Re Mortgage Quotes

We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

But anyway, I look around sometimes and I think - this will maybe sound weird - it's like the corporate world's full of ghosts. And actually, let me revise that, my parents are in academia so I've had front row seats for that horror show, I know academia's no different, so maybe a fairer way of putting this would be to say that adulthood's full of ghosts." "I'm sorry, I'm not sure I quite --" "I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that." "You don't think he likes his job, then." "Correct," she said, "but I don't think he even realises it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

If you have to ask someone to change, to tell you they love you, to bring wine to dinner, to call you when they land, you can’t afford to be with them. It’s not worth the price, even though, just like the Tiffany catalog, no one tells you what the price is. You set it yourself, and if you’re lucky it’s reasonable. You have a sense of when you’re about to go bankrupt. Your own sense of self-worth takes the wheel and says, Enough of this shit. Stop making excuses. No one’s that busy at work. No one’s allergic to whipped cream. There are too cell phones in Sweden. But most people don’t get lucky. They get human. They get crushes. This means you irrationally mortgage what little logic you own to pay for this one thing. This relationship is an impulse buy, and you’ll figure out if it’s worth it later.

Take the years when you’re young – say, between the ages of fifteen and thirty-five, before you have a mortgage or kids or anything else that needs to be fed – and go balls out on intuition and follow your dreams. Dreams won’t always take you on a straight path to destiny, but they’re usually related to what your soul wants for you. They’ll force you to ask yourself the hard questions, they’ll kick your ass, and most importantly, they’ll turn you on.

I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped...

If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income.

When you’re a conservative Republican, you never think people are making money by ripping other people off,” he said. His mind was now fully open to the possibility. “I now realized there was an entire industry, called consumer finance, that basically existed to rip people off.

The culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up with egostical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks. We're involved in trillions of little acts just to keep going . So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

We have not noticed how fast the rest has risen. Most of the industrialized world--and a good part of the nonindustrialized world as well--has better cell phone service than the United States. Broadband is faster and cheaper across the industrial world, from Canada to France to Japan, and the United States now stands sixteenth in the world in broadband penetration per capita. Americans are constantly told by their politicians that the only thing we have to learn from other countries' health care systems is to be thankful for ours. Most Americans ignore the fact that a third of the country's public schools are totally dysfunctional (because their children go to the other two-thirds). The American litigation system is now routinely referred to as a huge cost to doing business, but no one dares propose any reform of it. Our mortgage deduction for housing costs a staggering $80 billion a year, and we are told it is crucial to support home ownership, except that Margaret Thatcher eliminated it in Britain, and yet that country has the same rate of home ownership as the United States. We rarely look around and notice other options and alternatives, convinced that "we're number one.

Of course you are. Then you're going to give me multiple orgasms and pay off my mortgage too. I saw this movie, pal. It was in the fantasy section. (Isa)

It's like the corporate world's full of ghosts … maybe a fairer way of putting this would be to say that adulthood's full of ghosts … these people who've ended up in one life instead of another and they are just so disappointed ... They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped … High-functioning sleepwalkers, essentially.

Finally, don’t put on a Let’s Be Fair tone and say “But black people are racist too.” Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

See that's where you're wrong baby. When you find your man, it's almost too easy. Gettin' married and havin' a mortgage, kids and a business to run and findin' a way to stay in love day in day out, that's the tougher part. But the beginning'… that parts easy as pie. That's why they call it fallin' because it happens before you have time to stop yourself.

Because I look at you, and I think, you and me, we’re going to get married one day. And then, if you’re a very good wife…” His eyes skated over my face as he paused, and it felt like a loving caress; but it also felt possessive and dangerous. His cadence dropped, deepened, as his stare settled on my lips. “If you’re a very good wife, we’ll have a mortgage.

What do you have to worry about? That you're lonely? That you have a mortgage? That your wife doesn't love you? F you, F you. I have to worry about having enough to eat!

And a mortgage used to be something you were expected to repay. But now that every other middle-income family has a mortgage for an amount they couldn't possibly save up in their lifetimes, then the bank isn't lending money anymore. It's offering financing. And then homes are no longer homes. They're investments. ...It means that the poor get poorer, the rich get richer, and the real class divide is between those who can borrow money and those who can't. Because no matter how much money anyone earns, they still lie awake at the end of the month worrying about money. Everyone looks at what their neighbors have and wonders, "How can they afford that?" because everyone is living beyond their means. So not even really rich people ever feel really rich, because in the end the only thing you can buy is a more expensive version of something you've already got. With borrowed money.

11 WAYS TO BE UNREMARKABLY AVERAGE 1. Accept what people tell you at face value. 2. Don’t question authority. 3. Go to college because you’re supposed to, not because you want to learn something. 4. Go overseas once or twice in your life, to somewhere safe like England. 5. Don’t try to learn another language; everyone else will eventually learn English. 6. Think about starting your own business, but never do it. 7. Think about writing a book, but never do it. 8. Get the largest mortgage you qualify for and spend 30 years paying for it. 9. Sit at a desk 40 hours a week for an average of 10 hours of productive work. 10. Don’t stand out or draw attention to yourself. 11. Jump through hoops. Check off boxes.

They had stumbled either upon a serious flaw in modern financial markets or into a great gambling run. Characteristically, they were not sure which it was. As Charlie pointed out, “It’s really hard to know when you’re lucky and when you’re smart.

She asked me for some advice regarding Mark’s financial affairs. It’s a very common problem for the families of missing persons – what happens when someone disappears? How long do you wait before you clean out their flat? Do you reregister their car? Who keeps paying the car payments? How do you access their bank account? What about rent and mortgage? When do you tell their employer you don’t think they’re coming back to their job?

