Fund Contribution Quotes

Most politicians are corrupt as they do not represent the masses that voted for them, but rather they choose to return numerous favors to the corporations that funded their election campaigns.

When parties and elections are financed not by public funds but by private contributions, the political forum is so constrained by the wishes of the dominant interests that the basic measures needed to establish just constitutional rule are seldom properly presented.

Historically one of the main defects of constitutional government has been the failure to insure the fair value of political liberty. The necessary corrective steps have not been taken, indeed, they never seem to have been seriously entertained. Disparities in the distribution of property and wealth that far exceed what is compatible with political equality have generally been tolerated by the legal system. Public resources have not been devoted to maintaining the institutions required for the fair value of political liberty. Essentially the fault lies in the fact that the democratic political process is at best regulated rivalry; it does not even in theory have the desirable properties that price theory ascribes to truly competitive markets. Moreover, the effects of injustices in the political system are much more grave and long lasting than market imperfections. Political power rapidly accumulates and becomes unequal; and making use of the coercive apparatus of the state and its law, those who gain the advantage can often assure themselves of a favored position. Thus inequities in the economic and social system may soon undermine whatever political equality might have existed under fortunate historical conditions. Universal suffrage is an insufficient counterpoise; for when parties and elections are financed not by public funds but by private contributions, the political forum is so constrained by the wishes of the dominant interests that the basic measures needed to establish just constitutional rule are seldom properly presented. These questions, however, belong to political sociology. 116 I mention them here as a way of emphasizing that our discussion is part of the theory of justice and must not be mistaken for a theory of the political system. We are in the way of describing an ideal arrangement, comparison with which defines a standard for judging actual institutions, and indicates what must be maintained to justify departures from it.

I did not want to be an ingrate, but I had trouble seeing why writing support emails for a venture-funded startup should offer more economic stability and reward than creative work or civic contributions.

The Education IRA is the same thing as an ESA (Educational Savings Account). The ESA is basically buying a mutual fund and stamping it “ESA.” You must make less than $200,000 annually, married filing jointly. You can contribute up to $2,000 annually per child. You can have several ESAs, but the total of them can only be $2,000 annually per child. That money will grow completely tax free when used for higher education.

I believe in the division of labor. You send us to Congress; we pass laws under which you make money...and out of your profits, you further contribute to our campaign funds to send us back again to pass more laws to enable you to make more money.

To vanquish the ‘five giants’ of squalor, ignorance, want, idleness and disease, Beveridge’s plan was for everyone to contribute to a social insurance fund and in return receive the same entitlement to benefits such as healthcare or unemployment insurance.

How to Survive Racism in an Organization that Claims to be Antiracist: 10. Ask why they want you. Get as much clarity as possible on what the organization has read about you, what they understand about you, what they assume are your gifts and strengths. What does the organization hope you will bring to the table? Do those answers align with your reasons for wanting to be at the table? 9. Define your terms. You and the organization may have different definitions of words like "justice", "diveristy", or "antiracism". Ask for definitions, examples, or success stories to give you a better idea of how the organization understands and embodies these words. Also ask about who is in charge and who is held accountable for these efforts. Then ask yourself if you can work within the structure. 8. Hold the organization to the highest vision they committed to for as long as you can. Be ready to move if the leaders aren't prepared to pursue their own stated vision. 7. Find your people. If you are going to push back against the system or push leadership forward, it's wise not to do so alone. Build or join an antiracist cohort within the organization. 6. Have mentors and counselors on standby. Don't just choose a really good friend or a parent when seeking advice. It's important to have on or two mentors who can give advice based on their personal knowledge of the organization and its leaders. You want someone who can help you navigate the particular politics of your organization. 5. Practice self-care. Remember that you are a whole person, not a mule to carry the racial sins of the organization. Fall in love, take your children to the park, don't miss doctors' visits, read for pleasure, dance with abandon, have lots of good sex, be gentle with yourself. 4. Find donors who will contribute to the cause. Who's willing to keep the class funded, the diversity positions going, the social justice center operating? It's important for the organization to know the members of your cohort aren't the only ones who care. Demonstrate that there are stakeholders, congregations members, and donors who want to see real change. 3. Know your rights. There are some racist things that are just mean, but others are against the law. Know the difference, and keep records of it all. 2. Speak. Of course, context matters. You must be strategic about when, how, to whom, and about which situations you decide to call out. But speak. Find your voice and use it. 1. Remember: You are a creative being who is capable of making change. But it is not your responsibility to transform an entire organization.

