We spend our way to the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being.

If you're comfortable with yourself, then you'll look beautiful. If you're not feeling comfortable with yourself, than that kind of shows. I think that as cheesy as the pageant industry can be seen at times, it actually does help women - boosting their confidence and growing into their own. I have to give it credit for that.

In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.'

The Fed contributed to the financial crisis, keeping interest rates too low for too long. I give them credit for responding and stabilizing the economy and the financial sector during the crisis. But then they tried to do too much with quantitative easing that went on forever, just dramatically exploding their balance sheets.

If you help disabled children, it's very appealing. If you help kids with cancer, those are the things you get credit for and those things are beautiful. But when it comes to stopping violence or really putting the time into rebuilding schools, that's just a different kind of project. It takes more than just money to do that.

As a small business owner, I've had to find ways to keep costs as low as possible while still providing customers with the ability to use their credit cards for payments. Many credit card processing companies are so expensive when it comes to fees that it started to feel like a losing proposition to offer this payment option.

Secured cards can be helpful credit rebuilding tools for two reasons. First, because of the collateral, you can get them at a time when you're not likely to be approved for nonsecured cards. And as long as you maintain an on-time payment history, they can help you start to build a recent credit history that's fairly pristine.

Generally, an indie film in the U.K. is put together much like in the states. We got a tax credit. You sell the domestic rights, which can be quite low, but it's enough to push you over the line. And you get a tax credit on top of that, and then you cobble it together with private equity or gap financing and things like that.

When I became White House press secretary, there were other limitations that were thrust upon me. Bill Clinton was under pressure to appoint women to visible positions. I was 31, I'd never worked in Washington. Was I ready for this large and visible job? Still he wanted the credit. So he gave me the job but diminished the job.

The electronics industry expanded rapidly and the seeds for the semiconductor and software revolution were planted. The postwar period also saw the suburbanization of America, the rise of the homeowner, the build-out of the interstate highway system, and the rise of automobile culture. Credit availability expanded dramatically.

I know from my own experience as a parent that parents probably teach most powerfully not through their words but through their deeds. And my parents taught me through the stories of their lives. And I don't take any credit for the things that they did or the things that they experienced, but they made a great impression on me.

I do not understand where the backing of Bitcoin is coming from. There is no fundamental issue of capabilities of repaying it in anything which is universally acceptable, which is either intrinsic value of the currency or the credit or trust of the individual who is issuing the money, whether it's a government or an individual.

When you shop online, wouldn't you like to sample the bouquet of wines, the aroma of cigars, or the subtle fragrance of flowers before surrendering your credit card number? Surely more companies will want to aromatize their Web presence when they realize there's a device that can produce genuinely pleasing, authentic fragrances.

As you know, in the latter part of 2008 and early 2009, the Federal Reserve took extraordinary steps to provide liquidity and support credit market functioning, including the establishment of a number of emergency lending facilities and the creation or extension of currency swap agreements with 14 central banks around the world.

I think parenting these days is definitely different from when a lot of people grew up. As much blame as we give a lot of our kids for what they're not doing... I also try to give them as much credit for dealing with things that we didn't have to deal with. Bullying was one on one and face to face. Now it's all over the Internet.

I'm not proud of this at all, but I'm someone who has relied on business managers and accountants and career managers to run the whole bureaucratic side of my life for the last 16 years, so anything, from filing tax returns to paying credit card statements, is something that I feel rather fortunate to have been out of the loop on.

One of the beautiful gifts of dance is that you're so in tune with your body so early on. I was very comfortable in my skin at a very early age, performing onstage and wearing interesting costumes. And I give so much credit to my mom - she never made me feel that my costume was wrong, or bad, even when there was not a lot to them!

The credit of my good upbringing goes to my mother, who's not only been a single parent to my brother and I, but she's also been 'our' manager for the longest time. Our father, on the other hand, remained elusive and away from the family for most part of our lives, which left a certain void but also made us creative and reflective.

