Timely Payment Quotes

And now the page before us blurs. An age is done. The book must close. We are abandoned to history. Raise high one more time the tattered standard Of the Fallen. See through the drifting smoke To the dark stains upon the fabric. This is the blood of our lives, this is the Payment of our deeds, all soon to be Forgotten. We were never what people could be. We were only what we were. Remember us.

I love language, words, and all the lovely, exciting, and heart wrenching things you can do with them. Pick the right ones, put them in the right order, and you’ve created a moment in time where the reader forgets about the late car payment, the dirty dishes, the impending workweek. You have created a state of bliss. Or negligence, depending on your perspective.

Life is nothing more than moments in time. To achieve greatness, you have to give up those moments. You have to give your life to your goal.

This is for you,' he (the Alchemist) said, holding one of the parts (of gold) out to the monk. 'It's for your generosity to the pilgrims.' 'But this payment goes well beyond my generosity,' the monk responded. 'Don't say that again. Life might be listening, and give you less the next time.

We'd hoped vaguely to fall in love but hadn't worried much about it, because we'd thought we had all the time in the world. Love had seemed so final and so dull -- love was what ruined our parents. Love had delivered them to a life of mortgage payments and household repairs; to unglamorous jobs and the flourescent aisles of a supermarket at two in the afternoon. We'd hoped for love of a different kind, love that knew and forgave our human frailty but did not miniaturize our grander ideas of ourselves. It sounded possible. If we didn't rush or grab, if we didn't panic, a love both challenging and nurturing might appear. If the person was imaginable, then the person could exist.

He looked down at the keys and played a gentle chord. Jesper wondered at how he could have mistaken Kuwei for Wylan. Their hands were completely different, the shape of the fingers, the knuckles. “Jes,” Wylan said, “did you mean what you told my father? Will you stay with me? Will you help?” Jesper leaned back on the pianoforte, resting on his elbows. “Let’s see. Live in a luxurious merch mansion, get waited on by servants, spend a little extra time with a budding demolitions expert who plays a mean flute? I guess I can manage it.” Jesper’s eyes traveled from the top of Wylan’s red-gold curls to the tips of his toes and back again. “But I do charge a pretty steep fee.” Wylan flushed a magnificent shade of pink. “Well, hopefully the medik will be here to fix my ribs soon,” he said as he headed back into the parlor. “Yeah?” “Yes,” said Wylan, glancing briefly over his shoulder, his cheeks now red as cherries. “I’d like to make a down payment.” Jesper released a bark of laughter. He couldn’t remember the last time he’d felt this good. And no one was even shooting at him.

Why do I take a blade and slash my arms? Why do I drink myself into a stupor? Why do I swallow bottles of pills and end up in A&E having my stomach pumped? Am I seeking attention? Showing off? The pain of the cuts releases the mental pain of the memories, but the pain of healing lasts weeks. After every self-harming or overdosing incident I run the risk of being sectioned and returned to a psychiatric institution, a harrowing prospect I would not recommend to anyone. So, why do I do it? I don't. If I had power over the alters, I'd stop them. I don't have that power. When they are out, they're out. I experience blank spells and lose time, consciousness, dignity. If I, Alice Jamieson, wanted attention, I would have completed my PhD and started to climb the academic career ladder. Flaunting the label 'doctor' is more attention-grabbing that lying drained of hope in hospital with steri-strips up your arms and the vile taste of liquid charcoal absorbing the chemicals in your stomach. In most things we do, we anticipate some reward or payment. We study for status and to get better jobs; we work for money; our children are little mirrors of our social standing; the charity donation and trip to Oxfam make us feel good. Every kindness carries the potential gift of a responding kindness: you reap what you sow. There is no advantage in my harming myself; no reason for me to invent delusional memories of incest and ritual abuse. There is nothing to be gained in an A&E department.

To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with their boats at sea... "cruising" it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about. "I've always wanted to sail to the south seas, but I can't afford it." What these men can't afford is not to go. They are enmeshed in the cancerous discipline of "security." And in the worship of security we fling our lives beneath the wheels of routine - and before we know it our lives are gone. What does a man need - really need? A few pounds of food each day, heat and shelter, six feet to lie down in - and some form of working activity that will yield a sense of accomplishment. That's all - in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade. The years thunder by, The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed. Where, then, lies the answer? In choice. Which shall it be: bankruptcy of purse or bankruptcy of life?

I generally find,' Clent murmured after a pause, 'that it is best to treat borrowed time the same way as borrowed money. Spend it with panache, and try to be somewhere else when it runs out.' 'And when we get found, Mr. Clent, when the creditors and bailiffs come after us and it's payment time...' '...then we borrow more, madam, at a higher interest. We embark on a wilder gamble, make a bigger promise, tell a braver story, devise a more intricate lie, sell the hides of imaginary dragons to desperate men, climb to even higher and more precarious ground...and later, of course, our fall and catastrophe will be all the worse, but later will be our watchword, Mosca. We have nothing else - but we can at least make later later.

We were children of the 1950s and John Kennedy's young stalwarts of the early 1960s. He told the world that Americans would "pay any price, bear any burden, meet any hardship" in the defense of freedom. We were the down payment on that costly contract, but the man who signed it was not there when we fulfilled his promise. John Kennedy waited for us on a hill in Arlington National Cemetery, and in time we came by the thousands to fill those slopes with out white marble markers and to ask on the murmur of the wind if that was truely the future he had envisioned for us.

Now discontent nibbled at him - not painfully, but constantly. Where does discontent start? You are warm enough, but you shiver. You are fed, yet hunger gnaws you. You have been loved, but your yearning wanders in new fields. And to prod all these there's time, the bastard Time. The end of life is now not so terribly far away - you can see it the way you see the finish line when you come into the stretch - and your mind says, "Have I worked enough? Have I eaten enough? Have I loved enough?" All of these, of course, are the foundation of man's greatest curse, and perhaps his greatest glory. "What has my life meant so far, and what can it mean in the time left to me?" And now we're coming to the wicked, poisoned dart: "What have I contributed in the Great Ledger? What am I worth?" And this isn't vanity or ambition. Men seem to be born with a debt they can never pay no matter how hard they try. It piles up ahead of them. Man owes something to man. If he ignores the debt it poisons him, and if he tries to make payments the debt only increases, and the quality of his gift is the measure of the man.

The door refused to open. It said, “Five cents, please.” He searched his pockets. No more coins; nothing. “I’ll pay you tomorrow,” he told the door. Again he tried the knob. Again it remained locked tight. “What I pay you,” he informed it, “is in the nature of a gratuity; I don’t have to pay you.” “I think otherwise,” the door said. “Look in the purchase contract you signed when you bought this conapt.” In his desk drawer he found the contract; since signing it he had found it necessary to refer to the document many times. Sure enough; payment to his door for opening and shutting constituted a mandatory fee. Not a tip. “You discover I’m right,” the door said. It sounded smug. From the drawer beside the sink Joe Chip got a stainless steel knife; with it he began systematically to unscrew the bolt assembly of his apt’s money-gulping door. “I’ll sue you,” the door said as the first screw fell out. Joe Chip said, “I’ve never been sued by a door. But I guess I can live through it.

We reminded them once, then a second time, and then we sent my sister in an Armani suit, armed with her laptop. None of us had any idea what she said, but the payment usually arrived within twenty-four hours.

Everyone has some kind of debt. Such is life. Debts and liabilities, obligations, gratitude, payments, doing something for someone. Or perhaps for ourselves? For in fact we are always paying ourselves back and not someone else. Each time we are indebted we pay off the debt to ourselves. In each of us lies a creditor and a debtor at once and the art is for the reckoning to tally inside us. We enter the world as a minute part of the life we are given, and from then on we are ever paying off debts, To ourselves. For ourselves. In order for the final reckoning to tally.

The problem is, it's just not enough to live according to the rules. Sure, you manage to live according to the rules. Sometimes it's tight, extremely tight, but on the whole you manage it. Your tax papers are up to date. Your bills paid on time. You never go out without your identity card (and the special little wallet for your Visa!). Yet you haven’t any friends. The rules are complex, multiform. There’s the shopping that needs doing out of working hours, the automatic dispensers where money has to be got (and where you so often have to wait). Above all there are the different payments you must make to the organizations that run different aspects of your life. You can fall ill into the bargain, which involves costs, and more formalities. Nevertheless, some free time remains. What’s to be done? How do you use your time? In dedicating yourself to helping people? But basically other people don’t interest you. Listening to records? That used to be a solution, but as the years go by you have to say that music moves you less and less. Taken in its widest sense, a spot of do-it-yourself can be a way out. But the fact is that nothing can halt the ever-increasing recurrence of those moments when your total isolation, the sensation of an all-consuming emptiness, the foreboding that your existence is nearing a painful and definitive end all combine to plunge you into a state of real suffering. And yet you haven’t always wanted to die. You have had a life. There have been moments when you were having a life. Of course you don't remember too much about it; but there are photographs to prove it. This was probably happening round about the time of your adolescence, or just after. How great your appetite for life was, then! Existence seemed so rich in new possibilities. You might become a pop singer, go off to Venezuela. More surprising still, you have had a childhood. Observe, now, a child of seven, playing with his little soldiers on the living room carpet. I want you to observe him closely. Since the divorce he no longer has a father. Only rarely does he see his mother, who occupies an important post in a cosmetics firm. And yet he plays with his little soldiers and the interest he takes in these representations of the world and of war seems very keen. He already lacks a bit of affection, that's for sure, but what an air he has of being interested in the world! You too, you took an interest in the world. That was long ago. I want you to cast your mind back to then. The domain of the rules was no longer enough for you; you were unable to live any longer in the domain of the rules; so you had to enter into the domain of the struggle. I ask you to go back to that precise moment. It was long ago, no? Cast your mind back: the water was cold.

You know Chad’s definition of the New Poor? People who are too far behind with time-payments on next year’s model to make the down-payment on the one for the year after?

