When You Borrow Money Quotes

When you need to borrow money the Mob seems like a better deal I think. 'You don't pay me back I break both yer legs.' Is that all? You won't take my house or wreck my credit rating? Fine where do I sign. Legs? Fine. You don't even have to sign anything.

Banks are nothing but old fashioned money lenders. They encourage you to borrow, to get in debt, and when you can't pay back the loan they take your home away. At least a money lender only breaks your legs.

The Western States nervous under the beginning change. Texas and Oklahoma, Kansas and Arkansas, New Mexico, Arizona, California. A single family moved from the land. Pa borrowed money from the bank, and now the bank wants the land. The land company--that's the bank when it has land --wants tractors, not families on the land. Is a tractor bad? Is the power that turns the long furrows wrong? If this tractor were ours it would be good--not mine, but ours. If our tractor turned the long furrows of our land, it would be good. Not my land, but ours. We could love that tractor then as we have loved this land when it was ours. But the tractor does two things--it turns the land and turns us off the land. There is little difference between this tractor and a tank. The people are driven, intimidated, hurt by both. We must think about this. One man, one family driven from the land; this rusty car creaking along the highway to the west. I lost my land, a single tractor took my land. I am alone and bewildered. And in the night one family camps in a ditch and another family pulls in and the tents come out. The two men squat on their hams and the women and children listen. Here is the node, you who hate change and fear revolution. Keep these two squatting men apart; make them hate, fear, suspect each other. Here is the anlarge of the thing you fear. This is the zygote. For here "I lost my land" is changed; a cell is split and from its splitting grows the thing you hate--"We lost our land." The danger is here, for two men are not as lonely and perplexed as one. And from this first "we" there grows a still more dangerous thing: "I have a little food" plus "I have none." If from this problem the sum is "We have a little food," the thing is on its way, the movement has direction. Only a little multiplication now, and this land, this tractor are ours. The two men squatting in a ditch, the little fire, the side- meat stewing in a single pot, the silent, stone-eyed women; behind, the children listening with their souls to words their minds do not understand. The night draws down. The baby has a cold. Here, take this blanket. It's wool. It was my mother's blanket--take it for the baby. This is the thing to bomb. This is the beginning--from "I" to "we." If you who own the things people must have could understand this, you might preserve yourself. If you could separate causes from results, if you could know Paine, Marx, Jefferson, Lenin, were results, not causes, you might survive. But that you cannot know. For the quality of owning freezes you forever into "I," and cuts you off forever from the "we." The Western States are nervous under the begining change. Need is the stimulus to concept, concept to action. A half-million people moving over the country; a million more restive, ready to move; ten million more feeling the first nervousness. And tractors turning the multiple furrows in the vacant land.

Is it necessary to say what my first impression was when I looked at my visitor's card? Surely not! My sister having married a foreigner, there was but one impression that any man in his senses could possibly feel. Of course the Count had come to borrow money of me. "Louis," I said, "do you think he would go away if you gave him five shillings?

It was the kind of "here" your mother or your big sister or your great-aunt or your grandmother would have said. It was the kind of "here" that let you know this was hard-earned money but, also, that you needed it more than she did, and the kind of "here" that said she wished you had it and didn't have to borrow it from her, but since you did not have it, and she did, then "here" it was, with a kind of love. It was the kind of "here" that asked the question, When will all this end? When will a man not have to struggle to have money to get what he needs "here"? When will a man be able to live without having to kill another man "here"?

Little girls are the nicest things that can happen to people. They are born with a bit of angel-shine about them, and though it wears thin sometimes, there is always enough left to lasso your heart—even when they are sitting in the mud, or crying temperamental tears, or parading up the street in Mother’s best clothes. A little girl can be sweeter (and badder) oftener than anyone else in the world. She can jitter around, and stomp, and make funny noises that frazzle your nerves, yet just when you open your mouth, she stands there demure with that special look in her eyes. A girl is Innocence playing in the mud, Beauty standing on its head, and Motherhood dragging a doll by the foot. God borrows from many creatures to make a little girl. He uses the song of a bird, the squeal of a pig, the stubbornness of a mule, the antics of a monkey, the spryness of a grasshopper, the curiosity of a cat, the speed of a gazelle, the slyness of a fox, the softness of a kitten, and to top it all off He adds the mysterious mind of a woman. A little girl likes new shoes, party dresses, small animals, first grade, noisemakers, the girl next door, dolls, make-believe, dancing lessons, ice cream, kitchens, coloring books, make-up, cans of water, going visiting, tea parties, and one boy. She doesn’t care so much for visitors, boys in general, large dogs, hand-me-downs, straight chairs, vegetables, snowsuits, or staying in the front yard. She is loudest when you are thinking, the prettiest when she has provoked you, the busiest at bedtime, the quietest when you want to show her off, and the most flirtatious when she absolutely must not get the best of you again. Who else can cause you more grief, joy, irritation, satisfaction, embarrassment, and genuine delight than this combination of Eve, Salome, and Florence Nightingale. She can muss up your home, your hair, and your dignity—spend your money, your time, and your patience—and just when your temper is ready to crack, her sunshine peeks through and you’ve lost again. Yes, she is a nerve-wracking nuisance, just a noisy bundle of mischief. But when your dreams tumble down and the world is a mess—when it seems you are pretty much of a fool after all—she can make you a king when she climbs on your knee and whispers, "I love you best of all!

Good friends always pay you back , when they have borrowed money from you. Bad friends give you attitude and don't pay you back , because they are selfish and they think no one is more deserving than them.

