Page 1


Money can’t buy you happiness but it does bring you a more pleasant form of misery. — Spike Milligan 2. The hardest thing in the world to understand is income tax. — Albert Einstein 1.


I’ve been rich and I’ve been poor: Rich is better. — Sophie Tucker


When you’ve got them by their wallets, their hearts and minds will follow. — Fern Naito


The only reason I made a commercial for American Express was to pay for my American Express bill. — Peter Ustinov


What’s the use of happiness? It can’t buy you money. — Henny Youngman


Money can’t buy friends, but you can get a better class of enemy. — Spike Milligan


We didn’t actually overspend our budget. The allocation simply fell short of our expenditure. — Keith Davis


To make a million, start with $900,000. — Morton Shulman


A bargain is something you can’t use at a price you can’t resist. — Franklin Jones


I told the Inland Revenue I didn’t owe them a penny because I lived near the seaside. — Ken Dodd


When I was young I used to think that money was the most important thing in life and now that I am old, I know it is.” — Oscar Wilde


It isn’t necessary to be rich and famous to be happy, it’s only necessary to be rich. — Alan Alda


A bank is a place that will lend you money if you prove that you don’t need it. — Bob Hope


Money isn’t everything but it sure keeps you in touch with your children. — J. Paul Getty


Whoever said money can’t buy happiness simply didn’t know where shop. — Bo Derek


Money is better than poverty, if only for financial reasons. — Woody Allen


My formula for success is rise early, work late and strike oil. — J.P. Getty


Every morning I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work. — Robert Orben


I’m spending a year dead for tax reasons. — Douglas Adams


I have never been in a situation where having money made it worse. — Clinton Jones


Part of the $10 million I spent on gambling, part on booze and part on women. The rest I spent foolishly. — George Raft


October: This is one of the particularly dangerous months to invest in stocks. Other dangerous months are July, January, September, April, November, May, March, June, December, August and February. — Mark Twain


It is only by not paying ones bills that one can hope to live in the memory of the commercial classes. — Oscar Wilde


If God only gave me a clear sign, like making a large deposit in my name at a Swiss bank. — Woody Allen


Money is something you have to make in case you don’t die. — Max Asnas


It’s morally wrong to allow a sucker to keep his money. — WC Fields


I wish that dear Karl could have spent more time acquiring capital instead of merely writing about it. — Jenny Marx


There are three ways of losing money: racing is the quickest, women the most pleasant, and farming the most certain. — Lord Amherst


Undermine the entire economic structure of society by leaving the pay toilet door ajar so the next person can get in free. — Taylor Meade


One of the strange things about life is that the poor, who need money the most, are the very ones that never have it. — Finley Peter Dunne


The big difference between sex for money and sex for free is that sex for money costs less. — Brendon Francis


If you owe the bank $100 that’s your problem. If you owe the bank $100 million, that’s the bank’s problem. — J.P. Getty


Money isn’t everything, but it’s a long way ahead of what comes next. — Edmund Stockdale


Women prefer men who have something tender about them - especially legal tender. — Kay Ingram


Finance is the art of passing currency from hand to hand until it finally disappears. — Robert W. Sarnoff


No matter how rich you become, how famous or powerful, when you die the size of your funeral will still pretty much depend on the weather. — Michael Pritchard


Alexander Hamilton originated the put and take system in our national treasury: the taxpayers put it in, and the politicians take it out. — Will Rogers


Money is the opposite of the weather. Nobody talks about it, but everybody does something about it. — Rebecca Johnson


You can’t buy love, but you can pay heavily for it — Henny Youngman


Why is there so much month left at the end of the money? — John Barrymore


When a person with money meets a person with experience, the person with the experience winds up with the money and the person with the money winds up with the experience. — Harvey MacKay


The only thing money gives you is the freedom of not worrying about money. — Johnny Carson


Be glad that you’re greedy; the national economy would collapse if you weren’t. — Mignon McLaughlin


A lot of people become pessimists from financing optimists. — C.T. Jones


If you think nobody cares if you’re alive, try missing a couple of car payments. — Earl Wilson


