When They Owe You Money Quotes

No one ought even to desert a woman after throwing her a heap of gold in her distress! He ought to love her forever! You are young, only twenty-one, and kind and upright and fine. You'll ask me how a woman can take money from a man. Oh, God, isn't it natural to share everything with the one we owe all our happiness to? When one has given everything, how can one quibble about a mere portion of it? Money is important only when feeling has ceased. Isn't one bound for life? How can you foresee separation when you think someone loves you? When a man swears eternal love--how can there be any separate concerns in that case?

A panda walks into a bar. He asks the bartender how he can get a little action for the night. The bartender motions to a young woman. She talks to the panda, and they go back to her place. After having sex, the panda abruptly leaves. The next night, the woman goes to the panda's house. "You owe me money," she says. "For what?" The woman rolls her eyes and explains, "I'm a prostitute." The panda pulls out a dictionary and looks it up: "Prostitute: Has sex for money." The panda says, "I don't have to pay you. I'm a panda. Look it up." She is about to protest when the panda hands her the dictionary. The woman looks up "panda" in the dictionary, and it reads, "Panda: Eats bush and leaves.

Okay, calm down, we'll pay,"said Vee, reaching into her back pocket. She stuffed a wad of cash into the bowl, but it was dark and I couldn´t tell how much. "You owe me big-time," she told me. "You're supposed to let me count the money first," Marcie said, digging through the bowl, trying to recapture Vee´s donation. "I just assumed twenty was too high for you to count," Vee said. "My apologies." Marcie's eyes went slitty again, then she turned on her heel and carted the bowl back into the house. "How much did you give her?" I asked Vee. "I didn't. I tossed in a condom." I lifted my eyebrows."Since when do you carry condoms?" "I picked one up off the lawn on our way up the walk. Who knows, maybe Marcie'll use it. Then I'll have done my part to keep her genetic material out of the gene pool.

(Golden Globe acceptance speech in the style of Jane Austen's letters): "Four A.M. Having just returned from an evening at the Golden Spheres, which despite the inconveniences of heat, noise and overcrowding, was not without its pleasures. Thankfully, there were no dogs and no children. The gowns were middling. There was a good deal of shouting and behavior verging on the profligate, however, people were very free with their compliments and I made several new acquaintances. Miss Lindsay Doran, of Mirage, wherever that might be, who is largely responsible for my presence here, an enchanting companion about whom too much good cannot be said. Mr. Ang Lee, of foreign extraction, who most unexpectedly apppeared to understand me better than I undersand myself. Mr. James Schamus, a copiously erudite gentleman, and Miss Kate Winslet, beautiful in both countenance and spirit. Mr. Pat Doyle, a composer and a Scot, who displayed the kind of wild behavior one has lernt to expect from that race. Mr. Mark Canton, an energetic person with a ready smile who, as I understand it, owes me a vast deal of money. Miss Lisa Henson -- a lovely girl, and Mr. Gareth Wigan -- a lovely boy. I attempted to converse with Mr. Sydney Pollack, but his charms and wisdom are so generally pleasing that it proved impossible to get within ten feet of him. The room was full of interesting activitiy until eleven P.M. when it emptied rather suddenly. The lateness of the hour is due therefore not to the dance, but to the waiting, in a long line for horseless vehicles of unconscionable size. The modern world has clearly done nothing for transport. P.S. Managed to avoid the hoyden Emily Tomkins who has purloined my creation and added things of her own. Nefarious creature." "With gratitude and apologies to Miss Austen, thank you.

God will not be tolerated. He instructs us to worship and fear Him. In our world, where hundreds of things distract us from God, we have to intentionally and consistently remind ourselves of Him. Because we don’t often think about the reality of who God is, we quickly forget that He is worthy to be worshiped and loved. We are to fear Him. The answer to each of these questions is simply this: because He’s God. He has more of a right to ask us why so many people are starving. As much as we want God to explain himself to us, His creation, we are in no place to demand that He give an account to us. Can you worship a God who isn’t obligated to explain His actions to you? Could it be your arrogance that makes you think God owes you an explanation? If God is truly the greatest good on this earth, would He be loving us if He didn’t draw us toward what is best for us (even if that happens to be Himself)? Doesn’t His courting, luring, pushing, calling, and even “threatening” demonstrate His love? If He didn’t do all of that, wouldn’t we accuse Him of being unloving in the end, when all things are revealed? Has your relationship with God actually changed the way you live? Do you see evidence of God’s kingdom in your life? Or are you choking it out slowly by spending too much time, energy, money, and thought on the things of this world? Christians who did most for the present world were precisely those who thought most of the next. Jesus’ call to commitment is clear: He wants all or nothing. Our greatest fear as individuals and as a church should not be of failure but of succeeding at things in life that don’t really matter. If life is a river, then pursuing Christ requires swimming upstream. When we stop swimming, or actively following Him, we automatically begin to be swept downstream. How could we think for even a second that something on this puny little earth compares to the Creator and Sustainer and Savior of it all? True faith means holding nothing back; it bets everything on the hope of eternity. When you are truly in love, you go to great lengths to be with the one you love. You’ll drive for hours to be together, even if it’s only for a short while. You don’t mind staying up late to talk. Walking in the rain is romantic, not annoying. You’ll willingly spend a small fortune on the one you’re crazy about. When you are apart from each other, it’s painful, even miserable. He or she is all you think about; you jump at any chance to be together. There is nothing better than giving up everything and stepping into a passionate love relationship with God, the God of the universe who made galaxies, leaves, laughter, and me and you. Do you recognize the foolishness of seeking fulfillment outside of Him? Are you ready and willing to make yourself nothing? To take the very nature of a servant? To be obedient unto death? True love requires sacrifice. What are you doing right now that requires faith? God doesn’t call us to be comfortable. If one person “wastes” away his day by spending hours connecting with God, and the other person believes he is too busy or has better things to do than worship the Creator and Sustainer, who is the crazy one? Am I loving my neighbor and my God by living where I live, by driving what I drive, by talking how I talk?” If I stop pursuing Christ, I am letting our relationship deteriorate. The way we live out our days is the way we will live our lives. What will people say about your life in heaven? Will people speak of God’s work and glory through you? And even more important, how will you answer the King when He says, “What did you do with what I gave you?

want none of your money," said I, "but what you owe my father. I'll get you one glass, and no more." When I brought it to him, he seized it greedily and drank it out. "Aye, aye," said he, "that's some better, sure enough. And now, matey, did that doctor say how long I was to lie here in this old berth?

Here we come to the central question of this book: What, precisely, does it mean to say that our sense of morality and justice is reduced to the language of a business deal? What does it mean when we reduce moral obligations to debts? What changes when the one turns into the other? And how do we speak about them when our language has been so shaped by the market? On one level the difference between an obligation and a debt is simple and obvious. A debt is the obligation to pay a certain sum of money. As a result, a debt, unlike any other form of obligation, can be precisely quantified. This allows debts to become simple, cold, and impersonal-which, in turn, allows them to be transferable. If one owes a favor, or one’s life, to another human being-it is owed to that person specifically. But if one owes forty thousand dollars at 12-percent interest, it doesn’t really matter who the creditor is; neither does either of the two parties have to think much about what the other party needs, wants, is capable of doing-as they certainly would if what was owed was a favor, or respect, or gratitude. One does not need to calculate the human effects; one need only calculate principal, balances, penalties, and rates of interest. If you end up having to abandon your home and wander in other provinces, if your daughter ends up in a mining camp working as a prostitute, well, that’s unfortunate, but incidental to the creditor. Money is money, and a deal’s a deal. From this perspective, the crucial factor, and a topic that will be explored at length in these pages, is money’s capacity to turn morality into a matter of impersonal arithmetic-and by doing so, to justify things that would otherwise seem outrageous or obscene. The factor of violence, which I have been emphasizing up until now, may appear secondary. The difference between a “debt” and a mere moral obligation is not the presence or absence of men with weapons who can enforce that obligation by seizing the debtor’s possessions or threatening to break his legs. It is simply that a creditor has the means to specify, numerically, exactly how much the debtor owes.

If you couldn't catch up with me before the fame and fortune when you had owed me money and/or took up time with me, why on God's green earth should I take up any more time with you to borrow more money and not see you again until its time to borrow some more.

How baffling you are, oh Church, and yet how I love you! How you have made me suffer, and yet how much I owe you! I would like to see you destroyed, and yet I need your presence. You have given me so much scandal and yet you have made me understand what sanctity is. I have seen nothing in the world more devoted to obscurity, more compromised, more false, and yet I have touched nothing more pure, more generous, more beautiful. How often I have wanted to shut the doors of my soul in your face, and how often I have prayed to die in the safety of your arms. No, I cannot free myself from you, because I am you, though not completely. And besides, where would I go? Would I establish another? I would not be able to establish it without the same faults, for they are the same faults I carry in me. And if I did establish another, it would be my Church, not the Church of Christ. I am old enough to know that I am no better than anyone else. …) The Church has the power to make me holy but it is made up, from the first to the last, only of sinners. And what sinners! It has the omnipotent and invincible power to renew the Miracle of the Eucharist, but is made up of men who are stumbling in the dark, who fight every day against the temptation of losing their faith. It brings a message of pure transparency but it is incarnated in slime, such is the substance of the world. It speaks of the sweetness of its Master, of its non-violence, but there was a time in history when it sent out its armies to disembowel the infidels and torture the heretics. It proclaims the message of evangelical poverty, and yet it does nothing but look for money and alliances with the powerful. Those who dream of something different from this are wasting their time and have to rethink it all. And this proves that they do not understand humanity. Because this is humanity, made visible by the Church, with all its flaws and its invincible courage, with the Faith that Christ has given it and with the love that Christ showers on it. When I was young, I did not understand why Jesus chose Peter as his successor, the first Pope, even though he abandoned Him. Now I am no longer surprised and I understand that by founding his church on the tomb of a traitor(…)He was warning each of us to remain humble, by making us aware of our fragility. (…) And what are bricks worth anyway? What matters is the promise of Christ, what matters is the cement that unites the bricks, which is the Holy Spirit. Only the Holy Spirit is capable of building the church with such poorly moulded bricks as are we. And that is where the mystery lies. This mixture of good and bad, of greatness and misery, of holiness and sin that makes up the church…this in reality am I .(…) The deep bond between God and His Church, is an intimate part of each one of us. (…)To each of us God says, as he says to his Church, “And I will betroth you to me forever” (Hosea 2,21). But at the same time he reminds us of reality: 'Your lewdness is like rust. I have tried to remove it in vain. There is so much that not even a flame will take it away' (Ezechiel 24, 12). But then there is even something more beautiful. The Holy Spirit who is Love, sees us as holy, immaculate, beautiful under our guises of thieves and adulterers. (…) It’s as if evil cannot touch the deepest part of mankind. He re-establishes our virginity no matter how many times we have prostituted our bodies, spirits and hearts. In this, God is truly God, the only one who can ‘make everything new again’. It is not so important that He will renew heaven and earth. What is most important is that He will renew our hearts. This is Christ’s work. This is the divine Spirit of the Church.