Instructions for Dad. I don't want to go into a fridge at an undertaker's. I want you to keep me at home until the funeral. Please can someone sit with me in case I got lonely? I promise not to scare you. I want to be buried in my butterfly dress, my lilac bra and knicker set and my black zip boots (all still in the suitcase that I packed for Sicily). I also want to wear the bracelet Adam gave me. Don't put make-up on me. It looks stupid on dead people. I do NOT want to be cremated. Cremations pollute the atmosphere with dioxins,k hydrochloric acid, hydrofluoric acid, sulphur dioxide and carbon dioxide. They also have those spooky curtains in crematoriums. I want a biodegradable willow coffin and a woodland burial. The people at the Natural Death Centre helped me pick a site not for from where we live, and they'll help you with all the arrangements. I want a native tree planted on or near my grave. I'd like an oak, but I don't mind a sweet chestnut or even a willow. I want a wooden plaque with my name on. I want wild plants and flowers growing on my grave. I want the service to be simple. Tell Zoey to bring Lauren (if she's born by then). Invite Philippa and her husband Andy (if he wants to come), also James from the hospital (though he might be busy). I don't want anyone who doesn't know my saying anything about me. THe Natural Death Centre people will stay with you, but should also stay out of it. I want the people I love to get up and speak about me, and even if you cry it'll be OK. I want you to say honest things. Say I was a monster if you like, say how I made you all run around after me. If you can think of anything good, say that too! Write it down first, because apparently people often forget what they mean to say at funerals. Don't under any circumstances read that poem by Auden. It's been done to death (ha, ha) and it's too sad. Get someone to read Sonnet 12 by Shakespeare. Music- "Blackbird" by the Beatles. "Plainsong" by The Cure. "Live Like You Were Dying" by Tim McGraw. "All the Trees of the Field Will Clap Their Hands" by Sufian Stevens. There may not be time for all of them, but make sure you play the last one. Zoey helped me choose them and she's got them all on her iPod (it's got speakers if you need to borrow it). Afterwards, go to a pub for lunch. I've got £260 in my savings account and I really want you to use it for that. Really, I mean it-lunch is on me. Make sure you have pudding-sticky toffee, chocolate fudge cake, ice-cream sundae, something really bad for you. Get drunk too if you like (but don't scare Cal). Spend all the money. And after that, when days have gone by, keep an eye out for me. I might write on the steam in the mirror when you're having a bath, or play with the leaves on the apple tree when you're out in the garden. I might slip into a dream. Visit my grave when you can, but don't kick yourself if you can't, or if you move house and it's suddenly too far away. It looks pretty there in the summer (check out the website). You could bring a picnic and sit with me. I'd like that. OK. That's it. I love you. Tessa xxx

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.

The present presses automatically on you. The future does not. To attend to the future requires bandwidth, which scarcity taxes. When scarcity taxes our bandwidth, we become even more focused on the here and now. We need cognitive resources to gauge future needs, and we need executive control to resist present temptations. As it taxes our bandwidth, scarcity focuses on the present, and leads us to borrow.

If you would know the value of money, go and try to borrow some; for he that goes a borrowing goes a sorrowing, as Poor Richard says; and indeed so does he that lends to such people, when he goes to get it in again.

... nature has arranged that when you overcome a given inertia the resulting momentum is proportionate. If I were to begin borrowing money I would end by devising means of persuading the Secretary of the Treasury to lend me the gold reserve.

When you borrow a lot of money to create a false prosperity, you import the future into the present. It isn’t the actual future so much as some grotesque silicone version of it. Leverage buys you a glimpse of a prosperity you haven’t really earned.

It’s not easy to feel good about yourself when you are constantly being told you’re rubbish and/or part of the problem. That’s often the situation for people working in the public sector, whether these be nurses, civil servants or teachers. The static metrics used to measure the contribution of the public sector, and the influence of Public Choice theory on making governments more ‘efficient’, has convinced many civil-sector workers they are second-best. It’s enough to depress any bureaucrat and induce him or her to get up, leave and join the private sector, where there is often more money to be made. So public actors are forced to emulate private ones, with their almost exclusive interest in projects with fast paybacks. After all, price determines value. You, the civil servant, won’t dare to propose that your agency could take charge, bring a helpful long-term perspective to a problem, consider all sides of an issue (not just profitability), spend the necessary funds (borrow if required) and – whisper it softly – add public value. You leave the big ideas to the private sector which you are told to simply ‘facilitate’ and enable. And when Apple or whichever private company makes billions of dollars for shareholders and many millions for top executives, you probably won’t think that these gains actually come largely from leveraging the work done by others – whether these be government agencies, not-for-profit institutions, or achievements fought for by civil society organizations including trade unions that have been critical for fighting for workers’ training programmes.

People think of banks as money warehouses, and if you take a loan from the bank, you’re basically borrowing someone else’s money, or money that actually exists. Not true. When you take out a loan, most of that money is created out of thin air, and lent to you with interest.

When bicycling, you’re simply less likely to make unplanned purchases, especially large ones. Shopping, especially for bulky items, must be more carefully planned and premeditated—you’ll want to do it all at once, and either bringing your trailer or renting or borrowing a car for an afternoon.

The coach passed by many buildings of this sort, which would no doubt be little palaces to the occupants, who had escaped from Cockbill Street and Pigsty Hill and all the other neighbourhoods where people still dreamed that they could ‘better themselves’, an achievement that might be attained, oh happy day, when they had ‘a little place of their own’. It was an inspiring dream, if you didn’t look too deeply into words like mortgage and repayments and repossession and bankruptcy, and the lower middle classes of Ankh-Morpork, who saw themselves as being trodden on by the class above and illegally robbed by the one below, lined up with borrowed money to purchase, by instalments, their own little Oi Dong

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

In those days there was no money to buy books. Books you borrowed from the rental library of Shakespeare and Company, which was the library and bookstore of Sylvia Beach at 12 rue de l’Odéon. On a cold windswept street, this was a lovely, warm, cheerful place with a big stove in winter, tables and shelves of books, new books in the window, and photographs on the wall of famous writers both dead and living. The photographs all looked like snapshots and even the dead writers looked as though they had really been alive. Sylvia had a lively, very sharply cut face, brown eyes that were as alive as a small animal’s and as gay as a young girl’s, and wavy brown hair that was brushed back from her fine forehead and cut thick below her ears and at the line of the collar of the brown velvet jacket she wore. She had pretty legs and she was kind, cheerful and interested, and loved to make jokes and gossip. No one that I ever knew was nicer to me. I was very shy when I first went into the bookshop and I did not have enough money on me to join the rental library. She told me I could pay the deposit any time I had the money and made me out a card and said I could take as many books as I wished. There was no reason for her to trust me. She did not know me and the address I had given her, 74 rue Cardinal Lemoine, could not have been a poorer one. But she was delightful and charming and welcoming and behind her, as high as the wall and stretching out into the back room which gave onto the inner court of the building, were the shelves and shelves of the richness of the library.

