Reuters
- March 16, 2007 - EMILY KAISER
Housing slowdown may pinch small business Many
banks have already tightened standards for residential loans.
Small-business trade groups worry that if the housing slowdown deepens,
corporate financing will get tougher, too -- particularly for business
owners who rely on their homes as the main source of financing.
For many small business owners, that means their borrowing power would
fall along with the value of their home.
Entrepreneurs have had "good access (to capital) in the last few years
borrowing against their homes and other forms of credit, but now
they're the first ones being curtailed," said Christian Weller, senior
economist with the liberal think tank Center for American Progress.
"That will affect employment, and it will certainly affect investment."
A credit crunch on Main Street is nothing to dismiss lightly,
economists warn. Small businesses are key drivers of the U.S. economy,
accounting for as many as half of the new jobs created, and
entrepreneurs spend heavily on technology, hardware and equipment,
Weller said. go
to story
Prabhupada:
Cutting the tail of the jackal. "My tail is cut, so your tail must be
cut." This is a fashion. That is practical. The world is working so
hard but where is the peace and happiness? Brahmananda: It's
coming. Prabhupada: [laughs] When it will come? That is
unknown. Brahmananda: Maybe at the end of this century. Prabhupada:
And at the end of your life. Just like
insurance policy. You'll be happy after death. "You go on paying now,
work hard, go on paying the premium and you'll be happy after death."
This is insurance policy. And I am going to be a dog after death, and
how he'll be happy? Just see. more
Prabhupada: The lawyers will plunder. The
government men will plunder. The physician will plunder. Ordinary
dealing, they will plunder. The shopkeepers will plunder. The... And
bank will say that "You take money. You pay your bills. We'll give you
loan, we'll charge interest. And when you get your salary, then you
have to deposit it in the bank." And they'll adjust. And again you are
penniless. Again you take loan. The social arrangement is so made that
you simply depend on loan. And to earn this money you'll have to go
five hundred miles away from your home, early in the morning, in the
car.
Gurukrpa: And in the train.
Prabhupada: Train also. So
how you can be happy? This is their civilization. You study. I have
studied in your country, everywhere. This is civilization.
Gurukrpa: Our printing man
from Dai Nippon... The printing man who was doing our book from Dai
Nippon, he would come to the house at eight-thirty at night. And he
lives... Every day he travels two hours to Dai Nippon in the morning
and at night another two hours.
Prabhupada: Just see. Many.
Why Dai Nippon?
Gurukrpa: But this was
eight-thirty at night he came.
Prabhupada: No, Bombay,
Bombay, Calcutta.
Gurukrpa: I asked him, "What
time do you go to work?" He said, "At nine in the morning." I said,
"But it is eight-thirty. You have been working now eleven hours." He
said, "Well, after I leave here, I must go back to the office and
finish my work. I will be finished at eleven tonight. Then I will go
home. I will get home at one o'clock, and then I must get up at six in
the morning to go to the office." So much tapasya [austerity].
Prabhupada: There is a book,
novel. The subject matter is that the man, when he goes out of home the
child is sleeping. He has to rise four o'clock to prepare to take the
six o'clock train. At that time his child is sleeping. And when he
comes back at ten o'clock, the child is sleeping. So he does not know.
So when he's grown up, on Sunday he's asking his mother, "Who is this
man?" (laughs) This is the subject matter. They have written in a
very... He is asking, "Who is this man?" When he was child, he did not
see, neither inquired. Now, when he's grown up, on Sunday he sees that
this man is very intimately talking with his mother. He... In this
way...
Gurukrpa: The poor man, his
office is cheating him, and then his wife stays home and spends all his
money and he is being cheated by her.
Prabhupada: Yes. He comes,
taking so much trouble for the wife. He will lie down with her from
eleven at night up to three o'clock. For that, that is home. This is
his home. And to maintain this home, he has to take so much trouble.