THERE HAVE ALWAYS BEEN ITINERANTS, drifters, hobos, restless souls. But now, in the second millennium, a new kind of wandering tribe is emerging. People who never imagined being nomads are hitting the road. They’re giving up traditional houses and apartments to live in what some call “wheel estate”—vans, secondhand RVs, school buses, pickup campers, travel trailers, and plain old sedans. They are driving away from the impossible choices that face what used to be the middle class. Decisions like: Would you rather have food or dental work? Pay your mortgage or your electric bill? Make a car payment or buy medicine? Cover rent or student loans? Purchase warm clothes or gas for your commute? For many the answer seemed radical at first. You can’t give yourself a raise, but what about cutting your biggest expense? Trading a stick-and-brick domicile for life on wheels?

See that's where you're wrong baby. When you find your man, it's almost too easy. Gettin' married and haven' a mortgage, kids and a business to run and findin' a way to stay in love day in day out, that's the tougher part. But the beginning'… that parts easy as pie. That's why they call it fallen' because it happens before you have time to stop yourself.

This is the critical point of this book: if you are that zebra running for your life, or that lion sprinting for your meal, your body’s physiological response mechanisms are superbly adapted for dealing with such short-term physical emergencies. For the vast majority of beasts on this planet, stress is about a short-term crisis, after which it’s either over with or you’re over with. When we sit around and worry about stressful things, we turn on the same physiological responses—but they are potentially a disaster when provoked chronically. A large body of evidence suggests that stress-related disease emerges, predominantly, out of the fact that we so often activate a physiological system that has evolved for responding to acute physical emergencies, but we turn it on for months on end, worrying about mortgages, relationships, and promotions.

Our culture doesn't encourage you to think about such things until you’re about to die. We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habbit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. Dan's like that.

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

Why? So you can still qualify for assistance? Your family is gaming the system?" "No." Diana had always hated when people said this about her family. The bosses who made her dad list a payroll company as his employer, they gamed the system. The assholes who convinced her parents to take out both a second mortgage and a HELOC in 2006 gamed the system. The employers who would never give Edith enough hours for benefits gamed the system. But ask a lot of people, and they'd tell you it's people like her grandma who game the system. They'd tell you that an old woman who's worked hard every day of her life and still struggles to get by is a malignant vacuum for their personal tax dollars, and a blight on their lives as free Americans. "We're just trying to live.

People aren't pissed just to be pissed. They're mad because a tiny group of crooks on Wall Street built themselves beach houses in the Hamptons through a crude fraud scheme that decimated their retirement funds, caused property values in their neighborhoods to collapse and caused over four million people to be put in foreclosure.

People aren’t really needed for anything else in the Griftopia, but since Americans require the illusion of self-government, we have elections. To make sure those elections are effectively meaningless as far as Wall Street is concerned, two things end up being true. One is that voters on both sides of the aisle are gradually weaned off that habit of having real expectations for their politicians, consuming the voting process entirely as culture-war entertainment. The other is that millions of tenuously middle-class voters are conned into pushing Wall Street’s own twisted greed ethos as though it were their own. The Tea Party, with its weirdly binary view of society as being split up cleanly into competing groups of producers and parasites—that’s just a cultural echo of the insane greed-is-good belief system on Wall Street that’s provided the foundation/excuse for a generation of brilliantly complex thievery. Those beliefs have trickled down to the ex-middle-class suckers struggling to stay on top of their mortgages and their credit card bills, and the real joke is that these voters listen to CNBC and Fox and they genuinely believe they’re the producers in this binary narrative. They don’t get that somewhere way up above, there’s a group of people who’ve been living the Atlas dream for real—and building a self-dealing financial bureaucracy in their own insane image.

We're all too busy, too distracted by the sheer effort of getting through each day - working, paying the bills, the mortgage, shopping - that we don't want to look deeper. We don't dare. We want things to be fine. To be "hunky-dory". Because we simply haven't got the energy to deal with it if they're not. It's only when something bad happens, something irretrievable, that we see things properly. And then it's too late

With all our success and expensive vacations, our big houses and bigger mortgages and our brand-new cars - have we become so satiated that we're really a little miserable, feeling a little let down by the pursuit of material goods? And have we forgotten how to find simple, old-fashioned, down-to-earth happiness?

Therefore, to you, and to the fifty governors, I have a request. Please, do not send me politicians. We do not have the time to do the things that must be done through that process. I need people who do real things in the real world. I need people who do not want to live in Washington. I need people who will not try to work the system. I need people who will come here at great personal sacrifice to do an important job, and then return home to their normal lives. “I want engineers who know how things are built. I want physicians who know how to make sick people well. I want cops who know what it means when your civil rights are violated by a criminal. I want farmers who grow real food on real farms. I want people who know what it’s like to have dirty hands, and pay a mortgage bill, and raise kids, and worry about the future. I want people who know they’re working for you and not themselves. That’s what I want. That’s what I need. I think that’s what a lot of you want, too.

Lizzie and I arrived in the polluted heat of a London summer. We stood frozen at street corners as a blur of pedestrians burst out of the subways and spilled like ants down the pavements. The crowed bars, the expensive shops, the fashionable clothes - to me it all seemed a population rushing about to no avail...I stared at a huge poster of a woman in her underwear staring down at her own breasts. HELLO BOYS, she said. At the movies we witnessed sickening violence, except that this time we held tubs of popcorn between our legs and the gunfire and screams were broadcast in digital Dolby. We had escaped a skull on a battlefield, only to arrive in London, where office workers led lines of such tedium and plenty that they had to entertain themselves with all the f****** and killing on the big screen. So here then was the prosperous, democratic and civilized Western world. A place of washing machines, reality TV, Armani, frequent-flier miles, mortgages. And this is what the Africans are supposed to hope for, if they're lucky.

