Unnecessary Expense Quotes

1. TEMPERANCE. Eat not to dullness; drink not to elevation. 2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. ORDER. Let all your things have their places; let each part of your business have its time. 4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. 5. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. INDUSTRY. Lose no time; be always employ'd in something useful; cut off all unnecessary actions. 7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you...

When I am high I couldn’t worry about money if I tried. So I don’t. The money will come from somewhere; I am entitled; God will provide. Credit cards are disastrous, personal checks worse. Unfortunately, for manics anyway, mania is a natural extension of the economy. What with credit cards and bank accounts there is little beyond reach. So I bought twelve snakebite kits, with a sense of urgency and importance. I bought precious stones, elegant and unnecessary furniture, three watches within an hour of one another (in the Rolex rather than Timex class: champagne tastes bubble to the surface, are the surface, in mania), and totally inappropriate sirenlike clothes. During one spree in London I spent several hundred pounds on books having titles or covers that somehow caught my fancy: books on the natural history of the mole, twenty sundry Penguin books because I thought it could be nice if the penguins could form a colony. Once I think I shoplifted a blouse because I could not wait a minute longer for the woman-with-molasses feet in front of me in line. Or maybe I just thought about shoplifting, I don’t remember, I was totally confused. I imagine I must have spent far more than thirty thousand dollars during my two major manic episodes, and God only knows how much more during my frequent milder manias. But then back on lithium and rotating on the planet at the same pace as everyone else, you find your credit is decimated, your mortification complete: mania is not a luxury one can easily afford. It is devastating to have the illness and aggravating to have to pay for medications, blood tests, and psychotherapy. They, at least, are partially deductible. But money spent while manic doesn’t fit into the Internal Revenue Service concept of medical expense or business loss. So after mania, when most depressed, you’re given excellent reason to be even more so.

The names of virtues, with their precepts, were: 1. Temperance. Eat not do dullness; drink not to elevation. 2. Silence. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. Order. Let all your things have their places; let each part of your business have its time. 4. Resolution: Resolve to perform what you ought; perform without fail what you resolve. 5. Frugality. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. Industry. Lose no time; be always employ’d in something useful; cut off all unnecessary actions. 7. Sincerity. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 8. Justice. Wrong none by doing injuries, or omitting the benefits that are your duty. 9. Moderation. Avoid extreams; forbear resenting injuries so much as you think they deserve. 10. Cleanliness. Tolerate no uncleanliness in body, cloths, or habitation. 11. Tranquillity. Be not disturbed at trifles, or at accidents common or unavoidable. 12. Chastity. Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another’s peace or reputation. 13. Humility. Imitate Jesus and Socrates.

What good are gilded rooms or precious stones-fitted on the floor, inlaid in the walls, carried from great distances at the greatest expense? These things are pointless and unnecessary-without them isn't it possible to live healthy? Aren't they the source of constant trouble? Don't they cost vast sums of money that, through public and private charity, may have benefited many?

Compra solamente lo necesario, no lo conveniete. Lo innecesario, aunque cueste un solo centimo, es caro. Buy only what is necessary, not what is convenient. What is unnecessary, even if it only costs one cent, is expensive.

I also said no to a first-aid kit, sewing kit, anti-snake-bite kit, $12 emergency whistle, and small orange plastic shovel for burying one’s poop, on the grounds that these were unnecessary, too expensive, or invited ridicule.

Temperance: Eat not to dullness; drink not to elevation. Silence: Speak not but what may benefit others or yourself; avoid trifling conversation. Order: Let all your things have their places; let each part of your business have its time. Resolution: Resolve to perform what you ought; perform without fail what you resolve. Frugality: Make no expense but to do good to others or yourself; (i.e., waste nothing). Industry: Lose no time; be always employed in something useful; cut off all unnecessary actions. Sincerity: Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. Justice: Wrong none by doing injuries, or omitting the benefits that are your duty. Moderation: Avoid extremes; forbear resenting injuries so much as you think they deserve. Cleanliness: Tolerate no uncleanliness in body, clothes, or habitation. Tranquility: Be not disturbed at trifles, or at accidents common or unavoidable. Chastity: Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another’s peace or reputation.

What is this metaphor called a crown, or rather what is monarchy? . . . It appears to be something going much out of fashion, falling into ridicule, and rejected in some countries, both as unnecessary and expensive. In America it is considered as an absurdity; and in France it has so far declined, that the goodness of the man, and the respect for his personal character, are the only things that preserve the appearance of its existence.

Resolve to perform what you ought; perform without fail what you resolve. Make no expense but to do good to others or yourself; i. e., waste nothing. Lose no time; be always employ’d in something useful; cut off all unnecessary actions.

1. TEMPERANCE. Eat not to dullness; drink not to elevation. 2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. ORDER. Let all your things have their places; let each part of your business have its time. 4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. 5. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. INDUSTRY. Lose no time; be always employ'd in something useful; cut off all unnecessary actions. 7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 8. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty. 9. MODERATION. Avoid extreams; forbear resenting injuries so much as you think they deserve. 10. CLEANLINESS. Tolerate no uncleanliness in body, cloaths, or habitation. 11. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable. 12. CHASTITY. Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another's peace or reputation. 13. HUMILITY. Imitate Jesus and Socrates.

TEMPERANCE. Eat not to dullness; drink not to elevation. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. ORDER. Let all your things have their places; let each part of your business have its time. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. INDUSTRY. Lose no time; be always employed in something useful; cut off all unnecessary actions. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty. MODERATION. Avoid extremes; forbear resenting injuries so much as you think they deserve. CLEANLINESS. Tolerate no uncleanliness in body, cloaths, or habitation. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable. CHASTITY. Rarely use venery but for health or offspring, never to dullness, weakness, or the injury

With your permission, I will instruct the jeweler I work with to build the frames you've drawn." "Make them in silver," Leo said. He paused, regarding Catherine with a faint smile. "And have him put a touch of filigree on the earpieces. Nothing vulgar... keep it delicate." Catherine shook her head immediately. "Such adornment is expensive and unnecessary." "Do it nevertheless," Leo said to the doctor, his gaze still holding Catherine's. "Your face deserves adornment. I would hardly put a masterpiece in an ordinary frame, would I?