The only dream I ever had was the dream of New York itself, and for me, from the minute I touched down in this city, that was enough. It became the best teacher I ever had. If your mother is anything like mine, after all, there are a lot of important things she probably didn't teach you: how to use a vibrator; how to go to a loan shark and pull a loan at 17 percent that's due in thirty days; how to hire your first divorce attorney; what to look for in a doula (a birth coach) should you find yourself alone and pregnant. My mother never taught me how to date three people at the same time or how to interview a nanny or what to wear in an ashram in India or how to meditate. She also failed to mention crotchless underwear, how to make my first down payment on an apartment, the benefits of renting verses owning, and the difference between a slant-6 engine and a V-8 (in case I wanted to get a muscle car), not to mention how to employ a team of people to help me with my life, from trainers to hair colorists to nutritionists to shrinks. (Luckily, New York became one of many other moms I am to have in my lifetime.) So many mothers say they want their daughters to be independent, but what they really hope is that they'll find a well-compensated banker or lawyer and settle down between the ages of twenty-five and twenty-eight in Greenwich, Darien, or That Town, USA, to raise babies, do the grocery shopping, and work out in relative comfort for the rest of their lives. I know this because I employ their daughters. They raise us to think they want us to have careers, and they send us to college, but even they don't really believe women can be autonomous and take care of themselves.

I can no longer take war or promotion or big income or a large house seriously. I reject empire and Vietnam and placing a man on the moon. I deny time payments and looking like the girl next door and church weddings and a great deal more. If you want to blame such rejection on grass, you can do so. I charge it to awakening.

The Friend of Your Youth is the only friend you will ever have, for he does not really see you. He sees in his mind a face that does not exist anymore, speaks a name – Spike, Bud, Snip, Red, Rusty, Jack, Dave – which belongs to that now nonexistent face but which by some inane doddering confusion of the universe is for the moment attached to a not happily met and boring stranger. But he humors the drooling doddering confusion of the universe and continues to address politely that dull stranger by the name which properly belongs to the boy face and to the time when the boy voice called thinly across the late afternoon water or murmured by a campfire at night or in the middle of a crowded street said, “Gee, listen to this–’On Wenlock Edge the wood’s in trouble; His forest fleece the Wrekin heaves–’” The Friend of Your Youth is your friend because he does not see you anymore. And perhaps he never saw you. What he saw was simply part of the furniture of the wonderful opening world. Friendship was something he suddenly discovered and had to give away as a recognition of and payment for the breathlessly opening world which momently divulged itself like a moonflower. It didn’t matter a damn to whom he gave it, for the fact of giving was what mattered, and if you happened to be handy you were automatically endowed with all the appropriate attributes of a friend and forever after your reality is irrelevant. The Friend of Your Youth is the only friend you will ever have, for he hasn’t the slightest concern with calculating his interest or your virtue. He doesn’t give a damn, for the moment, about Getting Ahead or Needs Must Admiring the Best, the two official criteria in adult friendships, and when the boring stranger appears, he puts out his hand and smiles (not really seeing your face) and speaks your name (which doesn’t really belong to your face), saying, “Well, Jack, damned glad you came, come on in, boy!

At last, Lady Evenstar, fairest in this world, and most beloved, my world is fading. Lo! we have gathered, and we have spent, and now the time of payment draws near." 'Arwen knew well what he intended, and long had foreseen it; nonetheless she was overborne by her grief. "Would you then, lord, before your time leave your people that live by your word?" she said.

Ten Best Song to Strip 1. Any hip-swiveling R&B fuckjam. This category includes The Greatest Stripping Song of All Time: "Remix to Ignition" by R. Kelly. 2. "Purple Rain" by Prince, but you have to be really theatrical about it. Arch your back like Prince himself is daubing body glitter on your abdomen. Most effective in nearly empty, pathos-ridden juice bars. 3. "Honky Tonk Woman" by the Rolling Stones. Insta-attitude. Makes even the clumsiest troglodyte strut like Anita Pallenberg. (However, the Troggs will make you look like even more of a troglodyte, so avoid if possible.) 4. "Pour Some Sugar on Me" by Def Leppard. The Lep's shouted choruses and relentless programmed drums prove ideal for chicks who can really stomp. (Coincidence: I once saw a stripper who, like Rick Allen, had only one arm.) 5. "Amber" by 311. This fluid stoner anthem is a favorite of midnight tokers at strip joints everywhere. Mellow enough that even the most shitfaced dancer can make it through the song and back to her Graffix bong without breaking a sweat. Pass the Fritos Scoops, dude. 6. "Miserable" by Lit, but mostly because Pamela Anderson is in the video, and she's like Jesus for strippers (blonde, plastic, capable of parlaying a broken nail into a domestic battery charge, damaged liver). Alos, you can't go wrong stripping to a song that opens with the line "You make me come." 7. "Back Door Man" by The Doors. Almost too easy. The mere implication that you like it in the ass will thrill the average strip-club patron. Just get on all fours and crawl your way toward the down payment on that condo in Cozumel. (Unless, like most strippers, you'd rather blow your nest egg on tacky pimped-out SUVs and Coach purses.) 8. Back in Black" by AC/DC. Producer Mutt Lange wants you to strip. He does. He told me. 9. "I Touch Myself" by the Devinyls. Strip to this, and that guy at the tip rail with the bitch tits and the shop teacher glasses will actually believe that he alone has inspired you to masturbate. Take his money, then go masturbate and think about someone else. 10. "Hash Pipe" by Weezer. Sure, it smells of nerd. But River Cuomo is obsessed with Asian chicks and nose candy, and that's just the spirit you want to evoke in a strip club. I recommend busting out your most crunk pole tricks during this one.

within the capitalist system all methods for raising the social productiveness of labour are brought about at the cost of the individual labourer; all means for the development of production transform themselves into means of domination over, and exploitation of, the producers; they mutilate the labourer into a fragment of a man, degrade him to the level of an appendage of a machine, destroy every remnant of charm in his work and turn it into a hated toil; they estrange from him the intellectual potentialities of the labour process in the same proportion as science is incorporated in it as an independent power; they distort the conditions under which he works, subject him during the labour process to a despotism the more hateful for its meanness; they transform his life-time into working-time, and drag his wife and child beneath the wheels of the Juggernaut of capital. But all methods for the production of surplus-value are at the same time methods of accumulation; and every extension of accumulation becomes again a means for the development of those methods. It follows therefore that in proportion as capital accumulates, the lot of the labourer, be his payment high or low, must grow worse. The law, finally, that always equilibrates the relative surplus population, or industrial reserve army, to the extent and energy of accumulation, this law rivets the labourer to capital more firmly than the wedges of Vulcan did Prometheus to the rock. It establishes an accumulation of misery, corresponding with accumulation of capital. Accumulation of wealth at one pole is, therefore, at the same time accumulation of misery, agony of toil slavery, ignorance, brutality, mental degradation, at the opposite pole, i.e., on the side of the class that produces its own product in the form of capital.

And this time he would have said it, right? I love you. So much. Too much. But that was forbidden. For all time. The Elf would take his heart in payment.

Stop managing time. Start prioritizing attention.

I came home to find three rocks on my desk and a card with a penguin on the front. Seeing it was from Greg, I did a little happy dance as I bounced into my room, reading his inscription. Dearest Fiona, I’m missing you dreadfully. It’s been an age, I don’t think you’ll recognize me when next we meet. I’ve put on ten stone and lost all my hair. And an eye. I hope you fancy a fat bald man with an eye patch. Come out with me on Friday. Finals will finally be over and it’ll be time to celebrate. I’ll pick you up at four. We’ll do a first date do-over, eat at Manganiello’s again, plus a new, improved surprise. Also, FYI: Gentoo penguins mate for life. Whereas Adélie penguins prostitute themselves for rocks. I’d like to be your Gentoo penguin. -Greg P.S. Unless you’re open to a rock arrangement. If so, please find my first down payment enclosed.

Ten years. It wasn't enough time, but I would live every blessed second of it. "We're going to San Fransisco." She smiled up at me. "We'll get a house in North Beach." "Right away," I said. "I've got the down payment and then some." She signed and pulled me close. "We're going to be so happy." We would be. I'd dust the knickknacks, burn the sausage, wake up next to her every morning. I'd be grateful, even though I knew the end.

Of the little less than a million eligibles roaming around, 5 percent don't know their sign and don't even care. Another 5 percent are tied to their mothers by a food fixation. That leaves only 20 percent who are searching for a girl who will pick up their clothes, run their baths, burn her fingers shelling their three-minute eggs, run their errands, bear them a child every year, look like a fashion model, tend their needs when they are sick, and hold down a full-time job outside the home to make payments on their boat.

She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbours had new gadgets as much as two years before we did.

The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can’t imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase— in other words, with no payment plan or use of credit cards.

...I do not function too well on emotional motivations. I am wary of them. And I am wary of a lot of other things, such as plastic credit cards, payroll deductions, insurance programs, retirement benefits, savings accounts, Green Stamps, time clocks, newspapers, mortgages, sermons, miracle fabrics, deodorants, check lists, time payments, political parties, lending libraries, television, actresses, junior chambers of commerce, pageants, progress, and manifest destiny.

Meanwhile, the Times, London, ran a full-page advertisement on 15 August protesting the Emergency, proclaiming, ‘Today is India’s Independence Day. Don’t let the light go out on Indian Democracy.’ It was signed by 700 prominent world citizens, intellectuals, writers, artistes and MPs who had contributed towards the payment for the ad and signed the appeal.

The payment of tithing seems to facilitate keeping the spiritual battery charged in order to make it through the times when the spiritual generator has been idle or not working.

Loan amortization schedules outline how loan payments are allocated between principal and interest. These can make the difference between pays as agreed or default at some future point in time.

Three-quarters of dads who were in South Carolina jails for being behind in child support payments suffer from extreme poverty. And one-eighth of all South Carolina inmates are in jail for being behind in child support payments. No dad is imprisoned for not spending enough time with his children. And it is rare for a mom to go to jail for preventing dad from spending enough time with his children.

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.

