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.

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.

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.

No company can promise an end date, but if you have multiple debts, the first one should be settled within a year.

Democracy is a system were ignorants choose a government, comunism is a system where ignorants govern themselves.

Love took up the harp of Life, and smote on all the chords with might; Smote the chord of Self, that, trembling, passed in music out of sight.

Be known for pleasing others, especially if you govern them. Ruling other has one advantage: you can do more good than anyone else.

When you automate an industry you modernize it; when you automate a life you primitivize it.

The worst thing for an effective war on terror is the suspicion of states about the objectives.

I don't know what I'm going to write when I begin to write. It feels like you are walking down a path, but you can't see around the bend and you don't know where you are going to go, which is fun.

If a man sits down to think, he is immediately asked if he has a headache.

Unhappy is the man, though he rule the world, who doesn't consider himself supremely blessed.

I do not share the general view that market forces are the basis of personal liberty.

Tokyo may have more money and Kyoto more culture; Nara may have more history and Kobe more style. But Osaka has the biggest heart.