He fussed and argued and finally went away saying he’d bring back the deed. Mama sent Francie over to Sissy’s house to borrow two dollars. When the undertaker came back with the deed, Katie, remembering something her mother had said fourteen years ago read it slowly and carefully. She made Francie and Neeley read it too. The undertaker stood first on one foot, then on the other. When all three Nolans were satisfied that the deed was in order, Katie handed over the money. “Why should I want to cheat you, Mrs. Nolan?” he asked plaintively as he put the money away carefully. “Why should anyone want to cheat anybody?” she asked in return. “But they do.” The

Here are my simple rules for identifying market tops and bottoms: 1. Market tops are relatively easy to recognize. Buyers generally become overconfident and almost always believe “this time is different.” It’s usually not. 2. There’s always a surplus of relatively cheap debt capital to finance acquisitions and investments in a hot market. In some cases, lenders won’t even charge cash interest, and they often relax or suspend typical loan restrictions as well. Leverage levels escalate compared to historical averages, with borrowing sometimes reaching as high as ten times or more compared to equity. Buyers will start accepting overoptimistic accounting adjustments and financial forecasts to justify taking on high levels of debt. Unfortunately most of these forecasts tend not to materialize once the economy starts decelerating or declining. 3. Another indicator that a market is peaking is the number of people you know who start getting rich. The number of investors claiming outperformance grows with the market. Loose credit conditions and a rising tide can make it easy for individuals without any particular strategy or process to make money “accidentally.” But making money in strong markets can be short-lived. Smart investors perform well through a combination of self-discipline and sound risk assessment, even when market conditions reverse.

An obvious step to working the Debt Snowball is to stop borrowing. Otherwise, you will just be changing the names of the creditors on your debt list. So you must draw a line in the sand and say, “I will never borrow again.” As soon as you make that statement, there will be a test. Trust me. Your transmission will go out. Your kid will need braces. It is almost as if God wants to see if you are really gazelle-intense. At this point, you are ready for a plastectomy—plastic surgery to cut up your credit cards. I’m often asked, “Dave, should I cut my cards up now or when I pay them off?” Cut them up NOW. A permanent change in your view of debt is your only chance. No matter what happens, you have to pursue the opportunity or solve the challenge without debt. It has to stop. If you think you can get out of debt without huge resolve to stop borrowing, you are wrong. You can’t get out of a hole by digging out the bottom.

I have had so many Dwellings, Nat, that I know these Streets as well as a strowling Beggar: I was born in this Nest of Death and Contagion and now, as they say, I have learned to feather it. When first I was with Sir Chris. I found lodgings in Phenix Street off Hogg Lane, close by St Giles and Tottenham Fields, and then in later times I was lodged at the corner of Queen Street and Thames Street, next to the Blew Posts in Cheapside. (It is still there, said Nat stirring up from his Seat, I have passed it!) In the time before the Fire, Nat, most of the buildings in London were made of timber and plaister, and stones were so cheap that a man might have a cart-load of them for six-pence or seven-pence; but now, like the Aegyptians, we are all for Stone. (And Nat broke in, I am for Stone!) The common sort of People gawp at the prodigious Rate of Building and exclaim to each other London is now another City or that House was not there Yesterday or the Situacion of the Streets is quite Changd (I contemn them when they say such things! Nat adds). But this Capital City of the World of Affliction is still the Capitol of Darknesse, or the Dungeon of Man's Desires: still in the Centre are no proper Streets nor Houses but a Wilderness of dirty rotten Sheds, allways tumbling or takeing Fire, with winding crooked passages, lakes of Mire and rills of stinking Mud, as befits the smokey grove of Moloch. (I have heard of that Gentleman, says Nat all a quiver). It is true that in what we call the Out-parts there are numberless ranges of new Buildings: in my old Black-Eagle Street, Nat, tenements have been rais'd and where my Mother and Father stared without understanding at their Destroyer (Death! he cryed) new-built Chambers swarm with life. But what a Chaos and Confusion is there: meer fields of Grass give way to crooked Passages and quiet Lanes to smoking Factors, and these new Houses, commonly built by the London workmen, are often burning and frequently tumbling down (I saw one, says he, I saw one tumbling!). Thus London grows more Monstrous, Straggling and out of all Shape: in this Hive of Noise and Ignorance, Nat, we are tyed to the World as to a sensible Carcasse and as we cross the stinking Body we call out What News? or What's a clock? And thus do I pass my Days a stranger to mankind. I'll not be a Stander-by, but you will not see me pass among them in the World. (You will disquiet your self, Master, says Nat coming towards me). And what a World is it, of Tricking and Bartering, Buying and Selling, Borrowing and Lending, Paying and Receiving; when I walk among the Piss and Sir-reverence of the Streets I hear, Money makes the old Wife trot, Money makes the Mare to go (and Nat adds, What Words won't do, Gold will). What is their God but shineing Dirt and to sing its Devotions come the Westminster-Hall-whores, the Charing-cross whores, the Whitehall whores, the Channel-row whores, the Strand whores, the Fleet Street whores, the Temple-bar whores; and they are followed in the same Catch by the Riband weavers, the Silver-lace makers, the Upholsterers, the Cabinet-makers, Watermen, Carmen, Porters, Plaisterers, Lightemen, Footmen, Shopkeepers, Journey-men... and my Voice grew faint through the Curtain of my Pain.

Perhaps the Hungarian humorist Ferencz Karinthy captures the spirit of the situation best in a tableau about a bored businessman who amuses himself by looking through high-powered binoculars from his office high in a skyscraper into neighbouring office rooms. On one occasion he spies a middle-aged executive chasing a comely secretary around his desk. As it happens the observers knows the building in which this drama is taking place and can even make out the name of the occupant from the plaque on his desk. He consults the telephone directory and gives the culprit, who is still trying to force his attentions on the secretary, a ring. When the culprit answers the telephone the observer announces himself as God Almighty and tells him to stop molesting the young woman in his employ. The culprit, thunderstruck and unable to account fo the observer's exact knowledge of what has been going on, fall son his knees in a paroxysm of fear and wonder and begs forgiveness. The observer roundly berates the culprit who swears he will do anything to make amends and promises never to sin again. Hereupon the observer informs the culprit that he can indeed make amends by lending him 100 pengo [dollars]. The answer, of course is a burst of profanity and the abrupt termination of the call. Karinthy then draws his moral: if you want to play God don't try to borrow money...

