A Quote by Thomas S. Monson
I urge you to live within your means. One cannot spend more than one earns and remain solvent. I promise you that you will then be happier than you would be if you were constantly worrying about how to make the next payment on nonessential debt.
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When men and women across the country reported how happy they felt, researchers found that jugglers were happier than others. By and large, the more roles, the greater the happiness. Parents were happier than nonparents, and workers were happier than nonworkers. Married people were much happier than unmarried people. Married people were generally at the top of the emotional totem pole.
If rather than setting the minimum balance as the lowest possible amount, so we keep people in debt for as long as possible, we raise the minimum payment and encourage people to pay off their credit cards, we're going to make less money, but we're going to have costumers that are more solvent.
You will be happy. Will it satisfy you if I say again I will keep a promise I made before? Tomorrow you will be happier than today, the day after tomorrow you will be happier than tomorrow. I promise you.
Most people don't know this, but if you settle a debt for less than the amount you owed, you are potentially responsible for taxes on the forgiven debt. Look at it this way: You received goods and services for the full amount of debt, but you're only paying for a portion of it - sometimes less than 50%. Anything more than $600 is generally considered taxable, but the IRS will sometimes waive the tax if you can prove that your assets were less than your liabilities when the debt was settled.
What you think means more than anything else in your life. More than what you earn, more than where you live, more than your social position, and more than what anyone else may think about you.
Listen to your conscience regarding something that you simply know you should do, then start small on it - make a promise and keep it. Then move forward and make a little larger promise and keep it. Eventually you'll discover that your sense of honor will become greater than your moods, and that will give you a level of confidence and excitement that you can move to other areas where you feel you need to make improvements or give service.
Any Government, like any family, can for a year spend a little more than it earns. But you and I know that a continuation of that habit means the poorhouse.
Men and women alike, if you think that altering the tip of your nose with surgery will make you happier, I would suggest you alter something much more malleable than your flesh, like your priorities, or your friends.
Live within your means, never be in debt, and by husbanding your money you can always lay it out well. But when you get in debt you become a slave. Therefore I say to you never involve yourself in debt, and become no man's surety.
But with respect to future debt; would it not be wise and just for that nation to declare in the constitution they are forming that neither the legislature, nor the nation itself can validly contract more debt, than they may pay within their own age, or within the term of 19 years.
Nothing would make me happier than to train the next winner on 'The Biggest Loser' because it means the world to me. Everybody has a fighter inside them, they just don't realize it.
As a Buddhist, I view death as a normal process, a reality that I accept will occur as long as I remain in this earthly existence. Knowing that I cannot escape it, I see no point in worrying about it. I tend to think of death as being like changing your clothes when they are old and worn out, rather than as some final end. Yet death is unpredictable: We do not know when or how it will take place. So it is only sensible to take certain precautions before it actually happens.
The greatest economic minds of the 19th century, all of them without exception, considered economic growth as a temporary necessity. When all human needs are satisfied, then we will have a stable economy, reproducing every year the same things. We will stop straining ourselves worrying about development or growth. How naïve they were! One more reason to be reluctant about predicting the future. No doubt they were wiser than me, but even they made such a mistake!
When I think about that kind of spirit, I think about my mother, who is standing here with me tonight. My mother is the embodiment of what it means to have a Texas spirit, because she wanted nothing more than for her children to have a better life than she had, to have an education beyond the ninth-grade education that she had, to live happier lives, more successful ones than she had been able to live. And you know what? She raised the daughter who ran for governor.
Entitlements is not sic the issue. And if so, cool heads can sit down and engage the American people and tell us how many seniors in nursing homes do we want to throw out in the street? ... And then who wants to make a fuss about Medicare when it's solvent until 2024? ... Who wants to make a fuss about Social Security when it's solvent - and it's about, 'You earned it'?
Markets can remain irrational longer than you can remain solvent.
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