The financial and economic consequences of the stoppage of payments by the largest purchaser of goods and services on planet Earth could not be calculated, could barely even be imagined. It would be a nuclear event—and Republican Party leaders were willing to threaten it not only once, but a second time again in 2013.

All men, at one time or another, have fallen in love with the veiled Isis whom they call Truth. With most, this has been a passing passion: they have early seen its hopelessness and turned to more practical things. But others remain all their lives the devout lovers of reality: though the manner of their love, the vision which they make to themselves of the beloved object varies enormously. Some see Truth as Dante saw Beatrice: an adorable yet intangible figure, found in this world yet revealing the next. To others she seems rather an evil but an irresistible enchantress: enticing, demanding payment and betraying her lover at the last. Some have seen her in a test tube, and some in a poet’s dream: some before the altar, others in the slime. The extreme pragmatists have even sought her in the kitchen; declaring that she may best be recognized by her utility. Last stage of all, the philosophic sceptic has comforted an unsuccessful courtship by assuring himself that his mistress is not really there.

So what's your doll's name?" Boo asked me. "Barbie," I said. "All their names are Barbie." "I see," she said. "Well, I'd think that would get boring, everyone having the same name." I thought about this, then said, "Okay, then her name is Sabrina." "Well, that's a very nice name," Boo said. I remember she was baking bread, kneading the dough between her thick fingers. "What does she do?" "Do?" I said. "Yes." She flipped the dough over and started in on it from the other side. "What does she do?" "She goes out with Ken," I said. "And what else?" "She goes to parties," I said slowly. "And shopping." "Oh," Boo said, nodding. "She can't work?" "She doesn't have to work," I said. "Why not?" "Because she's Barbie." "I hate to tell you, Caitlin, but somebody has to make payments on that town house and the Corvette," Boo said cheerfully. "Unless Barbie has a lot of family money." I considered this while I put on Ken's pants. Boo started pushing the dough into a pan, smoothing it with her hand over the top. "You know what I think, Caitlin?" Her voice was soft and nice, the way she always spoke to me. "What?" "I think your Barbie can go shopping, and go out with Ken, and also have a productive and satisfying career of her own." She opened the oven and slid in the bread pan, adjusting its position on the rack. "But what can she do?" My mother didn't work and spent her time cleaning the house and going to PTA. I couldn't imagine Barbie, whose most casual outfit had sequins and go-go boots, doing s.uch things. Boo came over and plopped right down beside me. I always remember her being on my level; she'd sit on the edge of the sandbox, or lie across her bed with me and Cass as we listened to the radio. "Well," she said thoughtfully, picking up Ken and examining his perfect physique. "What do you want to do when you grow up?" I remember this moment so well; I can still see Boo sitting there on the floor, cross- legged, holding my Ken and watching my face as she tried to make me see that between my mother's PTA and Boo's strange ways there was a middle ground that began here with my Barbie, Sab-rina, and led right to me. "Well," I said abruptly, "I want to be in advertising." I have no idea where this came from. "Advertising," Boo repeated, nodding. "Okay. Advertising it is. So Sabrina has to go to work every day, coming up with ideas for commercials and things like that." "She works in an office," I went on. "Sometimes she has to work late." "Sure she does," Boo said. "It's hard to get ahead. Even if you're Barbie." "Because she wants to get promoted," I added. "So she can pay off the town house. And the Corvette." "Very responsible of her," Boo said. "Can she be divorced?" I asked. "And famous for her commercials and ideas?" "She can be anything," Boo told me, and this is what I remember most, her freckled face so solemn, as if she knew she was the first to tell me. "And so can you.

You died that day in the accident. Your mother made a deal, her soul to save your life. She was smart. She bargained for more time, time to raise you to adulthood. Then her payment came due, and deals made with devils cannot be broken." My

A credit default swap was confusing mainly because it wasn’t really a swap at all. It was an insurance policy, typically on a corporate bond, with semiannual premium payments and a fixed term. For instance, you might pay $200,000 a year to buy a ten-year credit default swap on $100 million in General Electric bonds. The most you could lose was $2 million: $200,000 a year for ten years. The most you could make was $100 million, if General Electric defaulted on its debt any time in the next ten years and bondholders recovered nothing. It was a zero-sum bet: If you made $100 million, the guy who had sold you the credit default swap lost $100 million. It was also an asymmetric bet, like laying down money on a number in roulette. The most you could lose were the chips you put on the table; but if your number came up you made thirty, forty, even fifty times your money.

While everyone else must pay their debts or go bankrupt, the banks are permitted to refuse redemption of their receipts, at the same time forcing their own debtors to pay when their loans fall due. The usual name for this is a “suspension of specie payments.” A more accurate name would be “license for theft;” for what else can we call a governmental permission to continue in business without fulfilling one’s contract?

Death pulls people from our spaces so often and we accept it as our final payment for having been here and having lived, however big or small. We don’t always have time to notice how things have changed in the absence of some of them. But then death pulls away someone we love, and we find that time. In here, we notice everything; growing grass and fingernails, and songs that end in a minor key. We are too sad to do anything else but watch a clock, applying seconds, minutes, and hours to the trauma and the lacerations. Time, the forever healer, they say. We find the time to wonder how everyone else is moving on, around our paralyzed selves. Ourselves unsure of roads and trees and birds and things. It all blurs and words aren’t words anymore. We find the time to attempt to figure a way to rethink everything we thought about this world and why we came to it.

Jes,” Wylan said, “did you mean what you told my father? Will you stay with me? Will you help?” Jesper leaned back on the pianoforte, resting on his elbows. “Let’s see. Live in a luxurious merch mansion, get waited on by servants, spend a little extra time with a budding demolitions expert who plays a mean flute? I guess I can manage it.” Jesper’s eyes traveled from the top of Wylan’s red-gold curls to the tips of his toes and back again. “But I do charge a pretty steep fee.” Wylan flushed a magnificent shade of pink. “Well, hopefully the medik will be here to fix my ribs soon,” he said as he headed back into the parlor. “Yeah?” “Yes,” said Wylan, glancing briefly over his shoulder, his cheeks now red as cherries. “I’d like to make a down payment.” Jesper released a bark of laughter. He couldn’t remember the last time he’d felt this good. And no one was even shooting at him.

Where America really differs from other countries is in the colossal costs of its health care. An angiogram, a survey by The New York Times found, costs an average of $914 in the United States, $35 in Canada. Insulin costs about six times as much in America as it does in Europe. The average hip replacement costs $40,364 in America, almost six times the cost in Spain, while an MRI scan in the United States is, at $1,121, four times more than in the Netherlands. The entire system is notoriously unwieldy and cost-heavy. America has about 800,000 practicing physicians but needs twice that number of people to administer its payments system. The inescapable conclusion is that higher spending in America doesn’t necessarily result in better medicine, just higher costs.

OLD WOMAN having lost the use of her eyes, called in a Physician to heal them, and made this bargain with him in the presence of witnesses: that if he should cure her blindness, he should receive from her a sum of money; but if her infirmity remained, she should give him nothing. This agreement being made, the Physician, time after time, applied his salve to her eyes, and on every visit took something away, stealing all her property little by little. And when he had got all she had, he healed her and demanded the promised payment. The Old Woman, when she recovered her sight and saw none of her goods in her house, would give him nothing. The Physician insisted on his claim, and, as she still refused, summoned her before the Judge. The Old Woman, standing up in the Court, argued: "This man here speaks the truth in what he says; for I did promise to give him a sum of money if I should recover my sight: but if I continued blind, I was to

precious stones –the villagers didn’t complain too loudly, despite their fears of a grisly death. After all, the payments always exceeded the worth of the animal. But the villagers remained convinced that it was just a matter of time before the dragon set the village alight and snatched the village girls. “Come on, Keira.” Anna’s words broke through Keira’s thoughts, reminding her that her parents shared the same fears as the other villagers. “Mother’ll be furious if we don’t return

For every taxpayer, no matter who he is, establish a single tax, not too great, which is known in advance and collectable immediately from all payments, deliveries, transactions, and income. And this tribute must not exceed one tenth part, because the holy church has tested this since ancient times and learned from its own rich experience that a man will agree to pay a tenth part of his wealth, but no more, not even out of fear of our Father in Heaven. And this means that there is no point in tempting him.

There exist beings who, for the sake of obtaining the key to these enigmas, which are, moreover, of no consequence whatever to them, spend more money, waste more time, take more trouble, than would be required for ten good actions, and that gratuitously, for their own pleasure, without receiving any other payment for their curiosity than curiosity.

Everyone has a story, Hannah. Some people have shittier ones to play out. Maybe suffering is our payment for living on earth. The good times are gifts to us for putting up with the shitty times. It isn't anything you did, it’s just life. It isn’t karma or sin, its life and it kicks our ass one day and fills us with joy the next because that is all part of the experience.

He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws of Naturalization of Foreigners; refusing to pass others to encourage their migration hither, and raising the conditions of new Appropriations of Lands. He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary Powers. He has made judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries. He has erected a multitude of New Offices, and sent hither swarms of Officers to harass our People, and eat out their substance. He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures. He has affected to render the Military independent of and superior to the Civil Power.

yes of course this is not new, has been going on throughout history... Could there be any real difference when this 'ruling class' used words like justice, fair play, equity, order, or ven socialism? -used them, might even have believed in them, or believed in them for a time; but meanwhile everything fell to pieces while still, as always, the administrators lived cushioned against the worst, trying to talk away, wish away, legislate away, the worst- for to admit that it was happening was to admit to themselves useless, admit the extra security they enjoyed was theft and not payment for services rendered...