It’s not easy to feel good about yourself when you are constantly being told you’re rubbish and/or part of the problem. That’s often the situation for people working in the public sector, whether these be nurses, civil servants or teachers. The static metrics used to measure the contribution of the public sector, and the influence of Public Choice theory on making governments more ‘efficient’, has convinced many civil-sector workers they are second-best. It’s enough to depress any bureaucrat and induce him or her to get up, leave and join the private sector, where there is often more money to be made. So public actors are forced to emulate private ones, with their almost exclusive interest in projects with fast paybacks. After all, price determines value. You, the civil servant, won’t dare to propose that your agency could take charge, bring a helpful long-term perspective to a problem, consider all sides of an issue (not just profitability), spend the necessary funds (borrow if required) and – whisper it softly – add public value. You leave the big ideas to the private sector which you are told to simply ‘facilitate’ and enable. And when Apple or whichever private company makes billions of dollars for shareholders and many millions for top executives, you probably won’t think that these gains actually come largely from leveraging the work done by others – whether these be government agencies, not-for-profit institutions, or achievements fought for by civil society organizations including trade unions that have been critical for fighting for workers’ training programmes.

Success is finding purpose in what you do. Success is an expression of passion, the realization of a sustainable business. Success is contributing to the lives of others. And ultimately, I believe that success is generating enough income to fund your ideal lifestyle,

we tend to think that innovation comes from bureaucratic funding, through planning, or by putting people through a Harvard Business School class by one Highly Decorated Professor of Innovation and Entrepreneurship (who never innovated anything) or hiring a consultant (who never innovated anything). This is a fallacy—note for now the disproportionate contribution of uneducated technicians and entrepreneurs to various technological leaps, from the Industrial Revolution to the emergence of Silicon Valley, and you will see what I mean.

The funds are good at the moment," said the treasurer, with the bankbook in front of him. "The firms have been generous of late. Max Linder & Co. paid five hundred to be left alone. Walker Brothers sent in a hundred; but I took it on myself to return it and ask for five. If I do not hear by Wednesday, their winding gear may get out of order. We had to burn their breaker last year before they became reasonable. Then the West Section Coaling Company has paid its annual contribution. We have enough on hand to meet any obligations." "What

After the New Deal, economists began referring to America’s retirement-finance model as a “three-legged stool.” This sturdy tripod was composed of Social Security, private pensions, and combined investments and savings. In recent years, of course, two of those legs have been kicked out. Many Americans saw their assets destroyed by the Great Recession; even before the economic collapse, many had been saving less and less. And since the 1980s, employers have been replacing defined-benefit pensions that are funded by employers and guarantee a monthly sum in perpetuity with 401(k) plans, which often rely on employee contributions and can run dry before death. Marketed as instruments of financial liberation that would allow workers to make their own investment choices, 401(k)s were part of a larger cultural drift in America away from shared responsibilities toward a more precarious individualism. Translation: 401(k)s are vastly cheaper for companies than pension plans. “Over the last generation, we have witnessed a massive transfer of economic risk from broad structures of insurance, including those sponsored by the corporate sector as well as by government, onto the fragile balance sheets of American families,” Yale political scientist Jacob S. Hacker writes in his book The Great Risk Shift. The overarching message: “You are on your own.

Think of the following event: A collection of hieratic persons (from Harvard or some such place) lecture birds on how to fly. Imagine bald males in their sixties, dressed in black robes, officiating in a form of English that is full of jargon, with equations here and there for good measure. The bird flies. Wonderful confirmation! They rush to the department of ornithology to write books, articles, and reports stating that the bird has obeyed them, an impeccable causal inference. The Harvard Department of Ornithology is now indispensable for bird flying. It will get government research funds for its contribution.

Extorting money in the form of campaign contributions is not simply about getting reelected. Many politicians aggressively fund-raise even though they face little or no opposition for reelection. Politicians have discovered a creative way to transfer donations into subsidies designed to benefit their lifestyles

Cixi’s lack of formal education was more than made up for by her intuitive intelligence, which she liked to use from her earliest years. In 1843, when she was seven, the empire had just finished its first war with the West, the Opium War, which had been started by Britain in reaction to Beijing clamping down on the illegal opium trade conducted by British merchants. China was defeated and had to pay a hefty indemnity. Desperate for funds, Emperor Daoguang (father of Cixi’s future husband) held back the traditional presents for his sons’ brides – gold necklaces with corals and pearls – and vetoed elaborate banquets for their weddings. New Year and birthday celebrations were scaled down, even cancelled, and minor royal concubines had to subsidise their reduced allowances by selling their embroidery on the market through eunuchs. The emperor himself even went on surprise raids of his concubines’ wardrobes, to check whether they were hiding extravagant clothes against his orders. As part of a determined drive to stamp out theft by officials, an investigation was conducted of the state coffer, which revealed that more “than nine million taels of silver had gone missing. Furious, the emperor ordered all the senior keepers and inspectors of the silver reserve for the previous forty-four years to pay fines to make up the loss – whether or not they were guilty. Cixi’s great-grandfather had served as one of the keepers and his share of the fine amounted to 43,200 taels – a colossal sum, next to which his official salary had been a pittance. As he had died a long time ago, his son, Cixi’s grandfather, was obliged to pay half the sum, even though he worked in the Ministry of Punishments and had nothing to do with the state coffer. After three years of futile struggle to raise money, he only managed to hand over 1,800 taels, and an edict signed by the emperor confined him to prison, only to be released if and when his son, Cixi’s father, delivered the balance. The life of the family was turned upside down. Cixi, then eleven years old, had to take in sewing jobs to earn extra money – which she would remember all her life and would later talk about to her ladies-in-waiting in the court. “As she was the eldest of two daughters and three sons, her father discussed the matter with her, and she rose to the occasion. Her ideas were carefully considered and practical: what possessions to sell, what valuables to pawn, whom to turn to for loans and how to approach them. Finally, the family raised 60 per cent of the sum, enough to get her grandfather out of prison. The young Cixi’s contribution to solving the crisis became a family legend, and her father paid her the ultimate compliment: ‘This daughter of mine is really more like a son!’ Treated like a son, Cixi was able to talk to her father about things that were normally closed areas for women. Inevitably their conversations touched on official business and state affairs, which helped form Cixi’s lifelong interest. Being consulted and having her views acted on, she acquired self-confidence and never accepted the com“common assumption that women’s brains were inferior to men’s. The crisis also helped shape her future method of rule. Having tasted the bitterness of arbitrary punishment, she would make an effort to be fair to her officials.