A panda walks into a bar. He asks the bartender how he can get a little action for the night. The bartender motions to a young woman. She talks to the panda, and they go back to her place. After having sex, the panda abruptly leaves. The next night, the woman goes to the panda's house. "You owe me money," she says. "For what?" The woman rolls her eyes and explains, "I'm a prostitute." The panda pulls out a dictionary and looks it up: "Prostitute: Has sex for money." The panda says, "I don't have to pay you. I'm a panda. Look it up." She is about to protest when the panda hands her the dictionary. The woman looks up "panda" in the dictionary, and it reads, "Panda: Eats bush and leaves. ♦◊♦◊♦◊♦

He thought here you are Joe Bonham lying like a side of beef all the rest of your life and for what? Somebody tapped you on the shoulder and said come along son we’re going to war. So you went. But why? In any other deal even like buying a car or running an errand you had the right to say what’s there in it for me? Otherwise you’d be buying bad cars for too much money or running errands for fools and starving to death. It was a kind of duty you owed yourself that when anybody said come on son do this or do that you should stand up and say look mister why should I do this for who am I doing it and what am I going to get out of it in the end? But when a guy comes along and says here come with me and risk your life and maybe die or be crippled why then you’ve got no rights. You haven’t even the right to say yes or no or I’ll think it over. There are plenty of laws to protect guys’ money even in war time but there’s nothing on the books says a man’s life’s his own. Of

New Rule: America must stop bragging it's the greatest country on earth, and start acting like it. I know this is uncomfortable for the "faith over facts" crowd, but the greatness of a country can, to a large degree, be measured. Here are some numbers. Infant mortality rate: America ranks forty-eighth in the world. Overall health: seventy-second. Freedom of the press: forty-fourth. Literacy: fifty-fifth. Do you realize there are twelve-year old kids in this country who can't spell the name of the teacher they're having sex with? America has done many great things. Making the New World democratic. The Marshall Plan. Curing polio. Beating Hitler. The deep-fried Twinkie. But what have we done for us lately? We're not the freest country. That would be Holland, where you can smoke hash in church and Janet Jackson's nipple is on their flag. And sadly, we're no longer a country that can get things done. Not big things. Like building a tunnel under Boston, or running a war with competence. We had six years to fix the voting machines; couldn't get that done. The FBI is just now getting e-mail. Prop 87 out here in California is about lessening our dependence on oil by using alternative fuels, and Bill Clinton comes on at the end of the ad and says, "If Brazil can do it, America can, too!" Since when did America have to buck itself up by saying we could catch up to Brazil? We invented the airplane and the lightbulb, they invented the bikini wax, and now they're ahead? In most of the industrialized world, nearly everyone has health care and hardly anyone doubts evolution--and yes, having to live amid so many superstitious dimwits is also something that affects quality of life. It's why America isn't gonna be the country that gets the inevitable patents in stem cell cures, because Jesus thinks it's too close to cloning. Oh, and did I mention we owe China a trillion dollars? We owe everybody money. America is a debtor nation to Mexico. We're not a bridge to the twenty-first century, we're on a bus to Atlantic City with a roll of quarters. And this is why it bugs me that so many people talk like it's 1955 and we're still number one in everything. We're not, and I take no glee in saying that, because I love my country, and I wish we were, but when you're number fifty-five in this category, and ninety-two in that one, you look a little silly waving the big foam "number one" finger. As long as we believe being "the greatest country in the world" is a birthright, we'll keep coasting on the achievements of earlier generations, and we'll keep losing the moral high ground. Because we may not be the biggest, or the healthiest, or the best educated, but we always did have one thing no other place did: We knew soccer was bullshit. And also we had the Bill of Rights. A great nation doesn't torture people or make them disappear without a trial. Bush keeps saying the terrorist "hate us for our freedom,"" and he's working damn hard to see that pretty soon that won't be a problem.

He buys Playboy magazines and looks through them once, then gives them to me. That’s what it’s like to be rich. Here’s what it’s like to be poor. Your wife leaves you because you can’t find a job because there aren’t any jobs to find. You empty the jar of pennies on the mantel to buy cigarettes. You hate to answer the phone; it can’t possibly be good news. When your friends invite you out, you don’t go. After a while, they stop inviting. You owe them money, and sometimes they ask for it. You tell them you’ll see what you can scrape up. Which is this: nothing.

When all our needs are met and all is well in our lives, we tend to take credit for what we have, to feel that we carry our own loads. We work hard to earn the money we need to buy food and clothes, pay our rent or mortgage. But even the hardest-working individual owes all he earns to God’s provision. Moses reminded Israel that God “is giving you power to make wealth” (Deut. 8:18).

I busted him and he busted me. That's fair ain't it? No, I ain't forgettin about jail. You think because he arrested me that thows it off again I reckon? I don't. It's his job. It's what he gets paid for. To arrest people that break the law. And I didn't jest break the law, I made a livin at it. More money in three hours than any workin man makes in a week. Why is that? Because it's harder work? No, because a man who makes a livin doin somethin that has to get him in jail sooner or later has to be paid for the jail, has to be paid in advance not jest for his time breakin the law but for the time he has to build when he gets caught at it. So I been paid. Gifford's been paid. Nobody owes nobody. If it wadn't for Gifford, the law, I wouldn't of had the job I had blockadin and if it wadn't for me blockadin, Gifford wouldn't of had his job arrestin blockaders. Now who owes who?

But still, it was not the desire to ‘write’ that was his real motive. To get out of the money-world—that was what he wanted. Vaguely he looked forward to some kind of moneyless, anchorite existence. He had a feeling that if you genuinely despise money you can keep going somehow, like the birds of the air. He forgot that the birds of the air don’t pay room-rent. The poet starving in a garret—but starving, somehow, not uncomfortably—that was his vision of himself. The next seven months were devastating. They scared him and almost broke his spirit. He learned what it means to live for weeks on end on bread and margarine, to try to ‘write’ when you are half starved, to pawn your clothes, to sneak trembling up the stairs when you owe three weeks’ rent and your landlady is listening for you. Moreover, in those seven months he wrote practically nothing. The first effect of poverty is that it kills thought. He grasped, as though it were a new discovery, that you do not escape from money merely by being moneyless. On the contrary, you are the hopeless slave of money until you have enough of it to live on—a ‘competence’, as the beastly middle-class phrase goes.

The only grown-up other than Jacob who ever came into his schoolroom was Eli Willard. School was in session one day when the Connecticut itinerant reappeared after long absence, bringing Jacob's glass and other merchandise. Jacob seized him and presented him to the class. 'Boys and girls, this specimen here is a Peddler. You don't see them very often. They migrate, like the geese flying over. This one comes maybe once a year, like Christmas. But he ain't dependable, like Christmas. He's dependable like rainfall. A Peddler is a feller who has got things you ain't got, and he'll give 'em to ye, and then after you're glad you got 'em he'll tell ye how much cash money you owe him fer 'em. If you ain't got cash money, he'll give credit, and collect the next time he comes 'round, and meantime you work hard to git the money someway so's ye kin pay him off. Look at his eyes. Notice how they are kinder shiftly-like. Now, class, the first question is: why is this feller's eyes shiftly-like?

Humanistic propaganda screams at us everywhere we go. “You deserve better.” “There’s no one like you.” “Stand up for yourself.” And after a while we start believing the mantra. The most influential culture-shaping document in American history is the Declaration of Independence. And built into the ethos of American society are three inalienable rights: life, liberty, and the pursuit of happiness. I think the wording is ironic: the pursuit of happiness. It’s almost like the architects of modern democracy said, “We guarantee you life, and we promise you liberty. But happiness? Good luck.” America is a social experiment founded on the pursuit of happiness. Hundreds of millions of Americans are chasing down happiness. Money, materialism, sex, romance, religion, family, and fame are all pursuits of the same human craving—joy. But apart from Jesus, we never get there. People spend decades searching high and low for happiness and never land at joy. In an odd twist of fate, America, for all her life and liberty, is one of the most depressed nations in the world. And many of us are mad at God. Somehow we think God owes us. We deserve happiness. We deserve a good, comfortable life, free from pain and suffering. We have rights! Right? The scriptures present a totally different worldview that stands against the humanism of Western Europe. It is written, “By grace you have been saved.”[17] The word grace is (charis) in the Greek, which can be translated as “gift.” All of life is grace. All of life is a gift. Humans have no rights. Everything is a gift. Food, shelter, the clothes on our backs, the oxygen in our lungs—it’s all grace. The entire planet, the sky above us and the ground beneath our feet, is all on loan from the Creator God. We live under his roof, eat his food, and drink his water. We are guests. And we are blessed. A reporter once asked Bob Dylan if he was happy. Dylan’s response was, “These are yuppie words, happiness and unhappiness. It’s not happiness or unhappiness. It’s either blessed or unblessed.”[18] I like that. We are blessed. When you reorient yourself to a biblical worldview, the only posture left to take is gratitude. If all of life is a gift, how could we help but thank God?

When do you wish to go?” “Early to-morrow morning, sir.” “Well, you must have some money; you can’t travel without money, and I daresay you have not much: I have given you no salary yet. How much have you in the world, Jane?” he asked, smiling. I drew out my purse; a meagre thing it was. “Five shillings, sir.” He took the purse, poured the hoard into his palm, and chuckled over it as if its scantiness amused him. Soon he produced his pocket-book: “Here,” said he, offering me a note; it was fifty pounds, and he owed me but fifteen. I told him I had no change. “I don’t want change; you know that. Take your wages.” I declined accepting more than was my due. He scowled at first; then, as if recollecting something, he said— “Right, right! Better not give you all now: you would, perhaps, stay away three months if you had fifty pounds. There are ten; is it not plenty?” “Yes, sir, but now you owe me five.” “Come back for it, then; I am your banker for forty pounds.” “Mr. Rochester, I may as well mention another matter of business to you while I have the opportunity.” “Matter of business? I am curious to hear it.” “You have as good as informed me, sir, that you are going shortly to be married?” “Yes; what then?” “In that case, sir, Adèle ought to go to school: I am sure you will perceive the necessity of it.” “To get her out of my bride’s way, who might otherwise walk over her rather too emphatically? There’s sense in the suggestion; not a doubt of it. Adèle, as you say, must go to school; and you, of course, must march straight to—the devil?” “I hope not, sir; but I must seek another situation somewhere.” “In course!” he exclaimed, with a twang of voice and a distortion of features equally fantastic and ludicrous. He looked at me some minutes. “And old Madam Reed, or the Misses, her daughters, will be solicited by you to seek a place, I suppose?” “No, sir; I am not on such terms with my relatives as would justify me in asking favours of them—but I shall advertise.

What would it be like to wake up every day and do exactly what you want to do? What would it feel like to not owe anyone else a dime? What would it feel like to have the abundant time to devote to your spouse, children, and friends? On top of that, you have a healthy lifestyle, free to exercise without trying to find the time and to eat well without trying to find the money. Phase IV is when an unexpected setback is like driving over a pebble when it used to be like driving into a ditch. You don’t have to work as much, but you do because you want to grow, help others, and contribute. It makes you feel alive. You can’t see the difference between working and playing.

It was hard to ask someone like Zara about that sort of thing directly, so the psychologist asked instead: “Why do you like your job?” “Because I’m an analyst. Most people who do the same job as me are economists,” Zara replied immediately. “What’s the difference?” “Economists only approach problems head-on. That’s why economists never predict stock market crashes.” “And you’re saying that analysts do?” “Analysts expect crashes. Economists only earn money when things go well for the bank’s customers, whereas analysts earn money all the time.” “Does that make you feel guilty?” the psychologist asked, mostly to see if Zara thought that word was a feeling or something to do with gold plating. “Is it the croupier’s fault if you lose your money at the casino?” Zara asked. “I’m not sure that’s a fair comparison.” “Why not?” “Because you use words like ‘stock market crash,’ but it’s never the stock market or the banks that crash. Only people do that.” “There’s a very logical explanation for why you think that.” “Really?” “It’s because you think the world owes you something. It doesn’t.” “You still haven’t answered my question. I asked why you like your job. All you’ve done is tell me why you’re good at it.” “Only weak people like their jobs.” “I don’t think that’s true.” “That’s because you like your job.” “You say that as if there’s something wrong with that.

You think because he arrested me that throws it off again I reckon? I don’t. It’s his job. It’s what he gets paid for. To arrest people that break the law. And I didn’t jest break the law, I made a livin at it. . . . More money in three hours than a workin man makes in a week. Why is that? Because it’s harder work? No, because a man who makes a livin doin something that has to get him in jail sooner or later has to be paid for the jail, has to be paid in advance not jest for his time breakin the law but for the time he has to build when he gets caught at it. So I been paid. Gifford’s been paid. Nobody owes nobody. If it wadn’t for Gifford, the law, I wouldn’t of had the job I had blockading and if it wadn’t for me blockading, Gifford wouldn’t of had his job arrestin blockaders. Now who owes who?

Y.T. is bored. She gets on her plank. The wheels blossom and become circular. She guides a tight wobbly course around the cars, coasts down into the street. The spotlight follows her for a moment, maybe picking up some stock footage. Videotape is cheap. You never know when something will be useful, so you might as well videotape it. People make their living that way -- people in the intel business. People like Hiro Protagonist. They just know stuff, or they just go around and videotape stuff. They put it in the Library. When people want to know the particular things that they know or watch their videotapes, they pay them money and check it out of the Library, or just buy it outright. This is a weird racket, but Y.T. likes the idea of it. Usually, the CIC won't pay any attention to a Kourier. But apparently Hiro has a deal with them. Maybe she can make a deal with Hiro. Because Y.T. knows a lot of interesting little things. One little thing she knows is that the Mafia owes her a favor.