Don’t marry for money. You can borrow it cheaper. — Scottish proverb


Money can’t buy happiness; it can, however, rent it. — Author unknown


You never realize how short a month is until you pay alimony. — John Barrymore


I don’t like money, actually, but it quiets my nerves. — Joe Louis


Nothing more clearly show how little God esteems his gift to men of wealth, money, position and other wordly goods, than the way he distributes these, and the sort of men who are most amply provided with them. — Jean de la Bruyere


A bank is a place where they lend you an umbrella in fair weather and ask for it back when it rains. — Robert Frost


It is in the character of very few men to honor without envy a friend who has prospered. — Aeschylus


Acquaintance: A person whom we know well enough to borrow from, but not well enough to lend to. — Ambrose Bierce


Honesty is the best policy — when there is money in it. — Mark Twain


Contentment makes poor men rich; discontentment makes rich men poor. — Benjamin Franklin


The greatest luxury of riches is that they enable you to escape so much good advice. — Arthur Helps


I love to go to Washington, if only to be nearer my money. — Bob Hope


Everyone should have enough money to get plastic surgery. — Beverly Johnson


If hard work were such a wonderful thing, surely the rich would have kept it all to themselves. — Lane Kirkland


Don’t stay in bed, unless you can make money in bed. — George Burns


Wealth is any income that is at least one hundred dollars a year more than the income of one’s wife’s sister’s husband. — H.L. Mencken


It isn’t enough for you to love money; it’s also necessary that money should love you. — Kin Hubbard


When a man’s stomach is full it makes no difference whether he is rich or poor. — Euripides


It is better to spend money like there’s no tomorrow than to spend tonight like there’s no money. — P.J. O’Rourke


It’s amazing how fast later comes when you buy now! — Milton Berle


No one would remember the Good Samaritan if he’d only had good intentions. He had money, too. — Margaret Thatcher


The only time to buy these is on a day with no ‘y’ in it. (regarding junk bonds) — Warren Buffett


I’m as poor as a church mouse, that’s just had an enormous tax bill on the very day his wife ran off with another mouse, taking all the cheese. — Rowan Atkinson


Someone stole all my credit cards, but I won’t be reporting it. The thief spends less than my wife did. — Henny Youngman


When people ask me if I have any spare change, I tell them I have it at home in my spare wallet. — Nick Arnette


Never invest in anything that eats or needs repairing. — Billy Rose


Ever wonder about those people who spend $2 apiece on those little bottles of Evian water? Try spelling Evian backward. — George Carlin


Pound notes are the best religion in the world. — Brendan Behan


I spent a lot of money on booze, birds, and fast cars. The rest I just squandered. — George Best


Ever notice how it’s a penny for your thoughts, yet you put in your two cents? Someone is making a penny on the deal! — Stephen Wright


When its a question of money, everybody is of the same religion. — Voltaire


There’s no reason to be the richest man in the cemetery. You can’t do any business from there. — Colonel Harlan Sanders


I have always said that if I were a rich man, I would employ a professional praiser. — Osbert Sitwell


Poets, we know, are terribly sensitive people, and in my observation one of the things they are most sensitive about is money. — Robert Penn Warren


I finally know what distinguishes man from other beasts: financial worries. — Jules Renard


I cannot afford to waste my time making money. — Louis Agassiz


There were times my pants were so thin I could sit on a dime and tell if it was heads or tails. — Spencer Tracy


I’m so naive about finances. Once when my mother mentioned an amount and I realized I didn’t understand, she had to explain: ‘That’s like three Mercedes.’ Then I understood. — Brooke Shields


The meek shall inherit the earth, but not the mineral rights. — J.P. Getty


Somebody said to me, ‘But the Beatles were anti-materialistic.’ That’s a huge myth. John and I literally used to sit down and say, ‘Now, let’s write a swimming pool.’ — Paul McCartney


There is nothing fundamentally wrong with America’s cities that money can’t cure. — Carl B. Stokes


I have enough money to last me the rest of my life, unless I buy something. — Jackie Mason


Economists report that a college education adds many thousands of dollars to a man’s lifetime income - which he then spends sending his son to college. — Bill Vaughn


Money costs too much. — Ross MacDonald


If you see a bandwagon, it’s too late. — James Goldsmith


The most popular labor-saving device is still money. — Phyllis George


If all the rich people in the world divided up their money among themselves, there wouldn’t be enough to go around. — Christina Stead