These names of virtues, with their precepts, were: 1. TEMPERANCE. Eat not to dullness; drink not to elevation. 2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. ORDER. Let all your things have their places; let each part of your business have its time. 4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. 5. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. INDUSTRY. Lose no time; be always employ'd in something useful; cut off all unnecessary actions. 7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 8. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty. 9. MODERATION. Avoid extreams; forbear resenting injuries so much as you think they deserve. 10. CLEANLINESS. Tolerate no uncleanliness in body, cloaths, or habitation. 11. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable. 12. CHASTITY. Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another's peace or reputation. 13. HUMILITY. Imitate Jesus and Socrates.

The idea of spending money, of buying myself something lovely but unnecessary, has always burdened me. Is it because my father would scrupulously count out his coins, and rub his fingers over every bill before giving me one in case there was another stuck to it? Who hated eating out, who wouldn't order even a cup of tea in a coffee bar because a box of tea bags in the supermarket cost the same? Was it my parents' strict tutelage that prompts me to always choose the least-expensive dress, greeting card, dish on the menu? To look at the tag before the item on the rack, the way people look at the descriptions of paintings in a museum before lifting their eyes to the work?

The RBMK’s stunning dual lack of the most crucial containment barriers is a glaring omission that should never have been considered, let alone designed, approved and built. Select Soviet Ministers were made aware of these inadequacies before the reactors were chosen, but still the RBMK design was selected over the competing ‘Vodo-Vodyanoi Energetichesky Reaktor’ (VVER, or ‘Water-Water Power Reactor’), a pressurised water reactor which was safer, but more expensive and marginally less powerful. Conventional wisdom at the time was that the RBMK could never cause a large-scale accident, because industry safety regulations would always be adhered to. Extra safety measures, they decided, were unnecessary.

We that are bred up in learning, and destinated by our parents to this end, we suffer our childhood in the grammar-school, which Austin calls magnam tyrannidem, et grave malum, and compares it to the torments of martyrdom; when we come to the university, if we live of the college allowance, as Phalaris objected to the Leontines, [Greek: pan ton endeis plaen limou kai phobou] , needy of all things but hunger and fear, or if we be maintained but partly by our parents' cost, do expend in unnecessary maintenance, books and degrees, before we come to any perfection, five hundred pounds, or a thousand marks. If by this price of the expense of time, our bodies and spirits, our substance and patrimonies, we cannot purchase those small rewards, which are ours by law, and the right of inheritance, a poor parsonage, or a vicarage of 50 l. per annum, but we must pay to the patron for the lease of a life (a spent and out-worn life) either in annual pension, or above the rate of a copyhold, and that with the hazard and loss of our souls, by simony and perjury, and the forfeiture of all our spiritual preferments, in esse and posse, both present and to come. What father after a while will be so improvident to bring up his son to his great charge, to this necessary beggary? What Christian will be so irreligious, to bring up his son in that course of life, which by all probability and necessity, coget ad turpia, enforcing to sin, will entangle him in simony and perjury, when as the poet said, Invitatus ad hæc aliquis de ponte negabit: a beggar's brat taken from the bridge where he sits a begging, if he knew the inconvenience, had cause to refuse it." This being thus, have not we fished fair all this while, that are initiate divines, to find no better fruits of our labours, [2030] hoc est cur palles, cur quis non prandeat hoc est? do we macerate ourselves for this? Is it for this we rise so early all the year long? [2031] "Leaping" (as he saith) "out of our beds, when we hear the bell ring, as if we had heard a thunderclap." If this be all the respect, reward and honour we shall have, [2032] frange leves calamos, et scinde Thalia libellos: let us give over our books, and betake ourselves to some other course of life; to what end should we study?

I am a man in death. I am not God. I am not man. I am a beast and a predator. I want to make love to prostitutes. I want to live like an unnecessary man. I know that God wants this, and therefore I will live that way. I will live that way until He stops me. I will gamble on the Stock Exchange because I want to do so at other people's expense. I am an evil man. I do not love anyone. I wish harm to everyone and good to myself. I am an egoist. I am not God. I am a beast, a predator. I will practice masturbation and spiritualism. I will eat everyone I can get hold of. I will stop at nothing. I will make love to my wife's mother and my child. I will weep, but I will do everything God commands me to. I know that everyone will be afraid of me and will commit me to a lunatic asylum. But I don't care. I am not afraid of anything. I want death. I will blow my brains out if God wants it.

A respectable old man gives the following sensible account of the method he pursued when educating his daughter. "I endeavoured to give both to her mind and body a degree of vigour, which is seldom found in the female sex. As soon as she was sufficiently advanced in strength to be capable of the lighter labours of husbandry and gardening, I employed her as my constant companion. Selene, for that was her name, soon acquired a dexterity in all these rustic employments which I considered with equal pleasure and admiration. If women are in general feeble both in body and mind, it arises less from nature than from education. We encourage a vicious indolence and inactivity, which we falsely call delicacy; instead of hardening their minds by the severer principles of reason and philosophy, we breed them to useless arts, which terminate in vanity and sensuality. In most of the countries which I had visited, they are taught nothing of an higher nature than a few modulations of the voice, or useless postures of the body; their time is consumed in sloth or trifles, and trifles become the only pursuits capable of interesting them. We seem to forget, that it is upon the qualities of the female sex, that our own domestic comforts and the education of our children must depend. And what are the comforts or the education which a race of beings corrupted from their infancy, and unacquainted with all the duties of life, are fitted to bestow? To touch a musical instrument with useless skill, to exhibit their natural or affected graces, to the eyes of indolent and debauched young men, who dissipate their husbands' patrimony in riotous and unnecessary expenses: these are the only arts cultivated by women in most of the polished nations I had seen. And the consequences are uniformly such as may be expected to proceed from such polluted sources, private misery, and public servitude.

