Even in the days of the tightest credit in 2008, HELOCs [ home equity line of credit ] and home equity loans were being made.

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

You can have a do-over starting today. But you have to get over the feeling that it's too late

It's not about having it all. It's about having what you value most.

You'll get much better results by being upfront, answering creditors calls, and responding to their letters. Delaying the inevitable only digs a deeper hole.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

A little personality goes a long way.

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.

One thing I want to make clear: You never want to hide from your debts. It doesn't work.

The interest rate you receive, however, is contingent on your credit score.

Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

All are lunatics, but he who can analyze his delusion is called a philosopher.

Terror starts picking at the seams of my mind, throwing hateful words like rapture and holocaust at me.

[John F.Kennedy] liked fresh company, new people to come visit and then leave. ... I think he liked the protection of numbers too.

Find a space where you can be creative and a place where you are open for free thinking, you want to enjoy what you are doing and do what you are best at.

The effort must be total for the results to be meaningful.

When we are dead : it is the living only who cannot be forgiven the living only from whom men's indulgence and reverence are held off, like the rain by the hard east wind .

The bikes have been sitting around, but now were getting them out and using them.

We could present spatially an atomic fact which contradicted the laws of physics, but not one which contradicted the laws of geometry.

Manipulated, one manipulates others.

Every artist, as child of his age, is impelled to express the spirit of his age.