Each time a police officer engages us, death, injury, maiming is possible. It is not enough to say that this is true of anyone or more true of criminals. The moment the officers began their pursuit of Prince Jones, his life was in danger. The Dreamers accept this as the cost of doing business, accept our bodies as currency, because it is their tradition. As slaves we were this country’s first windfall, the down payment on its freedom. After the ruin and liberation of the Civil War came Redemption for the unrepentant South and Reunion, and our bodies became this country’s second mortgage. In the New Deal we were their guestroom, their finished basement. And today, with a sprawling prison system, which has turned the warehousing of black bodies into a jobs program for Dreamers and a lucrative investment for Dreamers; today, when 8 percent of the world’s prisoners are black men, our bodies have refinanced the Dream of being white. Black life is cheap, but in America black bodies are a natural resource of incomparable value.

mortgage The word literally means “dead pledge,” and if it were called that maybe more people would think twice about getting one. It is a classic example of a financial entity that would scare people off if they thought more clearly about what it is: a highly leveraged form of long-term borrowing with regular demands for cash payment against an illiquid asset that is known to be even more illiquid in difficult times.

Investment Owner’s Contract I, _____________ ___________________, hereby state that I am an investor who is seeking to accumulate wealth for many years into the future. I know that there will be many times when I will be tempted to invest in stocks or bonds because they have gone (or “are going”) up in price, and other times when I will be tempted to sell my investments because they have gone (or “are going”) down. I hereby declare my refusal to let a herd of strangers make my financial decisions for me. I further make a solemn commitment never to invest because the stock market has gone up, and never to sell because it has gone down. Instead, I will invest $______.00 per month, every month, through an automatic investment plan or “dollar-cost averaging program,” into the following mutual fund(s) or diversified portfolio(s): _________________________________, _________________________________, _________________________________. I will also invest additional amounts whenever I can afford to spare the cash (and can afford to lose it in the short run). I hereby declare that I will hold each of these investments continually through at least the following date (which must be a minimum of 10 years after the date of this contact): _________________ _____, 20__. The only exceptions allowed under the terms of this contract are a sudden, pressing need for cash, like a health-care emergency or the loss of my job, or a planned expenditure like a housing down payment or a tuition bill. I am, by signing below, stating my intention not only to abide by the terms of this contract, but to re-read this document whenever I am tempted to sell any of my investments. This contract is valid only when signed by at least one witness, and must be kept in a safe place that is easily accessible for future reference.

But, no, really, I had it this time. One of my first Salon essays was about confronting my debt, which had gotten so out of control I had to borrow money from my parents. That was a low moment, but it came with a boost of integrity. A free tax attorney helped me calculate the amount I owed the IRS - $40,000 - and put me on a payment plan. My commitment was seven years, which made me feel like the guy in Shawshank Redemption, tunneling out of prison with a spoon.

because friendships that are obtained by payments, and not by greatness or nobility of mind, may indeed be earned, but they are not secured, and in time of need cannot be relied upon; and men have less scruple in offending one who is beloved than one who is feared, for love is preserved by the link of obligation which, owing to the baseness of men, is broken at every opportunity for their advantage; but fear preserves you by a dread of punishment which never fails.

Hercules expressed no wonder at any point of the recital, but when he heard of Medea’s infatuation for Jason he sighed and remarked with unusual mildness, ”The poor girl, I pity her! Echion, my friend, I have a message for you to deliver, and here is my silver cup in payment. Tell the Princess I condole with her, no less heartily than I condoled with Queen Hypsipyle of Lemnos. Tell her that Jason will treat her no less faithlessly than he treated Hypsipyle, though for his sake she has cut herself off from her own house and people and become an accessory to parricide and fratricide. Assure her that when he deserts her, whether it be this year or next year or in twelve years’ time, she can steadfastly count upon Hercules of Tiryns to avenge her or comfort her.

Karl Marx already saw this in his time, writing in the Communist Manifesto: Wherever the bourgeoisie has come to dominate, it has destroyed all feudal, patriarchal, idyllic conditions. It has pitilessly torn asunder the motley bands that attached man to his natural superior, leaving no other bond between man than naked self-interest, inexorable “cash payment.” It has drowned the most heavenly ecstasies of religious fervor, of chivalrous enthusiasm, of philistine sentimentality in the icy water of egotistical calculation.

She looked at him and he read in her eyes a disappointment that he should have stooped to the dead relative excuse. Yet he was as entitled as the next man to use it. People did it all the time; it was understood that there was a defined window of availability beginning a decent few days after a funeral and continuing for no more than a couple of months. Of course, some people took dreadful advantage and a year later were still hauling around their dead relatives on their backs, showing them off to explain late tax payments and missed dentist appointments: something he would never do.

Expectations about divorce are partly self-fulfilling because a higher expected probability of divorce reduces investments in specific capital and thereby raises the actual probability. 7 For example, consensual and trial marriages are less stable than legal marriages, and marriages between persons of different religions or races are less stable than those within a religion or race, partly because mixed marriages have fewer children. At the same time, as indicated, mixed marriages have fewer children partly because they are expected to be less stable. Specific investment and imperfect information can explain why homosexual unions are much less stable than heterosexual marriages (Saghir and Robins, 1973, pp. 56-58, 226-227). Homosexual unions do not result in children, and generally they have a less extensive division of labor and less marital-specific capital than heterosexual marriages. Moreover, the opprobrium attached to homosexuality has raised the cost of search to homosexuals and thereby has reduced the information available to them. Furthermore, homosexual unions, like trial marriages, can dissolve without legal adversary proceedings, alimony, or child support payments.

Bill.' If you don't, I'll do this," and with that he gave me a twitch that I thought would have made me faint. Between this and that, I was so utterly terrified of the blind beggar that I forgot my terror of the captain, and as I opened the parlour door, cried out the words he had ordered in a trembling voice. The poor captain raised his eyes, and at one look the rum went out of him and left him staring sober. The expression of his face was not so much of terror as of mortal sickness. He made a movement to rise, but I do not believe he had enough force left in his body. "Now, Bill, sit where you are," said the beggar. "If I can't see, I can hear a finger stirring. Business is business. Hold out your left hand. Boy, take his left hand by the wrist and bring it near to my right." We both obeyed him to the letter, and I saw him pass something from the hollow of the hand that held his stick into the palm of the captain's, which closed upon it instantly. "And now that's done," said the blind man; and at the words he suddenly left hold of me, and with incredible accuracy and nimbleness, skipped out of the parlour and into the road, where, as I still stood motionless, I could hear his stick go tap-tap-tapping into the distance. It was some time before either I or the captain seemed to gather our senses, but at length, and about at the same moment, I released his wrist, which I was still holding, and he drew in his hand and looked sharply into the palm. "Ten o'clock!" he cried. "Six hours. We'll do them yet," and he sprang to his feet. Even as he did so, he reeled, put his hand to his throat, stood swaying for a moment, and then, with a peculiar sound, fell from his whole height face foremost to the floor. I ran to him at once, calling to my mother. But haste was all in vain. The captain had been struck dead by thundering apoplexy. It is a curious thing to understand, for I had certainly never liked the man, though of late I had begun to pity him, but as soon as I saw that he was dead, I burst into a flood of tears. It was the second death I had known, and the sorrow of the first was still fresh in my heart. 4 The Sea-chest I LOST no time, of course, in telling my mother all that I knew, and perhaps should have told her long before, and we saw ourselves at once in a difficult and dangerous position. Some of the man's money—if he had any—was certainly due to us, but it was not likely that our captain's shipmates, above all the two specimens seen by me, Black Dog and the blind beggar, would be inclined to give up their booty in payment of the dead man's debts. The captain's order to mount at once and ride for Doctor Livesey would have left my mother alone and unprotected, which was not to be thought of. Indeed, it seemed impossible for either of us to remain much longer in the house; the fall of coals in the kitchen grate, the very ticking of the clock, filled us with alarms. The neighbourhood, to our ears, seemed haunted by approaching footsteps; and what between the dead body of the captain on the parlour floor and the thought of that detestable blind beggar hovering near at hand and ready to return, there were moments when, as the saying goes, I jumped in my skin for terror. Something must speedily be resolved upon, and it occurred to us at last to go forth together and seek help in the neighbouring hamlet. No sooner said than done. Bare-headed as we were, we ran out at once in the gathering evening and the frosty fog. The hamlet lay not many hundred yards away, though out of view, on the other side of the next cove; and what greatly encouraged me, it was in an opposite direction from that whence the blind man had made his appearance and whither he had presumably returned. We were not many minutes on the road, though we sometimes stopped to lay hold of each other and hearken. But there was no unusual sound—nothing but the low wash of the ripple and the croaking of the inmates of the wood.

But that so rarely works. And if our hearts and brains don’t acknowledge these kinds of truths, they don’t just go away. They burrow into our bodies. For me, any truth I try to push aside seems to seek asylum in my lumbar curve. Ignoring it doesn’t make it go away; it just makes it a refugee. And the refugee camp that establishes itself in my low back grows and gets more and more painful over time. There is a cost to trying to deny pain, to trying to deny ourselves the process of grieving. Eventually our bodies must process it, and there will be, in the end, an emotional balloon payment that comes due.

Me: I’m glad we never had to resort to robbing banks for money. You’d be a terrible accomplice. Georgia: Yes, remember that. Me = terrible accomplice. Me: Tell me something I don’t already know. If you were a hooker, you’d probably track your payments on an Excel spreadsheet and claim them on your taxes. (Add terrible hooker to the list.) Georgia: Whatever. I’d be the most organized hooker. I’d get one of those credit card swipe-y things. Me: When is the right time to complete the transaction in that scenario? Georgia: I think they’d swipe before, and sign their PayPal receipt after. Me: Prostitute Georgia is classy AF. Georgia: I know, right?

For example, trading in S&P 500-linked futures totaled more than $60 trillion(!) in 2011, five times the S&P 500 Index total market capitalization of $12.5 trillion. We also have credit default swaps, which are essentially bets on whether a corporation can meet the interest payments on its bonds. These credit default swaps alone had a notional value of $33 trillion. Add to this total a slew of other derivatives, whose notional value as 2012 began totaled a cool $708 trillion. By contrast, for what it’s worth, the aggregate capitalization of the world’s stock and bond markets is about $150 trillion, less than one-fourth as much. Is this a great financial system . . . or what!