My Lord, In your concern for the downtrodden masses, it appears to have escaped your mind to inform me that you had arranged for a battalion of workmen to invade Eversby Priory. Even as I write, plumbers and carpenters wander freely throughout the house, tearing apart walls and floors and claiming that it is all by your leave. The expense of plumbing is extravagant and unnecessary. The noise and lack of decorum is unwelcome, especially in a house of mourning. I insist that this work discontinue at once. Lady Trenear Madam, Every man has his limits. Mine happen to be drawn at outdoor privies. The plumbing will continue. Trenear My lord, With so many improvements that are desperately needed on your lands, including repairs to laborers’ cottages, farm buildings, drainage systems, and enclosures, one must ask if your personal bodily comfort really outweighs all other considerations. Lady Trenear Madam, In reply to your question, Yes. Trenear

TEMPERANCE. Eat not to dullness; drink not to elevation. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation. ORDER. Let all your things have their places; let each part of your business have its time. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve. FRUGALITY. Make no expense but to do good to others or yourself; i.e., waste nothing. INDUSTRY. Lose no time; be always employed in something useful; cut off all unnecessary actions. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty. MODERATION. Avoid extremes; forbear resenting injuries so much as you think they deserve. CLEANLINESS. Tolerate no uncleanliness in body, cloaths, or habitation. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable. CHASTITY. Rarely use venery but for health or offspring, never to dullness, weakness, or the injury of your own or another’s peace or reputation. HUMILITY. Imitate Jesus and Socrates.

is dynamic. “Experts” frequently differ on scientific questions and their opinions can vary in accordance with and demands of politics, power, and financial self-interest. Nearly every lawsuit I have ever litigated pitted highly credentialed experts from opposite sides against each other, with all of them swearing under oath to diametrically antithetical positions based on the same set of facts. Telling people to “trust the experts” is either naive or manipulative—or both. All of Dr. Fauci’s intrusive mandates and his deceptive use of data tended to stoke fear and amplify public desperation for the anticipated arrival of vaccines that would transfer billions of dollars from taxpayers to pharmaceutical executives and shareholders. Some of America’s most accomplished scientists, and the physicians leading the battle against COVID in the trenches, came to believe that Anthony Fauci’s do-or-die obsession with novel mRNA vaccines—and Gilead’s expensive patented antiviral, remdesivir—prompted him to ignore or even suppress effective early treatments, causing hundreds of thousands of unnecessary deaths while also prolonging the pandemic

1. Temperance. Eat not to dullness; drink not to elevation. 2. Silence. Speak not but what may benefit others or yourself; avoid trifling conversation. 3. Order. Let all your things have their places; let each part of your business have its time. 4. Resolution. Resolve to perform what you ought; perform without fail what you resolve. 5. Frugality. Make no expense but to do good to others or yourself; i.e., waste nothing. 6. Industry. Lose no time; be always employ’d in something useful; cut off all unnecessary actions. 7. Sincerity. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 8. Justice. Wrong none by doing injuries, or omitting the benefits that are your duty. 9. Moderation. Avoid extreams; forbear resenting injuries so much as you think they deserve. 10. Cleanliness. Tolerate no uncleanliness in body, cloaths, or habitation. 11. Tranquillity. Be not disturbed at trifles, or at accidents common or unavoidable. 12. Chastity. Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another’s peace or reputation. 13. Humility. Imitate Jesus and Socrates.

These names of virtues, with their precepts, were: 1.​TEMPERANCE.—Eat not to dullness; drink not to elevation. 2.​SILENCE.—Speak not but what may benefit others or yourself; avoid trifling conversation. 3.​ORDER.—Let all your things have their places; let each part of your business have its time. 4.​RESOLUTION.—Resolve to perform what you ought; perform without fail what you resolve. 5.​FRUGALITY.—Make no expense but to do good to others or yourself; i.e., waste nothing. 6.​INDUSTRY.—Lose no time; be always employ’d in something useful; cut off all unnecessary actions. 7.​SINCERITY.—Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. 8.​JUSTICE.—Wrong none by doing injuries, or omitting the benefits that are your duty. 9.​MODERATION.—Avoid extremes; forbear resenting injuries so much as you think they deserve. 10.​CLEANLINES.—Tolerate no uncleanliness in body, cloths, or habitation. 11.​TRANQUILLITY.—Be not disturbed at trifles, or at accidents common or unavoidable. 12.​CHASTITY.—Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another’s peace or reputation. 13.​HUMILITY.—Imitate Jesus and Socrates.