I made my money the old fashioned way. I was very nice to a wealthy relative right before he died. — Malcolm Forbes


Love lasteth as long as the money endureth. — William Caxton


Our incomes are like our shoes; if too small, they gall and pinch us; but if too large, they cause us to stumble and to trip. — John Locke


I don’t mind going back to daylight saving time. With inflation, the hour will be the only thing I’ve saved all year. — Victor Borge


He that is of the opinion money will do everything may well be suspected of doing everything for money. — Benjamin Franklin


Money won’t buy happiness, but it will pay the salaries of a large research staff to study the problem. — Bill Vaughn

100. Annual

income twenty pounds, annual expenditure nineteen ninety six (£19.96), result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six (£20.06), result misery. — Charles Dickens

101. A

creative economy is the fuel of magnificence. — Ralph Waldo Emerson

ENOUGH That's the title of Vanguard founder John Bogle's fantastic book about measuring what counts in life. The title, as Bogle explains, comes from a conversation between Kurt Vonnegut and novelist Joseph Heller, who are enjoying a party hosted by a billionaire hedge fund manager. Vonnegut points out that their wealthy host had made more money in one day than Heller ever made from his novel Catch-22. Heller responds: "Yes, but I have something he will never have ......... enough." I thought about this line over the past week after two business stories, neither of them new, re-entered the media's spotlight. The first is news that former McKinsey boss Rajat Gupta is being charged with insider trading.

If you're unaware of Gupta's story, here's the background: He was born in Calcutta to a journalist father and school teacher mother, both of whom died in his teens. He received an engineering degree from India's exceedingly competitive IIT school, moved to America, scored an MBA from Harvard, and in 1973 joined the McKinsey Co., one of the world's most prestigious consulting firms. He was named McKinsey's managing director -- the equivalent of CEO -- in 1994, a position he held until 2003. McKinsey isn't a public company, so we have no idea how much Gupta earned during his tenure. One has to assume, however, that he's worth, tens, probably hundreds, of millions of dollars. He was successful. Rich. Respected. He had achieved more than most can dream of against incredible obstacles. So what does he do in his golden years? After retiring from McKinsey, Gupta joined the board of directors of several organizations, including Goldman Sachs (NYSE: GS), Procter & Gamble (NYSE: PG), and American Airlines (NYSE: AMR). Public filings show he made as much as $2 million annually for his board work, which usually entails attending a few meetings a year. Fast-forward to September 2008. As the financial system teetered on collapse, Goldman's board was summoned for a conference call to discuss Berkshire Hathaway's (NYSE: BRKB) potential $5 billion lifeline investment. This was intensely secret information. And you have to remember how insane this week was. People really didn't know whether banks, including Goldman, would make it to the next day. Berkshire's investment was huge for Goldman. Anyway, according to the Securities and Exchange Commission, Gupta disconnected from the board's meeting and immediately called billionaire hedge fund manager Raj Rajaratnam from the same phone. Less than a minute later, Rajaratnam bought 175,000 Goldman shares. The SEC doesn't say what the two discussed on the call. You can guess. Rajaratnam netted nearly a $1 million profit the next day after the public learned of Berkshire's investment. This is just one example of several. There were more meetings, more calls, more profits. The list goes on and on. The SEC claims Gupta's tips led to $17 million in gains for Rajaratnam. All of it insider trading, all of it very illegal. Assuming the allegations are true (he denies the charges), Gupta could be in a heap of trouble. He'll probably be on the hook for millions in legal bills. His reputation is utterly shot. This from a guy who could have, and should have, spent retirement basking in his success while drinking a Corona on the beach. The next story I've been thinking of comes from a recent New York Magazine interview with Bernie Madoff. You don't need an introduction.You know what he did. What shocked me from the interview is the revelation that Madoff earned as much as $100 million a year from the legitimate part of hisbusiness -- market making -- before his Ponzi scheme ever began. Think about that. Adjusted for inflation, Madoff was making the equivalent of $550,000 per day from legitimate sources. The guy was rolling. He had everything. Tons of money. Several homes. A family who adored him. Peers who idolized him -- the epitome of success. Yet he apparently wanted more so badly that it was worth tearing the throats out of his friends and family, spending the rest of his life in prison, and even sparking the death of his son, who committed suicide in December. It's spectacularly confusing. Explain it to me To a certain extent, theft -- white collar or otherwise -- makes sense for those who are

