Quotes & Sayings About Credit Money

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. — Richard Thaler

No young man starting in life could have better capital than plenty of friends. They will strengthen his credit, support him in every great effort, and make him what, unaided, he could never be. Friends of the right sort will help him more - to be happy and successful - than much money. — Orison Swett Marden

I'm young. You can't just sit there and be satisfied. People are like, "You've got all these number ones!" "Yeah ... what else?" It all translates into money, and that's how people think of being successful, but my success, I feel like, is credit - credit for a good job. I haven't even gotten a Grammy, yet I've already decided I want an Emmy. — Ester Dean

A great industrial nation is controlled by its system of credit. Our system of credit is privately concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men who, even if their action be honest and intended for the public interest, are necessarily concentrated upon the great undertakings in which their own money is involved and who necessarily, by very reason of their own limitations, chill and check and destroy genuine economic freedom. — Woodrow Wilson

The relationship between the people and their money in California is such that you can pluck almost any city at random and enter a crisis. San Jose has the highest per capita income of any city in the United States, after New York. It has the highest credit rating of any city in California with a population over 250,000. It is one of the few cities in America with a triple-A rating from Moody's and Standard & Poor's, but only because its bondholders have the power to compel the city to levy a tax on property owners to pay off the bonds. The city itself is not all that far from being bankrupt. — Michael Lewis

You know what higher interest rates mean. To you it means a higher mortgage payment, a higher car payment, a higher credit card payment. To our economy it means businesspeople will not borrow as much money, invest as much money, create as many new jobs, create as much wealth, raise as many raises. — William J. Clinton

Nobody had a credit card when I was a kid. No one had credit card debt. But these big companies and banks wanted to know how to get more money out of people - get them charging things. — Michael Moore

The collapse of an inflation policy carried to its extreme
as in the United States in 1781 and in France in 1796
does not destroy the monetary system, but only the credit money or fiat money of the State that has overestimated the effectiveness of its own policy. The collapse emancipates commerce from etatism and establishes metallic money again. — Ludwig Von Mises

It was a Different Time. People were Friendly. We trusted each other. Hell, you could afford to get mixed up with wild strangers in those days
without fearing for your life, or your eyes, or your organs, or all of your money, or even getting locked up in prison forever. There was a sense of possibility. People were not so afraid, as they are now. You could run around naked without getting shot. You could check into a roadside motel on the outskirts of Ely or Winnemucca or Elko where you were lost in a midnight rainstorm
and nobody called the police on you, just to check out your credit and your employment history and your medical records and how many parking tickets you owed in California. — Hunter S. Thompson

Generally, there are three rules when it comes to borrowing money: You need to have good credit, proof of income and cash for a down payment. Most people have the first two, but it's the third that trips them up. And nowhere does that come into play more than the mortgage market. — Jean Chatzky

Marry me. You can have all the money and credit cards you want, and the glory of being Mrs Packer, but you've got to let me do what I want. — James Packer

If you need to put your money in a safe and secure place and you want it to earn interest, Treasury bonds are safer than putting it in any bank as a deposit or putting it anywhere else, because they are backed by the full faith and credit of the United States Government. — Jim Cooper

There is no such thing as overnight success or easy money. If you fail, do not be discouraged; try again. When you do well, do not change your ways. Success is not just good luck: it is a combination of hard work, good credit standing, opportunity, readiness and timing. Success will not last if you do not take care of it. — Henry Sy

This was my world: a world of truly irrational behavior. We spend our way into the poorhouse. We buy giant TVs and iPads. Our children wear nice clothes thanks to high-interest credit cards and payday loans. We purchase homes we don't need, refinance them for more spending money, and declare bankruptcy, often leaving them full of garbage in our wake. Thrift is inimical to our being. We spend to pretend that we're upper class. And when the dust clears - when bankruptcy hits or a family member bails us out of our stupidity - there's nothing left over. Nothing for the kids' college tuition, no investment to grow our wealth, no rainy-day fund if someone loses her job. We know we shouldn't spend like this. Sometimes we beat ourselves up over it, but we do it anyway. — J.D. Vance

It is credit that matters, not money (in other words, monetarism is a false ideology). — George Soros