Knowledgeable observers report that dating has nearly disappeared from college campuses and among young adults generally. It has been replaced by something called “hanging out.” You young people apparently know what this is, but I will describe it for the benefit of those of us who are middle-aged or older and otherwise uninformed. Hanging out consists of numbers of young men and young women joining together in some group activity. It is very different from dating. For the benefit of some of you who are not middle-aged or older, I also may need to describe what dating is. Unlike hanging out, dating is not a team sport. Dating is pairing off to experience the kind of one-on-one association and temporary commitment that can lead to marriage in some rare and treasured cases. . . . All of this made dating more difficult. And the more elaborate and expensive the date, the fewer the dates. As dates become fewer and more elaborate, this seems to create an expectation that a date implies seriousness or continuing commitment. That expectation discourages dating even more. . . . Simple and more frequent dates allow both men and women to “shop around” in a way that allows extensive evaluation of the prospects. The old-fashioned date was a wonderful way to get acquainted with a member of the opposite sex. It encouraged conversation. It allowed you to see how you treat others and how you are treated in a one-on-one situation. It gave opportunities to learn how to initiate and sustain a mature relationship. None of that happens in hanging out. My single brothers and sisters, follow the simple dating pattern and you don’t need to do your looking through Internet chat rooms or dating services—two alternatives that can be very dangerous or at least unnecessary or ineffective. . . . Men, if you have returned from your mission and you are still following the boy-girl patterns you were counseled to follow when you were 15, it is time for you to grow up. Gather your courage and look for someone to pair off with. Start with a variety of dates with a variety of young women, and when that phase yields a good prospect, proceed to courtship. It’s marriage time. That is what the Lord intends for His young adult sons and daughters. Men have the initiative, and you men should get on with it. If you don’t know what a date is, perhaps this definition will help. I heard it from my 18-year-old granddaughter. A “date” must pass the test of three p’s: (1) planned ahead, (2) paid for, and (3) paired off. Young women, resist too much hanging out, and encourage dates that are simple, inexpensive, and frequent. Don’t make it easy for young men to hang out in a setting where you women provide the food. Don’t subsidize freeloaders. An occasional group activity is OK, but when you see men who make hanging out their primary interaction with the opposite sex, I think you should lock the pantry and bolt the front door. If you do this, you should also hang up a sign, “Will open for individual dates,” or something like that. And, young women, please make it easier for these shy males to ask for a simple, inexpensive date. Part of making it easier is to avoid implying that a date is something very serious. If we are to persuade young men to ask for dates more frequently, we must establish a mutual expectation that to go on a date is not to imply a continuing commitment. Finally, young women, if you turn down a date, be kind. Otherwise you may crush a nervous and shy questioner and destroy him as a potential dater, and that could hurt some other sister. My single young friends, we counsel you to channel your associations with the opposite sex into dating patterns that have the potential to mature into marriage, not hanging-out patterns that only have the prospect to mature into team sports like touch football. Marriage is not a group activity—at least, not until the children come along in goodly numbers.

I try to do my bit by husbanding scarce resources in imaginative ways. For example, I prefer not to use the windscreen wipers at fast speed, even during storm conditions, favouring the slowest operational mode in order to avoid wear and tear on the windscreen wipers and the unnecessary expense of having to purchase replacements. This is difficult as sometimes the Volvo has a mind of its own and likes to override what it sees as the less competent driver in a chilling reminder of what the future will be when we have ceded control to artificial intelligence.

Most businesses hustle to create revenue, pay out their various expenses, and with any luck, there’s a little profit left over for the owners.  Here’s what you’re probably learning in business school: Revenue minus expenses equals profits.  Sounds sensible, right?”  He paused for the group of nodding heads.  “Well, it’s not!  It is completely backwards.  It should be taught:  Revenue minus PROFITS equal expenses.” Our chaperoning professors did their best to hide their cloudy faces, but it was clear Mr. X didn’t mind offending them.  “Don’t wait to see if there’s anything left over for a profit.  By carving out a margin before you address expenses, you create a constraint on the resources available.  This constraint unlocks your creativity to meet customers’ needs, streamline operations, and only spend money on that which truly generates value.  There’s no room left for fluff and bloat.  Difficult decisions on how you should run your business become obvious. No longer fat, dumb and happy, maybe you make that extra sales call or hold off on that unnecessary expense.  Business is very competitive, and the difference between the Hall of Fame and the graveyard can be remarkably thin.  Everyone says they want to run a tight ship, but the best way to harness your entrepreneurial verve is to tie your own hands to the yarak mast.  It will turn all of your business SHOULDS into business MUSTS.  I’ve spent a lot of time finding different places to apply the idea of yarak, and it never ceases to amaze me how helpful it is.  So that’s my eighty-twenty secret.  Shh… don’t tell anyone,” he whispered.

Risk and mistakes go together, but the general public has limited knowledge of the disturbing facts: •     Medical errors are estimated to cause 440,000 deaths per year in U.S. hospitals alone. It is widely believed that this figure could be grossly inaccurate, because countless mistakes go unreported—death reports offer only the immediate cause, and many doctors band together to protect the reputation of their profession. •     The total direct expense of “adverse events,” as medical mistakes are known, is estimated at hundreds of billions of dollars annually. •     Indirect expenses such as lost economic productivity from premature death and unnecessary illness exceed $1 trillion per year.

income, expenses, and finances: How much debt do I want to carry, and for what purpose? Would I like to pay off one or more of my credit accounts? By when? How much money do I want to make next month? Next year? Five years from now? What expenses do I want to cut down or cut out? — My home and community: What changes do I want to make in my current living environment? Do I want to fix up my home or yard? Do I want to move? What is my ideal home like? Where is it? What is my personal corner or room like? Does it have a garden, pool, or pond? Is it near the ocean, a lake, the desert, or mountains? Is it in the city or the country? What part of the world do I live in? What is my neighborhood like? What community projects am I involved in, if any? — My spiritual life: How much time do I want to devote to spiritual practices, such as meditation, classes, church, volunteer work, and so on? What books do I want to read? What classes do I want to take? What spiritual teachers, authors, or leaders do I want to meet, listen to, and/or work with? What spiritual power places do I want to visit, with whom, and when? What spiritual projects do I want to work on? What spiritual gift do I want to give to others? — My health and fitness: What changes do I want to make in my health and fitness? How much time per day or week do I want to spend exercising? What type of exercise program would I most enjoy and benefit from? Where would I exercise? With whom? What physical healings do I want? If I were to manifest my true natural state of perfect health right now, what would my body be like? About what weight or fat percentage would my body feel comfortable and healthy being? What types of foods would be in my regular diet? What would my ideal sleeping pattern be? How would I deal with stress or tension? What unnecessary stressors do I want to get rid of? What toxins (emotional or physical) can I eliminate from my diet or life? — My family life: What type of family life do I want? What about children? How much time do I want to spend with my kids? What do I want to teach or share with them? How can I be closer to my family and/or spend more quality time with them? What type of