The three Coffeehouse Investor principles offer a sensible starting point for a young college graduate who is starting to contribute to a company-sponsored retirement account. All it takes is a commitment to save and an investment in one simple index fund to build wealth, ignore Wall Street, and get on with your life. Time is on your side.   On

Where are your free and compulsory schools? Does every one know how to read in the land of Dante and of Michael Angelo? Have you made public schools of your barracks? Have you not, like ourselves, an opulent war-budget and a paltry budget of education? Have not you also that passive obedience which is so easily converted into soldierly obedience? military establishment which pushes the regulations to the extreme of firing upon Garibaldi; that is to say, upon the living honor of Italy? Let us subject your social order to examination, let us take it where it stands and as it stands, let us view its flagrant offences, show me the woman and the child. It is by the amount of protection with which these two feeble creatures are surrounded that the degree of civilization is to be measured. Is prostitution less heartrending in Naples than in Paris? What is the amount of justice springs from your tribunals? Do you chance to be so fortunate as to be ignorant of the meaning of those gloomy words: public prosecution, legal infamy, prison, the scaffold, the executioner, the death penalty? Italians, with you as with us, Beccaria is dead and Farinace is alive. And then, let us scrutinize your state reasons. Have you a government which comprehends the identity of morality and politics? You have reached the point where you grant amnesty to heroes! Something very similar has been done in France. Stay, let us pass miseries in review, let each one contribute in his pile, you are as rich as we. Have you not, like ourselves, two condemnations, religious condemnation pronounced by the priest, and social condemnation decreed by the judge? Oh, great nation of Italy, thou resemblest the great nation of France! Alas! our brothers, you are, like ourselves, Misérables.

States should [...] vet agreements, cooperation schemes, and all forms of trade and dealing with Israel to screen for those directly contributing to the commission of the crimes of apartheid and persecution against Palestinians, mitigate the human rights impacts, and, where not possible, end the activities and funding found to facilitate these serious crimes.

At the time of the Frank Sheeran job interview by long-distance phone call, Jimmy Hoffa was coming off a period full of accomplishment and notoriety. In the mid- to late fifties Jimmy Hoffa had bulldogged and bluffed his way through the McClellan Committee hearings. He had become president of the International Brotherhood of Teamsters. And he had survived several criminal indictments. More significantly for his future and that of his rank and file, in 1955 Jimmy Hoffa had created a pension fund whereby management made regular contributions toward the retirement of their Teamsters employees. Before the creation of the Central States Pension Fund, many truckers merely had their Social Security to fall back on when they retired.

The world currently has two reasonably disturbing and disturbingly reasonable examples as to what this unraveling might look like: Zimbabwe and Venezuela. In both cases mismanagement par excellence destroyed the ability of both countries to produce their for-export goods—foodstuffs in the case of Zimbabwe, oil and oil products in the case of Venezuela—resulting in funds shortages so extreme, the ability of the countries to import largely collapsed. In Zimbabwe, the end result was more than a decade of negative economic growth, generating outcomes far worse than those of the Great Depression, with the bulk of the population reduced to subsistence farming. Venezuela wasn’t so . . . fortunate. It imported more than two-thirds of its foodstuffs before its economic collapse. Venezuelan oil production dropped so much, the country even lacks sufficient fuel to sow crops, contributing to the worst famine in the history of the Western Hemisphere. I don’t use these examples lightly. The word you are looking for to describe this outcome isn’t “deglobalize” or even “deindustrialize,” but instead “decivilize.