He put his hand on a waist-high bit of wall, and a chunk of stone immediately shook loose. It landed on his boot, crushing his great toe. Logan kicked it aside and ground out a curse. He turned in time to see Rabbie extending an open palm in Callum's direction. "I'll take my payment now." Callum resentfully dug a coin from his sporran and placed it in Rabbie's hand. Logan had had enough of their mysterious chatter. "Explain yourselves." "I'm just settling a wager with Callum," Rabbie said. "What kind of bet?" he demanded. "As to whether you bedded your wee little English bride on the wedding night." Rabbie grinned. "I said no. I won." Damn. Was his frustration that obvious? Logan thought of the way he'd just cursed at a rock. Yes, it probably was.

Hercules expressed no wonder at any point of the recital, but when he heard of Medea’s infatuation for Jason he sighed and remarked with unusual mildness, ”The poor girl, I pity her! Echion, my friend, I have a message for you to deliver, and here is my silver cup in payment. Tell the Princess I condole with her, no less heartily than I condoled with Queen Hypsipyle of Lemnos. Tell her that Jason will treat her no less faithlessly than he treated Hypsipyle, though for his sake she has cut herself off from her own house and people and become a come an accessory to parricide and fratricide. Assure her that when he deserts her, whether it be this year or next year or in twelve years’ time, she can steadfastly count upon Hercules of Tiryns to avenge her or comfort her.

And be it enacted, by the authority aforesaid, that when the said contributors shall have met and chosen their managers and treasurer, and shall have raised by their contributions a capital stock of ——- value (the yearly interest of which is to be applied to the accommodating of the sick poor in the said hospital, free of charge for diet, attendance, advice, and medicines), and shall make the same appear to the satisfaction of the speaker of the Assembly for the time being, that then it shall and may be lawful for the said speaker, and he is hereby required, to sign an order on the provincial treasurer for the payment of two thousand pounds, in two yearly payments, to the treasurer of the said hospital, to be applied to the founding, building, and finishing of the same.

It's not like you ate Filipino food all the time. You loved Emperor's Way takeout, and the friendly Chinese girl there who you were too shy to ask but whose name tag said to call her Ming always gave you extra sauce for your orange chicken. The sweet potato pie from Butter was absolutely to die for, and it made you feel soft and warm the same way Lola's leche flan did. The youngest Manzano once handed you a delicious pastry without prompting or demanding payment before drifting away, seemingly lost in a world of her own. If this was a marketing strategy for their pastelería, it worked. But you could tell that there were differences in the way they cooked and baked, that they took old and treasured recipes and put in their own unique, modern spin to them. Why couldn't you do the same?

capture and return of the swordbearer is the responsibility of the Alliance Army. Regardless of what orders you may have received, your interference is considered a treasonous action. Owing to the fact that your interference was entirely beneficial, you will not be charged," the soldier said. Her captor said something too quiet to hear, but the fiend's body language betrayed more than a bit of anger. "I have received no word of such an agreement, and even if I had, it would have been deemed illegal. You shall receive no payment. I suggest you accept this fact and be grateful we do not kill you where you stand," he said. Her mind raced. How could anyone want her or the sword? She had only just found it in the field a day or two ago. It had obviously been there for some time. And how could

But the coffeehouse was still the best place to keep up with everything new. In order to understand this, it must be said that the Viennese coffeehouse is a particular institution which is not comparable to any other in the world. As a matter of fact, it is a sort of democratic club to which admission costs the small price of a cup of coffee. Upon payment of this mite every guest can sit for hours on end, discuss, write, play cards, receive his mail, and, above all, can go through an unlimited number of newspapers and magazines. Perhaps nothing has contributed as much to the intellectual mobility and the international orientation of the Austrian as that he could keep abreast of all world events in the coffeehouse, and at the same time discuss them in the circle of his friends. For, thanks to the collectivity of our interests, we followed the orbis pictus of artistic events not with two, but with twenty and forty eyes. What one of us had overlooked was noticed by another, and since in our constant childish, boastful, and almost sporting ambition we wished to outdo each other in our knowledge of the very latest thing, we found ourselves actually in a sort of constant rivalry for the sensational.

Trust me, I’m just as shocked as you. But damn, from the moment I scented her…” “You felt a need to find and claim her.” Chaob nodded. “I know. Still, though, I don’t think your grandfather expected us to bring back an outsider.” Acat shrugged then grinned. “Grandfather said we’d encounter our brides. We did. We’ve left the payment, and now it’s time to take them back for the ritual, whether he likes the choice or not.” “Since

December 8, 1986 Hello John: Thanks for the good letter. I don’t think it hurts, sometimes, to remember where you came from. You know the places where I came from. Even the people who try to write about that or make films about it, they don’t get it right. They call it “9 to 5.” It’s never 9 to 5, there’s no free lunch break at those places, in fact, at many of them in order to keep your job you don’t take lunch. Then there’s OVERTIME and the books never seem to get the overtime right and if you complain about that, there’s another sucker to take your place. You know my old saying, “Slavery was never abolished, it was only extended to include all the colors.” And what hurts is the steadily diminishing humanity of those fighting to hold jobs they don’t want but fear the alternative worse. People simply empty out. They are bodies with fearful and obedient minds. The color leaves the eye. The voice becomes ugly. And the body. The hair. The fingernails. The shoes. Everything does. As a young man I could not believe that people could give their lives over to those conditions. As an old man, I still can’t believe it. What do they do it for? Sex? TV? An automobile on monthly payments? Or children? Children who are just going to do the same things that they did? Early on, when I was quite young and going from job to job I was foolish enough to sometimes speak to my fellow workers: “Hey, the boss can come in here at any moment and lay all of us off, just like that, don’t you realize that?” They would just look at me. I was posing something that they didn’t want to enter their minds. Now in industry, there are vast layoffs (steel mills dead, technical changes in other factors of the work place). They are layed off by the hundreds of thousands and their faces are stunned: “I put in 35 years…” “It ain’t right…” “I don’t know what to do…” They never pay the slaves enough so they can get free, just enough so they can stay alive and come back to work. I could see all this. Why couldn’t they? I figured the park bench was just as good or being a barfly was just as good. Why not get there first before they put me there? Why wait? I just wrote in disgust against it all, it was a relief to get the shit out of my system. And now that I’m here, a so-called professional writer, after giving the first 50 years away, I’ve found out that there are other disgusts beyond the system. I remember once, working as a packer in this lighting fixture company, one of the packers suddenly said: “I’ll never be free!” One of the bosses was walking by (his name was Morrie) and he let out this delicious cackle of a laugh, enjoying the fact that this fellow was trapped for life. So, the luck I finally had in getting out of those places, no matter how long it took, has given me a kind of joy, the jolly joy of the miracle. I now write from an old mind and an old body, long beyond the time when most men would ever think of continuing such a thing, but since I started so late I owe it to myself to continue, and when the words begin to falter and I must be helped up stairways and I can no longer tell a bluebird from a paperclip, I still feel that something in me is going to remember (no matter how far I’m gone) how I’ve come through the murder and the mess and the moil, to at least a generous way to die. To not to have entirely wasted one’s life seems to be a worthy accomplishment, if only for myself. Your boy, Hank

You may well ask: when the bubble finally burst, why did we not let the bankers crash and burn? Why weren't they held accountable for their absurd debts? For two reasons. First because the payment system - the simple means of transferring money from one account to another and on which every transaction relies - is monopolised by the very same bankers who were making the bets. Imagine having gifted your arteries and veins to a gambler. The moment he loses big at the casino, he can blackmail you for anything you have simply by threatening to cut off your circulation. Second, because the financiers' gambles contained deep inside the title deeds to the houses of the majority. A full-scale financial market collapse could therefore lead to mass homelessness and a complete breakdown in the social contract. Don't be surprised that the high and mighty financiers of Wall Street would bother financialising the modest homes of poor people. Having borrowed as much as they could off banks and rich clients in order to place their crazy bets, they craved more since the more they bet, the more they made. So they created more debt from scratch to use as raw materials for more bets. How? By lending to impecunious blue collar worker who dreamed of the security of one day owning their own home. What if these little people could not actually afford their mortgage in the medium term? In contrast to bankers of old, the Jills and the Jacks who actually leant them the money did not care if the repayments were made because they never intended to collect. Instead, having granted the mortgage, they put it into their computerised grinder, chopped it up literally into tiny pieces of debt and repackaged them into one of their labyrinthine derivatives which they would then sell at a profit. By the time the poor homeowner had defaulted and their home was repossessed, the financier who granted the loan in the first place had long since moved on.

People are like that here. Strangers smile at you on the beach, come up and offer you a shell, for no reason, lightly, and then go by and leave you alone again. Nothing is demanded of you in payment, no social rite expected, no tie established. It was a gift, freely offered, freely taken, in mutual trust. People smile at you here, like children, sure that you will not rebuff them, that you will smile back. And you do, because you know it will involve nothing. The smile, the act, the relationship is hung in space, in the immediacy and purity of the present; suspended on the still point of here and now; balanced there, on a shaft of air, like a seagull. The pure relationship, how beautiful it is! How easily it is damaged, or weighed down with irrelevancies - not even irrelevancies, just life itself, the accumulations of life and of time. For the first part of every relationship is pure, whether it be with friend or lover, husband or child. It is pure, simple and unencumbered.

After you list the debts smallest to largest, pay the minimum payment to stay current on all the debts except the smallest. Every dollar you can find from anywhere in your budget goes toward the smallest debt until it is paid. Once the smallest is paid, the payment from that debt, plus any extra “found” money, is added to the next smallest debt. (Trust me, once you get going, you will find money.) Then, when debt number two is paid off, you take the money that you used to pay on number one and number two and you pay it, plus any found money, on number three. When three is paid, you attack four, and so on. Keep paying minimums on all the debts except the smallest until it is paid. Every time you pay one off, the amount you pay on the next one down increases. All the money from old debts and all the money you can find anywhere goes on the smallest until it is gone. Attack! Every time the Snowball rolls over, it picks up more snow and gets larger, and by the time you get to the bottom, you have an avalanche.