Poem in a Straight Line:" I never knew a soul who ever took a licking. My friends have all been champions at everything. And I, so often vulgar, so often obscene, so often vile, I, so deliberately parasitical, Unforgivably filthy, I, so often without patience to take a bath, I, who’ve been so ridiculous, so absurd, Tripping up in public on the carpet of etiquette, I, so grotesque and mean, submissive and insolent, Who’ve been insulted and not said a word, And when putting a word in growing still more ridiculous, I who strike chambermaids as laughable, I who feel porters wink sarcastically, I who’ve been scandalous about money, borrowing and not paying it back, I, who when the time came to fight, ducked As far as I could out of punching range, I who go into a sweat over the slightest thing — I’m convinced no one’s better than I at this sort of game. No one I know, none of my speaking acquaintances, Ever acted ridiculous, ever took insults, Was ever anything but noble – yes, all of them princes, living their lives… How I’d love to hear a human voice, from any one of them. Confessing not to sins but to infamies, Speaking not of violent but of cowardly acts! But no, each one’s a Paragon, to hear them tell it. Is there no one in this world who’d confess to me he’s been vile just once? All you princes, my brothers, Enough – I’m fed up with demigods! Where are the real people in this world? Am I the only scoundrel and bungler alive? Maybe women don’t always fall for them. Maybe they’ve been betrayed. But ridiculous? Never! And I, who’ve been ridiculous but never betrayed, How do I speak to their Highnesses without stammering? I, who’ve been vile, literally vile, Vile in the meanest and rottenest possible sense of the word

How is money created? An example: You buy a house or take out a mortgage on the excess value of your property. You want 200,000 Dollars. The following happens. The bank’s computer adds these virtual numbers - because that is what they are - to your bank account, and then you have to bleed for the next 30 years, WITH INTEREST. The bank attached a fictional number to your name and for 30 years you need to work to pay the money back. The bank didn’t build your house, nor did it pay for the materials. That was done by people like you and me. They too have to pay, because they also have a mortgage. And when you die, your kids will have to pay taxes on your estate. Often, they have to take out a mortgage of their own to do so[74]. Another example of how banks create money out of nothing: You go to the bank to lend 1,000 Dollars. One year later, you have to pay 1,100 Dollars back, including interest. The additional 100 Dollars come from fellow citizens, for instance in the form of wages or profit sharing. In other words, the extra 100 Dollars come from society. This can only happen when the total amount of money in circulation increases. That increase – inflation – is created when the bank creates more money. In other words: “Interest payments are a direct way to create money.” All the money that exists comes from the bank. This remarkable phenomenon has been described as follows by Mr. Robert Hemphill, Credit Manager of the Federal Reserve Bank in Atlanta: “If all the bank loans were paid, there would not be a dollar in circulation. This is a staggering thought. We are completely dependent on the commercial banks. Someone has to borrow every dollar we have in circulation, cash, or credit. If the banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless situation is almost incredible - but there it is.”[75]

Still, when Harvard said I wasn’t eligible for financial aid, and another university offered me a full scholarship, I thought I should go there. My mother became furious and said I was always sabotaging myself. She was proud of being able to borrow money at a loss from her own retirement fund, and give it to Harvard. I felt proud of her, too. But I did not feel proud of myself. It made the college application process feel, in retrospect, somehow hurtful and insulting: all the essays and interviews and supplements and letters seemed to be about you, about your specialness—but actually it was all about shaking your parents down for money. — Harvard seemed really proud of its own attitude toward financial aid. You were always hearing about how “merit-based aid,” which was fine for other schools, didn’t work here, where everyone was so full of merit. When your parents paid full tuition, part of what they were paying for was the benefit you derived from being exposed to people who were more diverse than you. “My parents are paying for him to be here, so I can learn from him,” my friend Leora said once, about a homeschooled guy from Arkansas in her history section who started talking about how the Jews killed Jesus. Leora had been my best friend when we were little, and then we went to different middle schools and high schools, but now we were at college together. She already thought every single person on earth was anti-Semitic, so she definitely hadn’t learned anything from that guy. To me, the part of financial aid that made the least sense was that all the international students got full scholarships, regardless of how much money their parents had. The son of the prince of Nepal was in our class, and didn’t pay tuition. Ivan had once caused me pain by saying something deprecating about “people whose parents paid a hundred thousand dollars for them to be here.” Did he not know that my parents were paying a hundred thousand dollars for me to be there? The thought that really made me crazy was that my parents had paid for Ivan to be there. It was another experience they had paid for me to have.

IN T H E last twenty-five years I have had a lot of people staying with me and sometimes I am tempted to write an essay on guests. There are the guests who never shut a door after them and never turn out the light when they leave their room. There are the guests who throw themselves on their bed in muddy boots to have a nap after lunch, so that the counterpane has to be cleaned on their departure. There are the guests who smoke in bed and burn holes in your sheets. There are the guests who are on a regime and have to have special food cooked for them and there are the guests who wait till their glass is filled with a vintage claret and then say: "I won't have any, thank you." There are the guests who never put back a book in the place from which they took it and there are the guests who take away a volume from a set and never return it. There are the guests who borrow money from you when they are leaving and do not pay it back. There are the guests who can never be alone for a minute and there are the guests who are seized with a desire to talk the moment they see you glancing at a paper. There are the guests who, wherever they are, want to be somewhere else and there are the guests who want to be doing something from the time they get up in the morning till the time they go to bed at night. There are the guests who treat you as though they were SOME NOVELISTS I HAVE KNOWN 459 gauleiters in a conquered province. There are the guests who bring three weeks* laundry with them to have washed at your expense and there are the guests who send their clothes to the cleaners and leave you to pay the bill. There are the guests who telephone to London, Paris, Rome, Madrid and New York, and never think of inquiring how much it costs. There are the guests who take all they can get and offer nothing in return. There are also the guests who are happy just to be with you, who seek to please, who have resources of their own, who amuse you, whose conversation is delightful, whose interests are varied, who exhilarate and excite you, who in short give you far more than you can ever hope to give them and whose visits are only too brief.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