And this is civilization. He does not think, "For this little happiness
why I am here? Better to become a sannyasi and live
independently. Why I'm taking so much...?" No. And after working so
hard, in old age if you ask permission from the wife, "I have done so
much for you, for family. Now let me retire." "Eh? You'll retire? Then
who will look after me?" The home member not satisfied, and you are not
satisfied. You are working so hard—how you can be satisfied? And they
find still insufficient income. They are not satisfied. But what is
this home? To sense gratification. You are not serving this woman.
Because this woman, as soon as she is not able to serve you by her sex,
then there is divorce. Nobody's serving anybody, but everybody is
serving his own senses. So actually the man is serving his own senses,
uñöra. He's eating his own blood and thinking, "Thorn very
palatable." He's eating thorn. What is his palatable? Cutting the
tongue and blood is coming out, and when the thorn's chewed with this
blood, it makes little taste. Blood has got taste. And he's thinking,
"Thorn is very nice." Therefore they have been called as ushtra.
Ushtra eats own, drinks or eats his own blood, and takes the thorn
as very good. Shva-vid-varahoshtra-khara. These animals
have been specially mentioned: dog; vid-varaha means hog; ushtra
[camel]; and khara means
ass. How Bhagavata has selected. [laughs] Shva
means dog. Dog, after technical education, if he does not get a post
where he can use this computer and other big, big..., he's a dog. He
goes to a bank, "Sir, I am expert in this machine work. Can you give me
a job?" "No, no. There is no vacancy." Then again he puts his tail,
goes another, another. What is use, this? The big, big technologists,
unless they get a suitable job, they're just like dog. Dog is loitering
in the street, no food. So these men with all this high technological
knowledge, if they do not get a proper master, they are nothing but
dog. This is university education. So dog. And hog. Hog means he can
eat any nonsense thing, whole day working, if he gets sex. Never mind
whether mother, sister or daughter or any. You see the hog's family.
They are very much sexually inclined, without any discrimination, and
eating stool. This is his life. You see nowadays this man, he's eating
anything, the hog's intestine. What is that?
Gurukrpa: Sausage.
Prabhupada: Very good food.
What is that? Hog intestine. Hog is eating stool, and the intestine is
filled up with the stool, and they have to clear it out. When it is
boiled there is a so bad smell. And that is very palatable. And by
eating, as soon as he gets little strength, then sex without any
discrimination. So hog.
Shva-vid-varaha. And the ushtra. Ushtra I have already
explained, camel. And then ass. Shva-vid-varaha
-ushtra-khara. Khara means ass. Now, why ass is
mentioned? Means he's work with the washerman, and he loads tons of
cloth to take him to the ghata [bathing
area, typically on the banks of a lake or river] where he'll
wash, and give him a little grass. And he'll stand whole day. And again
load and again come. He has no eyes to see that "Grass is everywhere,
every... Why I am engaged in this washerman? Whose cloth? It is neither
my cloth nor his." But he is working: "Oh, washerman is giving me
grass."
Gurukrpa: Everybody is ass.
Prabhupada: So therefore
these four animals have been mentioned: Shva-vid-
varahoshtra-kharaih samstutah [Srimad-Bhagavatam
2.3.19]. And he is, this class of men, selecting a leader by vote,
democracy. So this class of men intelligence, just see. And what class
of man he will select? And how we desire to be happy by such elected
man who is elected by these dog, hog, camel and asses? Are there any
intelligent? And you expect good government, peaceful state and... And
the Shva-vid-varahoshtra-kharaih samstutah purushah pashuh.
Therefore the others, they went to see the lion. So dog, hog, camel,
ass will... "Oh, he's a lion." But what is a lion? It is also an
animal, big animal. That's all. Similarly, the so-called president and
leader and Gandhi, they are also another animal, big animal. So does it
mean an animal big and very powerful, he has got the human
intelligence? This is civilization. And when you say the right
thing—that human life is meant for understanding God and prepare for
the next life—"brainwashed." This is life. So remain like hog, dog,
camel, and asses and go on, be engaged in politics and election
—"Then you are right." And if you speak against this mode of
civilization—"brainwashed."