If government manages to establish paper tickets or bank credit as money, as equivalent to gold grams or ounces, then the government, as dominant money-supplier, becomes free to create money costlessly and at will. As a result, this 'inflation' of the money supply destroys the value of the dollar or pound, drives up prices, cripples economic calculation, and hobbles and seriously damages the workings of the market economy. — Murray Rothbard

My bank must stop trying to sell me identity theft protection. You know why I expect you to protect my money? Because you're a bank. — Bill Maher

Sovereign money procures a wife with a large fortune, gets a man credit, creates friends, stands in place of pedigree, and even of beauty. — Horace

I think it's easier for African American and white comics to be praised than it is Latinos because they think our culture or our humor is substandard. I mean, I just don't think they want to give us credit. I just don't think that they see us as important enough to be at their level. I'm the longest-produced comedy at Warner Bros. and I don't feel special. They come over and say hello. But everybody's gonna make a lot of money and I don't feel like I'm special to them. — George Lopez

Government, possessing the power to create and issue currency and credit as money and enjoying the right to withdraw both currency and credit from circulation by taxation and otherwise, need not and should not borrow capital at interest as a means of financing government work and public enterprises. — Abraham Lincoln

When all our needs are met and all is well in our lives, we tend to take credit for what we have, to feel that we carry our own loads. We work hard to earn the money we need to buy food and clothes, pay our rent or mortgage. But even the hardest-working individual owes all he earns to God's provision. Moses reminded Israel that God "is giving you power to make wealth" (Deut. 8:18). — John F. MacArthur Jr.

People who recognize that money won't buy happiness are still willing to see if credit cards will do the trick. — Charles E. McKenzie

Government should stand behind its currency and credit and the bank deposits of the nation. No individual should suffer a loss of money through depreciation or inflated currency of Bank bankruptcy. — Abraham Lincoln

If your bank took bailout money, take your money out of that bank and put it in a credit union. Credit unions are owned by the people who have their money in the credit union. — Michael Moore

Credit expansion and money printing hasn't filtered much to ordinary people. It's boosted asset markets, real estate and stocks. So well-to-do-people have done very well. — Marc Faber

Big banks churn out page after page of incomprehensible fine print to obscure the cost and risks of checking accounts, credit cards, mortgages and other financial products. The result is that consumers can't make direct product comparisons, markets aren't competitive, and costs are higher. If the playing field is leveled and the broken market fixed, a lot more money will stay in the pockets of millions of hard-working families. That's real stimulus - money to families, without increasing our national debt. — Elizabeth Warren

I have too many credit cards. You know what happened? Someone stole one and I didn't notice. I noticed when I got that bill. Whoa! It was so much less! I'm letting him keep it. I'm saving money! — Rita Rudner

The last time money left the art world, intrepid types maxed out their credit cards and opened galleries, and a few of them have become the best in the world. — Jerry Saltz

When you need to borrow money the Mob seems like a better deal I think. 'You don't pay me back I break both yer legs.' Is that all? You won't take my house or wreck my credit rating? Fine where do I sign. Legs? Fine. You don't even have to sign anything. — Craig Ferguson

If your company matches your 401(k) contribution, then no matter what, contribute to your 401(k) first. You put in a dollar, they put in 50 cents. It's an automatic 50 percent return on your money. You can't pass that up. I'd rather have the 50 percent than pay 32 percent interest on a credit card. — Suze Orman

Mum repeated the old adage that money can't buy you everything ... before adding that she prefers using credit cards instead. — Kirkland Ciccone

If you want to access the funds without wasting your money then get applied for bad credit no fee loans. They are excellent financial scheme that allows the borrowers to gain the desired amount of funds without demanding any additional charges or collateral from them. The best part of this loan plan is that poor creditors can also enjoy the service of this loan without any hindrance of their negative credit profile. — John Smith

I came out of my professional athlete career with a 450 credit score, no money in the bank to show for it, but I had an Ivy League degree. So I put that Dartmouth degree to good use and got a job on Wall Street. I hated it but used the time to make connections and become financially literate. — Brian J. White

After the creation of credit by banks, the birth of the bond was the second great revolution in the ascent of money. — Niall Ferguson