Maybe this is a bad time to bring this up, but you need to pay your credit card bill. It’s maxed out, and you’ve missed the past two due dates. And the thing is—and this is going to sound selfish, because it is—but your Netflix account got suspended, and I was only halfway through season three of Cheers. The laugh track is a bit off-putting, but it’s still a good show. I really love the plot twist that Norm’s nagging wife, Vera, turns out to have been dead for ten years, and Norm has kept her memory alive by continuing a fictional narrative about her. Sam and Diane knew that Vera wasn’t really alive and that Norm was delusional, but in episode seven, when they go to check in on Norm, they find him cuddled up next to her decayed corpse and reading her Lord Byron’s “The First Kiss of Love,” and he’s crying. The stench is unbearable, but less unbearable than the brutal truth of the moment. My point is, I didn’t get to finish watching Cheers because you’re behind on your credit card payments. I need you to deal with that.

Before she could say anything more, Sabella swung around at the sound of Noah’s Harley purring to life behind the garage. God. He was dressed in snug jeans and riding chaps. A snug dark T-shirt covered his upper body, conformed to it. And he was riding her way. “Is there anything sexier than a man in riding chaps riding a Harley?” Kira asked behind her. “It makes a woman simply want to melt.” And Sabella was melting. She watched as he pulled around the side of the garage then took the gravel road that led to the back of the house. The sound of the Harley purred closer, throbbing, building the excitement inside her. “I think it’s time for me to leave,” Kira said with a light laugh. “Don’t bother to see me out.” Sabella didn’t. She listened as the Harley drew into the graveled lot behind the house and moved to the back door. She opened it, stepping out on the back deck as he swung his legs over the cycle and strode toward her. That long-legged lean walk. It made her mouth water. Made her heart throb in her throat as hunger began to race through her. “The spa treated you well,” he announced as he paused at the bottom of the steps and stared back at her. “Feel like messing your hair up and going out this evening? We could have dinner in town. Ride around a little bit.” She hadn’t ridden on a motorcycle since she was a teenager. She glanced at the cycle, then back to Noah. “I’d need to change clothes.” His gaze flickered over her short jeans skirt, her T-shirt. “That would be a damned shame too,” he stated. “I have to say, Ms. Malone, you have some beautiful legs there.” No one had ever been as charming as Nathan. She remembered when they were dating, how he would just show up, out of the blue, driving that monster pickup of his and grinning like a rogue when he picked her up. He’d been the epitome of a bad boy, and he had been all hers. He was still all hers. “Bare legs and motorcycles don’t exactly go together,” she pointed out. He nodded soberly, though his eyes had a wicked glint to them. “This is a fact, beautiful. And pretty legs like that, we wouldn’t want to risk.” She leaned against the porch post and stared back at him. “I have a pickup, you know.” She propped one hand on her hip and stared back at him. “Really?” Was that avarice she saw glinting in his eyes, or for just the slightest second, pure, unadulterated joy at the mention of that damned pickup? He looked around. “I haven’t seen a pickup.” “It’s in the garage,” she told him carelessly. “A big black monster with bench seats. Four-by-four gas-guzzling alpha-male steel and chrome.” He grinned. He was so proud of that damned pickup. “Where did something so little come up with a truck that big?” he teased her then. She shrugged. “It belonged to my husband. Now, it belongs to me.” That last statement had his gaze sharpening. “You drive it?” “All the time,” she lied, tormenting him. “I don’t have to worry about pinging it now that my husband is gone. He didn’t like pings.” Did he swallow tighter? “It’s pinged then?” She snorted. “Not hardly. Do you want to drive the monster or question me about it? Or I could change into jeans and we could ride your cycle. Which is it?” Which was it? Noah stared back at her, barely able to contain his shock that she had kept the pickup. He knew for a fact there were times the payments on the house and garage had gone unpaid—his “death” benefits hadn’t been nearly enough—almost risking her loss of both during those first months of his “death.” Knowing she had held on to that damned truck filled him with more pleasure than he could express. Knowing she was going to let someone who wasn’t her husband drive it filled him with horror. The contradictor feelings clashed inside him, and he promised himself he was going to spank her for this.

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

Resurrection is presented by Paul as the general principle of all reality. He does not argue from a one-time anomaly and then ask us to believe in this Jesus “miracle,” which most Christians are eager to do. Instead, Paul names the cosmic pattern, and then says in many places that the “Spirit carried in our hearts” is the icon, the guarantee, the pledge, and the promise, or even the “down payment” of that universal message (see 2 Corinthians 1:21–22, Ephesians 1:14). Like I am feebly trying to do in this whole book, he is always grabbing for metaphors that will bring the universal message home.

Recent estimates have Chinese companies outstripping U.S. competitors ten to one in quantity of food deliveries and fifty to one in spending on mobile payments. China’s e-commerce purchases are roughly double the U.S. totals, and the gap is only growing. Data on total trips through ride-hailing apps is somewhat scarce, but during the height of competition between Uber and Didi, self-reported numbers from the two companies had Didi’s rides in China at four times the total of Uber’s global rides. When it comes to rides on shared bikes, China is outpacing the United States at an astounding ratio of three hundred to one.

The auctioneer turned to face her. He raised his knife again. Kestrel had just enough time to remember the sound of a hammer against anvil, to think of all the weapons Arin had forged, and to realize that if he had wanted to make more on the side it wouldn’t have been heard. The auctioneer advanced on her. Not hard at all. “No,” said Arin. “She’s mine.” The man paused. “What?” Arin strolled toward them, stepping in the housekeeper’s blood. He stood next to the auctioneer, his stance loose and careless. “She’s mine. My prize. Payment for services rendered. A spoil of war.” Arin shrugged. “Call her what you like. Call her my slave.” Shame poured into Kestrel, as poisonous as anything her friends must have drunk at the ball. Slowly, the auctioneer said, “I’m a little worried about you, Arin. I think you’ve lost clarity on the situation.” “Is there something wrong with treating her the way she treated me?” “No, but--” “The Valorian army will return. She’s the general’s daughter. She’s too valuable to waste.” The auctioneer sheathed his knife, but Kestrel couldn’t sheathe her dread. This sudden alternative to death didn’t seem like a better one. “Just remember what happened to your parents,” the auctioneer told Arin. “Remember what Valorian soldiers did to your sister.” Arin’s gaze cut to Kestrel. “I do.” “Really? Where were you during the assault on the estate? I expected to find my second-in-command here. Instead, you were at a party.

After you list the debts smallest to largest, pay the minimum payment to stay current on all the debts except the smallest. Every dollar you can find from anywhere in your budget goes toward the smallest debt until it is paid. Once the smallest is paid, the payment from that debt, plus any extra “found” money, is added to the next smallest debt. (Trust me, once you get going, you will find money.) Then, when debt number two is paid off, you take the money that you used to pay on number one and number two and you pay it, plus any found money, on number three. When three is paid, you attack four, and so on. Keep paying minimums on all the debts except the smallest until it is paid. Every time you pay one off, the amount you pay on the next one down increases.

Although 'debtor's prison' is illegal in all states, many states use the threat of probation or parole revocation as a debt-collection tool. In fact, in some jurisdictions, individuals may 'choose' to go to jail as a way to reduce their debt burdens, a practice that has been challenged as unconstitutional. Adding to the insanity, many states suspend driving privileges for missed debt payments, a practice that often causes people to lose employment (if they had it) and creates yet another opportunity for jail time: driving with a suspended license. In this regime, many people are thrown back in prison simply because they have been unable - with no place to live, and no decent job - to pay back thousands of dollars of prison-related fees, fines, and child support.

To those fathers who teach their children on how to be strong. Not to give up. Those who make sure their children get proper education, accommodation and proper life. Those who teach their children right path and making them believe in themselve and that they can do anything. Those who bestore hope , making their children dreamers and go getters. Those who support their children in the things they do and supporting their talent .Those who value their children. Who spend not only money but also time with their children. The fathers who protect , love, respect, admire and care about their children without expecting any payment . To those father who their children are everything to them. To those man who are responsible and who are brave enough to say they love their children. Happy Fathers Day.

When Roosevelt was elected, rumors spread that Coughlin was in line for a high administrative post and would quit the church to enter government service. But this failed to materialize, and Coughlin became disenchanted with Roosevelt as well. His first public break with Roosevelt came in 1934, when he urged payment of a soldiers’ bonus and the president publicly threatened to veto it. By 1935 Coughlin’s break with Roosevelt was complete; by 1937 his attacks on the president had become so violent that they led, ultimately, to a rebuke from the pope. Roosevelt, whose own radio persona was highly developed, found Coughlin a formidable adversary. The priest had a staff of confidential investigators in Washington, headed by a former Hearst journalist, and his advisers in financial matters consisted of bankers and brokers in New York.

This was not because he was cowardly and abject, quite the contrary; but for some time past he had been in an overstrained irritable condition, verging on hypochondria. He had become so completely absorbed in himself, and isolated from his fellows that he dreaded meeting, not only his landlady, but anyone at all. He was crushed by poverty, but the anxieties of his position had of late ceased to weigh upon him. He had given up attending to matters of practical importance; he had lost all desire to do so. Nothing that any landlady could do had a real terror for him. But to be stopped on the stairs, to be forced to listen to her trivial, irrelevant gossip, to pestering demands for payment, threats and complaints, and to rack his brains for excuses, to prevaricate, to lie—no, rather than that, he would creep down the stairs like a cat and slip out unseen.

I want to make sure we understand in this reminder what duʿā’ is not? Duʿā’ is not placing an order at a restaurant. Duʿā’ is not placing an order for a product. When you place an order, you pay something and you get what you expected. You place an order for French fries; you’re not supposed to get a burger. You’re supposed to get French fries. When you place an order for a laptop, you’re not supposed to get a phone in the mail. You get what you ordered, and when you order something you obviously pay for it. You paid for it, so you’re expecting what you paid for. When you and I make duʿā’, we pay nothing. We pay nothing. When you pay nothing, then you have no expectations, you have no right to complain about what you get. You don’t get to say, ‘Hey! Wait, I asked for a hundred on my exam. I made duʿā’ last night. I still got a forty. What is this Allah? I placed the right order!’ You and I don’t get to do that. Allah is not here to serve you and me as customers. We’re used to customer service in this world. We are used to it so much that we think the way we are going to deal with Allah, is the same. Some of the young people today; unfortunately, their relationship with their parents has become like their parents are supposed to provide them customer service. ‘Mum, I asked you to buy me Grand Theft Auto! How come you didn’t get it yet?’, ‘I told you I’m going to do my homework!’ Like your homework is payment or something, right? Because we feel so entitled all the time, we bring this entitled attitude when we turn to Allah and we make duʿā’ to Him. ‘Yā Allāh, heal me.’ ‘Yā Allāh, get me a promotion.’ ‘Yā Allāh, do this for me or do that for me.’ And it doesn’t happen; and you’re like: ‘Forget this, I don’t need prayer. I even took the time out to pray and He didn’t give!