If Dualism is true, then the bad Power must be a being who likes badness for its own sake. But in reality we have no experience of anyone liking badness just because it is bad. The nearest we can get to it is in cruelty. But in real life people are cruel for one of two reasons— either because they are sadists, that is, because they have a sexual perversion which makes cruelty a cause of sensual pleasure to them, or else for the sake of something they are going to get out of it—money, or power, or safety. But pleasure, money, power, and safety are all, as far as they go, good things. The badness consists in pursuing them by the wrong method, or in the wrong way, or too much. I do not mean, of course, that the people who do this are not desperately wicked. I do mean thatwickedness, when you examine it, turns out to be the pursuit of some good in the wrong way. You can be good for the mere sake of goodness: you cannot be bad for the mere sake of badness. You can do a kind action when you are not feeling kind and when it gives you no pleasure, simply because kindness is right; but no one ever did a cruel action simply because cruelty is wrong—only because cruelty was pleasant or useful to him. In other words badness cannot succeed even in being bad in the same way in which goodness is good. Goodness is, so to speak, itself: badness is only spoiledgoodness. And there must be something good first before it can be spoiled. We called sadism a sexual perversion; but you must first have the idea of a normal sexuality before you can talk of its being perverted; and you can see which is the perversion, because you can explain the perverted from the normal, and cannot explain the normal from the perverted.It follows that this Bad Power, who is supposed to be on an equal footing with the Good Power, and to love badness in the same way as the Good Power loves goodness, is a mere bogy. In order to be bad he must have good things to want and then to pursue in the wrong way: he must have impulses which were originally good in order to be able to pervert them. But if he is bad he cannot supply himself either with good things to desire or with good impulses to pervert. He must be getting both from the Good Power. And if so, then he is not independent. He is part of the Good Power's world: he was made either by the Good Power or by some power above them both. Therefore he must be getting them from the Good Power: even to be bad he must borrow or steal from his opponent. And do you now begin to see why Christianity has always said that the devil is a fallen angel? That is not a mere story for the children. It is a real recognition of the fact that evil is a parasite, not an original thing. The powers which enable evil to carry on are powers given it by goodness. All the things which enable a bad man to be effectively bad are in themselves good things—resolution, cleverness, good looks, existence itself. That is why Dualism, in a strict sense, will not work.

If Dualism is true, then the bad Power must be a being who likes badness for its own sake. But in reality we have no experience of anyone liking badness just because it is bad. The nearest we can get to it is in cruelty. But in real life people are cruel for one of two reasons— either because they are sadists, that is, because they have a sexual perversion which makes cruelty a cause of sensual pleasure to them, or else for the sake of something they are going to get out of it—money, or power, or safety. But pleasure, money, power, and safety are all, as far as they go, good things. The badness consists in pursuing them by the wrong method, or in the wrong way, or too much. I do not mean, of course, that the people who do this are not desperately wicked. I do mean thatwickedness, when you examine it, turns out to be the pursuit of some good in the wrong way. You can be good for the mere sake of goodness: you cannot be bad for the mere sake of badness. You can do a kind action when you are not feeling kind and when it gives you no pleasure, simply because kindness is right; but no one ever did a cruel action simply because cruelty is wrong—only because cruelty was pleasant or useful to him. In other words badness cannot succeed even in being bad in the same way in which goodness is good. Goodness is, so to speak, itself: badness is only spoiledgoodness. And there must be something good first before it can be spoiled. We called sadism a sexual perversion; but you must first have the idea of a normal sexuality before you can talk of its being perverted; and you can see which is the perversion, because you can explain the perverted from the normal, and cannot explain the normal from the perverted.It follows that this Bad Power, who is supposed to be on an equal footing with the Good Power, and to love badness in the same way as the Good Power loves goodness, is a mere bogy. In order to be bad he must have good things to want and then to pursue in the wrong way: he must have impulses which were originally good in order to be able to pervert them. But if he is bad he cannot supply himself either with good things to desire or with good impulses to pervert. He must be getting both from the Good Power. And if so, then he is not independent. He is part of the Good Power's world: he was made either by the Good Power or by some power above them both. Therefore he must be getting them from the Good Power: even to be bad he must borrow or steal from his opponent. And do you now begin to see why Christianity has always said that the devil is a fallen angel? That is not a mere story for the children. It is a real recognition of the fact that evil is a parasite, not an original thing. The powers which enable evil to carry on are powers given it by goodness. All the things which enable a bad man to be effectively bad are in themselves good things—resolution, cleverness, good looks, existence itself. That is why Dualism, in a strict sense, will not work.

What’ll it be?” Steve asked me, just days after our wedding. “Do we go on the honeymoon we’ve got planned, or do you want to go catch crocs?” My head was still spinning from the ceremony, the celebration, and the fact that I could now use the two words “my husband” and have them mean something real. The four months between February 2, 1992--the day Steve asked me to marry him--and our wedding day on June 4 had been a blur. Steve’s mother threw us an engagement party for Queensland friends and family, and I encountered a very common theme: “We never thought Steve would get married.” Everyone said it--relatives, old friends, and schoolmates. I’d smile and nod, but my inner response was, Well, we’ve got that in common. And something else: Wait until I get home and tell everybody I am moving to Australia. I knew what I’d have to explain. Being with Steve, running the zoo, and helping the crocs was exactly the right thing to do. I knew with all my heart and soul that this was the path I was meant to travel. My American friends--the best, closest ones--understood this perfectly. I trusted Steve with my life and loved him desperately. One of the first challenges was how to bring as many Australian friends and family as possible over to the United States for the wedding. None of us had a lot of money. Eleven people wound up making the trip from Australia, and we held the ceremony in the big Methodist church my grandmother attended. It was more than a wedding, it was saying good-bye to everyone I’d ever known. I invited everybody, even people who may not have been intimate friends. I even invited my dentist. The whole network of wildlife rehabilitators came too--four hundred people in all. The ceremony began at eight p.m., with coffee and cake afterward. I wore the same dress that my older sister Bonnie had worn at her wedding twenty-seven years earlier, and my sister Tricia wore at her wedding six years after that. The wedding cake had white frosting, but it was decorated with real flowers instead of icing ones. Steve had picked out a simple ring for me, a quarter carat, exactly what I wanted. He didn’t have a wedding ring. We were just going to borrow one for the service, but we couldn’t find anybody with fingers that were big enough. It turned out that my dad’s wedding ring fitted him, and that’s the one we used. Steve’s mother, Lyn, gave me a silk horseshoe to put around my wrist, a symbol of good luck. On our wedding day, June 4, 1992, it had been eight months since Steve and I first met. As the minister started reading the vows, I could see that Steve was nervous. His tuxedo looked like it was strangling him. For a man who was used to working in the tropics, he sure looked hot. The church was air-conditioned, but sweat drops formed on the ends of his fingers. Poor Steve, I thought. He’d never been up in front of such a big crowd before. “The scariest situation I’ve ever been in,” Steve would say later of the ceremony. This from a man who wrangled crocodiles! When the minister invited the groom to kiss the bride, I could feel all Steve’s energy, passion, and love. I realized without a doubt we were doing the right thing.