I never meant to bring all of it upon you. Surely you understand that. I have loved you and admired you all my life. You are the only true hero I have. I owe you everything.' Lizzie reached out and stripped leaves off a twig. 'You always wanted to do something big. Something important.' 'Is that such a terrible thing? You're the one who told me once that the world can't forgive ambition in a woman.' 'I never got to find out. My ambitions never seemed to figure into things. You were away at the university when Mother got sick, so it fell to Jessie and me. And you were already married by the time Jessie passed. Your life was set. Suddenly there was a niece to raise, and then...' Lizzie paused. ' Then you had your personality to go discover.' She tossed away a fistful of leaves. 'You had everything. You had a wonderful man who adored you, beautiful healthy children. Freedom. No money worries. A nanny and a housekeeper. You didn't have to work, and Edwin never asked a thing of you. Do you realize what you gave up for Frank Wright? The kind of life most women-- most feminists-- dream of.

I nod slowly again, and then say, “And how much of that wealth have you personally used to house and feed and clothe and protect and teach members of your community? How much of that money have you given to the Gifted community? People that are completely separate and different to your own, but who may have requirements that are not being met?” She frowns deeper at me and blusters, “We live in a society in which people are responsible for taking care of themselves. I owe them nothing.” I nod slowly to her. “Yes, and my community is at war with itself, as well as members of your own community who have chosen to pick a side. So, instead of running away with my money to somewhere safer, I have chosen to stay and protect as many people as I can. I've put my money where my mouth is. I will not be told by some half-bred hick that I am incapable of doing my job. Someday, when you choose a cause that actually means something to you, and you do put your money behind it, then maybe I'll listen. But I don't foresee that day coming anytime soon, do you?” Her mouth opens and shuts a few times as she gapes at me like a fish, and I give her one last decisive nod as I skirt around her and out of the building,

Emma, calm down. I had to know-" I point my finger in his face, almost touching his eyeball. "It's one thing for me to give your permission to look into it. But I'm pretty sure looking into it without my consent is illegal. In fact, I'm pretty sure everything that woman does is illegal. Do you even know what the Mafia is, Galen?" His eyebrows lift in surprise. "She told you who she is? I mean, who she used to be?" I nod. "While you were checking in with Grom. Once in the Mob, always in the Mob, if you ask me. How else would she get all her money? But I guess you wouldn't care about that, since she buys you houses and cars and fake IDs." I snatch my wrist away and turn back toward our hotel. At least, I hope it's our hotel. Galen laughs. "Emma, it's not Rachel's money; it's mine." I whirl on him. "You are a fish. You don't have a job. And I don't think Syrena currency has any of our presidents on it." Now "our" means I'm human again. I wish I could make up my mind. He crosses his arms. "I earn it another way. Walk to the Gulfarium with me, and I'll tell you how." The temptation divides me like a cleaver. I'm one part hissy fit and one part swoon. I have a right to be mad, to press charges, to cut Rachel's hair while she's sleeping. But do I really want to risk the chance that she keeps a gun under her pillow? Do I want to miss the opportunity to scrunch my toes in the sand and listen to Galen's rich voice tell me how a fish came to be wealthy? Nope, I don't. Taking care to ram my shoulder into him, I march past him and hopefully in the right direction. When he catches up to me, his grin threatens the rest of my hissy fit side, so I turn away, fixing my glare on the waves. "I sell stuff to humans," he says. I glance at him. He's looking at me, his expression every bit as expectant as I feel. I hate this little game of ours. Maybe because I'm no good at it. He won't tell me more unless I ask. Curiosity is one of my most incurable flaws-and Galen knows it. Still, I already gave up a perfectly good tantrum for him, so I feel like he owes me. Never mind that he saved my life today. That was so two hours ago. I lift my chin. "Rachel says I'm a millionaire," he says, his little knowing smirk scrubbing my nerves like a Brillo pad. "But for me, it's not about the money. Like you, I have a soft spot for history." Crap, crap, crap. How can he already know me this well? I must be as readable as the alphabet. What's the use? He's going to win, every time.

As time passed, I learned more and more about the culture that comes with beign an injured veteran. There are a lot of really wonderful people and organizations to help veterans returning from war. Right about the time I started to really move forward in my recovery, two women came by and introduced themselves. They explained that they raise money to help injured veterans with various needs. They asked if there was anything I or my family needed. I said, “No thank you, I’m all good.” But my sisters piped up and said, “He needs clothes. He doesn’t have anything.” The women smiled and said they’d be back. They came back with some sweatpants and a shirt and then announced that they were taking us to the mall. This would be my first time leaving the campus of Walter Reed, my first real trip out of the hospital. We were all excited. Leaving the hospital was a big step for me but my poor sisters had been cooped up much of the time with me in there as well. I was a little nervous, but I owed it to them to push aside my anxiety. We decided that the electric wheelchair would be too heavy and too much trouble to get in and out of the car, so Jennifer wheeled me down to the front door where the ladies were waiting in their car. With very little assistance, Jennifer was able to get me for that chair into the car and we were off to the mall. When we arrived, my sisters pulled the wheelchair out of the trunk and placed it next to the car door. They opened the door and Jennifer leaned down and with one swift motion lifted me up like a nearly weightless child and placed me in the chair. I laughed it off. “My sister’s strong. She’s really strong,” I boasted on her behalf. Sara, Katherine, and Jennifer were laughing the whole time because I didn’t realize how scrawny I was, how much weight I had lost. Jennifer could pick me up with no problem because I practically weighed nothing at all. But through the laughter, I felt a pang of guilt. I am the brother of three sisters. It was my job to protect and care for them. Yet here I was, barely able to take care of myself.

Socrates: So now you won't acknowledge any gods except the ones we do--Chaos, the Clouds, the Tongue--just these three? Strepsiades: Absolutely-- I'd refuse to talk to any other gods, if I ran into them--and I decline to sacrifice or pour libations to them. I'll not provide them any incense... I want to twist all legal verdicts in my favor, to evade my creditors. Chorus Leader: You'll get that, just what you desire. For what you want is nothing special. So be confident--give yourself over to our agents here. Strepsiades: I'll do that--I'll place my trust in you. Necessity is weighing me down--the horses, those thoroughbreds, my marriage--all that has worn me out. So now, this body of mine I'll give to them, with no strings attached, to do with as they like--to suffer blows, go without food and drink, live like a pig, to freeze or have my skin flayed for a pouch-- if I can just get out of all my debt and make men think of me as bold and glib, as fearless, impudent, detestable, one who cobbles lies together, makes up words, a practiced legal rogue, a statute book, a chattering fox, sly and needle sharp, a slippery fraud, a sticky rascal, foul whipping boy or twisted villain, troublemaker, or idly prattling fool. If they can make those who run into me call me these names, they can do what they want--no questions asked. If, by Demeter, they're keen, they can convert me into sausages and serve me up to men who think deep thoughts. Chorus: Here's a man whose mind's now smart, no holding back--prepared to start. When you have learned all this from me you know your glory will arise among all men to heaven's skies. Strepsiades: And what will I get out of this? Chorus: For all time, you'll live with me a life most people truly envy. Strepsiades: You mean one day I'll really see that? Chorus: Hordes will sit outside your door wanting your advice and more-- to talk, to place their trust in you for their affairs and lawsuits, too, things which merit your great mind. They'll leave you lots of cash behind. Chorus Leader: [to Socrates] So get started with this old man's lessons, what you intend to teach him first of all--rouse his mind, test his intellectual powers. Socrates: Come on then, tell me the sort of man you are--once I know that, I can bring to bear on you my latest batteries with full effect. Strepsiades: What's that? By god, are you assaulting me? Socrates: No--I want to learn some things from you. What about your memory? Strepsiades: To tell the truth, it works two ways. If someone owes me something, I remember really well. But if it's poor me that owes the money, I forget a lot. Socrates: Do you have a natural gift for speech? Strepsiades: Not for speaking--only for evading debt. Socrates: ... Now, what do you do if someone hits you? Strepsiades: If I get hit, I wait around a while, then find witnesses, hang around some more, then go to court.

ASSERTIVE The Assertive type believes time is money; every wasted minute is a wasted dollar. Their self-image is linked to how many things they can get accomplished in a period of time. For them, getting the solution perfect isn’t as important as getting it done. Assertives are fiery people who love winning above all else, often at the expense of others. Their colleagues and counterparts never question where they stand because they are always direct and candid. They have an aggressive communication style and they don’t worry about future interactions. Their view of business relationships is based on respect, nothing more and nothing less. Most of all, the Assertive wants to be heard. And not only do they want to be heard, but they don’t actually have the ability to listen to you until they know that you’ve heard them. They focus on their own goals rather than people. And they tell rather than ask. When you’re dealing with Assertive types, it’s best to focus on what they have to say, because once they are convinced you understand them, then and only then will they listen for your point of view. To an Assertive, every silence is an opportunity to speak more. Mirrors are a wonderful tool with this type. So are calibrated questions, labels, and summaries. The most important thing to get from an Assertive will be a “that’s right” that may come in the form of a “that’s it exactly” or “you hit it on the head.” When it comes to reciprocity, this type is of the “give an inch/take a mile” mentality. They will have figured they deserve whatever you have given them so they will be oblivious to expectations of owing something in return. They will actually simply be looking for the opportunity to receive more. If they have given some kind of concession, they are surely counting the seconds until they get something in return. If you are an Assertive, be particularly conscious of your tone. You will not intend to be overly harsh but you will often come off that way. Intentionally soften your tone and work to make it more pleasant. Use calibrated questions and labels with your counterpart since that will also make you more approachable and increase the chances for collaboration. We’ve seen how each of these groups views the importance of time differently (time = preparation; time = relationship; time = money). They also have completely different interpretations of silence. I’m definitely an Assertive, and at a conference this Accommodator type told me that he blew up a deal. I thought, What did you do, scream at the other guy and leave? Because that’s me blowing up a deal. But it turned out that he went silent; for an Accommodator type, silence is anger. For Analysts, though, silence means they want to think. And Assertive types interpret your silence as either you don’t have anything to say or you want them to talk. I’m one, so I know: the only time I’m silent is when I’ve run out of things to say. The funny thing is when these cross over. When an Analyst pauses to think, their Accommodator counterpart gets nervous and an Assertive one starts talking, thereby annoying the Analyst, who thinks to herself, Every time I try to think you take that as an opportunity to talk some more. Won’t you ever shut up?

I don’t know what to do with you,” he said, his voice growing curt with anger again. “Deceitful little minx. I’m of half a mind to put you to work, milking the goats. But that’s out of the question with these hands, now isn’t it?” He curled and uncurled her fingers a few times, testing the bandage. “I’ll tell Stubb to change this twice a day. Can’t risk the wound going septic. And don’t use your hands for a few days, at least.” “Don’t use my hands? I suppose you’re going to spoon-feed me, then? Dress me? Bathe me?” He inhaled slowly and closed his eyes. “Don’t use your hands much.” His eyes snapped open. “None of that sketching, for instance.” She jerked her hands out of his grip. “You could slice off my hands and toss them to the sharks, and I wouldn’t stop sketching. I’d hold the pencil with my teeth if I had to. I’m an artist.” “Really. I thought you were a governess.” “Well, yes. I’m that, too.” He packed up the medical kit, jamming items back in the box with barely controlled fury. “Then start behaving like one. A governess knows her place. Speaks when spoken to. Stays out of the damn way.” Rising to his feet, he opened the drawer and threw the box back in. “From this point forward, you’re not to touch a sail, a pin, a rope, or so much as a damned splinter on this vessel. You’re not to speak to crewmen when they’re on watch. You’re forbidden to wander past the foremast, and you need to steer clear of the helm, as well.” “So that leaves me doing what? Circling the quarterdeck?” “Yes.” He slammed the drawer shut. “But only at designated times. Noon hour and the dogwatch. The rest of the day, you’ll remain in your cabin.” Sophia leapt to her feet, incensed. She hadn’t fled one restrictive program of behavior, just to submit to another. “Who are you to dictate where I can go, when I can go there, what I’m permitted to do? You’re not the captain of this ship.” “Who am I?” He stalked toward her, until they stood toe-to-toe. Until his radiant male heat brought her blood to a boil, and she had to grab the table edge to keep from swaying toward him. “I’ll tell you who I am,” he growled. “I’m a man who cares if you live or die, that’s who.” Her knees melted. “Truly?” “Truly. Because I may not be the captain, but I’m the investor. I’m the man you owe six pounds, eight. And now that I know you can’t pay your debts, I’m the man who knows he won’t see a bloody penny unless he delivers George Waltham a governess in one piece.” Sophia glared at him. How did he keep doing this to her? Since the moment they’d met in that Gravesend tavern, there’d been an attraction between them unlike anything she’d ever known. She knew he had to feel it, too. But one minute, he was so tender and sensual; the next, so crass and calculating. Now he would reduce her life’s value to this cold, impersonal amount? At least back home, her worth had been measured in thousands of pounds not in shillings. “I see,” she said. “This is about six pounds, eight shillings. That’s the reason you’ve been watching me-“ He made a dismissive snort. “I haven’t been watching you.” “Staring at me, every moment of the day, so intently it makes my…my skin crawl and all you’re seeing is a handful of coins. You’d wrestle a shark for a purse of six pounds, eight. It all comes down to money for you.