That City of yours is a morbid excrescence. Wall Street is a morbid excrescence. Plainly it's a thing that has grown out upon the social body rather like -- what do you call it? -- an embolism, thrombosis, something of that sort. A sort of heart in the wrong place, isn't it? Anyhow -- there it is. Everything seems obliged to go through it now; it can hold up things, stimulate things, give the world fever or pain, and yet all the same -- is it necessary, Irwell? Is it inevitable? Couldn't we function economically quite as well without it? Has the world got to carry that kind of thing for ever? "What real strength is there in a secondary system of that sort? It's secondary, it's parasitic. It's only a sort of hypertrophied, uncontrolled counting-house which has become dominant by falsifying the entries and intercepting payment. It's a growth that eats us up and rots everything like cancer. Financiers make nothing, they are not a productive department. They control nothing. They might do so, but they don't. They don't even control Westminster and Washington. They just watch things in order to make speculative anticipations. They've got minds that lie in wait like spiders, until the fly flies wrong. Then comes the debt entanglement. Which you can break, like the cobweb it is, if only you insist on playing the wasp. I ask you again what real strength has Finance if you tackle Finance? You can tax it, regulate its operations, print money over it without limit, cancel its claims. You can make moratoriums and jubilees. The little chaps will dodge and cheat and run about, but they won't fight. It is an artificial system upheld by the law and those who make the laws. It's an aristocracy of pickpocket area-sneaks. The Money Power isn't a Power. It's respectable as long as you respect it, and not a moment longer. If it struggles you can strangle it if you have the grip...You and I worked that out long ago, Chiffan... "When we're through with our revolution, there will be no money in the world but pay. Obviously. We'll pay the young to learn, the grown-ups to function, everybody for holidays, and the old to make remarks, and we'll have a deuce of a lot to pay them with. We'll own every real thing; we, the common men. We'll have the whole of the human output in the market. Earn what you will and buy what you like, we'll say, but don't try to use money to get power over your fellow-creatures. No squeeze. The better the economic machine, the less finance it will need. Profit and interest are nasty ideas, artificial ideas, perversions, all mixed up with betting and playing games for money. We'll clean all that up..." "It's been going on a long time," said Irwell. "All the more reason for a change," said Rud.

The use of rewards—what might be called positive coercion—does not work in the long run any better than threat and punishment, or negative coercion. In the reward, the child senses the parent’s desire to control no less than in the punishment. The issue is the child’s sense of being forced, not the manner in which the force is applied. This was well illustrated in a classic study using magic markers.2 A number of children were screened to select some who showed a natural interest and inclination for playing with magic markers. Those who did were then divided into three different groups. For one group, there was no reward involved and no indication what to do with the markers. Another group was given a small reward to use the markers, and the third was promised a substantial reward. When retested sometime later, the group that had been most rewarded showed the least interest in playing with the magic markers, while the children who had been left uninstructed showed by far the greatest motivation to use them. Simple behaviorist principles would suggest it ought to have been the other way around, another illustration that behavioral approaches have no more than short-term efficacy. At work here, of course, was residual counterwill in response to positive coercion. In a similar experiment, the psychologist Edward Deci observed the behaviors of two groups of college students vis-à-vis a puzzle game they had originally all been equally intrigued by. One group was to receive a monetary reward each time a puzzle was solved; the other was given no external incentive. Once the payments stopped, the paid group proved far more likely to abandon the game than their unpaid counterparts. “Rewards may increase the likelihood of behaviors,” Dr. Deci remarks, “but only so long as the rewards keep coming... Stop the pay, stop the play.” We

The mood and temper of the public in regard to the treatment of crime and criminals is one of the most unfailing tests of the civilization of any country. A calm and dispassionate recognition of the rights of the accused against the State, and even of convicted criminals against the State, a constant heart-searching by all charged with the duty of punishment, a desire and eagerness to rehabilitate in the world of industry all those who have paid their dues in the hard coinage of punishment, tireless efforts towards the discovery of curative and regenerating processes, and an unfaltering faith that there is a treasure, if you can only find it, in the heart of every man – these are the symbols which in the treatment of crime and criminals mark and measure the stored-up strength of a nation, and are the sign and proof of the living virtue in it.27 In 1908 and 1909 over 180,000 people were in prison in Britain, around half for failure to pay a fine on time.28 Churchill argued that more time should be allowed for payment, since the best principle for a prison system should be to ‘prevent as many people as possible from getting there’.29 He set in motion processes by which the number of people imprisoned for failing to pay a fine for drunkenness was reduced from 62,000 to 1,600 over the next decade.30 Churchill also searched for alternative punishments for petty offences, especially by children, as he saw prison as a place of last resort for serious offenders.31 When he visited Pentonville Prison in October, he released youths imprisoned for minor offences and although he was not at the Home Office long enough to reform the penal system as a whole, he reduced the sentences of nearly 400 individuals.32 He also introduced music and libraries into prisons, tried to improve the conditions of suffragettes imprisoned for disturbing the peace and reduced the maximum amount

So, these competitors . . . What do they hope to gain by interfering with your journey?” The instant the question left his mouth, he knew it was too direct. Nicole dropped her gaze and removed her hand from his arm. “With all due respect, Mr. Thornton . . .” Drat. They were back to Mr. Thornton again. “ . . . the details of the business I’m conducting for my father are not your concern.” “They are if they put you in danger. And what of the rest of my staff?” Darius snatched the napkin from his lap and threw it onto the table before lurching to his feet and pacing behind his chair. “I have a right to know if having you here is putting them at risk.” “No greater risk than they face from your exploding boilers!” Nicole shot from her seat, color running high in her cheeks. The audacity of the chit. “I take every precaution—” “As do I.” She glared at him. “The Wellborns are in no peril, especially if they keep my presence here a secret. It’s doubtful that Jenkins’s sons will find me, anyway. Heaven knows they aren’t the sharpest knives in the drawer.” “As master of this house, it’s my duty to know the business of those under my roof.” He didn’t know what nonsense he was spouting now. He didn’t care. Nicole had let a vital piece of information slip in her anger, and he wasn’t about to let the argument cool long enough for her to notice her lapse. “Well, perhaps it’s time I collect the pay I’ve earned and leave you and your roof to your own devices.” Not on her life. The woman would be unprotected. Vulnerable. Easy prey for that Jenkins scum. But he couldn’t let her know his refusal was out of concern for her. She’d simply assure him she’d be fine and walk out the door. Darius crossed his arms over his chest and looked down his nose at her. “You agreed to accept payment after a term of two weeks. I’ll not pay a cent before then. You owe me ten more days, Miss Greyson. Or do you plan to renege on our agreement?” Her hands fisted at her sides. “I never go back on my word.

The way you see the change in a person you've been away from for a long time, where somebody who sees him every day, day in, day out, wouldn't notice because the change is gradual. All up the coast I could see the signs of what the Combine had accomplished since I was last through this country, things like, for example a train stopping at a station and laying a string of full-grown men in mirrored suits and machined hats, laying them like a hatch of identical insects, half-life things coming pht-pht-pht out of the last car, then hooting its electric whistle and moving on down the spoiled land to deposit another hatch. Or things like five thousand houses punched out identical by a machine and strung across the hills outside of town, so fresh from the factory theyre still linked together like sausages, a sign saying NEST IN THE WEST HOMES NO DWN. PAYMENT FOR VETS, a playground down the hill from the houses, behind a checker-wire fence and another sign that read ST. LUKE'S SCHOOL FOR BOYS there were five thousand kids in green corduroy pants and white shirts under green pullover sweaters playing crack-the-whip across an acre of crushed gravel. The line popped and twisted and jerked like a snake, and every crack popped a little kid off the end, sent him rolling up against the fence like a tumbleweed. Every crack. And it was always the same little kid, over and over. All that five thousand kids lived in those five thousand houses, owned by those guys that got off the train. The houses looked so much alike that, time and time again, the kids went home by mistake to different houses and different families. Nobody ever noticed. They ate and went to bed. The only one they noticed was the little kid at the end of the whip. He'd always be so scuffed and bruised that he'd show up out of place wherever he went. He wasn't able to open up and laugh either. It's a hard thing to laugh if you can feel the pressure of those beams coming from every new car that passes, or every new house you pass.

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

Jobs and Wozniak had no personal assets, but Wayne (who worried about a global financial Armageddon) kept gold coins hidden in his mattress. Because they had structured Apple as a simple partnership rather than a corporation, the partners would be personally liable for the debts, and Wayne was afraid potential creditors would go after him. So he returned to the Santa Clara County office just eleven days later with a “statement of withdrawal” and an amendment to the partnership agreement. “By virtue of a re-assessment of understandings by and between all parties,” it began, “Wayne shall hereinafter cease to function in the status of ‘Partner.’” It noted that in payment for his 10% of the company, he received $800, and shortly afterward $1,500 more. Had he stayed on and kept his 10% stake, at the end of 2012 it would have been worth approximately $54 billion. Instead he was then living alone in a small home in Pahrump, Nevada, where he played the penny slot machines and lived off his social security check. He later claimed he had no regrets. “I made the best decision for me at the time. Both of them were real whirlwinds, and I knew my stomach and it wasn’t ready for such a ride.