If we take God’s Word seriously, we should avoid debt when possible. In those rare cases where we go into debt, we should make every effort to get out as soon as we can. We should never undertake debt without prayerful consideration and wise counsel. Our questions should be, Why go into debt? Is the risk called for? Will the benefits of becoming servants to the lender really outweigh the costs? What should we ask ourselves before going into debt? Before we incur debt, we should ask ourselves some basic spiritual questions: Is the fact that I don’t have enough resources to pay cash for something God’s way of telling me it isn’t his will for me to buy it? Or is it possible that this thing may have been God’s will but poor choices put me in a position where I can’t afford to buy it? Wouldn’t I do better to learn God’s lesson by foregoing it until—by his provision and my diligence—I save enough money to buy it? What I would call the “debt mentality” is a distorted perspective that involves invalid assumptions: • We need more than God has given us. • God doesn’t know best what our needs are. • God has failed to provide for our needs, forcing us to take matters into our own hands. • If God doesn’t come through the way we think he should, we can find another way. • Just because today’s income is sufficient to make our debt payments, tomorrow’s will be too (i.e., our circumstances won’t change). Those with convictions against borrowing will normally find ways to avoid it. Those without a firm conviction against going into debt will inevitably find the “need” to borrow. The best credit risks are those who won’t borrow in the first place. The more you’re inclined to go into debt, the more probable it is that you shouldn’t. Ask yourself, “Is the money I’ll be obligated to repay worth the value I’ll receive by getting the money or possessions now? When it comes time for me to repay my debt, what new needs will I have that my debt will keep me from meeting? Or what new wants will I have that will tempt me to go further into debt?” Consider these statements of God’s Word: • “True godliness with contentment is itself great wealth. After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. So if we have enough food and clothing, let us be content” (1 Timothy 6:6-8). • “Those who love money will never have enough. How meaningless to think that wealth brings true happiness!” (Ecclesiastes 5:10). • “My child, don’t lose sight of common sense and discernment. Hang on to them, for they will refresh your soul. They are like jewels on a necklace. They keep you safe on your way, and your feet will not stumble. You can go to bed without fear; you will lie down and sleep soundly. You need not be afraid of sudden disaster or the destruction that comes upon the wicked, for the LORD is your security. He will keep your foot from being caught in a trap” (Proverbs 3:21-26). • “Don’t copy the behavior and customs of this world, but let God transform you into a new person by changing the way you think. Then you will learn to know God’s will for you, which is good and pleasing and perfect” (Romans 12:2).

Trouble free payday loans. A payday loan is your remedy to an immediate have to have for money. A payday loans seems to be rather attractive. If you have a job, you can actually get a payday loan. Occasionally, consumers without having profession can get a payday loan. It is actually not straightforward to modify your spending budget without the need of a loan. You will find a lot of payday loan suppliers. Individuals also give payday loans. Typically, the rate of interest will be the most important aspect of any payday loan. You ought to usually be in a position to pay back the quantity borrowed. A payday loan can be fantastic after you possess a job or else it can be a disaster. You will have dollars deposited within your bank’s saving account around the exact same day. High rates of interest on a loan is usually Pikavippikioski.fi particularly difficult to manage. Payday loans can be a superb quick option but not a long-term solution. You will obtain the money inside your savings or present account. There is an arrangement for direct deduction out of your income created into the account. This can be a approach that may be set to run automatically and also you do not have to accomplish something. It's essential to understand that a payday loan is known as a short-term loan only. You have to spend a larger price of interest on a payday loan. Many people without having a job would need to supply some other safety of repayment. If you have bad credit, a payday loan may be the only answer. You often require a very good credit rating to get a loan. Of all loans, a payday loan will be the most effective and least complicated way for you to get money swiftly. Occasionally folks take out extra than one payday loan. If you usually do not spend the amount on time, the interest begins to add up seriously. It can be important that you just understand almost everything about a payday loan. What takes place when the time comes for trying to repay the loan? Some nations take into account a payday loan as terrible for the individual. The majority of people in no way look at a payday loan from every single angle. You can not acquire plenty of cash if you have pretty small revenue. The interest plus the principal on a payday loan can add up incredibly promptly. The perfect point to perform is pay the interest in addition to a small on the principal quantity each week. A payday loan is anything to assist you more than your immediate complications. You may have seen that banks take a while to agree a loan. In most cases, the interest is normally deducted just before the deposit is produced. The more rapidly you repay the principal amount the much better it is for you, as you have to pay much less as interest. It is best to never ever go in for any payday loan anytime you'll need money. Payday loan corporations are bobbing up all more than the nation. One can find nations exactly where it really is illegal; to charge such high interest rates. The concept behind a payday loan is always to tide you over your immediate issues. A payday loan really should by no means become the norm but it should be an exception. You could have to spend a price in exorbitant rates of interest if you usually do not pay up in time. A payday loan is beneficial for immediate payment of bills.

As Frank promised, there was no other public explosion. Still. The multiple times when she came home to find him idle again, just sitting on the sofa staring at the rug, were unnerving. She tried; she really tried. But every bit of housework—however minor—was hers: his clothes scattered on the floor, food-encrusted dishes in the sink, ketchup bottles left open, beard hair in the drain, waterlogged towels bunched on bathroom tiles. Lily could go on and on. And did. Complaints grew into one-sided arguments, since he wouldn’t engage. “Where were you?” “Just out.” “Out where?” “Down the street.” Bar? Barbershop? Pool hall. He certainly wasn’t sitting in the park. “Frank, could you rinse the milk bottles before you put them on the stoop?” “Sorry. I’ll do it now.” “Too late. I’ve done it already. You know, I can’t do everything.” “Nobody can.” “But you can do something, can’t you?” “Lily, please. I’ll do anything you want.” “What I want? This place is ours.” The fog of displeasure surrounding Lily thickened. Her resentment was justified by his clear indifference, along with his combination of need and irresponsibility. Their bed work, once so downright good to a young woman who had known no other, became a duty. On that snowy day when he asked to borrow all that money to take care of his sick sister in Georgia, Lily’s disgust fought with relief and lost. She picked up the dog tags he’d left on the bathroom sink and hid them away in a drawer next to her bankbook. Now the apartment was all hers to clean properly, put things where they belonged, and wake up knowing they’d not been moved or smashed to pieces. The loneliness she felt before Frank walked her home from Wang’s cleaners began to dissolve and in its place a shiver of freedom, of earned solitude, of choosing the wall she wanted to break through, minus the burden of shouldering a tilted man. Unobstructed and undistracted, she could get serious and develop a plan to match her ambition and succeed. That was what her parents had taught her and what she had promised them: To choose, they insisted, and not ever be moved. Let no insult or slight knock her off her ground. Or, as her father was fond of misquoting, “Gather up your loins, daughter. You named Lillian Florence Jones after my mother. A tougher lady never lived. Find your talent and drive it.” The afternoon Frank left, Lily moved to the front window, startled to see heavy snowflakes powdering the street. She decided to shop right away in case the weather became an impediment. Once outside, she spotted a leather change purse on the sidewalk. Opening it she saw it was full of coins—mostly quarters and fifty-cent pieces. Immediately she wondered if anybody was watching her. Did the curtains across the street shift a little? The passengers in the car rolling by—did they see? Lily closed the purse and placed it on the porch post. When she returned with a shopping bag full of emergency food and supplies the purse was still there, though covered in a fluff of snow. Lily didn’t look around. Casually she scooped it up and dropped it into the groceries. Later, spread out on the side of the bed where Frank had slept, the coins, cold and bright, seemed a perfectly fair trade. In Frank Money’s empty space real money glittered. Who could mistake a sign that clear? Not Lillian Florence Jones.