Humans haunt more houses than ghosts do. Men and women assign value to brick and mortar, link their identities to mortgages paid on time. On frigid winter nights, young mothers walk their fussy babies from room to room, learning where the rooms catch drafts and where the floorboards creak. In the warm damp of summer, fathers sit on porches, sometimes worried and often tired but comforted by the fact that a roof is up there providing shelter. Children smudge up walls with dirty handprints, find nooks to hide their particular treasure, or hide themselves if need be. We live and die in houses, dream of getting back to houses, take great care in considering who will inherit the houses when we’re gone.

we’re helping the consumer. Because we’re taking him out of his high interest rate credit card debt and putting him into lower interest rate mortgage debt.

They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

One of my foundation’s main initiatives is to build smart homes for severely wounded veterans. We provide these houses and the land they’re built on at no cost to the vets, completely mortgage free.

so maybe a fairer way of putting this would be to say that adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

The culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks-- we're so involved in trillions of little acts just to keep going. So we don't get into the habit of standing back and looking at our lives and saying, is this all? Is this all I want? Is something missing?

It goes like this: go to school, get brainwashed, go to college, get more brainwashed, drink beer, get a degree, get a job, get married, have kids, get promoted, get a mortgage, take a yearly vacation, buy stuff on the holidays, retire, take up golf, be a grandparent, get cancer and die. The matrix exists to make sure you follow this formula, so that you can do your part to support the very system that’s enslaving you. Except you think you’re free because you went to Maui for a week last June. That’s not freedom, my love. That’s a bone.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

They’re nice cages,” I responded. “No space around them. Nothing alive. Places like this turn a man into a gerbil. He comes home and scurries inside. Then he stays there until he’s forced to go back out to the job he has to work so that he can make the mortgage payments on this gerbil habitat.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.” What was it in this statement that made Clark want to weep? He was nodding, taking down as much as he could. “Do you think he’d describe himself as unhappy in his work?” “No,” Dahlia said, “because I think people like him think work is supposed to be drudgery punctuated by very occasional moments of happiness, but when I say happiness, I mostly mean distraction. You know what I mean?

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

We're brainwashed with garbage idioms like "Big girls don't cry". Guys who "cry like a girl" are told to "man up". Or "she's crying like a baby", as if only babies cry, which makes no sense to me, given babies have the fewest problems out of all of us. They don't have mortgages or jury duty, and they get the fun end of the whole birthing situation. The mother is the one who is pushing and bleeding and tearing, and the baby basically just gets to jet down a water slide. I think the whole "crying like a baby" idiom should be reversed: what we should say about babies is "Jesus, that baby is crying like a grown-up!

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped.

Adulthood's full of ghosts. . . . I'm talking about these people who've ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They've done what's expected of them. They want to do something different but it's impossible now, there's a mortgage, kids, whatever, they're trapped. . . . High-functioning sleepwalkers, essentially.

Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 percent and leave your bins unemptied on the pavement. But you and everyone you know will continue to drink wine-- but maybe cheaper-- go on holiday-- but somewhere nearer-- and pay off your mortgage--although maybe later.

We’re all too busy, too distracted by the sheer effort of getting through each day – working, paying the bills, the mortgage, shopping – that we don’t want to look deeper. We don’t dare. We want things to be fine. To be ‘hunky-dory’. Because we simply haven’t got the mental energy to deal with it if they’re not. It’s only when something bad happens, something irretrievable, that we see things properly. And then it’s too late.

Mitch,” he said, “the culture doesn’t encourage you to think about such things until you’re about to die. We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

Mitch," he said, "the culture doesn't encourage you to think about such things until you're about to die. We're so wrapped up in egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks - we're involved in trillions of little acts just to keep going. So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?

Some might say the difference between being a kid and being a grown-up is that grown-ups don't think they can sail around the world all by themselves. Why not? Because they don't have a sailboat. Because they couldn't make the mortgage payments if they sailed around the world. Because they don't know how to sail. Because they don't want to. Because it's just a TV show. There can be a lot of becauses. There can be endless becauses. Because you're a grown-up. Because you have responsibilities. Because you haven't made one choice in the last ten years. Because (and here's the important one) you're a coward. Yes. That's right. Because you, my little friend, are a coward. When you're a kid, on the other hand, your entire thought process is consumed with visions of WHAT MIGHT BE. You are propelled forward in search of some foggy thing. Some thing that you believe might be amazing. What you might do. Who you might be. You imagine that there are so many possibilities.

I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.

There’s a man with her. He’s blonde, balding, harassed-looking, and probably what they call time-poor. Older. He looks at me over the steering wheel and gives a helpless, frustrated gesture, as though I should be able to identify and sympathize with his plight. Then, as the woman starts to open the car door, he stops her with a swift movement. And suddenly they’re struggling, locked into a graceless, desperate tussle. I picture the dull, bestial unhappiness of a couple shackled to each other by their mortgage and their children’s shareed DNA.

We’re so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks—we’re involved in trillions of little acts just to keep going. So we don’t get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?” He paused. “You need someone to probe you in that direction. It won’t just happen automatically.” I knew what he was saying. We all need teachers in our lives. And mine was sitting in front of me.

There’s a common misconception that Silicon Valley is the accelerator of the world. The real story is that the world keeps getting faster—Silicon Valley is just the first place to figure out how to keep pace. While Silicon Valley certainly has many key networks and resources that make it easier to apply the techniques we’re going to lay out for you, blitzscaling is made up of basic principles that do not depend on geography. We’re going to show you examples from overlooked parts of the United States, such as Detroit (Rocket Mortgage) and Connecticut (Priceline), as well as from international companies, such as WeChat and Spotify. In the process you’ll see how the lessons of blitzscaling can be adapted to help build great companies in nearly any ecosystem, albeit with differing degrees of difficulty. That’s the mission of this book. We want to share the secret weapon that has allowed Silicon Valley to punch so much (more than a hundred times) above its population index so that those lessons can be applied far beyond the sixty-mile stretch between the Golden Gate Bridge and San Jose. It is sorely needed.