MT: Mimetic desire can only produce evil? RG: No, it can become bad if it stirs up rivalries but it isn't bad in itself, in fact it's very good, and, fortunately, people can no more give it up than they can give up food or sleep. It is to imitation that we owe not only our traditions, without which we would be helpless, but also, paradoxically, all the innovations about which so much is made today. Modern technology and science show this admirably. Study the history of the world economy and you'll see that since the nineteenth century all the countries that, at a given moment, seemed destined never to play anything but a subordinate role, for lack of “creativity,” because of their imitative or, as Montaigne would have said, their “apish” nature, always turned out later on to be more creative than their models. It began with Germany, which, in the nineteenth century, was thought to be at most capable of imitating the English, and this at the precise moment it surpassed them. It continued with the Americans in whom, for a long time, the Europeans saw mediocre gadget-makers who weren't theoretical or cerebral enough to take on a world leadership role. And it happened once more with the Japanese who, after World War II, were still seen as pathetic imitators of Western superiority. It's starting up again, it seems, with Korea, and soon, perhaps, it'll be the Chinese. All of these consecutive mistakes about the creative potential of imitation cannot be due to chance. To make an effective imitator, you have to openly admire the model you're imitating, you have to acknowledge your imitation. You have to explicitly recognize the superiority of those who succeed better than you and set about learning from them. If a businessman sees his competitor making money while he's losing money, he doesn't have time to reinvent his whole production process. He imitates his more fortunate rivals. In business, imitation remains possible today because mimetic vanity is less involved than in the arts, in literature, and in philosophy. In the most spiritual domains, the modern world rejects imitation in favor of originality at all costs. You should never say what others are saying, never paint what others are painting, never think what others are thinking, and so on. Since this is absolutely impossible, there soon emerges a negative imitation that sterilizes everything. Mimetic rivalry cannot flare up without becoming destructive in a great many ways. We can see it today in the so-called soft sciences (which fully deserve the name). More and more often they're obliged to turn their coats inside out and, with great fanfare, announce some new “epistemological rupture” that is supposed to revolutionize the field from top to bottom. This rage for originality has produced a few rare masterpieces and quite a few rather bizarre things in the style of Jacques Lacan's Écrits. Just a few years ago the mimetic escalation had become so insane that it drove everyone to make himself more incomprehensible than his peers. In American universities the imitation of those models has since produced some pretty comical results. But today that lemon has been squeezed completely dry. The principle of originality at all costs leads to paralysis. The more we celebrate “creative and enriching” innovations, the fewer of them there are. So-called postmodernism is even more sterile than modernism, and, as its name suggests, also totally dependent on it. For two thousand years the arts have been imitative, and it's only in the nineteenth and twentieth centuries that people started refusing to be mimetic. Why? Because we're more mimetic than ever. Rivalry plays a role such that we strive vainly to exorcise imitation. MT

But the man who owned the vineyard said to one of those workers, ‘Friend, I am being fair to you. You agreed to work for one coin. So take your pay and go. I want to give the man who was hired last the same pay that I gave you. I can do what I want with my own money. Are you jealous because I am good to those people?’ “So those who are last now will someday be first, and those who are first now will someday be last.” (20:1–16 NCV) “Do you begrudge my generosity?” the landowner is saying. The answer, of course, is yes, they do. They begrudge it quite a bit. Even though it has no impact on them whatsoever, it offends them. We hate it when we are trying so hard to earn something, and then someone else gets the same thing without trying as hard. Think about this for a moment, in real, “today” terms. Someone gives you a backbreaking job, and you’re happy for it, but at the end of the day, when you’re getting paid, the guys who came in with five minutes left get the same amount you just got. Seriously? It’s imbalanced, unfair, maddening . . . and it’s also exactly what Jesus just said the kingdom of God is like. Not only is it maddening; it’s maddening to the “good” people! Common sense says you don’t do this. You don’t pay latecomers who came in a few minutes ago the same amount that you paid the hardworking folks you hired first. Jesus tells this story, knowing full well that the conscientious ones listening would find this hardest to take. And, as a matter of fact, as a conscientious one, I find this hard to take. I’m just being honest. This story does not fit my style. I’m all about people getting what they deserve. Oh, it’s offensive, too, when Jesus turns to a guy who’s being executed next to Him, and tells him, “Today, you will be with me in paradise” (Luke 23:43). What did the guy do to deserve that? He did nothing. If you call yourself a Christian, and you want things to be fair, and you want God’s rewards given out only to the deserving and the upstanding and the religious, well, honestly, Jesus has got to be a complete embarrassment to you. In fact, to so many upstanding Christians, He is. He has always been offensive, and remains offensive, to those who seek to achieve “righteousness” through what they do. Always. People who’ve grown up in church (like me) are well acquainted with the idea that Jesus is our “cornerstone.” He’s the solid rock of our faith. Got it. Not controversial. It’s well-known. But what’s not so talked about: That stone, Jesus, causes religious people to stumble. And that rock is offensive to “good” people: So what does all this mean? Those who are not Jews were not trying to make themselves right with God, but they were made right with God because of their faith. The people of Israel tried to follow a law to make themselves right with God. But they did not succeed, because they tried to make themselves right by the things they did instead of trusting in God to make them right. They stumbled over the stone that causes people to stumble. (Rom. 9:30–32 NCV) And then Paul says something a couple verses later that angers “good Christians” to this day: Because they did not know the way that God makes people right with him, they tried to make themselves right in their own way. So they did not accept God’s way of making people right. Christ ended the law so that everyone who believes in him may be right with God. (Rom. 10:3–4 NCV) It’s not subtle, what Paul’s writing here. For anyone who believes in Him, Jesus ended the law as a means to righteousness. Yet so many think they can achieve—even have achieved—some kind of “good Christian” status on the basis of the rule-keeping work they’ve done. They suspect they’ll do good things and God will owe them for it, like payment for a job well done. Paul says, in effect, if you think you should get what you earn, you will . . . and you don’t want that.

Indian Express (Indian Express) - Clip This Article at Location 721 | Added on Sunday, 30 November 2014 20:28:42 Fifth column: Hope and audacity Ministers, high officials, clerks and peons now report for duty on time and are no longer to be seen taking long lunch breaks to soak in winter sunshine in Delhi’s parks. Reform is needed not just in economic matters but in every area of governance. Does the Prime Minister know how hard it is to get a passport? Tavleen Singh | 807 words At the end of six months of the Modi sarkar are we seeing signs that it is confusing efficiency with reform? I ask the question because so far there is no sign of real reform in any area of governance. And, because some of Narendra Modi’s most ardent supporters are now beginning to get worried. Last week I met a man who dedicated a whole year to helping Modi become Prime Minister and he seemed despondent. When I asked how he thought the government was doing, he said he would answer in the words of the management guru Peter Drucker, “There is nothing quite so useless as doing with great efficiency something that should not be done at all.” We can certainly not fault this government on efficiency. Ministers, high officials, clerks and peons now report for duty on time and are no longer to be seen taking long lunch breaks to soak in winter sunshine in Delhi’s parks. The Prime Minister’s Office hums with more noise and activity than we have seen in a decade but, despite this, there are no signs of the policy changes that are vital if we are to see real reform. The Planning Commission has been abolished but there are many, many other leftovers from socialist times that must go. Do we need a Ministry of Information & Broadcasting in an age when the Internet has made propaganda futile? Do we need a meddlesome University Grants Commission? Do we need the government to continue wasting our money on a hopeless airline and badly run hotels? We do not. What we do need is for the government to make policies that will convince investors that India is a safe bet once more. We do not need a new government that simply implements more efficiently bad policies that it inherited from the last government. It was because of those policies that investors fled and the economy stopped growing. Unless this changes through better policies, the jobs that the Prime Minister promises young people at election rallies will not come. So far signals are so mixed that investors continue to shy away. The Finance Minister promises to end tax terrorism but in the next breath orders tax inspectors to go forth in search of black money. Vodafone has been given temporary relief by the courts but the retroactive tax remains valid. And, although we hear that the government has grandiose plans to improve the decrepit transport systems, power stations and ports it inherited, it continues to refuse to pay those who have to build them. The infrastructure industry is owed more than Rs 1.5 lakh continued... crore in government dues and this has crippled major companies. No amount of efficiency in announcing new projects will make a difference unless old dues are cleared. Reform is needed not just in economic matters but in every area of governance. Does the Prime Minister know how hard it is to get a passport? Does he know that a police check is required even if you just want to get a few pages added to your passport? Does he know how hard it is to do routine things like registering property? Does he know that no amount of efficiency will improve healthcare services that are broken? No amount of efficiency will improve educational services that have long been in terminal decline because of bad policies and interfering officials. At the same time, the licence raj that strangles private investment in schools and colleges remains in place. Modi’s popularity with ordinary people has increased since he became Prime Minister, as we saw from his rallies in Kashmir last week, but it will not la

It is the heavy reality of the writing life which makes the “why” so easy to forget: Gutless rejection letters, denigrating revision letters, incompetent copy edits, insulting reviews, late checks, disappointing sales, down-trending print-runs, shrinking advances, royalties paid in a geological timeframe, imprints folding, publishers downsizing their lists and conglomerating their overhead.  One day your editor expresses all the enthusiasm of an overtired undertaker. The next day your agent demonstrates all the faith and commitment of a diseased streetwalker. Your book is packaged with a cover that would embarrass anyone who wasn’t raised in a Red Light district. You give a thoughtful interview only to discover the resultant article describes you as churning out potboilers. Three people show up at your book signing, two of them because they thought you were someone else; the third person came because you owe him money. When you make the New York Times list, a neighbor asks you “which” NYT list you’re on, because there must be a separate one for the trash you write. Though you’ve been publishing regularly for years, you know people who ask, every single time they see you, if you still write. (No, I fell back on my independent wealth when the going got tough.)