As soon as Mr. Roosevelt took office, the Federal Reserve began to buy government securities at the rate of ten million dollars a week for 10 weeks, and created one hundred million dollars in new [checkbook] currency, which alleviated the critical famine of money and credit, and the factories started hiring people again. — Eustace Mullins

I do not understand where the backing of Bitcoin is coming from. There is no fundamental issue of capabilities of repaying it in anything which is universally acceptable, which is either intrinsic value of the currency or the credit or trust of the individual who is issuing the money, whether it's a government or an individual. — Alan Greenspan

In fact, without any exaggeration, the current mechanism of money creation through credit is certainly the "cancer" that's irretrievably eroding market economies of private property. — Maurice Allais

Writing this book required an enormous amount of help from friends. To them goes the credit. I'll take the money. — P. J. O'Rourke

It is an indication of Chelski's warped finances that even successive titles can be regarded as failure. Spend unprecedented sums and only unprecedented success can be commensurate. Chelski won't get the credit they think they deserve because of the money they've spent. There's £300m worth of difference between a victory and an achievement. — Pete Gill

Today, people are having to spend so much of their money, to acquire a house and to get an education that they don't have enough to spend on goods and services, except by running into yet more debt on their credit cards and other borrowings. — Michael Hudson

it. But I don't want money. It is only people who pay their bills who want that, Uncle George, and I never pay mine. Credit is the capital of a younger son, and one lives charmingly upon it. Besides, — Oscar Wilde

Modern money is almost altogether credit money. — John Buchanan Robinson

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. — Suze Orman

Cash from a reverse mortgage can be paid out in several ways, including a lump sum, a monthly payment, a line of credit, or a combination of those. If you do not need money right away, it is usually a bad idea to take all the money upfront, since it starts accumulating interest charges immediately. — Charles Duhigg

It matters whether the government blows tens of billions of dollars on tax loopholes for billionaires or whether that same money is used to lower costs for students who have to borrow money to go to college. It matters whether Wall Street can pocket billions of dollars by cheating people on mortgages and tricking them on credit cards or if there's a cop on the beat to keep them honest. It matters whether the minimum wage is set so low that a full-time worker still lives in poverty or if minimum wage also means a livable wage. When — Elizabeth Warren

In Star Wars, there was monetary confusion and competition. Despite being backed by metals, credits were refused by planets during periods of uncertainty, such as the Clone Wars. The credit was later known as the "Imperial Credit" and was used by Luke Skywalker to pay Han Solo for transport to the planet Alderaan. Yet smugglers avoided using state-sanctioned money and opted for precious metals like platinum. Those in the Ferengi Alliance traded gold-pressed latinum, a material that could not — Kabir Sehgal

[Credit is a system whereby] a person who can't pay, gets another person who can't pay, to guarantee that he can pay. — Charles Dickens

There's more student debt than credit card debt! Everywhere I go, I run into young people trying to build careers while they keep shelling out money on their education loans. If the economy is looking for a new generation of home-buyers, I can't imagine they'll get it from these folks. — Gail Collins

In Chicago and across the country, whites looking to achieve the American dream could rely on a legitimate credit system backed by the government. Blacks were herded into the sights of unscrupulous lenders who took them for money and for sport. — Ta-Nehisi Coates

The man who is wantonly profuse of his promises ought to sink his credit as much as a tradesman would by uttering a great number of promissory notes payable at a distant day. The truest conclusion in both cases is, that neither intend or will be able to pay. And as the latter most probably intends to cheat you of your money, so the former at least designs to cheat you of your thanks. — Henry Fielding

Every time you stand in line for the newest Apple product without putting money aside for emergencies, you are pursuing the wrong American dream. Every time you use credit to pay for something, knowing full well that you will pay interest on it, you are risking your financial future and condemning yourself to a lifestyle that is worse than what your paycheck could provide. — Erik Wecks

Credit or debit cards, for starters, are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money, we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic. — Jeffrey Kluger

Money is finite. There is not an infinite supply. That's something a lot of people have trouble remembering these days. In a time when crazy mortgages, car loans, student loans, and credit cards make you believe anyone can purchase anything at any time with no consequences, it's easy to forget that money has limits. — Dave Ramsey