Buchanan took pride in what he called his academic entrepreneurship. Contributions from corporations such as General Electric and several oil companies and right-wing individuals flowed in, as anti–New Deal foundations provided funds to lure promising graduate students.53 Before long, the cofounders of the center were able to seize an opportunity to prove their enterprise’s value to the Byrd Organization on the issue that mattered most to its stalwarts in these years: the future of the public schools.

For example, say you have a child whose peers’ parents routinely bake homemade cookies for class fund-raisers. Cookies with little icing smiley faces and a separate batch of gluten-free ones for the pussies. Well, maybe you have neither the TIME nor the ENERGY to bake homemade cookies. And maybe you do have twenty dollars but you’re worried about what the other parents will think if you contribute store-bought Oreos to the bake sale. You see where I’m going with this, right? You need to (a) stop worrying about what other people think and (b) budget your fucks accordingly. No time and no energy? Oreos it is!

Many in the ruling generation have themselves become entrapped in economically unsustainable governmental schemes in which they are beneficiaries of and reliant on public programs, such as unfunded entitlements, to which they have contributed significantly into supposed “trust funds” and around which they have organized their retirement years. They also find self-deluding solace in the politically expedient and deceitful representations by the ruling class, which dismisses evidence of its own diversion and depletion of trust funds and its overall maladministration as the invention of doomsayers and scaremongers.

As data analytics, superfast computers, digital technology, and other breakthroughs enabled by science play a bigger and bigger role in informing medical decision-making, science has carved out a new and powerful role as the steadfast partner of the business of medicine—which is also enjoying a new day in the sun. It may surprise some people to learn that the business of medicine is not a twenty-first-century invention. Health care has always been a business, as far back as the days when Hippocrates and his peers practiced medicine. Whether it was three goats, a gold coin, or a bank note, some type of payment was typically exchanged for medical services, and institutions of government or learning funded research. However, since the 1970s, business has been the major force directing the practice of medicine. Together, the business and science of medicine are the new kids on the block—the bright, shiny new things. Ideally, as I’ve suggested, the art, science, and business of medicine would work together in a harmonious partnership, each upholding the other and contributing all it has to offer to the whole. And sometimes (as we’ll find in later chapters) this partnership works well. When it does, the results are magnificent for patients and doctors, not to mention for scientists and investors.

Turns out, I learned a lot from not being able to go to France. Turns out, those days standing on the concrete floor wearing a hairnet, a paper mask and gown, goggles, and plastic gloves, and- with a pair of tweezers- placing two pipe cleaners into a sterile box that came to me down a slow conveyor belt for eight excruciating hours a day taught me something important I couldn't have learned any other way. That job and the fifteen others I had before I graduated college were my own personal "educational opportunities." They changed my life for the better, though it took me a while to understand their worth. They gave me faith in my own abilities. They offered me a unique view of worlds that were both exotic and familiar to me. They kept things in perspective. They pissed me off. They opened my mind to realities I didn't know existed. They forced me to be resilient, to sacrifice, to see how little I knew, and also how much. They put me in close contact with people who could've funded the college educations of ten thousand kids and also with people who would've rightly fallen on the floor laughing had I complained to them about how unfair it was that after I got my degree I'd have this student loan I'd be paying off until I was forty-three. They made my life big. They contributed to an education that money can't buy.

(1) The church-state issue. If parents could use their vouchers to pay tuition at parochial schools, would that violate the First Amendment? Whether it does or not, is it desirable to adopt a policy that might strengthen the role of religious institutions in schooling? The Supreme Court has generally ruled against state laws providing assistance to parents who send their children to parochial schools, although it has never had occasion to rule on a full-fledged voucher plan covering both public and nonpublic schools. However it might rule on such a plan, it seems clear that the Court would accept a plan that excluded church-connected schools but applied to all other private and public schools. Such a restricted plan would be far superior to the present system, and might not be much inferior to a wholly unrestricted plan. Schools now connected with churches could qualify by subdividing themselves into two parts: a secular part reorganized as an independent school eligible for vouchers, and a religious part reorganized as an after-school or Sunday activity paid for directly by parents or church funds. The constitutional issue will have to be settled by the courts. But it is worth emphasizing that vouchers would go to parents, not to schools. Under the GI bills, veterans have been free to attend Catholic or other colleges and, so far as we know, no First Amendment issue has ever been raised. Recipients of Social Security and welfare payments are free to buy food at church bazaars and even to contribute to the collection plate from their government subsidies, with no First Amendment question being asked. Indeed, we believe that the penalty that is now imposed on parents who do not send their children to public schools violates the spirit of the First Amendment, whatever lawyers and judges may decide about the letter. Public schools teach religion, too—not a formal, theistic religion, but a set of values and beliefs that constitute a religion in all but name. The present arrangements abridge the religious freedom of parents who do not accept the religion taught by the public schools yet are forced to pay to have their children indoctrinated with it, and to pay still more to have their children escape indoctrination.