Sudden money means you’re suddenly faced with a lot of problems (I know that’s hard to believe, but trust me, I’ll reveal some of them in this book.). How do you do the right thing and still maintain your dignity, your closest relationships, and, most critically, your bank balance at the same time? How do you know when to say yes and when to say no? Who is needy versus who is greedy? Who do you owe for your success,

In light of the well’s legendary status,” Swift said, “I’d hate to overlook a good opportunity.” He reached into a pocket, rummaged briefly and pulled out a large silver coin. It had been forever since Daisy had seen American money. “You’re supposed to throw in a pin,” she said. “I don’t have a pin.” “That’s a five-dollar piece,” Daisy said in disbelief. “You’re not going to throw that away, are you?” “I’m not throwing it away. I’m making an investment. You’d better tell me the proper procedure for making wishes—it’s a lot of money to waste.” “You’re mocking me.” “I’m in deadly earnest. And since I’ve never done this before, some advice would be welcome.” He waited for her reply, and when it became evident that none was forthcoming, a touch of humor lurked in one corner of his mouth. “I’m going to toss the coin in regardless.” Daisy cursed herself. Even though it was obvious he was mocking her, she could not resist. A wish was not something that should be wasted, especially a five-dollar wish. Drat! She approached the well and said curtly, “First hold the coin in your palm until it’s warm from your hand.” Swift came to stand beside her. “And then?” “Close your eyes and concentrate on the thing you want most.” She let a scornful note enter her voice. “And it has to be a personal wish. It can’t be about something like mergers or banking trusts.” “I do think about things other than business affairs.” Daisy gave him a skeptical glance, and he astonished her with a brief smile. Had she ever seen him smile before? Perhaps once or twice. She had a vague past memory of such an occasion, when his face had been so gaunt that all she had received was an impression of white teeth fixed in a grimace that owed little to any feeling of good cheer. But this smile was just a bit off-center, which made it disarming and tantalizing…a flash of warmth that made her wonder exactly what kind of man lurked behind his sober exterior. Daisy was profoundly relieved when the smile disappeared and he was back to his usual stone-faced self. “Close your eyes,” she reminded him. “Put everything out of your mind except the wish.” His heavy lashes fell shut, giving her the chance to stare at him without having him stare back. It was not the sort of face a boy could wear comfortably…the features were too strong-boned, the nose too long, the jaw obstinate. But Swift had finally grown into his looks. The austere angles of his face had been softened by extravagant sweeps of black lashes and a wide mouth that hinted of sensuality. “What now?” he murmured, his eyes still closed. Staring at him, Daisy was horrified by the impulse that surged through her…to step nearer and explore the tanned skin of his cheeks with her fingertips. “When an image is fixed in your mind,” she managed to say, “open your eyes and toss the coin into the well.” His lashes lifted to reveal eyes as bright as fire trapped in blue glass. Without glancing at the well, he threw the coin right into the center of it.

Amelia went to a built-in bookshelf and inspected the volumes as she asked idly, “Why is it, do you think, that Mr. Rohan was reluctant to take money from Lord Selway?” Merripen cast a sardonic glance over his shoulder. “You know how the Rom feel about material possessions.” “Yes, I know your people don’t like to be encumbered. But from what I’ve seen, Romas are hardly reluctant to accept a few coins in return for a service.” “It’s more than not wanting to be encumbered. For a chal to be in this position—” “What’s a chal?” “A son of the Rom. For a chal to wear such fine clothes, to stay under one roof so long, to reap such financial bounty … it’s shameful. Embarrassing. Contrary to his nature.” He was so stern and certain of himself, Amelia couldn’t resist teasing him a little. “And what’s your excuse, Merripen? You’ve stayed under the Hathaway roof for an awfully long time.” “That’s different. For one thing, there’s no profit in living with you.” Amelia laughed. “For another…” Merripen’s voice softened. “I owe my life to your family.” Amelia felt a surge of affection as she stared at his unyielding profile. “What a spoilsport,” she said gently. “I try to mock you, and you ruin the moment with sincerity. You know you’re not obligated to stay, dear friend. You’ve repaid your debt to us a thousand times over.” Merripen shook his head immediately. “It would be like leaving a nest of plover chicks with a fox nearby.” “We’re not as helpless as all that,” she protested. “I’m perfectly capable of taking care of the family … and so is Leo. When he’s sober.” “When would that be?” His bland tone made the question all the more sarcastic

He bows to the two of us, and when he speaks, his voice fills the room, far louder and more booming than a voice should be before noon. “I intend to ride the estate today, if you two would like to join me.” I open my mouth to give him a quick, No thanks, I’d rather pull out my own hair, but Emily beats me to it. “How kind of you to offer! We would love to.” Huh? I can’t figure out why Emily doesn’t hate Alex. He’s a jerk and he’s done nothing to help her out of her engagement. And now she’s volunteering to hang out with him? An excuse…I need some kind of excuse to get out of this. Alex walks to the window and looks out, offering a rather flattering view of the back of his riding pants. “Did you enjoy the dance last evening?” Is he making small talk? That’s a first. “Yes, very much so,” Emily says. “It was delightful.” I nod. “Yeah. I guess so.” I won’t say I had fun because I don’t want him to get the wrong idea. I don’t want him to know dancing with him was the most exciting part of my evening and the most agonizingly long half hour of my life. Alex looks at me for a long silent moment. You’d think he’d bring up the big “lady” versus “miss” debacle. Or just that we’d danced. But he doesn’t. “Yes, I rather enjoyed myself as well,” he says. Seriously, what does that mean? I was the only girl he danced with. The entire night. Is he trying to tell me something? Ha. Right. He probably means that it was all sorts of fun to insult me. And that’s when Emily starts rubbing her temple. She sets her needlepoint down and frowns, massaging in circular motions on the side of her face. Oh, no, she’s not-- “Dear cousin, I am coming down with a headache. Perhaps you and Rebecca ought to ride without me.” I get a twinge when I hear Rebecca. Every day it feels more like we’re friends--and more like I’m betraying her. And then she turns to me, knowing Alex can’t see her, and winks. “Oh, no, I--” I start to say, because I suddenly realize what she’s trying to do. This can not happen. A horseback ride alone with Alex? No thank you! But Alex cuts in before I can stop her. “Yes, I would not have you overexerting yourself. We shall check on you when we return.” Okay, this is not how I want to spend my afternoon. Alone with Alex? I’d rather get a root canal. But…maybe it’s my chance to talk to him about Emily. Maybe he doesn’t know about Trent. Emily said Trent was wealthy, right? He’s not titled, but he has money. If Alex knew about him…maybe he would get Emily off the hook with Denworth. Maybe that’s why Emily is trying to arrange for me to spend time with Alex. She so owes me after this. I can do this. I can hang out with him for a couple hours--long enough to talk him into helping us. Emily jumps up from her chair far too quickly for someone with a headache and leaves the room before I can do anything. I rub my eyes. It’s going to be a long afternoon.

Table of Contents Things About House For Rent Barrie Excitement About House For Rent Barrie The 15 Second Trick For House For Rent Barrie If you're looking to move into a home that's not going to be taken over by an estate agent, then you should seriously consider taking a house for rent to stay. There are many reasons why you might want to rent a home rather than staying in your own. Perhaps you've just bought a house and you're trying to find somewhere to stay before you move in. Maybe you're simply on holiday and need somewhere to stay until you're back at home. Things About House For Rent Barrie There are many things to think about when you are considering renting a house instead of buying one. Before you decide whether or not you want to rent a house, you will need to consider what you'll be doing in the house for the majority of your stay. Will you be living alone, with a friend or partner or as a couple? How long do you want to stay in the house to avoid being tempted to move away once your new home is complete? The main reason why you might want to rent a house instead of buying it is because you can save money in the process. You won't have to spend months paying rent, or put down a deposit, or arrange for an insurance policy or rental repayments to take care of everything in the event that you move out. With the economy currently, people don't like to have to spend money, but they also like to save money. If you live in Barrie, then this will be an ideal place to rent a house to live for most of the year. Although you may have to pay some sort of rent during the summer months, and during the colder months you may have to find some other way to pay the costs involved in staying there. Most people who rent a house often decide to move back into their own homes once the lease on the property is up. However, they often find that moving back in isn't as easy or comfortable as when they first moved into the home. So, they choose to take a house to rent to stay for a few months, until they're back in their own home. Renting a house is also a great way to get a place to work in London. Because London is so popular, there are many people working in various different places all across the city, and they are not all living in one place. A house to rent to stay in is a convenient option for many people, and it allows them to work from home. This way they will be able to continue to work, pay their bills and other expenses at home, but still have access to other activities throughout London. Excitement About House For Rent Barrie When you are thinking about taking a house to rent to live in, there are also a number of benefits for you. First, you won't have to put up with the expense of all the costs that go along with having a property to rent and buying a property. Even if you do want to buy a property you may be able to buy it cheaper. The other benefit to owning a home is that you'll be able to easily get a tax return back on the money you have saved by taking on a house to let in Barrie. Although not all landlords give out tax returns on the money you owe them, it is worth asking. The truth is that more people are choosing to rent out their homes to tenants, and this gives them an opportunity to help themselves to some of that money.

When the price is going lower, you owe 100 shares to your broker (it probably shows as -100 shares in your account), which means you must return 100 shares of Apple to your broker. Your broker doesn’t want your money; they want their shares back.

Ain't nobody asked you to tell the truth, go on and lie like everybody else!" she said with a twinkle in her eye as she carefully combed a white foaming substance through a dubious customer's hair. "What you doing coming in here so late? You're lucky you don't have to work like everybody else. Some heifers have all the luck! This lady is a detective. A bona-fide private eye," she added, waving her comb in my direction to her customer held captive. "If somebody owes you money or hats with your last half-dollar, this here's the sister to track them down." I acknowledged her compliment with a nod, and the customer looked me over with renewed respect.

Y'all know that little gal Kelly Crawford that works down at Tuckers?" Tuckers Jiffy Lube was the only gas station and mechanical shop in town. Jena Lynn's face contorted in disapproval. "You referring to that scantily clad girl who runs the register?" I asked as Jena Lynn hopped up to retrieve the coffeepot. "That's the one." Betsy curled up her lip in disgust. "That girl is barely legal!" I was outraged. "I know! I'm going to tell her granny. She'll take a hickory switch to the girl when she finds out what she's been up to. She was all over Darnell." Betsy wiped her nose with the back of her hand. She was right about that. Her granny wasn't the type to spare the rod; she parented old-school style. Jena Lynn's tone rose as she stirred raw sugar into her coffee. "You caught them?" "Well, I called him after what happened with poor Mr. Ledbetter---" We shook our heads. "---told him I was going to be late 'cause I was taking that extra shift. Guess he thought late meant real late 'cause when I got home, they we're rootin' around on my couch, the one my meemaw gave me last spring when she had her house redecorated." We sat in stunned silence. "I threw his junk out last night. And when he still didn't budge from the TV"---she paused for effect---"I set it all on fire, right there in the front yard." She leaned back and crossed her arms over her expansive chest. "That's harsh." Sam stacked his empty plates. "Maybe it wasn't Darnell's fault." Jena Lynn and I gave him a disapproving glare. He appeared oblivious to his offense, and the moron had the audacity to reach into the container for a cream cheese Danish. "Sam, if you value that scrawny hand of yours, I'd pull it out real slow or you'll be drawing back a nub," Betsy warned. "Sheesh!" Sam jerked backward. It was obvious he didn't doubt her for a second. He marched toward the kitchen and dropped the plates in the bus tub with a loud thud. "He should know better. You don't touch a gal's comfort food in a time of crisis," I said, and my sister nodded in agreement. Jena Lynn patted Betsy on the arm. "Ignore him, Bets. He's a man." I stood. "And if I may be so bold as to speak for all the women of the world who have been unfortunate enough to be in your shoes, we applaud you." A satisfied smile spread across Betsy's lips. "Thank you." She took a little bow. "That's why my eyes look like they do. Smoke got to me." She leaned in closer. "I threw all his high school football trophies into the blaze while he was hollering at me. The whole neighborhood came out to watch." I chuckled. The thought of Darnell Fryer running around watching all his belongings go up in smoke was hilarious. I wished I'd been there. "Did anyone try to step in and help Darnell?" "Hell nah. He owes his buddies so much money from borrowing to pay his gambling debts, the ones that came out brought their camping chairs and watched the show while tossing back a few cold ones." She got up from the counter to scoop a glass full of ice and filled it with Diet Coke from the fountain. "Y'all, I gotta lose this weight now I'm back on the market." Betsy was one of a kind.