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. . .

adulthood’s full of ghosts.” “I’m sorry, I’m not sure I quite—” “I’m talking about these people who’ve ended up in one life instead of another and they are just so disappointed. Do you know what I mean? They’ve done what’s expected of them. They want to do something different but it’s impossible now, there’s a mortgage, kids, whatever, they’re trapped. Dan’s like that.” “You don’t think he likes his job, then.” “Correct,” she said, “but I don’t think he even realizes it. You probably encounter people like him all the time. High-functioning sleepwalkers, essentially.” What

I would be happy just about anywhere, as long as I can be surrounded by tall trees and maybe a lake or river with majestic mountains in the background. I always admired how they lived during the frontier times. You could find yourself a nice spot and build your dream home without worrying about paying rent or a mortgage. Simpler times. I think what’s happening now could possibly lead to something like that happening, again. We’re already experiencing a breakdown in government, as far as New York City goes. If more cities become infected elsewhere, who knows how things will turn out?

Your Overworld persona is a hero,” said Bao. “Heartbeat is a hero. Calaca's a psychopath, but he was right about one thing — the internet is the real world. What you do there matters, and what you do here matters. I've seen you spend days nursing a sick sister back to health; I've seen you work triple shifts in this restaurant to pay your family's mortgage. You took Gabi to ballet when your parents were too scared to send her. Three nights ago you ran into the middle of a freeway to rescue your friend. You're not just a hero, Mari, you're my hero. If anyone can figure this out, it's you.

Anyway, you now owe $117,500 on the house. After that five years, once the house gets 90 percent loan-to-value—that means you’re getting close to getting underwater—the bank ‘recasts’ the loan and now flips you to a full am, which means you pay an old-fashioned mortgage, which is principal plus interest on $117,000. You now have a thirty-year loan at 7 percent. Plus you have to buy the mortgage insurance because you don’t have anything down, which puts you somewhere at $900 a month. Your payments have more than tripled overnight. A $200,000 house is now costing you $1,800 a month and we both know the guy was never making that kind of money.

racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.” So

In this march through a virtual lifetime, we’ve visited school and college, the courts and the workplace, even the voting booth. Along the way, we’ve witnessed the destruction caused by WMDs. Promising efficiency and fairness, they distort higher education, drive up debt, spur mass incarceration, pummel the poor at nearly every juncture, and undermine democracy. It might seem like the logical response is to disarm these weapons, one by one. The problem is that they’re feeding on each other. Poor people are more likely to have bad credit and live in high-crime neighborhoods, surrounded by other poor people. Once the dark universe of WMDs digests that data, it showers them with predatory ads for subprime loans or for-profit schools. It sends more police to arrest them, and when they’re convicted it sentences them to longer terms. This data feeds into other WMDs, which score the same people as high risks or easy targets and proceed to block them from jobs, while jacking up their rates for mortgages, car loans, and every kind of insurance imaginable. This drives their credit rating down further, creating nothing less than a death spiral of modeling. Being poor in a world of WMDs is getting more and more dangerous and expensive.

… But don't ever forget, young Master Paul. Everyone has their love story. Everyone. It may have been a fiasco, it may have fizzled out, it may never even have got going, it may have been all in the mind, that doesn't make it any less real. Sometimes, it makes it more real. Sometimes, you see a couple, and they seem bored witless with one another, and you can't imagine them having anything in common, or why they're still living together. But it's not just habit or complacency or convention or anything like that. It's because once, they had their love story. Everyone does. It's the only story.” (P. 35-36) Then there's that word Joan dropped into our conversation like a concrete fence-post into a fishpool: practicality. Over my life I've seen friends fail to leave their marriages, fail to continue affairs, fail even to start them sometimes, all for the same expressed reason. 'It just isn't practical, they say wearily. The distances are too great, the train schedules unfavourable, the work hours mismatched; then there's the mortgage, and the children, and the dog, also, the joint ownership of things. 'I just couldn't face sorting out the record collection, a non-leaving wife once told me. In the first thrill of love, the couple had amalgamated their records, throwing away duplicates. How was it feasible to unpick all that? And so she stayed; and after a while the temptation to leave passed, and the record collection breathed a sigh of relief. Whereas it seemed to me, back then, in the absolutism of my condition, that love had nothing to do with practicality; indeed, was its polar opposite. And the fact that it showed contempt for such banal considerations was part of its glory. Love was by its very nature disruptive, cataclysmic; and if it was not, then it was not love. (P. 73)

Here are the top three warning signs [you're at risk of foreclosure]: * You used to think nobody cared when your phone rarely rang. Then you missed a couple of house payments. * You're glad gas prices have fallen so you can afford it if you have to move into your car. * You're ready to say, "Let's make a deal" and trade your upside-down house for whatever's behind Door #3.