Monday ushers in a particularly impressive clientele of red-eyed people properly pressed into dry-cleaned suits in neutral tones. They leave their equally well-buttoned children idling in SUVs while dashing to grab double-Americanos and foamy sweet lattes, before click-clacking hasty escapes in ass-sculpting heels and polished loafers with bowl-shaped haircuts that age every face to 40. My imagination speed evolves their unfortunate offspring from car seat-strapped oxygen-starved fast-blooming locusts, to the knuckle-drag harried downtown troglodytes they’ll inevitably become. One by one I capture their flat-formed heads between index finger and thumb for a little crush-crush-crushing, ever aware that if I’m lucky one day their charitable contributions will fund my frown-faced found art project to baffle someone’s hallway.

The man seemed not to have heard him. ‘At this life-giving time of the year, Professor Scrooge,’ said the pastor, clicking his pen, ‘it is more than usually desirable that we should make some slight contribution to babes and adults, who lie languishing in hospitals and care facilities, standing on street corners and under bridges, or living alone at home during this time. Many are in need of blood transfusions or food or pregnancy care every day in our large community; many others – especially the elderly – are in want of comfort and cheer.’ ‘Are there no abortion clinics?’ asked Scrooge. ‘Plenty of clinics,’ said the pastor, clicking the pen tip in again. ‘And Euthanasia facilities?’ demanded Scrooge. ‘Are they still in operation?’ ‘They are. Still,’ returned the gentleman, ‘I wish I could say they were not.’ ‘Welfare and Food Stamps are in full swing, then?’ said Scrooge. ‘Both very busy.’ ‘Oh! I was afraid, from what you said at first, that something had occurred to stop them in their useful course,’ said Scrooge. ‘I’m very glad to hear it.’ ‘Under the impression that they scarcely furnish Christian cheer of mind or body to the multitude,’ returned the gentleman, ‘a few churches are endeavoring to raise a fund to provide those in need with medical care and food as well as the comfort of a human presence and the message of eternal life through Jesus. We choose this time to sow into others’ lives because it is a time, of all others, when we rejoice in the life God gave to us through His Son. What shall I put down – in time, money, or blood – for you?’ ‘Nothing!’ Scrooge replied. ‘You wish to give anonymously, then?’ ‘I wish to be left alone,’ said Scrooge.

And a house with smooth ceilings and a bathroom on the first floor. We could sock away more than a few dollars for the kids’ college funds and max out our retirement contributions. I knew I was supposed to be leaning in—these were important years in my career, and I wasn’t getting any younger. If what I’d read was to be believed, opportunities to vault myself to the next level would be few and far between. But . . . I wasn’t so sure I wanted to upgrade my wardrobe and get a haircut that said business and perfect my ability to hobnob with the ultrarich. I was equally unenthused about the possibility of working even harder, at least at this particular job at this particular juncture, and regularly being away from my husband and children. Because now I knew—really and truly knew in a way I hadn’t before—that it could all end in an instant. And if, God forbid, that happened, would I take my dying breaths feeling glad for getting a chance to fly business class?

The most groundbreaking and important work can easily be forgotten and undervalued. Just like cleaning, nursing and teaching today, some of the most important jobs that keep society functioning, are desperately underpaid. While some might argue that bankers, academics and CEOs are paid more because they contribute more to the economy, we need to remember that pay is as much about power as it is productivity. Imagine for a moment what would happen if all the hedge fund managers in the City of London decided collectively to quit their jobs. How much of an impact on our lives would this actually have? While I'm sure there is a case to be argued that the loss of these jobs would cause some damage to the economy, it is not unreasonable to ask whether the world might actually be a better place? Compare this to the alternative case where all the carers - the workers who look after children, the elderly and the sick - stopped turning up for work. The negative human impact would be undeniably immediate and devastating.

tried to go to a counselor, but it was just too weird. Talking to some stranger about my feelings made me want to vomit. I did go to the library, and I learned that behavior I considered commonplace was the subject of pretty intense academic study. Psychologists call the everyday occurrences of my and Lindsay’s life “adverse childhood experiences,” or ACEs. ACEs are traumatic childhood events, and their consequences reach far into adulthood. The trauma need not be physical. The following events or feelings are some of the most common ACEs: •​being sworn at, insulted, or humiliated by parents •​being pushed, grabbed, or having something thrown at you •​feeling that your family didn’t support each other •​having parents who were separated or divorced •​living with an alcoholic or a drug user •​living with someone who was depressed or attempted suicide •​watching a loved one be physically abused. ACEs happen everywhere, in every community. But studies have shown that ACEs are far more common in my corner of the demographic world. A report by the Wisconsin Children’s Trust Fund showed that among those with a college degree or more (the non–working class), fewer than half had experienced an ACE. Among the working class, well over half had at least one ACE, while about 40 percent had multiple ACEs. This is really striking—four in every ten working-class people had faced multiple instances of childhood trauma. For the non–working class, that number was 29 percent. I gave a quiz to Aunt Wee, Uncle Dan, Lindsay, and Usha that psychologists use to measure the number of ACEs a person has faced. Aunt Wee scored a seven—higher even than Lindsay and me, who each scored a six. Dan and Usha—the two people whose families seemed nice to the point of oddity—each scored a zero. The weird people were the ones who hadn’t faced any childhood trauma. Children with multiple ACEs are more likely to struggle with anxiety and depression, to suffer from heart disease and obesity, and to contract certain types of cancers. They’re also more likely to underperform in school and suffer from relationship instability as adults. Even excessive shouting can damage a kid’s sense of security and contribute to mental health and behavioral issues down the road. Harvard pediatricians have studied the effect that childhood trauma has on the mind. In addition to later negative