throughout my life, using skills or talents or a person’s raw physical power to help them rise to the top of their society came and went. In the beginning, it was the strength in their arms to swing their swords. Then the tongue to sway large groups to accomplish something together. It became those who developed the sciences, and then—to a degree—it was those again who had physical prowess and could run or shoot a ball into a hoop. Yet, it was those who produced the food, built the homes, protected society, or taught the children or young adults who often weren’t supported. They would do their jobs, punch their time cards, and do what needed to get done to keep society going. My suggestion is to consider all work—if done well—equal. Government needs to be in place, but we’ll require some form of service as your debt to society. Perhaps you are a musician but can test into working with an R&D lab in the future. Can that be your service?” “That,” Bethany Anne replied, “could be a nightmare. Just think about the ongoing effort for some of Jean Dukes’ stuff. There’s no way we could place a person into a project for two weeks and then they leave.” Michael tapped a finger on the table. “I understand. However, let me give you a quote from a worker to Jack Welch.” “Who?” Peter interrupted. Stephen answered, “Jack Welch. He was the CEO of General Electric—GE—back on Earth in the twentieth century.” Michael continued, “He was talking to the assembly line workers at one of their businesses and one of the men spoke up, telling Welch that ‘for twenty-five years you paid for my hands when you could have had my brain as well for nothing.’” The table was quiet a moment, thinking about that. Peter was the first to break it. “Makes sense. We use that concept in the Guardians all the time. Everyone has a role to play, but if you have ideas you need to speak up.” “It would,” Addix added, “allow those interacting to bring new ways of thinking to perhaps old and worn-out strategies.” “What about those who truly hated the notion?” Stephen asked. “I can think of a few.” “I’m tempted to say ‘fuck ‘em.’” Bethany Anne snorted. “However, I know people, and they might fuck up the works. What about a ten-percent charge of their annual wealth if they wish to forego service?” “Two weeks,” Michael interjected, “is at best four percent of their time.” “Right,” Bethany Anne agreed, “so I’d suggest they do the two weeks. But if they want to they can lose ten percent of their annual wealth—which is not their annual income, because that shit can be hidden.” The Admiral asked, “So a billionaire who technically made nothing during the year would owe a hundred million to get out of two weeks’ service?” “Right,” Bethany Anne agreed. “And someone with fifty thousand owes five thousand.” “Where does the money go?” Peter asked. Admiral Thomas grinned. “I suggest the military.” “Education?” Peter asked. “It’s just a suggestion, because that is what we are talking about.” Stephen scratched his chin. “I can imagine large corporations putting income packages together for their upper-level executives to pay for this.” “I suggest,” Bethany Anne added, “putting the names of those who opt out on a public list so everyone knows who isn’t working.” “What about sickness, or a family illness they need to deal with?” Stephen countered. “With Pod-docs we shouldn’t have that issue, but there would have to be some sort of schedule. Further, we will always have public projects. There are always roads to be built, gardens to be tended, or military

I was fatherless. And that seemingly small part of my identity, in many ways, molded an orphan heart in me. When I encountered love my orphan heart rejected it because it felt like the smartest thing to do. My philosophy was They will reject me, so I will reject them first. They don’t get to hurt me. I did this often. I intended never to owe anyone a kindness I couldn’t pay back. I stayed ’out of the way.’ I did my best not to cost anyone anything. I was suspicious of gifts. What do they want? What are they trying to pull? How are they trying to trap me? I thought. I couldn’t imagine I was worth anyone’s time, money, pain, or inconvenience. I didn’t see myself as a blessing, so how could I trust in unconditional love? When you see yourself as a burden, nothing is free—especially love.

This Gospel is easy to misunderstand. Jesus is not praising dishonesty. The unjust manager misused his master’s money in the past and continued to misuse it in the present when on his own authority he lowered the amount his master’s debtors owed to the master. But Jesus praises him for two things: first, for being clever on a worldly level (he notes that the worldly are more enterprising and clever about money than the otherworldly are), and second, for using money for a higher purpose than making more money—that is, for making friends. He lost his friendship with his master over money, so he used money to make new friends—namely, his master’s debtors. Jesus then says that this little worldly thing, the enterprising use of money, is an indication of a greater thing, the use of greater things, and that people who can be trusted to take care of this lesser thing, money, can also be trusted to take care of greater things than money. But then, at the end, he adds that not only are there greater things than money even in this life, such as friendship; there are much greater things in the next world and in our relationship to God. In fact, he says that it is impossible for anyone to have two gods, two masters, two greatest goods, two final ends and goals in life. You cannot give your single self to a double end, God and money. You either love God for his own sake and refuse to serve money and all the things money can buy, demoting it to a mere relative and instrumental means to that one ultimate end; or, you love money and the things money can buy in this world as your final end, your greatest good, your god, and you despise and demote God and the things of God to mere means to this other thing. Jesus is reminding us of what he calls the very first and greatest of all the commandments: to love the Lord your God with your whole heart and soul and strength—and also with your mind, that clever mind that the fired manager used as a means to the higher end of worldly friendships and that you also ought to use for the higher end of your friendship with God. After all, God created it all and owns it all, and you are only the manager of a tiny portion of his goods. It all belongs to God, not to you. No matter what you give to God—your money, your stuff, your time, your life—you are only returning to him what is his.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

As there can be no causeless wealth, so there can be no causeless love or any sort of causeless emotion. An emotion is a response to a fact of reality, an estimate dictated by your standards. To love is to value. The man who tells you that it is possible to value without values, to love those whom you appraise as worthless, is the man who tells you that it is possible to grow rich by consuming without producing and that paper money is as valuable as gold. “Observe that he does not expect you to feel a causeless fear. When his kind get into power, they are expert at contriving means of terror, at giving you ample cause to feel the fear by which they desire to rule you. But when it comes to love, the highest of emotions, you permit them to shriek at you accusingly that you are a moral delinquent if you’re incapable of feeling causeless love. When a man feels fear without reason, you call him to the attention of a psychiatrist; you are not so careful to protect the meaning, the nature and the dignity of love. “Love is the expression of one’s values, the greatest reward you can earn for the moral qualities you have achieved in your character and person, the emotional price paid by one man for the joy he receives from the virtues of another. Your morality demands that you divorce your love from values and hand it down to any vagrant; not as response to his worth, but as response to his need, not as reward, but as alms, not as a payment for virtues, but as a blank check on vices. Your morality tells you that the purpose of love is to set you free of the bonds of morality, that love is superior to moral judgment; that true love transcends, forgives and survives every manner of evil in its object, and the greater the love the greater the depravity it permits to the loved. To love a man for his virtues is paltry and human, it tells you; to love him for his flaws is divine. To love those who are worthy of it is self-interest; to love the unworthy is sacrifice. You owe your love to those who don’t deserve it, and the less they deserve it, the more love you owe them—the more loathsome the object, the nobler your love—the more unfastidious your love, the greater the virtue—and if you can bring your soul to the state of a dump heap that welcomes anything on equal terms, if you can cease to value moral values, you have achieved the state of moral perfection.

When you buy an airplane ticket, the airline charges your credit card immediately, even if you are not planning to fly for another three weeks. Accountants call such funds deferred revenue. Because of its name, deferred revenue sounds like something we should discuss in this chapter. Deferred revenue is indeed related to revenue—it will turn into revenue eventually—but it does not belong here. Remember the GAAP principle of conservatism? It says, in part, that revenue should be recognized when (and only when) it is actually earned. Deferred revenue is money that has come in but is as yet unearned. So it can’t go into the income statement. Instead, accountants put deferred revenue on the balance sheet as a liability—that is, an amount that the company owes to somebody else. In the example, the airline owes you a flight. We’ll discuss deferred revenue further in part 3

When Lane refused to sell to Don Tyson in 1982, Blair got creative. He bought the $10 million bond note, which was backed by Valmac’s stock. Clift Lane quickly discovered that not only did he owe an unholy amount of money, but he now owed it to Don Tyson. And Don Tyson was about as gracious about the debt as Lane expected: He immediately tried to foreclose on him. By calling in the loan, Don Tyson would win ownership of the stock that backed it, giving him de facto ownership of the company. Lane fought the foreclosure in court, then stealthily flew to North Carolina and declared bankruptcy, defaulting on the $10 million bond. Blair argued in court that Tyson should still have rights to Valmac, but Lane managed to sell the company out from under them to a Texas investment firm called Bass Brothers Enterprises in 1983. Don Tyson and Jim Blair had lost the battle for Valmac. It was a defeat that lasted all of thirty days. Don scrutinized the Bass brothers’ investments and then called Jim. He thought the Basses would sell Valmac for the right price. — You know, the Bass brothers are doing a deal with Disney, and they need money. They don’t know what they’ve got here. We better buy that before they know what they’ve got. Blair was stunned when Tyson told him the offer price: $30 per share. It was more than a third higher than what the Bass brothers had paid, and nearly double the price Tyson had originally offered. Blair thought the price was far too high, and it would mire Tyson in a money-losing venture. — Trust me. I know it’s worth more than that, Don Tyson told him. Not surprisingly, Bass Brothers Enterprises was willing to let Valmac go at the seemingly exorbitant price. Don Tyson and Jim Blair flew to Fort Worth to sign the papers, closing the deal in September 1984. Don excused himself from the meeting early, leaving Blair behind to iron out the details, and took his private plane for a flying tour so he could look down on the new Valmac plants he had just acquired.

SEP-IRA (Self-Employment IRA) Another kind of IRA. As with a traditional IRA, you pay the taxes you owe when you withdraw money—for instance, at retirement age. Made for solopreneurs or companies with a few employees. If you side hustle, you can have a SEP in addition to a trad/Roth IRA and a 401(k), even if you do not work full-time for yourself. This is one of the biggest reasons I was able to hit my $100K goal. Take those tax-advantaged accounts and contribute as much as you can. Maximum yearly contribution: 25 percent of your income, up to $61,000. Solo 401(K) Similar to the employer-sponsored 401(k) plan, except that you’re your own sponsor! You can have a Roth and/or traditional IRA in addition to a solo 401(k). This is an option only if you’re self-employed full-time, and you cannot have both a SEP-IRA and a solo 401(k). Maximum yearly contribution: $20,500.

True knowledge results in effective action,” as Charles Koch liked to say. Pouring money into a failing business venture like Purina Mills would not change the market’s verdict. Doing so would only steer that money away from other ventures where it could be more profitably invested. It was better to let the thing die, no matter the short-term pain that might be inflicted. This was one of the principles of Market-Based Management. What good were principles if you abandoned them when tested? In late August of 1999, Koch Industries informed Purina that it would get no extra money from Wichita. Koch owed Purina nothing. Soon after, Purina failed to pay $15.75 million in interest expenses that were due. Two weeks later, it failed to pay $2.1 million in principal payments. When Purina blew through its payment dates and became delinquent, it set off a cataclysmic chain of events. The banks accelerated their payment demands rather than giving Purina more breathing room. The lenders were desperate to get whatever money they could while the firm was still solvent. The frenzy only ended on October 28, when Purina filed for bankruptcy.

God forbid that I should ever be out of debt!” Debt is, in fact, the very basis of his philosophy: Always owe somebody something, then he will be forever praying God to grant you a good, long and blessed life. Fearing to lose what you owe him, he will always be saying good things about you in every sort of company; he will be constantly acquiring new lenders for you, so that you can borrow to pay him back, filling his ditch with other men’s spoil.66 Above all else, they will always be praying that you come into money. It’s like those ancient slaves destined to be sacrificed at their masters’ funerals. When they wished their master long life and good health, they genuinely meant it! What’s more, debt can make you into a kind of god, who can make something (money, well-wishing creditors) out of absolutely nothing. Worse still: I give myself to bonnie Saint Bobelin if all my life I have not reckoned debts to be, as it were, a connection and colligation between Heaven and Earth (uniquely preserving the lineage of Man without which, I say, all human beings would soon perish) and perhaps to be that great World Soul which, according to the Academics, gives life to all things.

When individuals form a business, they generally take a risk saying, “I’ll combine your efforts with the efforts of others and create something of greater value than you can do individually. If I’m wrong, I’ll still owe you for your effort. If I’m right, we create disproportionate value and I’ll keep a return for doing that.” Any shareholder who puts something of value into the business (money, know-how, sweat equity) expects to get a return of value for putting that in. However, a key is that return is at risk because until they create value for others as defined by others, they have no value to extract or return.

I know that you are indentured to your master—that you still owe him a good deal of money before you are free to live your own life. He’s making you pay back a fortune that he forced you to borrow.” He squeezed her hand before approaching one of three trunks pushed against the wall. “For saving my life—and sparing hers.” “When you give your master his letter, also give him this. And tell him that in the Red Desert, we do not abuse our disciples.” Celaena smiled slowly. “I think I can manage that.

