“Don't react with fear and panic in the face of debt collector threats. Talk to them and explain your situation. See if you can work out a compromise.”

“Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as...”

“If you're doing something like scheduling utility payments to come through your debit card or out of your personal checking account, that's perfectly fine. But there are much safer ways to h...”

“Two things are infinite: the universe and human stupidity; and I'm not sure about the universe.”

“I'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me...”

“You've gotta dance like there's nobody watching, Love like you'll never be hurt, Sing like there's nobody listening, And live like it's heaven on earth.”

“So many books, so little time.”

“You know you're in love when you can't fall asleep because reality is finally better than your dreams.”

“The person, be it gentleman or lady, who has not pleasure in a good novel, must be intolerably stupid.”