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

"Silver surfers ... nah, that's old hat. Retire a gold surfer with Cosmic Ordering."
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Personal Development

"Some people will each start investing more of their salary on 'their' house and spending less of it on 'their' car or cars only when they start being able to take 'their' house to work, funerals, weddings, etc."
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Personal Development

"Don't think money does everything or you are going to end up doing everything for money."
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Personal Development

"The poor want a few dollars more - the rich focus on making more."
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Personal Development

"The only thing that counts in life is solid, material assets. It's no time for theories when everything is falling to pieces around us."
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Personal Development

"Do you want to retire early rich or retire late poor? Cosmic Ordering answers the first question!"
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Personal Development

"Let me give you a tip on a clue to men's characters: the man who damns money has obtained it dishonorably, the man who respects it has earned it."
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Personal Development

"Don't spend your money on luxuries. Save it and secure a safe future. Don't crave for quick satisfaction."
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Personal Development

"If you solely focus only on financial survival then that is where you will always be."
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Personal Development
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"Men, she thought, were odd about their clothes: they liked to wear the same things until they became defeated and threadbare."
Observation

"Did it make a difference if the remark never got back to the person about whom it was made? She thought not. The harm is done when the words are uttered: that is the act of belittlement, the act of diminishing the other, and it is that act which would cause pain to the victim. You said that about me? The wrong was located in the making of the cruel remark, rather than in the pain it might later cause."
Ethics

"She knew that she had a tendency to allow her mind to wander, but surely that's what made the world interesting. One thought led to another, one memory triggered another. How dull it would be, she thought, not to be reminded of the interconnectedness of everything, how dull for the present not to evoke the past, for here not to imply there."
Mind

"Memories of that which we have lost are curious things - weeks, months, even years may pass without recollection of them and then, quite suddenly, something will remind us of a lost friend, or of a favourite possession that has been mislaid or destroyed, and then we think: Yes, that is what I have had and I have no longer."
Memory

"So it was in Botswana, almost everywhere; ties of kinship, no matter how attenuated by distance or time, linked one person to another, weaving across the country a human blanket of love and community. And in the fibres of that blanket there were threads of obligation that meant that one could not ignore the claims of others. Nobody should starve; nobody should feel that they were outsiders; nobody should be alone in their sadness."
Society

"That was the trouble with people in general: they were surprisingly unrealistic in their expectations."
Wisdom

"You can go through life and make new friends every year - every month practically - but there was never any substitute for those friendships of childhood that survive into adult years. Those are the ones in which we are bound to one another with hoops of steel."
Relationship

"Isabel is looking at several collections of research journals. 'She would understand the issues if she chose to open one of the volumes, but she knew that there were conversations within which she would never have the time to participate in. And that, of course, was the problem with any large collection of books, whether in a library or a bookshop: one might feel intimidated by the fact that there was simply too many to read and not know where to start."
Education

"There are many sadnesses in the hearts of men who are far away from their countries."
Emotion

"The ordinary people of Africa tended not to have room in their hearts for hatred. They were sometimes foolish, like people anywhere, but they did not bear grudges, as Mr Mandela had shown the world."
Society
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