Calls are super-juiced investments that allow you to control a lot of stock with much less money than you would need to buy the stock itself. Until you have to take delivery you can trade the value of the option, which goes up if the underlying goes up. There comes a time when option have to be exercised, though, and if the stock doesn't go up in the interim you lose everything. You don't buy calls to hold them. Owing to the volatility, you have to trade them, and trade them constantly. They are addictive and when you are right they can make you money with greater velocity than any other bet on earth. 21 If you have a edge, you have to be willing to bet the house on it. 31

A Harlot Crashes the Party A very “nice” man named Simon, a Pharisee, brought Jesus to dinner at his home in Capernaum (Luke 5). As they were reclining around the table, a woman known to be a harlot somehow came in, bringing with her an expensive flask of perfumed lotion. She certainly had overheard Jesus teaching and had seen his care for others. She was moved to believe that she too was loved by him and by the heavenly Father of whom he spoke. She was seized by a transforming conviction, an overwhelming faith. Suddenly there she was, down on the floor by Jesus, tears of gratitude for him pouring down upon his feet. Drying them away with her hair, she then rained kisses upon his feet and massaged them with the lotion. What a scene! That nice man, Simon, was taking it in, and—no doubt battling a surge of disapproval—he tried to put the best possible construction on it. It just could not be that Jesus wasn’t nice. Clearly he was a righteous man. So the only reason he would be letting this woman touch him, or even come near him, was that he didn’t know she was a prostitute. And that, unfortunately, proved that Jesus didn’t have “it” after all. “If this fellow really were a prophet,” Simon mused, “he would know what this woman does, for she is filthy.” Perhaps Simon consoled himself with the thought that it is at least no sin not to be a prophet. It never occurred to him that Jesus would know exactly who the woman was and yet let her touch him. But Jesus did know, and he also knew what Simon was thinking. So he told him a story of a man who lent money to two people: $50,000 to one and $5 to the other, let us say. When they could not repay, the man simply forgave the debts. “Now Simon,” Jesus asked, “which one will love the man most?” Simon replied that it would be the one who had owed most. That granted, Jesus positioned Simon and the streetwalker side by side to compare their hearts: “Look at this woman,” he said. “When I entered your home, you didn’t bother to offer me water to wash the dust from my feet, but she has washed them with her tears and wiped them with her hair. You refused me the customary kiss of greeting, but she has kissed my feet again and again from the time I first came in. You neglected the usual courtesy of olive oil to anoint my head, but she has covered my feet with rare perfume. Therefore her sins—and they are many—are forgiven, for she loved me much; but one who is forgiven little, shows little love.” (Luke 7:44–47 LB) “Loved me much!” Simply that, and not the customary proprieties, was now the key of entry into the rule of God.

I’m tired of this place. Going with these guys when they leave so thought I’d start off my employment with an act of goodwill.” The doors open and the night air streams in, cooling the lobby. “I’ll help myself to the money in Ray’s apartment you owe me. Don’t think you’ll be needing it anymore,” Ollie shouts after them as they’re shoved outside.

Mom also believed that there is such a thing as a good secret. Maybe something kind you did for someone but didn’t want that person to know, because you didn’t want him to be embarrassed or feel as though he owed you anything. I thought back to a Harvard student of Mom’s, an aspiring playwright who won an award to travel in Europe—but the award didn’t exist. Mom had simply paid, anonymously, for him to have enough money to go on what turned out to be a life-changing trip. I write about this only because I was told that years later this fellow figured it all out, when he went to research who else had won this lucrative traveling fellowship and discovered that the answer was no one. As

My Everest story would be incomplete if I didn’t give final credit to the Sherpas who had risked their lives alongside us every day. Pasang and Ang-Sering still climb together as best friends, under the direction of their Sirdar boss--Kami. The Khumba Icefall specialist, Nima, still carries out his brave task in the jumbled ice maze at the foot of the mountain: repairing and fixing the route through. Babu Chiri, who so bravely helped Mick when he ran out of oxygen under the South Summit, was tragically killed in a crevasse in the Western Cwm several years later. He was a Sherpa of many years’ Everest experience, and was truly one of the mountain’s greats. It was a huge loss to the mountaineering fraternity. But if you play the odds long enough you will eventually lose. That is the harsh reality of high-altitude mountaineering. You can’t keep on top of the world forever. Geoffrey returned to the army, and Neil to his business. His toes never regained their feeling, but he avoided having them amputated. But as they say, Everest always charges some sort of a price, and in his own words--he got lucky. As for Mick, he describes his time on Everest well: “In the three months I was away, I was both happier than ever before, and more scared than I ever hope to be again.” Ha. That’s also high-altitude mountaineering for you. Thengba, my friend, with whom I spent so much time alone at camp two, was finally given a hearing aid by Henry. Now, for the first time, he can hear properly. Despite our different worlds, we shared a common bond with these wonderful Sherpa men--a friendship that was forged by an extraordinary mountain. Once, when the climber Julius Kugy was asked what sort of person a mountaineer should be, he replied: “Truthful, distinguished, and modest.” All these Sherpas epitomize this. I made the top with them, and because of their help, I owe them more than I can say. The great Everest writer Walt Unsworth, in his book Everest: The Mountaineering History, gives a vivid description of the characters of the men and women who pit their all on the mountain. I think it is bang on the money: But there are men for whom the unattainable has a special attraction. Usually they are not experts: their ambitions and fantasies are strong enough to brush aside the doubts which more cautious men might have. Determination and faith are their strongest weapons. At best such men are regarded as eccentric; at worst, mad… Three things they all had in common: faith in themselves, great determination, and endurance. If I had to sum up what happened on that journey for me, from the hospital bed to the summit of the world, I tend to think of it as a stumbling journey. Of losing my confidence and my strength--then refinding it. Of seeing my hope and my faith slip away--and then having them rekindled. Ultimately, if I had to pass on one message to my children it would be this: Fortune favors the brave. Most of the time.

Wiremu tried shoving the handful of notes into his trouser pocket. The movement did not go unnoticed. ‘I have no other debt with you and, as I said, I was just leaving,’ Wiremu said, getting up to leave. Jowl reached out, clasping the smaller man on his arm, digging his fingers in, dragging Wiremu back into his seat. ‘The thing is, Mister Kepa — oh yes, I know who you are. I’ve heard all about you. I know more about you than your mother does. See, you interfered with my family business, and the Jowl brothers don’t take kindly to others interfering in our business. We’re good churchgoing folk who abide by the word of Lord Jesus our Saviour, but we also need money to live, to follow the word of God. And when you owe the Jowl brothers, you pay the debt. You, sir, are well overdue on paying what you owe.’ Wiremu looked around the bar, trying to catch the eye of anyone watching, hoping they’d intervene, but no one would meet his eye. Since Jowl had sat at his table, most of the other patrons had decided they had things to do elsewhere. The room was almost empty. No one would help him; he was on his own. Resigned to his fate, Wiremu replied, ‘Fine. How much do I owe you?’ ‘You owe me for the bottles of liquor which smashed, two shillings ought to deal with that.’ Wiremu exhaled in relief. Two shillings was fine, it left him enough for the trip down country. He thrust his hand into his pocket and pulled out the cash. Joe changed his grip to Wiremu’s wrist, ‘I said two shillings would cover the bottles which were broke, but that won’t cover the loss of the girl.’ Wiremu frowned, ‘What

The men know there’s no leave this first week-end. But there’s a chap here wants to make a special application for leave. Personal grounds, he says. I told him no show, but he has asked to see you. Determined sort of beggar.’ ‘All right,’ the Colonel said. ‘The sooner I get to know them the better. Send him in. Who is he, anyway?’ ‘His name’s Upham. In A Company. I’ll get him.’ Charles Upham was brought in, uneasy at the formality of his intrusion. ‘All right, stand at ease, Upham,’ Kippenberger said. ‘The R.S.M. tells me you are asking for leave. There’s no leave being granted, you know, except in special circumstances. What’s your trouble?’ ‘Well,’ Upham replied hesitantly, ‘it’s not exactly trouble. I just want to get leave for personal reasons.’ And he looked straight ahead at the wall behind Kippenberger’s head. Adjutant Davis studied the man as he stood there. Rather an unkempt individual, he thought. Hardly the usual product of Christ’s College. A rugged-looking face. He noticed the eyes too—intense, rather chilling eyes. The C.O. said: ‘Well, I’m sorry, Upham, but you’ll have to tell me the personal reasons before I can consider it. What’s the matter?’ Upham hesitated again; then spoke suddenly: ‘I want to give a chap a hiding; that’s all.’ There was a short, rather surprised pause. Kippenberger found it necessary to adopt a more than usually solemn tone to control his startled amusement. ‘I think that’s the first time I’ve heard that one,’ he said. ‘But go on, Upham. Tell me more about it.’ Upham turned his eyes on the Colonel. ‘I sold a man a car,’ he said. ‘He owes me £12 10s. on it and he says he’s not going to pay it. If I don’t get my money I’m going to take it out of his hide.’ The Colonel looked interested. ‘Do you know where he is?’ Yes, at the Grosvenor Hotel in Timaru.’ Kippenberger looked hard at Upham. Then he decided. ‘Yes, Upham,’ he said, ‘you can have your leave. There’ll be only one tag to it—when you get back I want you to report personally to me. Understand?’ Upham nodded shortly. ‘Yes, sir. And thank you, sir.’ R.S.M. Steele marched him out. Kippenberger chuckled, then thumbed through the cards again till he found Upham’s. He re-read the details on it. ‘You know,’ he said to Davis, ‘that chap’s got something. But he’s not a bit like his father. Old Johnny Upham is a very respectable sort of family lawyer. This chap looks as if he’d be happier in the mountains than a lawyer’s office.

are constantly taking transient experiences, cramming them into prearranged slots, turning discontinuity into continuity, and making solid what is actually fluid. The technical term for what’s happening is reification—giving immaterial experiences “thingness.” So convincing is this transformation that rocks seem solid and heavy when, in fact, your mind reified them—you have created solidity and heaviness in your own awareness. This constitutes another outrageous conclusion to anyone who is out to reinforce and reaffirm the spell/dream/illusion. But you cannot thaw out the “thingness” of the physical world unless you break down the process that created it. I’m hesitant to use any kind of jargon, but we need to delve into how reification works. The dictionary definition of reify is “to make something more concrete or real.” The mental image of money gets reified into a dollar bill, which you can fold up and stick in your wallet. “Parenting” gets reified when you decide to have a baby you can hold in your arms. What’s earthshaking is that virtual reality owes its existence entirely to reification. The web of connections that entangles everything in the spell/dream/ illusion with everything else comes down to the mind, because connections are mind-made. No object is actually a physical thing, pure and simple. “Object” and “thing” and “physical” are strands of a mental web. People find it relatively easy to accept that a piece of paper currency is the reified form of a concept (money), but they balk when they are told that the same is true of body, brain, and universe. The key is to

Jane Says" Jane says I'm done with Sergio He treat me like a rag-doll She hides The television Says I don't owe him nothing, But if he come back again Tell him, wait right here for me Or Try again tomorrow I'm gonna kick tomorrow I'm gonna kick tomorrow She get mad and she start to cry She take a swing man She can't hit She don't mean no harm She just don't know (Don't know, don't know) What else to do about it Jane says Have you seen my wig around? I feel naked without it She knows They all want her to go But that's O.K. man She don't like them anyway Jane says I'm going away to Spain When I get my money saved I'm gonna start tomorrow I'm gonna kick tomorrow I'm gonna kick tomorrow Jane goes To the store at 8:00 She walks up on St. Andrew's She waits And gets her dinner there She pulls her dinner From her pocket Jane says I ain't never been in love I don't know what it is She only knows if someone wants her I wonder if they want me I only know they want me She gets mad And she starts to cry She takes a swing man She can't hit! She don't mean no harm She just don't know (Don't know, don't know) What else to do about it Jane says Jane says Jane's Addiction, Jane's Addiction (1987)