Revitalized and healthy, I started dreaming new dreams. I saw ways that I could make a significant contribution by sharing what I’ve learned. I decided to refocus my legal practice on counseling and helping start-up companies avoid liability and protect their intellectual property. To share some of what I know, I started a blog, IP Law for Startups, where I teach basic lessons on trade secrets, trademarks, copyrights, and patents and give tips for avoiding the biggest blunders that destroy the value of intellectual assets. Few start-up companies, especially women-owned companies that rarely get venture capital funding, can afford the expensive hourly rates of a large law firm to the get the critical information they need. I feel deeply rewarded when I help a company create a strategy that protects the value of their company and supports their business dreams. Further, I had a dream to help young women see their career possibilities. In partnership with my sister, Julie Simmons, I created lookilulu.com, a website where women share their insights, career paths, and ways they have integrated motherhood with their professional pursuits. When my sister and I were growing up on a farm, we had a hard time seeing that women could have rewarding careers. With Lookilulu® we want to help young women see what we couldn’t see: that dreams are not linear—they take many twists and unexpected turns. As I’ve learned the hard way, dreams change and shift as life happens. I’ve learned the value of continuing to dream new dreams after other dreams are derailed. I’m sure I’ll have many more dreams in my future. I’ve learned to be open to new and unexpected opportunities. By way of postscript, Jill writes, “I didn’t grow up planning to be lawyer. As a girl growing up in a small rural town, I was afraid to dream. I loved science, but rather than pursuing medical school, I opted for low-paying laboratory jobs, planning to quit when I had children. But then I couldn’t have children. As I awakened to the possibility that dreaming was an inalienable right, even for me, I started law school when I was thirty; intellectual property combines my love of law and science.” As a young girl, Jill’s rightsizing involved mustering the courage to expand her dreams, to dream outside of her box. Once she had children, she again transformed her dreams. In many ways her dreams are bigger and aim to help more people than before the twists and turns in her life’s path.

As an aside, Sheldon Rovin in his first draft of a guide to Systems Thinking, repeated this old chestnut: The often-quoted tribal wisdom of the Dakota Indians, passed on from generation to generation, says that, ‘When you discover that you are riding a dead horse, the best strategy is to dismount.’ However, in government more advanced strategies are often employed, such as: 1. Buying a stronger whip. 2. Changing riders. 29 3. Appointing a committee to study the horse. 4.    Arranging to visit other countries to see how other cultures ride horses. 5. Lowering the standards so that dead horses can be included. 6. Reclassifying the dead horse as living impaired. 7. Hiring outside contractors to ride the dead horse. 82 8. Harnessing several dead horses together to increase speed. 9. Providing extra funding/training to increase the dead horse’s performance. 10.  Doing a productivity study to see if lighter riders would improve the dead horse’s performance. 3 11.  Declaring that as the dead horse does not have to be fed, it is less costly, carries lower overhead and therefore contributes substantially more to the bottom line of the economy than live horses. 12.  Rewriting the expected performance requirements for all horses. And, of course… 13.  Promoting the dead horse to a supervisory position.

Are you driving?” I asked Sam. “Nope. I plan to do some drinking,” Sam said. “You’re not old enough,” I reminded him. “Never stopped me before.” “Sam!” He halted and glared at me. “What? You gonna tattle to Mom and Dad?” Was I? No. But he didn’t know that. Besides, as irritating as my brother was, he was good for one thing: blackmail. And it was payback time for the snowball he’d hit me with yesterday. “Not if you make a contribution to the Kate-have-a-good-time fund.” “Ah, Kate, come on. I’m not hurting anyone. I’m a responsible drinker.” “How can you be responsible if you’re breaking the law?” “I don’t drive when I drink. No one gets hurt except me, if I happen to fall flat on my face.” “You get that drunk?” “I’ve got better things to do than discuss my life with you.” He reached into his back pocket and pulled out his wallet. “How much?” “Twenty should do it.” “Five.” “Ten.” He held out the bill that had one of my favorite presidents on it. “You know, Kate, no one likes a snitch.” I snatched it from his fingers, folded it up, and shoved it into the front pocket of my jeans. “Payback’s a bitch, Brother.” “What?” “I wouldn’t have tattled. But I didn’t like getting hit with a snowball yesterday, either. So now we’re even.” He snapped his fingers. “Give it back.” “Nope. Possession is nine-tenths of the law.” “You don’t even know what that means.” “And I suppose you do.