This is a favourite fallacy of today’s economics, which lacks a coherent concept of time—or, at least, it has a mechanical technique for dealing with time which can be applied uncritically. The key principle underlying the treatment of time here is the rate of interest. Economics recognises that if a person needs to borrow money from another person with whom he or she is not in a close reciprocal relationship, then the lender will reasonably expect to get something back for the money he provides (usually interest), in the same way as any other provider of goods and services. That introduces the principle of “discount”—money you won’t have until a future time is worth less than it would be worth if you had it now. The problem arises when the discount principle is applied to other assets. For example, the value in a hundred years’ time of a stock—such as a fishery—discounted at a rate of 3% per year, is just 5% of its present value, and if a valuation of this kind is taken literally, it can be used as a justification for fishing it to destruction now, because it is a depreciating asset. The fact that the interest rate calculation can be made does not necessarily mean that people will be foolish enough to make it, or to apply it uncritically, but, if they do, economics provides an apparent justification.

In a letter written to the play's director, Peter Wood, on 30th March 1958, just before the start of rehearsals, Pinter rightly refused to add extra lines explaining or justifying Stanley's motives in withdrawing from the world into a dingy seaside boarding-house: 'Stanley cannot perceive his only valid justification - which is he is what he is - therefore he certainly can never be articulate about it.' But Pinter came much closer than he usually does to offering an explanation of the finished work: We've agreed: the hierarchy, the Establishment, the arbiters, the socio- religious monsters arrive to affect censure and alteration upon a member of the club who has discarded responsibility (that word again) towards himself and others. (What is your opinion, by the way, of the act of suicide?) He does possess, however, for my money, a certain fibre - he fights for his life. It doesn't last long, this fight. His core being a quagmire of delusion, his mind a tenuous fuse box, he collapses under the weight of their accusation - an accusation compounded of the shit- stained strictures of centuries of 'tradition'. This gets us right to the heart of the matter. It is not simply a play about a pathetic victim brainwashed into social conformity. It is a play about the need to resist, with the utmost vigour, dead ideas and the inherited weight of the past. And if you examine the text, you notice how Pinter has toughened up the original image of the man in the Eastbourne digs with 'nowhere to go'. Pinter's Stanley Webber - a palpably Jewish name, incidentally - is a man who shores up his precarious sense of self through fantasy, bluff, violence and his own manipulative form of power-play. His treatment of Meg initially is rough, playful, teasing: he's an ersatz, scarpegrace Oedipus to her boardinghouse Jocasta. But once she makes the fateful, mood-changing revelation - 'I've got to get things in for the two gentlemen' - he's as dangerous as a cornered animal. He affects a wanton grandeur with his talk of a European concert tour. He projects his own fear on to Meg by terrorising her with stories of nameless men coming to abduct her in a van. In his first solo encounter with McCann, he tries to win him over by appealing to a shared past (Maidenhead, Fuller's tea shop, Boots library) and a borrowed patriotism ('I know Ireland very well. I've many friends there. I love that country and I admire and trust its people... I think their policemen are wonderful'). At the start of the interrogation he resists Goldberg's injunction to sit down and at the end of it he knees him in the stomach. And in the panic of the party, he attempts to strangle Meg and rape Lulu. These are hardly the actions of a supine victim. Even though Stanley is finally carried off shaven, besuited, white-collared and ostensibly tamed, the spirit of resistance is never finally quelled. When asked how he regards the prospect of being able to 'make or break' in the integrated outer world, he does not stay limply silent, but produces the most terrifying noises.

Bill Clinton's political formula for seizing the presidency was simple. He made money tight in the ghettos and let it flow free on Wall Street. He showered the projects with cops and bean counters and pulled the ops off the beat in the financial services sector. And in one place he created vast new mountain ranges of paperwork, while in another paperwork simply vanished. After Clinton, just to get food stamps to buy potatoes and flour, you suddenly had to hand in a detailed financial history dating back years, submit to wholesale invasions of privacy, and give in to a range of humiliating conditions. Meanwhile banks in the 1990s were increasingly encouraged to lend and speculate without filing out any paperwork at all, and eventually borrowers were freed of the burden of even having to show proof of income when they took out mortgages or car loans.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

Know Singapore’s Credit Bureau to Get License Money Lender Approval Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money. History of CBS Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank. Key Role of CBS on Licensed Money Lender Loan Approval The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS. The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary. Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.

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

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.

Davy Crockett said: "This thing remember, when I am dead: Be sure you are right, then go ahead." It is this go-aheaditiveness, this determination not to let the "horrors" or the "blues" take possession of you, so as to make you relax your energies in the struggle for independence, which you must cultivate. How many have almost reached the goal of their ambition, but, losing faith in themselves, have relaxed their energies, and the golden prize has been lost forever. It is, no doubt, often true, as Shakespeare says: "There is a tide in the affairs of men, Which, taken at the flood, leads on to fortune." If you hesitate, some bolder hand will stretch out before you and get the prize. Remember the proverb of Solomon: "He becometh poor that dealeth with a slack hand; but the hand of the diligent maketh rich." Perseverance is sometimes but another word for self-reliance. Many persons naturally look on the dark side of life, and borrow trouble. They are born so. Then they ask for advice, and they will be governed by one wind and blown by another, and cannot rely upon themselves. Until you can get so that you can rely upon yourself, you need not expect to succeed.