truly desperate. Warren Buffett once noted that, despite his commitment to ethics, he wouldn't rule out holding up a store if he were broke, had two sick kids at home, and an empty kitchen. You do what you gotta do. It's why there's a correlation between poverty and crime. But to quote Buffett again, who once ridiculed a different group of defunct financiers: "To make money they didn't have and didn't need, they risked what they did have and did need. And that's foolish. It is just plain foolish. If you risk something that is important to you for something that is unimportant to you, it just does not make any sense." When people like Gupta and Madoff, who were already rich beyond belief, steal from others (indirectly or literally), you have to ask: What is the motive? Is it power? Maybe, but both already had layers of power before they misbehaved. Maybe they feel above the law? Could be, although Madoff mentioned before his arrest that, "In today's regulatory environment, it's virtually impossible to violate rules." Maybe they're just clinical sociopaths? Perhaps, but I'm not convinced it's that simple. There's something else. For some reason, these people don't feel like they have enough. Many, many of us don't, even when we should. Why, I don't know. Here's what we do know. In the field of positive psychology, the study of what motivates people and makes us happy, researchers are mostly in agreement: Money isn't the key to happiness. What really gives people meaning and happiness is a combination of four things: Control over what they're doing; Progress in what they're pursuing; Being connected with others; And being part of something they enjoy that's bigger than themselves. Keep that in mind, and I want to ask you: What is enough? How much is enough money? How much is enough success? There's no right answer; everyone's different. This is one of the best articles I've ever read that relates to our very basic human desire. I have seen some good people fall for the chimera and face great torment. As our very own Gandhi famously said, there's enough for every man's need but not enough for every man's greed. However, between need and greed there is a vast expanse, and within it, I believe, there exists, a comfort zone. What's one person's comfort zone may not be another's. The solution to happiness lies in finding your own comfort zone within that vast expanse that should be as close to your needs and what you can achieve, within your limitations (and here I use the word 'limitations' in a positive sense); in being confident about it and above all, being proud about having selected a comfort zone although it may invite surprise or even derision.Above all, I know that I have to see my face in the mirror everyday,face my wife,my kids & my friends & be able to hold my head high.

Choosing a wonderful life over (just) life can make the difference between success and failure, peace and chaos, love and hate, and integrity plays a key role in those decisions. Choose to be like the young man laying the brick to build what he believes to be the greatest cathedral in the whole world. Choose to plant

a seed that will become the immovable oak. Choose to be like the janitor that maintains a clean household. Choose to be a cup that can hold water and is half full instead of half empty. You can do it. It's as simple as a decision--one of many that will be based on wisdom, good judgment, discernment and knowledge. Choose to incorporate integrity in your life today.

You Get What You Tolerate! It’s a rule of life that you get what you tolerate – whether in your relationships, your career or your life. Making more and better requests will go a long way toward eliminating the "tolerations" in your life. It may be making a request of your husband or children to take on an extra responsibility on the home front; your boss, partner or colleague to change the way they are communicating with you on projects; your employee to honor an existing commitment or even of your cleaning lady to stop hiding the remote control in obscure places! Complaining about your problems never solves them; whining about unmet needs never fulfills them. People aren’t mind readers and assuming others should automatically know what you want or need is a surefire recipe for resentment.

Harness the Law of Attraction. The Law of Attraction states that what we focus on expands. When you focus on what you want (fulfilled needs and a rich joy-filled life) as distinct from what you don’t want (unfulfilled needs and a life filled with "tolerations") and then take the actions to get it (e.g., make requests) your life can only change for the better. So as you get on with the rest of your day, I invite you to think about what requests you could be making that you aren’t and then, start making them. Don’t water down what you really want in order to minimize the possibility of being turned down. Rather be bold and ask for what you would ideally absolutely really and truly looooooove to have happen. If, in the end, you have to negotiate and you end up with not quite what you wanted, you’re still better off than before. At a minimum, you create a new context in the ensuing conversation, and even if it’s an outright “no” that comes back your way, at least now you know where things stand and can move on, plan and make changes accordingly.