Neoliberal economics, the logic of which is tending today to win out throughout the world thanks to international bodies like the World Bank or the International Monetary Fund and the governments to whom they, directly or indirectly, dictate their principles of ‘governance’,10 owes a certain number of its allegedly universal characteristics to the fact that it is immersed or embedded in a particular society, that is to say, rooted in a system of beliefs and values, an ethos and a moral view of the world, in short, an economic common sense, linked, as such, to the social and cognitive structures of a particular social order. It is from this particular economy that neoclassical economic theory borrows its fundamental assumptions, which it formalizes and rationalizes, thereby establishing them as the foundations of a universal model. That model rests on two postulates (which their advocates regard as proven propositions): the economy is a separate domain governed by natural and universal laws with which governments must not interfere by inappropriate intervention; the market is the optimum means for organizing production and trade efficiently and equitably in democratic societies. It is the universalization of a particular case, that of the United States of America, characterized fundamentally by the weakness of the state which, though already reduced to a bare minimum, has been further weakened by the ultra-liberal conservative revolution, giving rise as a consequence to various typical characteristics: a policy oriented towards withdrawal or abstention by the state in economic matters; the shifting into the private sector (or the contracting out) of ‘public services’ and the conversion of public goods such as health, housing, safety, education and culture – books, films, television and radio – into commercial goods and the users of those services into clients; a renunciation (linked to the reduction in the capacity to intervene in the economy) of the power to equalize opportunities and reduce inequality (which is tending to increase excessively) in the name of the old liberal ‘self-help’ tradition (a legacy of the Calvinist belief that God helps those who help themselves) and of the conservative glorification of individual responsibility (which leads, for example, to ascribing responsibility for unemployment or economic failure primarily to individuals, not to the social order, and encourages the delegation of functions of social assistance to lower levels of authority, such as the region or city); the withering away of the Hegelian–Durkheimian view of the state as a collective authority with a responsibility to act as the collective will and consciousness, and a duty to make decisions in keeping with the general interest and contribute to promoting greater solidarity. Moreover,

I met with a group of a hundred or so fifth graders from a poor neighborhood at a school in Houston, Texas. Most of them were on a track that would never get them to college. So I decided then and there to make a contract with them. I would pay for their four-year college education if they kept a B average and stayed out of trouble. I made it clear that with focus, anyone could be above average, and I would provide mentoring support to them. I had a couple of key criteria: They had to stay out of jail. They couldn't get pregnant before graduating high school. Most importantly, they needed to contribute 20 hours of service per year to some organization in their community. Why did I add this? College is wonderful, but what was even more important to me was to teach them they had something to give, not just something to get in life. I had no idea how I was going to pay for it in the long run, but I was completely committed, and I signed a legally binding contract requiring me to deliver the funds. It's funny how motivating it can be when you have no choice but to move forward. I always say, if you want to take the island, you have to burn your boats! So I signed those contracts. Twenty-three of those kids worked with me from the fifth grade all the way to college. Several went on to graduate school, including law school! I call them my champions. Today they are social workers, business owners, and parents. Just a few years ago, we had a reunion, and I got to hear the magnificent stories of how early-in-life giving to others had become a lifelong pattern. How it caused them to believe they had real worth in life. How it gave them such joy to give, and how many of them now are teaching this to their own children.

It’s not like I wasn’t busy. I was an officer in good standing of my kids’ PTA. I owned a car that put my comfort ahead of the health and future of the planet. I had an IRA and a 401(k) and I went on vacations and swam with dolphins and taught my kids to ski. I contributed to the school’s annual fund. I flossed twice a day; I saw a dentist twice a year. I got Pap smears and had my moles checked. I read books about oppressed minorities with my book club. I did physical therapy for an old knee injury, forgoing the other things I’d like to do to ensure I didn’t end up with a repeat injury. I made breakfast. I went on endless moms’ nights out, where I put on tight jeans and trendy blouses and high heels like it mattered and went to the restaurant that was right next to the restaurant we went to with our families. (There were no dads’ nights out for my husband, because the supposition was that the men got to live life all the time, whereas we were caged animals who were sometimes allowed to prowl our local town bar and drink the blood of the free people.) I took polls on whether the Y or the JCC had better swimming lessons. I signed up for soccer leagues in time for the season cutoff, which was months before you’d even think of enrolling a child in soccer, and then organized their attendant carpools. I planned playdates and barbecues and pediatric dental checkups and adult dental checkups and plain old internists and plain old pediatricians and hair salon treatments and educational testing and cleats-buying and art class attendance and pediatric ophthalmologist and adult ophthalmologist and now, suddenly, mammograms. I made lunch. I made dinner. I made breakfast. I made lunch. I made dinner. I made breakfast. I made lunch. I made dinner.

