Never use a credit card for credit. The only kind of credit， or debt， that is acceptable is debt to acquire something whose exchange value is extremely likely to increase， like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.

A verdadeira revolução é a que transforma o coração do homem.

思想掠过我的心上，如一群野鸭飞过天空。我听见它们鼓翼之声了。