It doesn't matter what pain we have to endure and it doesn't matter what achievement we have attained in life. What matter is how strong we have become as the challenges of life molds us to become a better person everyday. What matter is the faith we have to our creator amidst the rough seas we have to sail on at some point in our lives."....."ਕਰਨ ਮਰਜਾਣਾ"

हालांिक तन्‍त शास्‍त एवं नारी शास्‍त मे कितपय कई शिक भेद विणत है िजसमे कुद से लेकर आद शिक स्‍तर तक की शिक भेद व नारीयो का वणरन आता है , लेिकन यह व्‍याख्‍या या वणरन इस आलेख का उदेश्‍य नही

है बस इतना समझना पयारप्‍त होगा िक शिक के कुद रपो मे सामान्‍य नारी, भूतनी , पेतनी, िपशाचनी,चाण्‍डालनी, यकणी, िकन्‍नरी, िजन्‍न, गंधवर एवं अप्‍सरा, िनशाचनी, राकसी जैसी साधनाओ से कुद िसिददायक साधनाओ के फल कुद एवं िवनाशकारी ही होते है इनसे दूरी रखना चािहये । और उच्‍च स्‍तर की साधना पूजा उपासना देवी साधना, पूजा, अचरना उपासना िजसके भेद वणरन हम आगे करे गे ही करना शेष्‍ठ रहता है । इस सम्‍बन्‍ध मे तन्‍त शास्‍त भी पयारप्‍त सावधान करता है और शीमदभगवद गीता मे शीकृ ष्‍ण भी स्‍पष्‍ट कहते है ‘’भूतो को पूजने वाले भूतो को पाप्‍त होते है, यको को पूजने वाले यको को पाप्‍त होते है देवो को पूजने वाले देवो को पाप्‍त होते है और जो मेरा पूजन करते है वे मुझ ही को पाप्‍त होते है ‘’ आगे शीकृ ष्‍ण ने यह भी कहा िक ‘’जो िजसका पूजन करता है उसका स्‍वयं का स्‍वरप भी वैसा ही बन जाता है’’ गीता के इन श्‍लोको मे तंत व पूजा का भारी भेद एवं रहस्‍य विणत है । यही भारतीय तन्‍त शास्‍त भी कहता है और इसकी अिधक व्‍याख्‍या करता है, तन्‍त शास्‍त साफ कहता है िक िजसको पूजोगे वैसे ही हो जाओगे और वैसे ही फल पाप्‍त होगे तथा जीवन के अंत मे उसी के साथ चले जाओगे यािन वही बन जाओगे ।

May the pain you have known and the conflict you have experienced give you the strength to walk through life facing each new situation with courage and optimism.”

Never under any circumstances take a sleeping pill and a laxative on the same night” “Between the optimist and the pessimist, the difference is droll. The optimist sees the doughnut; the pessimist the hole!”

“An optimist will tell you the glass is half-full; the pessimist, half-empty; and the engineer will tell you the glass is twice the size it needs to be”

A pessimist is a man who thinks all women are bad. An optimist is one who hopes they are.”

The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.”

Few things in the world are more powerful than a positive push. A smile. A word of optimism and hope. And you can do it when things are tough.”

“Optimism is the faith that leads to achievement. Nothing can be done without hope and confidence.”

“Optimist: Day-dreamer more elegantly spelled”

“It's better to be an optimist who is sometimes wrong than a pessimist who is always right”

“Optimist: Person who travels on nothing from nowhere to happiness”

“Since light travels faster than sound, people appear bright until you hear them speak.”

“Never be afraid to try something new. Remember, amateurs built the ark. Professionals built the Titanic.”

“If you can't convince them, confuse them.”

“Before you criticize someone, you should walk a mile in their shoes. That way when you criticize them, you are a mile away from them and you have their shoes.”

“When I was a kid I used to pray every night for a new bicycle. Then I realised that the Lord doesn't work that way so I stole one and asked Him to forgive me.”