CBS spent much of the 1960s and 1970s taking the enormous cash flow generated by its network and broadcast operations and funding an aggressive acquisition program that led it into entirely new fields, including the purchase of a toy business and the New York Yankees baseball team. CBS issued stock to fund some of these acquisitions, built a landmark office building in midtown Manhattan at enormous expense, developed a corporate structure with forty-two presidents and vice presidents, and generally displayed what Buffett’s partner, Charlie Munger, calls “a prosperity-blinded indifference to unnecessary costs.”1

Instead of leading to the promised leisure economy of abundance by freeing society from the legacies of feudalism and the hereditary privileges of aristocracies, bankers and monopolists, today’s financial elites promote Junk Economics to increase their time-honored “free lunch” at society’s expense. The debt overhead they create for the economy at large was well identified a century ago as avoidable. But today’s financial class has idealized running into debt as the way for economies to get rich by inflating asset prices. Wages, profits and rents are being turned into a flow of interest payments that are growing exponentially. Meanwhile, national statistics divert attention away from how debt service is siphoning household and business income up to the top of the economic pyramid. The suffering caused by the resulting financial austerity is unnecessary, not a result of any natural law. This reversal of the classical ideal of a “free market” – a market free from land rent, monopoly rent and predatory finance – has been promoted with a new vocabulary of Orwellian Doublespeak.

Good morning to Karen’s fertile and barren friends. I thought I’d send over the plan for the completely unnecessary, mawkish, and expensive non-tradition borrowed from America that is our friend Karen’s baby shower. Karen thinks it’s always good to demand money and time from people to celebrate her own personal life choices and we felt you haven’t given her quite enough in recent history, what, with the $1500 pound hen do in Ibiza, wedding in Majorca with a strict dress code, and gift registry at Selfridges. (NB: ladies-- if you get a new job or buy or flat on your own, you get a card and that’s it! We want to make sure there’s no prprecedent set. We’re not made of money!!) The good news is, after Karen gives birth she won’t see any of her childless friends unless all they want to do is talk about her baby and nothing else. So you can treat this as her farewell party as well as her baby shower. And save those pennies for a couple of years, that is of course until she comes back to you when she’s stopped breast feeding and is bored out of her mind, demands you all go out to drink, dance, and take loads of drugs, then sends you an offish text the following week saying she can’t really have a night out like that again because “I’M A MOTHER NOW.

Granted, employees are a very different type of customer, one that falls outside of the traditional definition. After all, instead of them paying you, you’re paying them. Yet regardless of the direction the money flows, one thing is clear: employees, just like other types of customers, want to derive value from their relationship with the organization. Not just monetary value, but experiential value, too: skill augmentation, career development, camaraderie, meaningful work, a sense of purpose, and so on. If a company or an individual leader fails to deliver the requisite value to an employee, then—just like a customer, they’ll defect. They’ll quit, driving up turnover, inflating recruiting/training expenses, undermining product/service quality, and creating a whole lot of unnecessary stress on the organization. So even though a company pays its employees, it should still provide them with a value-rich employment experience that cultivates loyalty. And that’s why it’s prudent to view both current and prospective employees as a type of customer. The argument goes beyond employee engagement, though. There’s a whole other reason why organizational leaders have a lot to gain by viewing their staff as a type of customer. That’s because, by doing so, they can personally model the customer-oriented behaviors that they seek to encourage among their workforce. How better to demonstrate what a great customer experience looks like than to deliver it to your own team? After all, how a leader serves their staff influences how the staff serves their customers. Want your team to be super-responsive to the people they serve? Show them what that looks like by being super-responsive to your team. Want them to communicate clearly with customers? Show them what that looks like by being crystal clear in your own written and verbal communications. There are innumerable ways for organizational leaders to model the customer experience behaviors they seek to promote among their staff. It has to start, however, by viewing those in your charge as a type of customer you’re trying to serve. Of course, viewing staff as customers doesn’t mean that leaders should cater to every employee whim or that they should consent to do whatever employees want. Leaders sometimes have to make tough decisions for the greater good. In those situations, effectively serving employees means showing respect for their concerns and interests, and thoughtfully explaining the rationale behind what might be an unpopular decision. The key point is simply this: with every interaction in the workplace, leaders have an opportunity to show their staff what a great customer experience looks like. Whether you’re a C-suite executive or a frontline supervisor, that opportunity must not be squandered.

We analyzed the ten tech companies worth over a billion dollars that went public in 2014 and 2015, and the average company spent a jaw-dropping $0.72 on sales and marketing for every $1.00 of sales during the three-year hypergrowth period before going public. As a matter of fact, one of the companies, Box, spent $1.59 for every $1.00 in sales! You’re probably wondering, how does a company like Box justify spending more money on sales and marketing than they generate in sales? The answer is “customer lifetime value.” Once Box mathematically proved that they could acquire a customer for less than the lifetime value (LTV) of that customer, they raised a war chest of investment capital and didn’t care if they spent more on sales and marketing than they generated in annual sales, because they knew that they would generate a big return in the long run. You probably don’t have access to a massive war chest of investment capital, but that doesn’t mean you are unable to invest more resources on growth. Instead of benchmarking your growth investment against customer lifetime value, benchmark against your bottom-line profits. Here is a list of financial scenarios and corresponding actions: If you desire growth and have a profitable business, operate at a break-even point and reinvest the profit, or a portion of the profit, back into growth. If you are running a break-even or unprofitable business, spend some time going through your expenditures looking for redundancies or unnecessary expenses. If you cannot find any opportunities to save money, prepare yourself to take a temporary pay cut (you can time this around your tax refund or right after your busy period if your business has seasonality). If you are unable to take a temporary pay cut, prepare yourself to work some extra hours (start by batching activities so you can spend a day per week working from home, and use the time you save when not having a work commute to invest in growth). If you are unable to take a temporary pay cut AND unable to work any extra hours, then read the paragraph below.

Buying music was almost my sole expense but not, of course, my sole luxury. I have far more books than I have albums, far more....