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

How Much Money Can We Afford To Give To Charity? Knowing how much money you can safely give to charity is challenging for everyone. Who doesn’t want to give more to make the world a better place? On the other hand, no one wants to become a charity case as a result of giving too much to charity. On average, Americans who itemize their deductions donate about three or four percent of their income to charity. About 20% give more than 10% of their income to charity. Here are some tips to help you find the right level of donations for your family: You can probably give more than you think. Focus on one, two or maybe three causes rather than scattering money here and there. Volunteer your time toward your cause, too. The money you give shouldn’t be the money you’d save for college or retirement. You can organize your personal finances to empower you to give more. Eliminating debt will enable you to give much more. The interest you may be paying is eating into every good and noble thing you’d like to do. You can cut expenses significantly over time by driving your cars for a longer period of time; buying cars—the transaction itself—is expensive. Stay in your home longer. By staying in your home for a very long time, your mortgage payment will slowly shrink (in economic terms)with inflation, allowing you more flexibility over time to donate to charity. Make your donations a priority. If you only give what is left, you won’t be giving much. Make your donations first, then contribute to savings and, finally, spend what is left. Set a goal for contributing to charity, perhaps as a percentage of your income. Measure your financial progress in all areas, including giving to charity. Leverage your contributions by motivating others to give. Get the whole family involved in your cause. Let the kids donate their time and money, too. Get your extended family involved. Get the neighbors involved. You will have setbacks. Don’t be discouraged by setbacks. Think long term. Everything counts. One can of soup donated to a food bank may feed a hungry family. Little things add up. One can of soup every week for years will feed many hungry families. Don’t be ashamed to give a little. Everyone can do something. When you can’t give money, give time. Be patient. You are making a difference. Don’t give up on feeding hungry people because there will always be hungry people; the ones you feed will be glad you didn’t give up. Set your ego aside. You can do more when you’re not worried about who gets the credit. Giving money to charity is a deeply personal thing that brings joy both to the families who give and to the families who receive. Everyone has a chance to do both in life. There Are Opportunities To Volunteer Everywhere If you and your family would like to find ways to volunteer but aren’t sure where and how, the answer is just a Google search away. There may be no better family activity than serving others together. When you can’t volunteer as a team, remember you set an example for your children whenever you serve. Leverage your skills, talents and training to do the most good. Here are some ideas to get you started either as a family or individually: Teach seniors, the disabled, or children about your favorite family hobbies.

 “I’m a selfish bastard. You should know that about me.” I set the liquor down on the desk, tilted my head to the side, watching him. “What makes you think so?” “Because I look at you, and I think, you and me, we’re going to get married one day. And then, if you’re a very good wife…” His eyes skated over my face as he paused, and it felt like a loving caress; but it also felt possessive and dangerous. His cadence dropped, deepened, as his stare settled on my lips. “If you’re a very good wife, we’ll have a mortgage.” I blinked.  The lull of his voice masked the meaning of his words for a split second. “A mortgage?” He nodded. “Yes. And several children and perhaps a dog.

The world needs the work of people who are not constantly worried about their rent and mortgage payments. Because it's when you don't worry about the money when your work counts the most. And the world needs that work. And it needs people who don't have to wait until they're 60 years old to actually do it." - Chelsea Baldwin

Beliefs of this sort—that I’m not attractive enough, so why bother; or that my boss is an asshole, so why bother—are designed to give us moderate comfort now by mortgaging greater happiness and success later on. They’re terrible long-term strategies, yet we cling to them because we assume we’re right, because we assume we already know what’s supposed to happen. In other words, we assume we know how the story ends. Certainty is the enemy of growth. Nothing is for certain until it has already happened—and even then, it’s still debatable. That’s why accepting the inevitable imperfections of our values is necessary for any growth to take place. Instead

Once you're a homeowner, your house will probably be the biggest, long-term investment you have. Every dollar you spend on a mortgage or down payment is like putting money in a house-sized piggy bank, so it makes sense to look at home buying through the lens of saving.

Love is ridiculous, right? A chemical imbalance, an illness. We catch it, we go mad for a little while, and what do we do when it passes? if we're "lucky," we're saddled with an imperfect marriage, a mortgage, and obnoxious, needy, resentful kids. Our ambitions and dreams and potential greatness are extinguished for want of a little human contact and some orgasms (passing bodily contractions that can easily be achieved on one's own). And yet, 99% of all music, literature, film, and art is devoted to love. The world carries on like this is the best, most natural thing. We sing endless songs about getting sick, and the complex of scars left when the illness fades.

And you – you get to swan off every day to your precious little studio, and make your pretty little necklaces with your lovely daddy at the end of the fucking line ready to bail you out every time you go into the red and your lovely little mortgage-free apartment and – and your youth and you have no idea, you literally have no idea about anything, Rachel. You’re a fucking child.’ Michael ripped the duvet away from himself and stalked to the bathroom.