“If at first you don't succeed, destroy all evidence that you tried”

“A foolish man tells a woman to stop talking, but a wise man tells her that her mouth is extremely beautiful when her lips are closed”

“I want to die in my sleep like my grandfather... Not screaming and yelling like the passengers in his car.”

“Everyone has a photographic memory. Some don't have film.”

“Oh, you hate your job? Why didn't you say so? There's a support group for that. It's called EVERYBODY, and they meet at the bar.”

A pessimist only sees the dark side of the clouds, and mopes; a philosopher sees both sides and shrugs; an optimist doesn't see the clouds at all--he's walking on them.”

An optimist is a guy that has never had much experience.”

“Don't ever become a pessimist, Ira; a pessimist is correct oftener than an optimist, but an optimist has more fun--and neither can stop the march of events.”

“A pessimist is a person who is always right but doesn't get any enjoyment out of it, while an optimist, is one who imagines that the future is uncertain. It is a duty to be an optimist, because if you imagine that the future is uncertain, then you mu”

An optimist is a person who sees a green light everywhere, while a pessimist sees only the red stoplight. . . The truly wise person is colorblind.”

“An optimist is a person who sees only the lights in the picture, whereas a pessimist sees only the shadows. An idealist, however, is one who sees the light and the shadows, but in addition sees something else: the possibility of changing the picture, of making the lights prevail over the shadows.”

“The optimist proclaims that we live in the best of all possible worlds; and the pessimist fears this is true.” James Branch Cabell quotes


“An optimist is the human personification of spring.”

“A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.”

“The pessimist sees difficulty in every opportunity. The optimist sees the opportunity in every difficulty.”

“A pessimist is a man who has been compelled to live with an optimist.”

“An optimist laughs to forget, a pessimist forgets to laugh.”

“I became an optimist when I discovered that I wasn't going to win any more games by being anything else.”

“I have become my own version of an optimist. If I can't make it through one door, I'll go through another door - or I'll make a door. Something terrific will come no matter how dark the present.”

“The point of living and of being an optimist is to be foolish enough to believe the best is yet to come.”

“I'm a pessimist because of intelligence, but an optimist because of will”

“It's hard to argue against cynics - they always sound smarter than optimists because they have so much evidence on their side”

“In the long run the pessimist may be proven right, but the optimist has a better time on the trip”

“The man who is a pessimist before forty-eight knows too much; if he is an optimist after it he knows too little”

“The optimist already sees the scar over the wound; the pessimist still sees the wound underneath the scar”

“Worry is the darkroom in which negatives are developed”

“The reason why worry kills more people than work is that more people worry than work.”

“Worry is spiritual short sight. Its cure is intelligent faith.”

“Every tomorrow has two handles. We can take hold of it with the handle of anxiety or the handle of faith.”

“Worry is as useless as a handle on a snowball”

“Worry a little every day and in a lifetime you will lose a couple of years. If something is wrong, fix it if you can. But train yourself not to worry. Worry never fixes anything. ”

“There are two days in the week about which and upon which I never worry... Yesterday and Tomorrow.”

“Worry is a think stream of fear which, if encouraged, becomes a wide channel into which all other thoughts flow”

“You can't start worrying about what's going to happen. You get spastic enough worrying about what's happening now.”

“Worry is interest paid on trouble before it comes due.” “Worrying never did anyone any good”

“Worry is today's mice nibbling on tomorrow's cheese”

“I used to worry about what life was for - now being alive seems sufficient reason.”

“It only seems as if you're doing something when you worry.”

“If pleasures are greatest in anticipation, just remember that this is also true of troubles”

“If we spend our time with regrets over yesterday, and worries over what might happen tomorrow, we have no today in which to live.”

“I've yet to be on a campus where most women weren't worrying about some aspect of combining marriage, children, and a career. I've yet to find one where many men were worrying about the same thing.”

“Freedom from worries and surcease from strain are illusions that always inhabit the distance.”

“People get so in the habit of worry that if you save them from drowning and put them on a bank to dry in the sun with hot chocolate and muffins they wonder whether they are catching cold.”

“If you ask what is the single most important key to longevity, I would have to say it is avoiding worry, stress and tension. And if you didn't ask me, I'd still have to say it.”


quotes for speechs