I was a very nervous kid, I was anxious all the time when I was younger, but what's nice is that some of the things I was anxious about don't bother me at all anymore. Like, uh, I always thought that quicksand was going to be a much bigger problem than it turned out to be. Because if you watch cartoons, quicksand is like the third biggest thing you have to worry about in adult life behind real sticks of dynamite and giant anvils falling on you from the sky. I used to sit around and think about what to do about quicksand. I never thought about how to handle real problems in adult life, I was never like "Oh, what's it gonna be like when relatives ask to borrow money?" Now that I've gotten older, not only have I never stepped in quicksand—I've never even heard about it! No one's ever been like, "Hey if you're coming to visit, take I-90 'cause I-95 has a little quicksand in the middle. Looks like regular sand, but then you're gonna start to sink into it.

Like money, books must be kept in constant circulation. Lend and borrow to the maximum—of both books and money! But especially books, for books represent infinitely more than money. A book is not only a friend, it makes friends for you. When you have possessed a book with mind and spirit, you are enriched. But when you pass it on you are enriched threefold.

from around the precious plants. The fresh air was exhilarating and John’s aunt chatted merrily about times gone by and what Italy had been like when she and John’s mother were children. ‘But that was before the war,’ she sighed. ‘It is far behind us.’ As Mary Anne pulled Mathilda’s blanket a little higher around the cherry-pink face, a thought occurred to her. ‘I think I have something that used to belong to your sister – perhaps to you too.’ ‘Oh?’ Maria eyed her quizzically. ‘Yes,’ said Mary Anne, and went on to tell her about the time John had come to borrow money against a silver crucifix that she’d guessed had belonged to his mother. ‘He’d wanted the money for Daw’s engagement and wedding ring. I gave him the money but never sold the cross on. I couldn’t do it somehow. I kept thinking that one day he might want it back.’ ‘You have this?’ said Maria, her eyes shining. ‘You remember it?’ Maria clapped her hands together. ‘Of course I do!’ ‘Michael found it in the ruins of the pawn shop. I still have it.’ She turned and looked with gratitude into Maria’s dark eyes. ‘You’ve been so kind to me. You must have it back.’ Maria’s eyes brimmed with tears. ‘It is a pleasure. I cannot thank you enough.’ They sat on a park bench. Mathilda was sitting up, observing everything with unusual interest. ‘She’s a lovely child,’ said Maria. Mary Anne murmured a reply. Her eyes were elsewhere, her attention caught by a man in a trench coat walking along the path at the side of the bowling green. She fancied he had been staring at them. 19 Lizzie and the wing commander had been travelling between airfields, ‘co-ordinating events’ as Hunter liked to call it, when he’d spotted a dog fight in the distance. Streaks of white vapour trail criss-crossed the sky as the Messerschmitt and the Spitfire locked horns above the English countryside. In their midst was a low-flying bomber, the bone of contention between the two. Hunter got out a pair of binoculars. Lizzie shaded her eyes with her hand. ‘They’re chasing the bomber.’ ‘Correction,’ Hunter said slowly. ‘The Spitfire is chasing the

consider a young Tunisian man pushing a wooden handcart loaded with fruits and vegetables down a dusty road to a market in the Tunisian town of Sidi Bouzid. When the man was three, his father died. He supports his family by borrowing money to fill his cart, hoping to earn enough selling the produce to pay off the debt and have a little left over. It’s the same grind every day. But this morning, the police approach the man and say they’re going to take his scales because he has violated some regulation. He knows it’s a lie. They’re shaking him down. But he has no money. A policewoman slaps him and insults his dead father. They take his scales and his cart. The man goes to a town office to complain. He is told the official is busy in a meeting. Humiliated, furious, powerless, the man leaves. He returns with fuel. Outside the town office he douses himself, lights a match, and burns. Only the conclusion of this story is unusual. There are countless poor street vendors in Tunisia and across the Arab world. Police corruption is rife, and humiliations like those inflicted on this man are a daily occurrence. They matter to no one aside from the police and their victims. But this particular humiliation, on December 17, 2010, caused Mohamed Bouazizi, aged twenty-six, to set himself on fire, and Bouazizi’s self-immolation sparked protests. The police responded with typical brutality. The protests spread. Hoping to assuage the public, the dictator of Tunisia, President Zine el-Abidine Ben Ali, visited Bouazizi in the hospital. Bouazizi died on January 4, 2011. The unrest grew. On January 14, Ben Ali fled to a cushy exile in Saudi Arabia, ending his twenty-three-year kleptocracy. The Arab world watched, stunned. Then protests erupted in Egypt, Libya, Syria, Jordan, Kuwait, and Bahrain. After three decades in power, the Egyptian dictator Hosni Mubarak was driven from office. Elsewhere, protests swelled into rebellions, rebellions into civil wars. This was the Arab Spring—and it started with one poor man, no different from countless others, being harassed by police, as so many have been, before and since, with no apparent ripple effects. It is one thing to look backward and sketch a narrative arc, as I did here, connecting Mohamed Bouazizi to all the events that flowed out of his lonely protest. Tom Friedman, like many elite pundits, is skilled at that sort of reconstruction, particularly in the Middle East, which he knows so well, having made his name in journalism as a New York Times correspondent in Lebanon. But could even Tom Friedman, if he had been present that fatal morning, have peered into the future and foreseen the self-immolation, the unrest, the toppling of the Tunisian dictator, and all that followed? Of course not. No one could. Maybe, given how much Friedman knew about the region, he would have mused that poverty and unemployment were high, the number of desperate young people was growing, corruption was rampant, repression was relentless, and therefore Tunisia and other Arab countries were powder kegs waiting to blow. But an observer could have drawn exactly the same conclusion the year before. And the year before that. Indeed, you could have said that about Tunisia, Egypt, and several other countries for decades. They may have been powder kegs but they never blew—until December 17, 2010, when the police pushed that one poor man too far.

Why don’t we pass a law that says when you borrow money to buy somebody else and cannibalize him, the interest payments on those loans are not deductible? That would get the excesses out of the system pretty fast. Right now, if you want to buy up a competitor, generally you can’t. That would violate the antitrust laws. But if you want to buy a company that does something else entirely, that’s okay. Where’s the sense in that?

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