What are your feelings from Bush to Obama? Besides being responsible for the death of half a million people, I feel like Bush dealt a huge economic and social blow to the USA, one from which we may never fully recover. He directly flushed 3 trillion dollars down the toilet on hopeless, pointlessly destructive wars in Afghanistan and Iraq …and they’re not even over! For years to come, we’ll be paying costs for all the injured veterans (over 50,000) and destabilizing three countries, because you have to look at the impact that the Afghan war has on Pakistan. Bush expanded the use of torture, and created a whole new layer of government bureaucracy (the “Department of Homeland Security”) to spy on Americans. He created Indefinite Detention (at Guantanamo and other US military bases) and expanded the use of executive-ordered assassinations using the new drone technology. On economic issues, his administration allowed corporations to run things and regulate themselves. The agency that was supposed to regulate oil drilling had lobbyist-paid prostitutes sleeping with employees while oil industry lobbyists basically ran the agency. Energy companies like Enron, and the country’s investment banks were deregulated at the end of the Clinton administration and Bush allowed them to run wild. Above all, he was incompetent and appointed some really stupid people to important positions at every level of government. Certainly, Obama has been involved in many of these same activities. A few he’s increased, such as the use of drone assassinations, but most of them he has at least tried to scale back. At the beginning of his first term, he tried to close the Guantanamo prison and have trials for many of the detainees in the United States but conservatives (including many Democrats) stirred up public resistance and blocked this from happening. He tried to get some kind of universal healthcare because over 50 million Americans don’t have health insurance. This is one of the leading causes of personal bankruptcies and foreclosures because someone gets sick in a family, loses their job, loses their health insurance (because American employers are source of most people’s healthcare) and they can’t pay their health bills or their mortgage. Or they use up all their money caring for a sick family member. So many people in the US wanted health insurance reform or single-payer, universal health care similar to what you have in the UK. Members of Obama’s own party (The Democrats) joined with Republicans to narrowly block “The public option” but they managed to pass a half-assed but not-unsubstantial reform of health insurance that would prevent insurers from denying you coverage when you’re sick or have a “preexisting condition.” The minute it was signed into law, Republicans sued in the courts (all the way to the supreme court) and fought, tooth and nail to block its implementation. Same thing with gun control, even as we’re one of the most violent industrial countries in the world. (Among industrial countries, our murder rate is second only to Russia). Obama has managed to withdraw troops from Iraq and Afghanistan over Republican opposition but, literally, everything he tries to do, they blast it in the media and fight it in Congress. So, while I have a lot of criticisms of Obama, he is many orders of magnitude less awful than Bush and many of the positive things he’s tried to do have been blocked. That said, the Democratic and Republican parties agree on more things than they disagree. Both signed off on the Afghan and Iraq wars. Both signed off on deregulation of banks, of derivatives, of mortgage regulations and of the energy and telecom business …and we’ve been living with the consequences ever since. I’m guessing it’s the same thing with Labor and Conservatives in the UK. Labor or Democrats will SAY they stand for certain “progressive” things but they end up supporting the same old crap... (2014 interview with iamhiphop)

I’m amazed at how this has snowballed into such a media event. It began last week when I saw a national news report by Tom Brokaw about this adorable little lady from Georgia, Mrs. Hill, who was trying to save her farm from being foreclosed. Her sixty-seven-year-old husband had committed suicide a few weeks earlier, hoping his life insurance would save the farm, which had been in the family for generations. But the insurance proceeds weren’t nearly enough. It was a very sad situation, and I was moved. Here were people who’d worked very hard and honestly all their lives, only to see it all crumble before them. To me, it just seemed wrong. Through NBC I was put in touch with a wonderful guy from Georgia named Frank Argenbright, who’d become very involved in trying to help Mrs. Hill. Frank directed me to the bank that held Mrs. Hill’s mortgage. The next morning, I called and got some vice president on the line. I explained that I was a businessman from New York, and that I was interested in helping Mrs. Hill. He told me he was sorry, but that it was too late. They were going to auction off the farm, he said, and “nothing or no one is going to stop it.” That really got me going. I said to the guy: “You listen to me. If you do foreclose, I’ll personally bring a lawsuit for murder against you and your bank, on the grounds that you harassed Mrs. Hill’s husband to his death.” All of a sudden the bank officer sounded very nervous and said he’d get right back to me. Sometimes it pays to be a little wild. An hour later I got a call back from the banker, and he said, “Don’t worry, we’re going to work it out, Mr. Tramp.” Mrs. Hill and Frank Argenbright told the media, and the next thing I knew, it was the lead story on the network news. By the end of the week, we’d raised $40,000. Imus alone raised almost $20,000 by appealing to his listeners. As a Christmas present to Mrs. Hill and her family, we’ve scheduled a mortgage-burning ceremony for Christmas Eve in the atrium of Trump Tower. By then, I’m confident, we’ll have raised all the money. I’ve promised Mrs. Hill that if we haven’t, I’ll make up any difference. I tell Imus he’s the greatest, and I invite him to be my guest one day next week at the tennis matches at the U.S. Open. I have a courtside box and I used to go myself almost every day. Now I’m so busy I mostly just send my friends.

It’s importance, however, is bigger than that. Treasury securities are the risk-free yield curve for all of the financial markets. That’s right, the yields of Treasury Bills, Notes, and Bonds from overnight to 30 years make up a yield curve that is used to price all other fixed-income securities. The Treasury market is the reference rate for interest rates. Treasurys are a tool for pricing corporate bonds, municipal bonds, emerging market bonds, federal agencies, mortgage-backed securities, and other dollar assets. On top of that, they’re also a tool for speculation and hedging risk.

Many of us confuse happiness and joy. Happiness is often triggered by external events, events we usually have no control over—you get the promotion, he loves you back, they approve your mortgage application. Happiness camouflages a lot of fears. But joy is the absence of fear. Joy is your soul’s knowledge that if you don’t get the promotion, keep the relationship, or buy the house, it’s because you weren’t meant to. You’re meant to have something better, something richer, something deeper, Something More. Joy is where your life began, with your first cry. Joy is your birthright.

There’s no real definition of a shadow bank, but a shadow bank is basically a financial institution that performs banking functions. A shadow bank can be anything from an REIT (Real Estate Investment Trust) to a mortgage finance company to a hedge fund to a broker-dealer. Think of what banks do. In the simplest terms, a bank takes in deposits and makes mortgage loans. The mortgage loans are the bank’s investments. The deposits are the bank’s funding. Anyone with a savings or checking account is lending money to a bank. The bank borrows money from the depositors and loans money to the homeowners. Mortgage REITs are a great example of shadow banking. The REIT buys mortgage-backed securities (MBSs) and borrows money to finance the purchases in the Repo market. The mortgage-backed securities are just like a bank writing a mortgage loan, except they’re a security, and the Repo transactions are just like the deposits. But the REIT is not a bank. It’s a shadow bank.