We never went into a game that we did not feel sure of winning, and when we lost, we blamed it on hard luck or the umpires. We never gave any other team credit for being able to play ball, and the result was that we were hard to beat. If I could get my team to be confident, I think we would work our way to the front pretty quickly.

Over and over again, financial experts and wonkish talking heads endeavor to explain these mysterious, 'toxic' financial instruments to us lay folk. Over and over, they ignobly fail, because we all know that no one understands credit default obligations and derivatives, except perhaps Mr. Buffett and the computers who created them.

Limos, from the beginning of time, they know who they're picking up, they usually have a credit card on file, they know where the pickup location is, and so there's essentially a prearrangement of sorts, and, of course, the limo customer knows the driver, knows the company, knows the rates. All we've done is make it more accessible.

Viewed from a distance, or through the eye of the All-Knowing CEO of the Universe, the crash of 2008 followed the usual pattern. A long-lived boom driven by cheap credit, going back as far as 1982 (though subject to interruptions in the mid-1980s and 1990s, and in 2001), came to grief because of a rise in the cost of borrowing money.

The Cubs, we built one of best farm systems - I think for a while there, it was the best farm system in baseball. And that was great. It got a lot of attention. But we didn't want the credit for the farm system. What we wanted was to see if we could do the tricky part, which was turn a lauded farm system into a World Series champion.

I always used to travel without a passport case, and because of it I think I'm four passports in. I bought this small Tumi case to protect my new one, and it works really well, not just for protecting it but also for keeping credit cards and small stuff. I just throw it in my bag when I'm traveling, as opposed to stuffed in my pocket.

The truth is, I never travel without cash. I always take a few tens with me in case of an emergency. There's never been an emergency, and in time, I realized that Americans don't want to touch customers' dirty bills. They also don't want to touch your credit card: you have to put it through the machine yourself, with your own fingers.

In West Texas, where I grew up, I had a wind farm planned. I'd gotten the turbines bought and the land acquired, and then the renewable energy credit imploded, and it killed the margins, so the deal never worked, but the investment bank I was working with asked me and said, 'We really like what you did. Would you come to work for us?'

Maybe we need a tax credit for the poorest Americans to buy a laptop. Now, maybe that's wrong, maybe that's expensive, maybe we can't do it, but I'll tell you, any signal that we can send to the poorest Americans that says, 'We're going into a 21st century, third-wave information age, and so are you, and we want to carry you with us.'

Our contribution purely depends on our consciousness and our willingness to support those in need, to show vulnerability and accept the support of others, to share without expecting the credit, to give it our all and allow our hard work to decide the outcome, to understand that control can only be achieved with a shared responsibility.

The answers to feeding hungry children is not fewer dollars to feed hungry children, it's to do more. It is to raise the minimum wage. It is to increase, not dismantle, the earned income tax credit. It is to make college more affordable for more middle class families, not more expensive. These are the things that grow our middle class.

The working class of England take their deracination completely for granted. Disenchantment is the happy code that informs every byway of the underclass: service jobs, celebrity dreams, Lotto wins, leisured poverty on pre-crunch credit cards, it's all there, part of the story of an English people whose grandparents never had it so good.

Fortunately for me, I'm still evolving into the person I'm supposed to be. And though they don't know it yet, and may not come to accept it, I'm done living by their protocols or anyone else's. I'm the only one who will take credit for my successes. And I'm the only one who will take the blame for my mistakes. From now on, I live for me.

When I was on the 'Knock Madness' tour, I was just thinking about life; I started questioning God. I was praying a lot. I was just really emotional. I was going through a break up situation as well. And I just felt like I needed to be home. I was over the rap thing. I just felt like I wasn't getting the respect and credit that I deserve.

All loans, in the eyes of honest borrowers, must eventually be repaid. All credit is debt. Proposals for an increased volume of credit, therefore, are merely another name for proposals for an increased burden of debt. They would seem considerably less inviting if they were habitually referred to by the second name instead of by the first.

