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"The value of money is subjective, depending on age. At the age of one, one multiplies the actual sum by 145,000, making one pound seem like 145,000 pounds to a one-year-old. At seven " Bertie's age " the multiplier is 24, so that five pounds seems like 120 pounds. At the age of twenty four, five pounds is five pounds; at forty five it is divided by 5, so that it seems like one pound and one pound seems like twenty pence. (All figures courtesy of Scottish Government Advice Leaflet: Handling your Money.)"
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"Creditor. One of a tribe of savages dwelling beyond the Financial Straits and dreaded for their desolating incursions."

"Once you deposit that money in your checking account, it becomes the bank's money and you're just another one of their creditors."

"Money is only a problem to those that aren't willing to develop a higher conscience about how to master it."

"Organized scarcity is the best way to increase your profits.This is the idea of the ends justify the means. There are second and third order effects that will take away all of the gains and then some. Wisdom is better than gold, peace is better than profit."

"A sure way to go broke is to spend your outer riches before you have saved enough of your inner ones."

"Sharpen and trust your judgement: learn when spending is a shrewd investment and when it is merely an indulgence."

"Investing is a simple process of taking into account the present value and future value. The other major factor to understand here, is what you lose as a result of inaction. Consider what you can gain and what you can lose in your decision."
Explore more quotes by Alexander McCall Smith

"There was no point in telling somebody not to cry, she had always thought; indeed there were times when you should do exactly the opposite, when you should urge people to cry, to start the healing that sometimes only tears can bring. But if there was a place for tears of relief, there might even be a place for tears of pride."

"Morality is for everybody, and this means that the views of more than one person are needed to create it. That was what made the modern morality, with its emphasis on individuals and the working out of an individual position, so weak. If you gave people the chance to work out their morality, then they would work out the version which was easiest for them and which allowed them to do what suited them for as much of the time as possible. That, in Mma Ramotswe's view, was simple selfishness, whatever grand name one gave to it."

"How often have I noticed or, indeed, listened to him? We talk, but do I actually listen, or is our conversation mainly a question of my waiting for him to stop and for it to be my turn to say something? For how many of us is that what conversation means - the setting up of our lines?"

"Antonia was very conscious of the corrosive power of envy and felt that it was this emotion, more than any other, which lay behind human unhappiness. People did not realise how widespread envy was."

"She did not think that those who were late, or the ancestors themselves, would wish punishment upon us, no matter what our transgressions. It was far more likely that there would be love, falling like rain from above, changing the hearts of the wicked; transforming them."

"Moral beauty existed as clearly as any other form of beauty and perhaps that was where we could find the God who was so vividly, and sometimes bizarrely, described in our noisy religious explanations. It was an intriguing thought, as it meant that a concert could be a spiritual experience, a secular painting a religious icon, a beguiling face a passing angel."

"The value of money is subjective, depending on age. At the age of one, one multiplies the actual sum by 145,000, making one pound seem like 145,000 pounds to a one-year-old. At seven " Bertie's age " the multiplier is 24, so that five pounds seems like 120 pounds. At the age of twenty four, five pounds is five pounds; at forty five it is divided by 5, so that it seems like one pound and one pound seems like twenty pence. (All figures courtesy of Scottish Government Advice Leaflet: Handling your Money.)"

"It's because there are too many people who want to stop us having fun. That's the reason."

"It was always the best way of finding out information; just go and ask a woman who keeps her eyes and ears open and who likes to talk. It always worked. It was no use asking men; they simply were not interested enough in other people and the ordinary doings of people. That is why the real historians of Africa had always been the grandmothers, who remembered the lineage and the stories that went with it."
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