Purina’s exposure to the hog business was not limited at all. The volatile markets exposed that fact. In 1998, the US hog market experienced a shock comparable to the stock market crash of 1929—a market convulsion that obliterated all the rules everyone thought applied to the business. The root of the problem could be traced to the very industrialization that created Purina Mills’ feed business in the first place. Now that hogs were raised on factory farms, the supply of animals was enormous and inflexible. Farmers were raising herds of tens or even hundreds of thousands of pigs. When prices started to fall, these industrial farms couldn’t adapt quickly. They had mortgage payments to meet on the big pig houses, and they needed to keep production high. Factory farms were a machine that wasn’t easily turned off. The flow of pigs continued into the slaughterhouses, and prices fell even further. Then everything spun out of control. Hog prices plummeted, sucking the entire business into the ground almost instantly. The price of hogs fell from about 53 cents per pound to 10 cents per pound in a matter of months. When adjusted for inflation, this was the lowest price for pigs in US history. It cost far more to raise a pig than the animal was worth. Purina Mills should have been insulated against this crisis. It only sold feed, not the hogs themselves. But with its decision in 1997 to start buying baby hogs, Purina had exposed itself to the risk of falling pork prices. Dean Watson began to discover just how large that exposure was. As one farm economist put it at the time, the rational number of hogs to own in 1998 was zero. Purina discovered this fact quickly. It bought baby hogs, and turned around to sell them to the farmers. But there were no buyers. The farmers refused to take them. “The people who we were supposed to be selling the pigs to were basically saying: ‘Sue me.’ The people we had bought the pigs from were saying: ‘You’re not getting out of my contract or I am suing you,’ ” Watson said. “All of this ownership risk that I was assured didn’t exist started to just come out of the woodwork.

She nodded. “We live and die with each new news cycle.” “I meant our marriage.” “I already filed for divorce; Bud’s attorneys are handling it. You can have the house, we’re upside-down on the mortgage. Bud already moved my stuff out.” “He’s an efficient guy.” “Don’t be bitter, Jonas. We had a nice run. Thankfully, there are no rug-rats to complicate our lives.” “That’s because you never wanted any.” He looked to the east as the chopper approached. “What about Bud? Does he want kids?” “Bud wants me.” She noticed Terry watching from the bridge. “She likes you.

To hell with the issues. I have a wife and three kids, a mortgage and a car loan; they’re my issues. I’ve fought my way up to regional sales manager and I have a shot at national sales director in a few years’ time. I’ve worked my socks off for this and no one’s going to take it away from me: not rioting Negroes, not drug-taking hippies, not Communists working for Moscow, and certainly not a softhearted liberal like Hubert Humphrey. I don’t care what you say about Nixon, he stands for people like me.” At that moment Dave felt, with an overwhelming sense of impending doom, that Nixon was going to win.

If you’re not yet wealthy but want to be someday, never purchase a home that requires a mortgage that is more than twice your household’s total annual realized income. Living

I deeply admire the president’s determination to defy the small, poll-driven politics of our day to tackle big things. However, the gap between the singular focus of the campaign and his varied and ambitious agenda afterward undoubtedly sapped some of his political strength, leaving Americans wondering if he was truly focused on their concerns. You can’t take politics entirely out of the process. I don’t speak with the president as much anymore. With the campaigns over, our once-frequent conversations have slowed to a trickle. I miss them. And when I hear the thundering hooves of the Washington pundits and pols on a stampede to run him down, I feel for him. Hell, I bleed for him. The brutal midterm election of 2014 was another painful rebuke. Yet I know this: There are people who are alive today because of the health coverage he made possible. There are soldiers home with their families instead of halfway across the world. There are hundreds of thousands of autoworkers on the assembly line who would have been idled but for him, and the overall economy is in better shape than it has been in years. There are folks who are getting improved deals from their banks and mortgage lenders thanks to new rules in place and a new cop on the beat. There are gay and lesbian Americans who are, for the first time, free to defend their country without having to lie about who they are. There are women who have greater legal recourse when they’re paid less than the man doing the exact same job alongside them. There are families who can afford to send their kids to college because there is more aid available. Oh, and yes . . . just as he predicted in my conference room back in those wonderful, heady days when we first considered an audacious run for the presidency, millions of kids in our country today can dream bigger dreams because Barack Obama has blazed the trail for them.

All the things you’re not supposed to do on land you’re supposed to do on a cruise because it’s one of America’s official responsibility-free zones, like Mardi Gras, New Year’s Eve or Courtney Love. Twenty-four-hour free buffets all over the place, raunchy stage shows, countless bars that won’t cut you off as long as you can knee-walk into a casino and blow the mortgage—

We're so wrapped up with egotistical things, career, family, having enough money, meeting the mortgage, getting a new car, fixing the radiator when it breaks-we're involved in trillions of little acts just to keep going. So we don't get into the habit of standing back and looking at our lives and saying, Is this all? Is this all I want? Is something missing?" He paused. "You need someone to probe you in that direction. It won't just happen automatically." I knew what he was saying. We all need teachers in our lives.

He must have started putting away a little money right after he cleaned up his first projectile vomit. It didn’t matter that he was only making a few dollars a day. Here’s the thing you have to understand about most immigrants. They’re experts at stashing cash in their Serta Sleepers. You pay a dude from Ghana or Guatemala a buck and he’ll sock away 90 cents of it. Pretty soon he’s made a down payment on a nice three-bedroom ranch in the burbs just by busing tables during the day and delivering pizza at night. Meanwhile, the rest of us are bitching because our six-figure incomes won’t cover the mortgage on the McMansion.

The earth and everything on it belong to the LORD” (Psalm 24:1 CEV). So although the bank account, trust fund, or mortgage might display our name, we’re not the real owner. Papa God is.