Stewardship is like that. I won't answer for the way another Christian mismanaged money. I won't be charged with another person's irresponsible consumption. Nor will I get credit for how another faith community shared or sacrificed luxuries for the marginalized. I'll answer for my choices. — Jen Hatmaker

the monetarists would have met with greater success if they had broadened their definition of money even further. Their mistake was to fail to see that there is no distinction between fiat money and credit. They should have included all dollar-denominated credit instruments in their definition of money. Or, put differently, they should have replaced money with credit in the equation of exchange, because by the 1980s there was less and less difference between the two. Now there is essentially none. — Richard Duncan

A credit card allows you transcend time. For it allows you to put off until tomorrow what you bought today, while you are still paying what you bought yesterday. — Robert Morrissette

There was a time in the United States when most of our financial institutions were local. Which essentially meant that local communities were able to create their own credit, or their own money, in response to their own needs. We still depended on banks, but it was a much more democratic process. — David Korten

I want you to say to me right from the start, "We are here to serve customers. We're not here for me to make a lot of money. We're not here to bet on interest rates or credit spreads. We are here to serve our customers really well over a long period of time, and that's how you build a successful business." And so I want to see that, too, you know? — Jamie Dimon

Why waste so much time, energy, and money trying to buy the biggest house that your credit rating will allow? Truth be known, a small house can hold as much happiness as a large one. Sometimes it will hold even more. — Ernie J Zelinski

Perhaps you are thinking: 'But a tank costs several million dollars, not including floor mats. I don't have that kind of money.'
Don't be silly. You're a consumer, right? You have credit cards, right?
Perhaps you are thinking: 'Yes, but how am I going to pay the credit-card company?'
Don't be silly. You have a tank, right? — Dave Barry

Unless we have a Central Bank with adequate control of credit resources, this country is going to undergo the most severe and far reaching money panic in its history. — Jacob Schiff

And what people want to own, of course, is real estate. So a dental hygienist with bad credit making forty thousand dollars a year felt that she deserved to park her ass in a million-dollar home. With a little creative financing, and as long as housing prices continued to rise, she believed that she could afford a million-dollar home. And as long as the dental hygienist continued to pay interest on the mortgage for the million-dollar home, as long as housing prices continued to rise, as long as more loan officers approved more loans for more dental hygienists with bad credit who could continue to pay the interest on their overblown mortgages, housing prices would indeed stay stratospheric, and banks could print money based on that certainty. And, like your nursery rhyme, that was the house that Jack built." Kalchefsky — Jade Chang

Someone has to borrow every dollar we have in circulation, cash or credit. — Robert W. Hemphill

The power of collecting money from the people is not to be rejected because it has sometimes been oppressive. Public credit is as necessary for the prosperity of a nation as private credit is for the support and wealth of a family. — Oliver Ellsworth

Over the decade that movie producer Menahem Golan had retained the rights for Spider-Man, he'd managed to involve half a dozen different corporate entities. Golan had originally bought the Spider-Man rights for his Cannon Films; after leaving Cannon, he transferred them to 21st Century Films. Next, he raised money by preselling television rights to Viacom, and home video rights to Columbia Tri-Star; then he signed a $5 million deal with Carolco that guaranteed his role as producer. But after Carolco assigned the film to James Cameron, Cameron refused to give Golan the producer credit, and the lawsuits began. By the end of 1994, Carolco was suing Viacom and Tri-Star; Viacom and Tri-Star were countersuing Carolco, 21st Century, and Marvel; and MGM - which had swallowed Cannon - was suing Viacom, Tri-Star, 21st Century, and Marvel. — Sean Howe

She planted that terror of debt so deeply in her children that even now, in a changed economic pattern where indebtedness is a part of living, I become restless when a bill is two days overdue. Olive never accepted the time-payment plan when it became popular. A thing bought on time was a thing you did not own and for which you were in debt. She saved for things she wanted, and this meant that the neighbours had new gadgets as much as two years before we did. — John Steinbeck