Templates for Protest Letters 1. TO TACKLE A SURPRISE OUT-OF-NETWORK BILL Dear Sir or Madam: The bills enclosed were for out-of-network services performed on __________ during my admission to __________ Medical Center, a hospital that is in my insurance network. I went to __________ Medical Center precisely because it was in my network. I was not informed of these providers’ out-of-network status and did not consent to being treated by any out-of-network providers. Since I did not give informed consent for treatment beyond the terms and network of my insurance policy, I suggest you contact my insurer to work out payment; I will pay only that portion of the bill that I would have paid for in-network services. Please stop this effort to collect a bill I do not owe for a service I was never informed would be out-of-network. If I get another notice, I will report this collection effort to the __________ State Department of Insurance and __________ State Department of Consumer Affairs. Sincerely, 2. TO OBTAIN MEDICAL RECORDS AND ITEMIZED BILLS Dear Sirs or Madam: I have now requested my medical records/itemized bill __________ times and have yet to receive the material. It is my right to receive these

that was the case until 1871, when an Irish-American captain by the name of David O'Keefe was shipwrecked on the shores of Yap and revived by the locals.1 O'Keefe saw a profit opportunity in taking coconuts from the island and selling them to producers of coconut oil, but he had no means to entice the locals to work for him, because they were very content with their lives as they were, in their tropical paradise, and had no use for whatever foreign forms of money he could offer them. But O'Keefe wouldn't take no for an answer; he sailed to Hong Kong, procured a large boat and explosives, took them to Palau, where he used the explosives and modern tools to quarry several large Rai stones, and set sail to Yap to present the stones to the locals as payment for coconuts. Contrary to what O'Keefe expected, the villagers were not keen on receiving his stones, and the village chief banned his townsfolk from working for the stones, decreeing that O'Keefe's stones were not of value, because they were gathered too easily. Only the stones quarried traditionally, with the sweat and blood of the Yapese, were to be accepted in Yap. Others on the island disagreed, and they did supply O'Keefe with the coconuts he sought. This resulted in conflict on the island, and in time the demise of Rai stones as money. Today, the stones serve a more ceremonial and cultural role on the island and modern government money is the most commonly used monetary medium.

Today there is much talk about democratic ideals in the outside world. But not in Germany! For here in Germany we had more than enough time-fifteen years-to acquaint ourselves with these democratic ideals. And we ourselves had to pick up the legacy left behind by this democracy. Now we are being credited with many a truly astounding war aim, especially by the English. After all, England is quite experienced in issuing proclamations of objectives in warfare as it has waged the greatest number of wars the world over. Truly astounding are the war aims announced to us today. A new Europe will arise. This Europe will be characterized by justice. This justice will render armament obsolete. This will lead to disarmament at last. This disarmament in turn will bring about an economic blossoming. Change and trade will spring up-much trade-free trade. And with the sponsorship of this trade, culture shall once more blossom, and not only culture will benefit, but religion will also prosper. In other words: we are heading towards a golden age! Well, we have heard of this golden age before. Many times precisely the same people attempted to illustrate its virtues to us who are now flooding us with descriptions of its benefits. The records are old ones, played once too often. We can only pity these gentlemen who cannot even come up with a new idea to trap a great people. For all this they had already promised us in 1918. Then, too, England’s objectives in the war were the creation of this “new Europe,” the establishment of a “new justice,” of which the “right to selfdetermination of the peoples” was to form an integral part. Back then already they promised us justice to render obsolete-for all time-the bearing of any sort of weaponry. Back then already they submitted to us a program for disarmament-one for global disarmament. To make this disarmament more evident, it was to be crowned by the establishment of an association of nations bearing no arms. These were to settle their differences in the future-for even back then there was no doubt that differences would still arise-by talking them to death in discussion and debate, just as is the custom in democratic states. There would be no more shooting under any circumstances! In 1918, they declared a blessed and pious age to come! What came to pass in its stead we all lived to see: the old states were destroyed without even as much as asking their citizenry. Historic, ancient structures were severed, not only state bodies but grown economic structures as well, without anything better to take their place. In total disregard of the principle of the right to self-determination of the peoples, the European peoples were hacked to pieces, torn apart. Great states were dissolved. Nations were robbed of their rights, first rendered utterly defenseless and then subjected to a division which left only victors and vanquished in this world. And then there was no more talk of disarmament. To the contrary, armament went on. Nor did any efforts materialize to settle conflicts peacefully. The armed states waged wars just as before. Yet those who had been disarmed were no longer in a position to ward off the aggressions of those well armed. Naturally, this did not herald economic prosperity but, to the contrary, produced a network of lunatic reparations payments which led to increasing destitution for not only the vanquished, but also the so-called victors themselves. The consequences of this economic destitution were felt most acutely by the German Volk. International finance remained brutal and squeezed our Volk ruthlessly. Adolf Hitler – speech in the Sportpalast Berlin, January 30, 1940

To be honest? I'd thought myself above them. What a nasty little counter-culture snob I was. There they were, doing their fucking best, trying to have a life, trying to bring up their children decently, struggling to make the payments on the little house, wondering where their youth had gone, where love had gone, what was to become of them and all I could do was be a snotty, judgmental cow. But it was no good. I couldn't be like them. I'd seen too much, done too much that was outside anything they knew. I wasn't better than them, but I was different. We had no point of contact other than work. Even then, they disapproved of my attitude, my ways of dealing with the clients. Many's the time I'd ground my teeth as Andrea or Fran had taken the piss out of some hapless, useless, illiterate get they were assigned to; being funny at the expense of their stupidity, their complete inability to deal with straight society. Sure, I knew it was partly a defence mechanism; they did it because it was laugh or scream, and we were always told it wasn't good to let the clients get too close. But all too often - not always, but enough times to make me seethe with irritation - there was an ingrained, self-serving elitism in there too. Who'd see it better than me? They sealed themselves up in their white-collar world like chrysalides and waited for some kind of reward for being good girls and boys, for playing the game, being a bit of a cut above the messy rest - a reward that didn't exist, would never come and that they would only realise was a lie when it was far too late. Now I would be one of the Others, the clients, the ones who stood outside in the cold and, shivering, looked in at the lighted windows of reason and middle-class respectability. I would be another colossal fuck-up, another dinner party story. But my sin was all the greater because I'd wilfully defected from the right side to the hopelessly, eternally wrong side. I was not only a screw-up, I was a traitor.

The CEO answered by saying the bill was too high, that he’d pay half of it and that they would talk about the rest. After that, he stopped answering her calls. The underlying dynamic was that this guy didn’t like being questioned by anyone, especially a woman. So she and I developed a strategy that showed him she understood where she went wrong and acknowledged his power, while at the same time directing his energy toward solving her problem. The script we came up with hit all the best practices of negotiation we’ve talked about so far. Here it is by steps: A “No”-oriented email question to reinitiate contact: “Have you given up on settling this amicably?” A statement that leaves only the answer of “That’s right” to form a dynamic of agreement: “It seems that you feel my bill is not justified.” Calibrated questions about the problem to get him to reveal his thinking: “How does this bill violate our agreement?” More “No”-oriented questions to remove unspoken barriers: “Are you saying I misled you?” “Are you saying I didn’t do as you asked?” “Are you saying I reneged on our agreement?” or “Are you saying I failed you?” Labeling and mirroring the essence of his answers if they are not acceptable so he has to consider them again: “It seems like you feel my work was subpar.” Or “… my work was subpar?” A calibrated question in reply to any offer other than full payment, in order to get him to offer a solution: “How am I supposed to accept that?” If none of this gets an offer of full payment, a label that flatters his sense of control and power: “It seems like you are the type of person who prides himself on the way he does business—rightfully so—and has a knack for not only expanding the pie but making the ship run more efficiently.” A long pause and then one more “No”-oriented question: “Do you want to be known as someone who doesn’t fulfill agreements?” From my long experience in negotiation, scripts like this have a 90 percent success rate. That is, if the negotiator stays calm

In other words, you'll pretend to be someone else in order to snag a husband." "Oh, for heaven's sake," she said defensively, "it's no different than what half the women in society do to catch a man. I don't want to waste my time in pointless flirtation when a little knowledge will improve my aim on the targets." He flashed her a condescending smile. "What is it?" she snapped. "Only you would approach courtship as a marksman approaches a shooting match." He licked the tip of his pencil. "So who are these hapless targets?" "The Earl of Devonmont, the Duke of Lyons, and Fernandez Valdez, the Viscount de Basto." His jaw dropped. "Are you insane?" "I know they're rather beyond my reach, but they seem to like my company-" "I daresay they do!" He strode up to her, strangely angry. "The earl is a rakehell with a notorious reputation for trying to get beneath the skirts of every woman he meets. The duke's father was mad, and it's said to run in his family, which is why most women steer clear of him. And Basto is a Portuguese idiot who's too old for you and clearly trawling for some sweet young thing to nurse him in his declining years." "How can you say such things? The only one you know personally is Lord Devonmont, and you barely know even him." "I don't have to. Their reputations tell me they're utterly unacceptable." Unacceptable? Three of the most eligible bachelors in London? Mr. Pinter was mad, not her. "Lord Devonmont is Gabe's wife's cousin. The duke of Gabe's best friend, whom I've known since childhood, and the viscount...well..." "Is an oily sort, from what I hear," he snapped. "No, he isn't. He's very pleasant to talk to." Really, this was the most ridiculous conversation. "Who the devil do you think I should marry, anyway?" That seemed to take him aback. He glanced away. "I don't know," he muttered. "But no...That is, you shouldn't..." He tugged at his cravat. "They're wrong for you, that's all." She'd flustered Mr. Pinter. How astonishing! He was never flustered. It made him look vulnerable and much less...stiff. She rather liked that. But she'd like it even better if she understood what had provoked it. "Why do you care whom I choose, as long as you're paid? I'm wiling to pay extra to ensure that you find out everything I want to know." Once more he turned into Proud Pinter. "It isn't a matter of payment, madam. I choose my own assignments, and this one isn't to my taste. Good day," Turning on his heel, he headed for the door. Oh, dear, she hadn't meant to run him off entirely.