Despite your delusions to the contrary, swingers, by and large, are a civilized lot. We come in all ages, shapes, sizes, nationalities, and ethnicities. We have differing beliefs, varying opinions, IQs, and senses of humor. We have families, friends, careers, hobbies, mortgages, and retirement plans. In short, we’re just like everyone else. We don’t strap on leather chaps and nipple clamps to go about our day. Wearing kinks on our sleeves like badges of honor isn’t our style. Truth be told, we don’t talk that much about our dalliances—-at least not to Vanilla folk. We’re not ashamed. We simply assume most of the world doesn’t get our way of life. And more times than not, we’re right.

The combination of these two trends - declining real wages and inflated asset prices - led the American middle class to use debt as a substitute of income. People lacked adequate earnings but felt wealthier. A generation of Americans grew accustomed to borrowing against their homes to finance consumption, and banks were more than happy to be their enablers. In my generation, second mortgages were considered highly risky for homeowners. The financial industry re-branded them as home equity loans, and they became ubiquitous. Third mortgages, even riskier, were marketed as 'home equity lines of credit.

There are people who are alive today because of the health coverage he made possible. There are soldiers home with their families instead of halfway across the world. There are hundreds of thousands of autoworkers on the assembly line who would have been idled but for him, and the overall economy is in better shape than it has been in years. There are folks who are getting improved deals from their banks and mortgage lenders thanks to new rules in place and a new cop on the beat. There are gay and lesbian Americans who are, for the first time, free to defend their country without having to lie about who they are. There are women who have greater legal recourse when they’re paid less than the man doing the exact same job alongside them. There are families who can afford to send their kids to college because there is more aid available.

whether your home costs $500,000 or $2 million. A 30-year loan on $270,000 at 6% requires an initial monthly payment of $1,618. With this technique, you would also write a second check for an extra $270—next month’s principal balance—a very small number, relatively speaking. That second check of $270 is money you’ll never pay interest on. To be clear, you’re not paying extra money; you’re simply prepaying next month’s principal a touch sooner. Hold yourself to this pay-it-forward strategy each month, and, again, you’ll be able to pay off a 30-year mortgage in just 15 years—cutting the total cost of your home by close to 50%.

There is no social upheaval that will really affect them. If you’re comfortably middle-class, what’s the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine – but maybe cheaper – go on holiday – but somewhere nearer – and pay off your mortgage – although maybe later. ‘Consider, now, then, the poor. What’s the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school – with no escape route to a prep. It can have you out of your house and in a B&B by the end of the year. When the middle-classes get passionate about politics, they’re arguing about their treats – their tax-breaks and their investments. When the poor get passionate about politics, they’re fighting for their lives.

Trillions of dollars in homeowner equity…so are the best “captains” of “equity conversion airplanes” the homeowners themselves? No. There is an impetus placed upon real estate professionals - as well as an implied responsibility - to honestly, to effectively and to accurately communicate reality to home sellers. An inability to do so? Fewer real estate listings. Lower sale prices for home sellers. Less equity converted into cash for home sellers. Less revenue for real estate companies. Inopportune…across the board. Three years ago, American homeowners were custodians of an estimated $19 trillion in homeowner equity. Furthermore, over the past three years - even with these stubbornly-elevated mortgage rates - we witnessed an uninterrupted, further run-up in home prices. More equity gained, for American homeowners. As mortgage rates ease downwards heading into the fall, unlocking trillions of dollars in homeowner equity - as a result of more homeowners deciding to either trade up to larger homes, or to downsize to smaller homes, circumstances permitting - will trigger a large-scale (and an upcoming) re-thinking of this following question by more and more homeowners: What shall we now do with this equity we have in our home? So what’s the plan? In real estate, the effective utilization of well-tested "tools,” such as 3-D tours and virtual staging, coupled to good marketing processes - I.e.: a Marketing Plan - deployed by successful real estate teams is a great way for homeowners to convert the equity they have in their homes into cash. It works. Ok, so if you are a for sale by owner home seller in 2024, data indicate that an over-reliance in - as well as, maybe, blind faith placed upon(?), “the Internet,” if you decide to sell your home yourself, FSBO, could lead to an entirely avoidable (and a costly) home selling misadventure. As well as to a saddened foray for home sellers into this unintended outcome: lower sale prices.

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He runs a crew that’s been doing real-estate scams in Florida. They’d buy and sell the same house four or five times among themselves to jack up the price, take out a giant mortgage, and then walk away. That worked in boom times when houses were going up. Now they’re taking money to prevent foreclosures. The victim signs his house over to them.

Farmers take out bank loans to finance the operations, and rural banks have become proficient at helping the farmers become indebted. The banks have learned to break down a farmer’s debt payments into a schedule that perfectly coincides with the life cycle of a flock of chickens. The farmer pays the bank every six weeks or so, just when his paycheck arrives from Tyson. In many cases Tyson cooperates with the bank and draws the loan payment from the farmer’s pay, directly depositing it into the bank. So with every flock, the farmer is racing against his debt, hoping the birds Tyson delivers will gain enough weight to earn a payment that will cover the mortgage and bills for electricity, heating fuel, and water. Tyson has offloaded ownership to the farms, but it maintains control. The company always owns the chickens, even after it drops them off at the farm; it doesn’t sell baby chicks to the farmer and buy them back when they’re grown. So the farmer never owns his business’s most important asset. Tyson also owns the feed the birds eat, which is mixed at the Tyson plant according to the company’s recipe and then delivered to the farm on Tyson’s trucks according to a schedule that Tyson dictates.

When you’re ready to sell your rental property, you may be in for a very large windfall. That could produce a substantial tax bill, unless you take some steps to reduce that tax burden. There are three main ways to do that with rental properties: • Sell off some losing assets (like stocks that have plummeted) to offset the gain • Structure a special deal called a 1031 exchange • Turn the property into your primary residence for a couple of years before you sell

flipping business counts as a business for tax purposes (even if you’re just doing it as a side gig). All of your profits will be taxed at ordinary rates and be subject to self-employment taxes.