The prosperity which now prevails is without parallel in our history. Fruitful seasons have done much to secure it, but they have not done all. The preservation of the public credit and the resumption of specie payments, so successfully attained by the Administration of my predecessors, have enabled our people to secure the blessings which the seasons brought. — James A. Garfield

Rainbows would never spring from a crock full of credit cards or computer printouts. — Carrie Anne Noble

He was just a loser with a credit card.
Maybe in the past I never realized that. Hell, maybe I'd been the kind of guy who thought money equaled class. Maybe I thought the air of arrogance Zach wore as armor made him superior to others.
And then I fell in love with a girl who was the epitome of the opposite of my world.
She shattered everything I thought I knew. And though she might be the one wearing glasses, it was me who was finally seeing clearly. — Cambria Hebert

For the individual, as I can testify, a brief grounding in semantics, besides making philosophy unreadable, makes unreadable most political speeches, classical economic theory, after-dinner oratory, diplomatic notes, newspaper editorials, treatises on pedagogics and education, expert financial comment, dissertations on money and credit, accounts of debates, and Great Thoughts from Great Thinkers in general. You would be surprised at the amount of time this saves. — Stuart Chase

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. — Suze Orman

Credit is money of the mind. — James Grant

Credit and debt keep us fixated on the past and the future. — Mark Sundeen

Hedge funds are a very efficient way of managing money. But there are clearly some risks. Hedge funds use credit and credit is a source of instability. Transactions involving credit should be regulated. — George Soros

When I was coming up through the ranks, not that many people carried a lot money of money on them. This was before checks and credit cards. — Doyle Brunson

Every man's credit is proportioned to the money which he has in his chest.
[Lat., Quantum quisque sua nummorum condit in area,
Tantum habet et fidei.] — Juvenal

They couldn't hurt Gansey. Nothing could hurt him; people who said money couldn't buy everything hadn't seen anyone as rich as the Aglionby boys. They were untouchable, immune to life's troubles. Only death couldn't be swiped away by a credit card. — Maggie Stiefvater

Marco Rubio, as an example, he's got no money, zero.I think that's fine, that's OK, maybe it's good politically to say you owe money because you overborrowed on your credit cards. He's got nothing. I mean, he's got nothing. — Donald Trump

If you're tall enough, there's no good reason you should be a nerd. Unless you're a nerd that's kind of a dick, and you start your own company like Bill Gates or the Facebook guy or something, odds are you have a shitty job where you do most of the work and don't make anything, while a tall former prep is an executive or in sales, which are both easy and primarily just involve taking credit for a nerd's work, and also make a shitload more money. — A.D. Aliwat

In the new American ghetto, the nightmare engine is bubble economics, a kind of high-tech casino scam that kills neighborhoods just like dope does, only the product is credit, not crack or heroin. It concentrates the money of the population in just a few hands with brutal efficiency, just like narco-business, and just as in narco-business the product itself, debt, steadily demoralizes the customer to the point where he's unable to prevent himself from being continually dominated. — Matt Taibbi

Most credit cards provide some sort of protection against a defective purchase, and with gold or platinum cards, you'll often get double the manufacturer's warranty. You're also not immediately out your own money if something goes wrong. — Jean Chatzky

I can use my credit card to send money to the Ku Klux Klan, to antiabortion fanatics, or to anti-homosexual bigots, but I can't use it to send money to WikiLeaks. The New York Times published the same documents. Should we tell Visa and MasterCard to stop payments to the Times? — Jeff Jarvis

Exploitation thrives when it comes to the essentials, like housing and food. Most of the 12 million Americans who take out high-interest payday loans do so not to buy luxury items or cover unexpected expenses but to pay the rent or gas bill, buy food, or meet other regular expenses. Payday loans are but one of many financial techniques - from overdraft fees to student loans for for-profit colleges - specifically designed to pull money from the pockets of the poor.46 If the poor pay more for their housing, food, durable goods, and credit, and if they get smaller returns on their educations and mortgages (if they get returns at all), then their incomes are even smaller than they appear. This is fundamentally unfair. — Matthew Desmond