No one anticipates divorce when they're exchanging vows, and it can be devastating emotionally and financially. To ease the financial side of the blow, you need to maintain your financial identity in your relationship. That means having your own credit history - you need your own credit card - and your own savings and retirement accounts.

I think I have it all. But I won't say that the credit for all that goes to me. I think the credit for all that goes to everybody around me. I mean, I have it all because my entire family is so cooperative. I have it all because my children did not whine and cry when I was not there. So, I think it's, you know, in a way, a two-way street.

The NSA has built an infrastructure that allows it to intercept almost everything. With this capability, the vast majority of human communications are automatically ingested without targeting. If I wanted to see your emails or your wife's phone, all I have to do is use intercepts. I can get your emails, passwords, phone records, credit cards.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. It’s a trap for the rest of your life because the laws are designed so that you can’t get out of it. If a business, say, gets in too much debt it can declare bankruptcy, but individuals can almost never be relieved of student debt through bankruptcy.

For small community banks and credit unions, like those in Central and Northern Wisconsin, the hundreds of new rules will require an estimated 2,260,631 labor hours just for compliance. Those are hours that your local bank or credit union will spend dealing with some Washington bureaucrat instead of focusing on the needs of customers like you.

Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. It's a trap for the rest of your life because the laws are designed so that you can't get out of it. If a business, say, gets in too much debt, it can declare bankruptcy, but individuals can almost never be relieved of student debt through bankruptcy.

With Bitcoin, every transaction is publicly verified, so many risks are eliminated, including chargeback fraud or 'friendly fraud.' This is when a customer purchases something online with a credit card; waits to receive the goods or service, then requests a chargeback refund. The bank then forcibly takes the funds out of the merchant's account.

Sometimes I'd literally show up at the gym having a panic attack, and my trainer would be like, 'All right, let's just go get breakfast.' I can't give enough credit to him... he was really there for me, and not just like a trainer where it's like, 'Well, come on, man, I gotta pump you up.' He cared more about my mind and the state that I was in.

In about one-third of credit card consolidations, within a short period of time, the cards come back out of the wallet, and in no time at all, they're charged back up. Then you're in an even worse position, because you have the credit card debt and the consolidation loan to worry about. You're in a hole that's twice as deep - and twice as steep.

I spent my whole career thinking about risk, markets, infrastructure, and regulation. I had seen the financial crisis unfold, and I had seen the credit derivatives market get operationally ahead of itself, which resulted in systemic risk counterparty exposures. I began to believe that distributed ledgers had the capability to tackle that problem.

The basic aggregate measure of gearing or leverage is telling us that today's advanced economies' operating systems are more heavily dependent on private sector credit than anything we have ever seen before. Furthermore, this pattern is seen across all the advanced economies, and isn't just a feature of some special subset (e.g. the Anglo-Saxons).

I want you to say to me right from the start, "We are here to serve customers. We're not here for me to make a lot of money. We're not here to bet on interest rates or credit spreads. We are here to serve our customers really well over a long period of time, and that's how you build a successful business." And so I want to see that, too, you know?

I used to wonder: Is Huxley right or is Orwell right? It turns out they're both right. First you get the new world state and endless diversions as you are disempowered. And then, as we are watching, credit dries up, and the cheap manufactured goods of the consumer society are no longer cheap. Then you get the iron fist of Oceania, of Orwell's 1984.

Access to the national dividend is usually to be had only on condition of some productive service previously rendered or of some product previously sold. This condition is, in this case, not yet fulfilled. It will be fulfilled only after the successful completion of the new combinations. Hence this credit will in the meantime affect the price level.

You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts are reported, which is typically seven years from the date that the account was settled. Unlike with bankruptcy, there isn't a separate line on your credit report dedicated to debt settlement, so each account settled will be listed as a charge-off.

Of course I'm troubled by huge consumer debt levels - we've pushed consumer credit very hard in the US. Eventually, if it keeps growing, it will stop growing. As Herb Stein said, "If something cannot go on forever, it will stop." When it stops, it may be unpleasant. Other than Herb Stein's quote, I have no comment. But the things that trouble you are troubling me.

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