Nick implied the job pays crap, so they can’t expect me to be some sort of art professor, right?” She paused when the bartender appeared with a bottle of beer and a slender fluted glass of champagne. The bubbles streaming upward through the pale liquid reminded him of Emma’s personality: round and fizzy, rising as high as they could go. He felt like shit. “Of course, I still need to find a place to live,” Emma said after taking a sip of her drink. “But as long as I have a place to work, I’m good. I can always buy a tent.” “You don’t have to buy a tent,” he said curtly. “Just joking.” She reached across the table and gave his hand a gentle squeeze. “But at least now I don’t have to worry about finding a place to live where I can also work.” He drank some beer straight from the bottle, relishing its sour flavor. Closing his eyes, he pictured that small, windowless room in the community center, its linoleum floor, its cinderblock walls, its sheer ugliness. She was thrilled because she thought it was her only option. But it wasn’t. “Look, Emma—if you want, I’ll take my house off the market. I don’t have to get rid of it. If you want to continue to live there…” She’d raised her champagne flute to her lips, but his words clearly startled her enough to make her lower the glass and gape at him. “But you came to Brogan’s Point to sell the house.” “It can wait.” “And I can’t keep teaching there. You said so yourself. There are those nasty zoning laws. And insurance issues, and liability. All that legal stuff.” She pressed her lips together, effectively smothering her radiant smile. “Taking the room at the community center means I’ll be able to teach there this summer in Nick’s program. So I’ll earn a little more money and maybe make contact with more people who might want to commission Dream Portraits.” She shook her head. “I can make it work.” “You could make it work in my house, too. Stay. Stay as long as you want. We’re not a landlord and tenant anymore. We’ve gone beyond that, haven’t we?” She stared at him, suddenly wary. “What do you mean?” He wasn’t sure what was troubling her. “Emma. We’ve made love. Several times.” Several spectacular times, he wanted to add. “You can stay on in the house. Forget about the rent. That’s the least I owe you.” Her expression went from wary to deflated, from deflated to suspicious. Her voice was cool, barely an inch from icy. “You don’t owe me anything, Max—unless you want to pay me for your portrait. I can’t calculate the cost until I figure out what the painting will…entail.” She seemed to trip over that last word, for some reason. “But as far as the house… I don’t need you to do that.” “Do what? Take it off sale? It isn’t even on sale yet.” “You don’t have to let me stay on in the house because we had sex. I didn’t make love with you because I wanted something in return. You don’t owe me anything.” She sighed again. The fireworks vanished from her eyes, extinguished

When you leave tomorrow, you’ll be accompanied by a few of my people.” “Why?” “Because they will be needed to drive the wagon to Xandria. I know that you are indentured to your master—that you still owe him a good deal of money before you are free to live your own life. He’s making you pay back a fortune that he forced you to borrow.” He squeezed her hand before approaching one of three trunks pushed against the wall. “For saving my life—and sparing hers.” He flipped open the lid of a trunk, then another, and another. Sunlight gleamed on the gold inside, reflecting through the room like light on water. All that gold … and the piece of Spidersilk the merchant had given her … she couldn’t think of the possibilities that wealth would open to her, not right now. “When you give your master his letter, also give him this. And tell him that in the Red Desert, we do not abuse our disciples.” Celaena smiled slowly. “I think I can manage that.” She looked to the open window, to the world beyond. For the first time in a long while, she heard the song of a northern wind, calling her home. And she was not afraid.

But no matter how tough a filming day can be, I’m grateful, and I look at it as getting paid to have dinner with my family. I am blessed. I’ve also realized, now that I’ve been blessed with a good paycheck, that I think I’m like my dad, and I really don’t care about money so much. It doesn’t make you happy. I had a great childhood, and I never even had my own bedroom. What does make you happy is doing for other people. Whether it’s taking fresh deer meat or ducks to some neighbors in need down the road or flying down to the Dominican Republic to help build an orphanage, it’s people that matter, not money. When I went to the Caribbean with Korie a while back to help build the orphanage, I came with bags full of new Hanes underwear and T-shirts. When I handed out those little packages, worth just a few bucks each, the kids literally fell to the ground, crying with happiness. They were the happiest, funniest little kids, grabbing my beard and smiling big. They have nothing, and some free underwear made them happy. It was a big wake-up call for me as I realized how much I have and how a little inconvenience like the Internet going out can ruin my day. I don’t want to live like that, like the world owes me a comfortable life and I’m not happy unless I have all the conveniences. I want to live a fulfilled life, and I want my kids to live a fulfilled life too. I want more for my kids. I want to show my kids how to have faith in Jesus, how to use the Bible as their guide to life, and when they grow up, I want my kids to change the world. I also want Jess and me to continue to learn how to love each other, and I want us to grow old together and be just like my mom and dad. My idea of happiness is being with my family in a cabin in the woods or at a campout, sitting around a campfire telling stories, roasting marshmallows, and watching the fireflies.

Ten things you should never do when you form a group 1.​Work with your friends (they won’t be for long if you do) 2.​Let the singer do his own backing vocals (this is a great opportunity for the band to pull together – ignore it at your peril; see also ‘narcissism’) 3.​Have a couple in the band (they will always conspire against you) 4.​Listen to an A&R man (apart from Pete Tong, everyone I have ever met has been an idiot) 5.​Let your manager open a club/bar (see The Haçienda: How Not to Run a Club) 6.​Let the publishing/performance split go unspoken (sort it out as soon as the recording is finished and put it in writing; this is the worst thing you will ever have to do, but the most important, and usually splits most bands before they even start) 7.​Get off the bus (Fatty Molloy did this once and has regretted it ever since) 8.​Think one member is bigger than the group (courtesy Gene Simmons again) 9.​Sign anything that says ‘in perpetuity’ (that means forever, even you won’t live that long) 10.​Let your record company owe you money (see Factory Records) 11.​Ship your gear – always hire (a very famous sub-dance sub-indie outfit once phoned their manager after they’d split and said, ‘Hey, where did all the money go?’ See above!) 12.​Interfere with another group member’s sleep (they will turn very nasty and may call the police) 13.​Interfere with another group member’s girlfriend/wife (this will always end in violence) 14.​Never have a party in your own hotel room (always go to someone else’s) . . . Oh shit, way too many. I’ll stop now.

BOND: A debt security in which the authorized issuer owes the holders a debt and is obliged to repay the principal and interest at a later date, termed maturity. ENTREPRENEUR: Someone who creates a system to offer a product or service in order to obtain a profit. Entrepreneurs are willing to accept a level of risk to pursue opportunity and are viewed as fundamentally important in the capitalistic society. FINANCIAL STATEMENT: A statement of your income, expenses, assets, and liabilities. Your “report card” when you leave school and what your banker wants to see before lending you money. STOCK: The capital raised by a corporation through the distribution of shares.

I’ve tried to think of every reason why I should wash my hands of this place. But I keep returning to the conclusion that I owe it to every man, woman, and child on this estate to try and save the estate. Eversby Priory has been the work of generations. I can’t destroy it.” “I think that’s a very admirable decision,” she said with a hesitant smile. His mouth twisted. “My brother calls it vanity. He predicts failure, of course.” “Then I’ll be the counterbalance,” she said impulsively, “and predict success.” Devon gave her an alert glance, and he dazzled her with a quick grin. “Don’t put money on it,” he advised. The smile faded except for a lingering quirk at one corner of his mouth. “I kept waking during the night,” he said, “arguing with myself. But then it occurred to me to wonder what my father would have done, had he lived long enough to find himself in my position.” “He would have saved the estate?” “No, he wouldn’t have considered it for a second.” Devon laughed shortly. “It’s safe to say that doing the opposite of what my father would have done is always the right choice.” Kathleen regarded him with sympathy. “Did he drink?” she dared to ask. “He did everything. And if he liked it, he did it to excess. A Ravenel through and through.” She nodded, thinking of Theo. “It has occurred to me,” she ventured, “that the family temperament isn’t well suited to stewardship.” Amusement glinted in his eyes. “Speaking as a man who has the family temperament in full measure, I agree. I wish I could claim to have a mother from steady, pragmatic stock, to balance out the Ravenel wildness. Unfortunately she was worse.” “Worse?” Kathleen asked, her eyes widening. “She had a temper?” “No, but she was unstable. Flighty. It’s no exaggeration to say there were days at a time when she forgot she even had children.” “My parents were very attentive and involved,” Kathleen volunteered after a moment. “As long as you were a horse.

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Your Personal Economic Model One tool we use when discussing the best course of action to secure your financial future is the Personal Economic Model®. Just as a medical doctor would use an anatomical model to convey medical concepts, we use the following model to convey financial concepts. This model offers a visual representation of the way money flows through your hands. On the left, you will notice the Lifetime Capital Potential tank, which illustrates that the amount of money you will control during your lifetime is both large, as well as finite. Most people are shocked to see how much money can flow through their hands in their lifetime. Once earned, your money flows directly to the Tax Filter where the state and federal governments take tax dollars owed from your paycheck. The after tax dollars are then directed to either your Current Lifestyle or your Future Lifestyle. Your management of the Lifestyle Regulator determines where these dollars go. Regulating the cash flow between your current lifestyle desires and your future lifestyle requirements may be the most important financial decision you will ever make. Here’s why. Each and every dollar that is allowed to flow through to your Current Lifestyle is consumed and gone forever. The goal is to accumulate enough money in the Savings and Investment tanks so that when you retire, the dollars in those tanks can be used to pay for your future lifestyle requirements. Retirement planning seems hard for most people to do but it is not rocket science. The best position, position A, would be to have enough in the tanks so that you can live in the future like you live today adjusted for inflation and have your money last at least to your life expectancy. That’s a win, but the icing on the cake would be to accomplish that with little to no impact on your present standard of living, and that is exactly what we strive to help our clients to do. Working with us can help you with the following: Optimize the balance between your Current and Future Lifestyles Identify inefficiencies in your current personal economic model (where are you losing money) Design, implement, and execute a plan to secure your financial future Limit the impact on your Current Lifestyle dollars (maintain your current standard of living)

What, precisely, does it mean to say that our sense of morality and justice is reduced to the language of a business deal? What does it mean when we reduce moral obligations to debts? What changes when the one turns into the other? And how do we speak about them when our language has been so shaped by the market? On one level the difference between an obligation and a debt is simple and obvious. A debt is the obligation to pay a certain sum of money. As a result, a debt, unlike any other form of obligation, can be precisely quantified. This allows debts to become simple, cold, and impersonal—which, in turn, allows them to be transferable. If one owes a favor, or one’s life, to another human being, it is owed to that person specifically. But if one owes forty thousand dollars at 12-percent interest, it doesn’t really matter who the creditor is; neither does either of the two parties have to think much about what the other party needs, wants, is capable of doing—as they certainly would if what was owed was a favor, or respect, or gratitude. One does not need to calculate the human effects; one need only calculate principal, balances, penalties, and rates of interest. If you end up having to abandon your home and wander in other provinces, if your daughter ends up in a mining camp working as a prostitute, well, that’s unfortunate, but incidental to the creditor. Money is money, and a deal’s a deal. From this perspective, the crucial factor, and a topic that will be explored at length in these pages, is money’s capacity to turn morality into a matter of impersonal arithmetic—and by doing so, to justify things that would otherwise seem outrageous or obscene. The factor of violence, which I have been emphasizing up until now, may appear secondary. The difference between a “debt” and a mere moral obligation is not the presence or absence of men with weapons who can enforce that obligation by seizing the debtor’s possessions or threatening to break his legs. It is simply that a creditor has the means to specify, numerically, exactly how much the debtor owes.

How do accountants measure the value of assets? For most fixed and long-term assets, such as land, buildings, and equipment, they begin with what you originally paid for the asset (historical cost) and reduce that value for the aging of the asset (depreciation or amortization). For short-term assets (current assets), including inventory (raw materials, works in progress, and finished goods), receivables (summarizing moneys owed to the firm), and cash, accountants are more amenable to the use of an updated or market value. If a company invests in the securities or assets of another company, the investment is valued at an updated market value if the investment is held for trading and historical cost when it is not. In the special case where the holding comprises more than 50 percent of the value of another company (subsidiary), the firm must record all of the subsidiary's assets and liabilities on its balance sheet (this is called consolidation), with a minority interest item capturing the percentage of the subsidiary that does not belong to it. Finally, you have what are loosely categorized as intangible assets. While you would normally consider items such as brand names, customer loyalty, and a well-trained work force as intangible assets, the most encountered intangible asset in accounting is goodwill. When a firm acquires another firm, the price it pays is first allocated to the existing assets of the acquired firm. Any excess paid becomes goodwill and is recorded as an asset.