When I am high I couldn’t worry about money if I tried. So I don’t. The money will come from somewhere; I am entitled; God will provide. Credit cards are disastrous, personal checks worse. Unfortunately, for manics anyway, mania is a natural extension of the economy. What with credit cards and bank accounts there is little beyond reach. So I bought twelve snakebite kits, with a sense of urgency and importance. I bought precious stones, elegant and unnecessary furniture, three watches within an hour of one another (in the Rolex rather than Timex class: champagne tastes bubble to the surface, are the surface, in mania), and totally inappropriate sirenlike clothes. During one spree in London I spent several hundred pounds on books having titles or covers that somehow caught my fancy: books on the natural history of the mole, twenty sundry Penguin books because I thought it could be nice if the penguins could form a colony. Once I think I shoplifted a blouse because I could not wait a minute longer for the woman-with-molasses feet in front of me in line. Or maybe I just thought about shoplifting, I don’t remember, I was totally confused. I imagine I must have spent far more than thirty thousand dollars during my two major manic episodes, and God only knows how much more during my frequent milder manias. But then back on lithium and rotating on the planet at the same pace as everyone else, you find your credit is decimated, your mortification complete: mania is not a luxury one can easily afford. It is devastating to have the illness and aggravating to have to pay for medications, blood tests, and psychotherapy. They, at least, are partially deductible. But money spent while manic doesn’t fit into the Internal Revenue Service concept of medical expense or business loss. So after mania, when most depressed, you’re given excellent reason to be even more so.

I was amazed at how expensive economists thought doctors were. They instituted many economic maneuvers—de-skilling medicine onto nurses and physician assistants; computerizing medical decision-making; substituting algorithms for thinking—because they assumed that doctors were such expensive commodities. And yet doctors were not expensive, at least, not the doctors I knew. We cost no more than the nurses, the middle managers, and the information technicians, alas. Adding up all the time I spent with Mrs. Muller, the cost of her accurate diagnosis was about the same as one MRI scan, wholesale. Economists did the same thing with the other remedies of premodern medicine—good food, quiet surroundings, and the little things—treating them as expensive luxuries and cutting them out of their calculations. At Laguna Honda, for instance, while most patients were on fifteen or even twenty daily medications, many of which they didn’t need, the budget for a patient’s daily meals had been pared down to seven dollars, which could supply only the basics. I began to wonder: Had economists ever applied their standard of evidence-based medicine to their own economic assumptions? Under what conditions, with which patients and which diseases was it cost-effective to trade good food, clean surroundings, and doctor time for medications, tests, and procedures? Especially ones that patients didn’t need? Although Mrs. Muller was an impressive example of Laguna Honda’s Slow Medicine, she wasn’t the only one. Almost every patient I admitted had incorrect or outmoded diagnoses and was taking medications for them, too. Medications that required regular blood tests; caused side effects that necessitated still more medications; and put the patient at risk for adverse reactions. Typically my patients came in taking fifteen to twenty-five medications, of which they ended up needing, usually, only six or seven. And medications, even the cheapest, were expensive. Adding in the cost of side effects, lab tests, adverse reactions, and the time pharmacists, doctors, and nurses needed to prepare, order, and administer them, each medication cost something like six or seven dollars a day. So Laguna Honda’s Slow Medicine, to the extent that it led to discontinuing ten or twelve unnecessary medications, was more efficient than efficient health care by at least seventy dollars per day. I

Imagine a mother living in poverty who has always taught her children the difference between right and wrong, who has taught them to value being honest because she wants to provide them with a moral and ethical universe, who suddenly accepts a child selling drugs because it brings into the home financial resources for both necessary and unnecessary expenses. Her ethical values are eroded by the intensity of longing and lack. But she no longer sees herself as living at odds with the consumer culture she lives in; she has become connected, one with the culture of consumption and driven by its demands. Love is not a topic she thinks about. Her life has been characterized by a lack of love. She has found it makes life easier when she hardens her heart and turns her attention toward more attainable goals—acquiring shelter and food, making ends meet, and finding ways to satisfy desires for little material luxuries. Thinking about love may simply cause her pain. She, and hordes of women like her, have had enough pain. She may even turn to addiction to experience the pleasure and satisfaction she never found when seeking love

A crime risk model dehumanizes the prior offender by paring him or her down to the extremely limited view captured by a small number of characteristics (variables input to a predictive model). But, if the integration of PA promises to lower the overall crime rate—as well as the expense of unnecessary incarceration—is this within the acceptable realm of compromises to civil liberties one endures when incarcerated in the first place?

Resolution: Resolve to perform what you ought; perform without fail what you resolve"-was one of the rules for success framed by America's first "self-made" man.  These names of virtues, with their precepts, were: 1. TEMPERANCE. Eat not to dullness; drink not to elevation.    2. SILENCE. Speak not but what may benefit others or yourself; avoid trifling conversation.    3. ORDER. Let all your things have their places; let each part of your business have its time.    4. RESOLUTION. Resolve to perform what you ought; perform without fail what you resolve.    5. FRUGALITY. Make no expense but to do good to others or yourself; i. e., waste nothing.    6. INDUSTRY. Lose no time; be always employ’d in something useful; cut off all unnecessary actions.    7. SINCERITY. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly.    8. JUSTICE. Wrong none by doing injuries, or omitting the benefits that are your duty.    9. MODERATION. Avoid extreams; forbear resenting injuries so much as you think they deserve.    10. CLEANLINESS. Tolerate no uncleanliness in body, cloaths, or habitation.    11. TRANQUILLITY. Be not disturbed at trifles, or at accidents common or unavoidable.    12. CHASTITY. Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another’s peace or reputation.    13. HUMILITY. Imitate Jesus and Socrates.

