorion, you are acquiring an account that has already completed these stringent checks, making it ready for immediate and unrestricted use. Introduction To Wise Accounts Wise, originally known as TransferWise, revolutionized international money transfers by offering a transparent and cost-effective alternative to traditional banks. Founded on the principle of fairness, Wise allows individuals and businesses to send money across borders at the real exchange rate (the mid-market rate), with low, upfront fees. This innovative approach has saved users billions compared to conventional banking services, which often hide fees in unfavorable exchange rates. A Wise account is a multi-currency account that enables users to hold money in over 50 currencies, send money to more than 80 countries, and receive payments like a local in 10 different currencies (including USD, EUR, GBP, AUD, NZD, CAD, SGD, TRY, RON, HUF). It functions as a digital wallet that bridges geographical financial divides, making international transactions as simple and affordable as local ones. Beyond transfers, Wise also offers a debit card for spending in multiple currencies and business accounts tailored for international operations, cementing its position as a global leader in cross-border finance. Why Will You Buy Verified Wise Accounts From Smmorion? Choosing Smmorion to buy your verified Wise accounts offers a distinct advantage in convenience, reliability, and