If all the bank loans were paid, no one could have a bank deposit, and there would not be a dollar of coin or currency in circulation. This is a staggering thought. We are completely dependent on the commercial banks. Someone has to borrow every dollar we have in circulation, cash, or credit. If the banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless situation is almost incredible - but there it is. — Robert W. Hemphill

I am afraid that the ordinary citizen will not like to be told that the banks can and do create and destroy money. And they who control the credit of a nation direct the policy of governments, and hold in the hollow of their hands the destiny of the people. — Richard McKenna

Good work does not matter, because a man is judged by his worst output and another man takes all the credit of his best as a rule. Bad work does not matter, because other men do worse, and incompetents hang on longer in India than anywhere else. Amusements do not matter, because you must repeat them as soon as you have accomplished them once, and most amusements only mean trying to win another person's money. Sickness does not matter, because it's all in the day's work, and if you die another man takes over your place and your office in the eight hours between death and burial. — Rudyard Kipling

The government would also be wise to press on with its further measures to promote growth, as it will want to outperform the low figures in this outlook. This will mean delivering measures to ease money and credit and to stimulate demand. — John Redwood

A system of capitalism presumes sound money, not fiat money manipulated by a central bank. Capitalism cherishes voluntary contracts and interest rates that are determined by savings, not credit creation by a central bank. — Ron Paul

BILLS! BILLS! BILLS!' she screamed. 'IS THAT ALL YOU CAN BRING ME? THESE BILLS?'
'Yes, mam, that's all I can bring you.'
I turned and walked on.
It wasn't my fault that they used telephones and gas and light and bought all their things on credit. Yet when I brought them their bills they screamed at me - as if I had asked them to have a phone installed, or a $350 t.v. set sent over with no money down. — Charles Bukowski

Beautiful credit! The foundation of modern society. Who shall say that this is not the golden age of mutual trust, of unlimited reliance upon human promises? That is a peculiar condition of society which enables a whole nation to instantly recognize point and meaning in the familiar newspaper anecdote, which puts into the mouth of a distinguished speculator in lands and mines this remark: 'I wasn't worth a cent two years ago, and now I owe two millions of dollars. — Mark Twain

Women should never carry purses in the Metro or on the street in Paris. Unless the bag is purely for show, that is. Money, credit cards and ID should never be put in a purse. — James Laxer

If a government resorts to inflation, that is, creates money in order to cover its budget deficits or expands credit in order to stimulate business, then no power on earth, no gimmick, device, trick or even indexation can prevent its economic consequences. — Henry Hazlitt

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. — Suze Orman

Money talks - but credit has an echo. — Bob Thaves

Personal responsibility matters. There are no excuses for those who spend money on things they cannot afford. But it's a whole lot harder to act responsibly when consumer credit contracts are designed to be incomprehensible, when prices are obscure and risks are hidden. — Elizabeth Warren

Once public opinion is convinced that the increase in the quantity of money will continue and never come to an end, and that consequently the prices of all commodities will not cease to rise, everybody becomes eager to buy as much as possible and restrict his cash holdings to minimum size ... If the credit expansion is not stopped in time, the boom turns to crack-up boom: the flight into real values begins, and the whole monetary system founders. — Ludwig Von Mises

So on the demand side [for energy], there have been a variety of policies that globally have been way over $50 billion a year of tax credits, raising the price of electricity through things like renewable portfolio standards, so the total amount of money that's gone into sending a price signal to push up demand versus what would happen without it has been gigantic. — Bill Gates

Viewed from a distance, or through the eye of the All-Knowing CEO of the Universe, the crash of 2008 followed the usual pattern. A long-lived boom driven by cheap credit, going back as far as 1982 (though subject to interruptions in the mid-1980s and 1990s, and in 2001), came to grief because of a rise in the cost of borrowing money. — James Buchan

Our contemporary brand of socialism has one fatal flaw. It's too expensive. When you try to shower benefits on so many recipients, you eventually must resort to subterfuge. Foremost among those tricks is money and credit expansion. Inevitably, you debase your currency. — James Cook

If you help disabled children, it's very appealing. If you help kids with cancer, those are the things you get credit for and those things are beautiful. But when it comes to stopping violence or really putting the time into rebuilding schools, that's just a different kind of project. It takes more than just money to do that. — Jim Brown