People didn't always see a person with a disability who had to use a ramp or elevator as people who have been given unnecessary privileges. But I run into that often now. People are saying, 'Why do we have to go to great expense for these people

In Milwaukee and across the nation, most renters were responsible for keeping the lights and heat on, but that had become increasingly difficult to do. Since 2000, the cost of fuels and utilities had risen by more than 50 percent, thanks to increasing global demand and the expiration of price caps. In a typical year, almost 1 in 5 poor renting families nationwide missed payments and received a disconnection notice from their utility company.4 Families who couldn’t both make rent and keep current with the utility company sometimes paid a cousin or neighbor to reroute the meter. As much as $6 billion worth of power was pirated across America every year. Only cars and credit cards got stolen more.5 Stealing gas was much more difficult and rare. It was also unnecessary in the wintertime, when the city put a moratorium on disconnections. On that April day when the moratorium lifted, gas operators returned to poor neighborhoods with their stacks of disconnection notices and toolboxes. We Energies disconnected roughly 50,000 households each year for nonpayment. Many tenants who in the winter stayed current on their rent at the expense of their heating bill tried in the summer to climb back in the black with the utility company by shorting their landlord. Come the following winter, they had to be connected to benefit from the moratorium on disconnection. So every year in Milwaukee evictions spiked in the summer and early fall and dipped again in November, when the moratorium began.

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

list of his 13 virtues, taken from his autobiography, An American Life: Temperance. Eat not to dullness; drink not to elevation. Silence. Speak not but what may benefit others or yourself; avoid trifling conversation. Order. Let all your things have their places; let each part of your business have its time. Resolution. Resolve to perform what you ought; perform without fail what you resolve. Frugality. Make no expense but to do good to others or yourself; i.e., waste nothing. Industry. Lose no time; be always employ’d in something useful; cut off all unnecessary actions. Sincerity. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. Justice. Wrong none by doing injuries, or omitting the benefits that are your duty. Moderation. Avoid extremes; forbear resenting injuries so much as you think they deserve. Cleanliness. Tolerate no uncleanliness in body, clothes, or habitation. Tranquility. Be not disturbed at trifles, or at accidents common or unavoidable. Chastity.

George Percy, the journal keeper who would later prove to be a terribly inept governor in his own right, said that Smith, “fearing … thatt the seamen and thatt factyoin mighte growe too stronge and be a meanes to depose him of his governmentt,” bribed the mariners “by the way of feasteings Expense of mutche powder and other unnecessary Tryumphes That mutche was Spente to noe other purpose butt to Insinewate wth his Reconcyled enemyes and for his owne vayne glory for the wch we all after suffered.

We have to be well fed, the gringo tells us, so we can defend the country. In exchange for these pleasures, we cannot let these people down. One must be ready to defend the country against its enemies even at the expense of our own brothers. And, though it's unnecessary to say so, even at the expense of our mother. This might seem like an exaggeration, but the Western world is in danger and we know that the worst danger to the Western world is what they call 'the people.' The trainer shouts, 'Who is our worst enemy?' And we shout, 'The people!' And so on and so on, 'Who is the worst enemy of democracy?' And we all respond, 'The people!' Louder, he says. And we shout with all our might, 'The people, the people, the people." I'm telling you this in the strictest confidence, of course. They call us the Special Forces.

BlueSnap is the only Global Payment Orchestration Platform that simplifies payments, while helping you to reduce costs and increase sales. We improve the payment experience, reduce friction, increase your authorization rates and expand your global footprint. Even the way we architect the product reduces strain on your resources to increase ROI. We focus on ways to decrease the costs associated with payments – eliminating unnecessary cross-border fees, reducing FX expense, and more.

I reached a point in my own life where I had enough. There was so much stuff around me that I just wanted to scream. I started to get really distressed when looking around my home at all the unnecessary things laying around. At first I took to “tidying up”, putting things away in neat little plastic boxes and lining these boxes up in perfect rows in my closets, desk and other storage areas. This didn’t do it for me, because the clutter would always return and I felt like I wasn’t getting to the root of the issue. I realized that my issue wasn’t just wasn’t the disorganization, but it was the matter of why I had all this stuff to begin with. In my mind, throwing stuff away became less wasteful than having acquired it in the first place. It was almost like this stuff I had acquired was a crutch. The expensive stuff I had was a way to tell myself that I am successful. The activity items, like cookbooks and sports equipment, was a way of pretending that I am consistently an active and dynamic person. The redundant items, like extra jackets and clothing, kitchen supplies, and books were a security blanket guarding against an unknown future (i.e. “you never know”). I suspect that the sentimental items from my past were also a way of holding on to what I know and a fear of moving forward.

Defining the Task in Knowledge Work In knowledge work, the how only comes after the what has been answered. In manual work the task is always given. Wherever there still are domestic servants, the owner of the house tells them what to do. The machine or the assembly line programs the factory worker. But, in knowledge work, what to do becomes the first and decisive question. For knowledge workers are not programmed by the machine. They largely are in control of their own tasks and must be in control of their own tasks. For they, and only they, own and control the most expensive of the means of production—their education—and their most important tool—their knowledge. They do use other tools, of course, whether the nurse’s IV or the engineer’s computer. But their knowledge decides how these tools are being used and for what. They know what steps are most important and what methods need to be used to complete the tasks; and it is their knowledge that tells them what chores are unnecessary and should be eliminated. Work on knowledge-worker productivity therefore begins with asking the knowledge workers themselves: What is your task? What should it be? What should you be expected to contribute? and What hampers you in doing your task and should be eliminated? The how only comes after the what has been answered. ACTION POINT: Define your task as a knowledge worker by asking yourself: “What do I get paid for?” and “What should I get paid for?

Already, over 10 percent of millennials have opted for ridesharing over car ownership, but this is just the beginning. Autonomous cars will be four to five times cheaper—they make owning a car not only unnecessary, but also expensive. My guess, within ten years, you’ll probably need a special permit to drive a human-operated car.

We have here a wonderful industrial machine, but a machine quickly rather than carefully built, formed of forcing rather than of growth, involving sinful and unnecessary expense. Better smaller production and more equitable distribution; better fewer miles of railway and more honor, truth, and liberty; better fewer millionaires and more contentment

Madam, I am delighted to learn that you find the shawl useful in these cooler days of autumn. On that subject, I am writing to inform you of my recent decision to donate all the black curtains that currently shroud the windows at Eversby Priory to a London charitable organization. Although you will regrettably no longer have use of the cloth, it will be made into winter coats for the poor, which I am sure you will agree is a far nobler purpose. I am confident in your ability to find other ways of making the atmosphere at Eversby Priory appropriately grim and cheerless. If I do not receive the curtains promptly, I will take it to mean that you are eager for my assistance, in which case I will be delighted to oblige you by coming to Hampshire at once. Trenear Kathleen’s reply was delivered a week later, along with massive crates containing the black curtains. My Lord, In your concern for the downtrodden masses, it appears to have escaped your mind to inform me that you had arranged for a battalion of workmen to invade Eversby Priory. Even as I write, plumbers and carpenters wander freely throughout the house, tearing apart walls and floors and claiming that it is all by your leave. The expense of plumbing is extravagant and unnecessary. The noise and lack of decorum is unwelcome, especially in a house of mourning. I insist that this work discontinue at once. Lady Trenear Madam, Every man has his limits. Mine happen to be drawn at outdoor privies. The plumbing will continue. Trenear

the First Law of Organizational Development is evident: those who were most at home with the necessary activities and arrangements of one phase are the ones who are the most likely to experience the subsequent phase as a severe personal setback. They will talk about it as a “strategic mistake,” as “dumb,” “unnecessary,” and “too expensive.

Driver Behavior & Safety Proper driving behavior is vital for the safety of drivers, passengers, pedestrians and is a means to achieve fewer road accidents, injuries and damage to vehicles. It plays a role in the cost of managing a fleet as it impacts fuel consumption, insurance rates, car maintenance and fines. It is also important for protecting a firm’s brand and reputation as most company- owned vehicles carry the company’s logo. Ituran’s solution for driver behavior and safety improves organizational driving culture and standards by encouraging safer and more responsible driving. The system which tracks and monitors driver behavior using an innovative multidimensional accelerometer sensor, produces (for each driver) an individual score based on their performance – sudden braking and acceleration, sharp turns, high-speed driving over speed bumps, erratic overtaking, speeding and more. The score allows fleet managers to compare driver performance, set safety benchmarks and hold each driver accountable for their action. Real-time monitoring identifies abnormal behavior mode—aggressive or dangerous—and alerts the driver using buzzer or human voice indication, and detects accidents in real time. When incidents or accidents occurs, a notification sent to a predefined recipient alerts management, and data collected both before and after accidents is automatically saved for future analysis. • Monitoring is provided through a dedicated application which is available to both fleet manager and driver (with different permission levels), allowing both to learn and improve • Improves organizational driving culture and standards and increases safety of drivers and passengers • Web-based reporting gives a birds-eye view of real-time driver data, especially in case of an accident • Detailed reports per individual driver include map references to where incidents have occurred • Comparative evaluation ranks driving according to several factors; the system automatically generates scores and a periodic assessment certificate for each driver and/or department Highlights 1. Measures and scores driver performance and allows to give personal motivational incentives 2. Improves driving culture by encouraging safer and more responsible driving throughout the organization 3. Minimizes the occurrence of accidents and protects the fleet from unnecessary wear & tear 4. Reduces expenses related to unsafe and unlawful driving: insurance, traffic tickets and fines See how it works:

So it seems like your biggest expenses fall in this miscellaneous category. Part of setting a budget is figuring out how much you should be spending and then discipline yourself to stay under that amount. You should also be looking at monthly expenditures that maybe are unnecessary. Like . . .” He scrolled down a bit and said, “Do you really need Netflix?” That was like asking me if I needed my firstborn child. “Uh, yes. I need it. That’s nonnegotiable. If for no other reason than it allows me to consume television the same way I do ice cream and alcohol.” He laughed and said, “Okay, okay. You win. Netflix stays. What about this expense for Sephora? A hundred and thirty-two dollars?” While I’d had to downgrade my hair dye, makeup, cleanser, and toner, I was not willing to give this up. “That’s for my moisturizer.” He blinked at me a couple of times, as if he hadn’t heard me correctly. “You paid a hundred and thirty-two dollars for lotion for your face?” “It’s not lotion. It’s moisturizer.” “For one bottle? What’s in it? Dragon’s blood and the scraping of a unicorn’s horn?” I wasn’t about to tell him it wasn’t for a whole bottle, but for like two ounces. “Ha-ha. I need it. My face needs it.” “You don’t need it. You’re beautiful.” “It’s why I’m beautiful!” I was caught between sheer delight and disbelief at his words, and partial terror that he was going to make me stop using it. But then I started thinking about the way he’d complimented me—he’d said it so matter-of-factly, like it wasn’t his personal opinion, just a truth he happened to agree with. I wasn’t sure how to feel about that. While I was trying to figure out his deeper meaning, he chuckled and shook his head. “Come on, you’re easily the hottest girl in this apartment.” If I thought I’d been thrilled before, it was nothing compared to what I was feeling now. A flush started at the top of my scalp and went down to my toes—unpainted because I couldn’t afford to get a pedicure. Then I realized that Tyler was quoting back to me what I’d said about him at the charity event. Did that mean . . . it was a joke? A callback and he didn’t really mean anything by it? Or was he trying to butter me up so that he could pry my moisturizer out of my cold, soon-to-be dehydrated hands? Not willing to be taken in, I said, “You’re not going to flatter me to get me to change my mind. I’ll remind you that I’m the only girl in this apartment.” “That’s not true. Pidge is here and she’s gorgeous. Aren’t you?” he asked his dog, bending over to pet her. She licked his cheek and I had never felt more of a kinship to her, ever. He turned his attention back to me. “Do you really need it?” “The only time I get a facial now is when I open the dishwasher midcycle and the steam hits me in my face. I don’t buy the moisturizer every month. I’m really careful with how much I use on a daily basis. But I’ve had to give up so many other things. Let me have this one.” “All right, all right.