The destruction of representative government and private capitalism of the old school was complete when Hitler came to power. He had contributed mightily to the final result by his ceaseless labors to create chaos. But when he stepped into the chancellery all the ingredients of national socialist dictatorship were there ready to his hand… The aim in which Bismarck had failed was accomplished almost at a stroke in the Weimar Constitution – the subordination of the individual states to the federal state. The old imperial state had to depend on the constituent states to provide it with a part of its funds. Now this was altered, and the central government of the republic became the great imposer and collector of taxes, paying to the states each a share. Slowly the central government absorbed the powers of the states. The problems of business groups and social groups were all brought to Berlin. The republican Reichstag, unlike its imperial predecessor, was now charged with the vast duty of managing almost every energy of the social and economic life of the republic. German states were always filled with bureaus, so that long before World War I travelers referred to the ‘bureaucratic tyrannies’ of the empire. But now the bureaus became great centralized organisms of the federal government dealing with the multitude of problems which the Reichstag as completely incapable of handling. Quickly, the actual function of governing leaked out of the parliament into the hands of the bureaucrats. The German republic became a paradise of bureaucracy on a scale which the old imperial government never knew. The state, with its powers enhanced by the acquisition of immense economic powers and those powers brought to the center of government and lodged in the executive, was slowly becoming, notwithstanding its republican appearance, a totalitarian state that was almost unlimited in its powers.

One of the greatest difficulties we human beings seem to have is to relinquish long-held ideas. Many of us are addicted to being right, even if facts do not support us. One fixed image we cling to, as iconic in today’s culture as the devil was in previous ages, is that of the addict as an unsavoury and shadowy character, given to criminal activity. What we don’t see is how we’ve contributed to making him a criminal. There is nothing more intrinsically criminal in the average drug user than in the average cigarette smoker or alcohol addict. The drugs they inject or inhale do not themselves induce criminal activity by their pharmacological effect, except perhaps in the way that alcohol can also fuel a person’s pent-up aggression and remove the mental inhibitions that thwart violence. Stimulant drugs may have that effect on some users, but narcotics like heroin do not; on the contrary, they tend to calm people down. It is withdrawal from opiates that makes people physically ill, irritable and more likely to act violently — mostly out of desperation to replenish their supply. The criminality associated with addiction follows directly from the need to raise money to purchase drugs at prices that are artificially inflated owing to their illegality. The addict shoplifts, steals and robs because it’s the only way she can obtain the funds to pay the dealer. History has demonstrated many times over that people will transgress laws and resist coercion when it comes to struggling for their basic needs — or what they perceive as such. Sam Sullivan, Vancouver’s quadriplegic mayor, told a conference on drug addiction once that if wheelchairs were illegal, he would do anything to get one, no matter what laws he had to break. It was an apt comparison: the hardcore addict feels equally handicapped without his substances. As we have seen, many addicts who deal in drugs do so exclusively to finance their habit. There is no profit in it for them.

The goal was ambitious. Public interest was high. Experts were eager to contribute. Money was readily available. Armed with every ingredient for success, Samuel Pierpont Langley set out in the early 1900s to be the first man to pilot an airplane. Highly regarded, he was a senior officer at the Smithsonian Institution, a mathematics professor who had also worked at Harvard. His friends included some of the most powerful men in government and business, including Andrew Carnegie and Alexander Graham Bell. Langley was given a $50,000 grant from the War Department to fund his project, a tremendous amount of money for the time. He pulled together the best minds of the day, a veritable dream team of talent and know-how. Langley and his team used the finest materials, and the press followed him everywhere. People all over the country were riveted to the story, waiting to read that he had achieved his goal. With the team he had gathered and ample resources, his success was guaranteed. Or was it? A few hundred miles away, Wilbur and Orville Wright were working on their own flying machine. Their passion to fly was so intense that it inspired the enthusiasm and commitment of a dedicated group in their hometown of Dayton, Ohio. There was no funding for their venture. No government grants. No high-level connections. Not a single person on the team had an advanced degree or even a college education, not even Wilbur or Orville. But the team banded together in a humble bicycle shop and made their vision real. On December 17, 1903, a small group witnessed a man take flight for the first time in history. How did the Wright brothers succeed where a better-equipped, better-funded and better-educated team could not? It wasn’t luck. Both the Wright brothers and Langley were highly motivated. Both had a strong work ethic. Both had keen scientific minds. They were pursuing exactly the same goal, but only the Wright brothers were able to inspire those around them and truly lead their team to develop a technology that would change the world. Only the Wright brothers started with Why. 2.

Was this luck, or was it more than that? Proving skill is difficult in venture investing because, as we have seen, it hinges on subjective judgment calls rather than objective or quantifiable metrics. If a distressed-debt hedge fund hires analysts and lawyers to scrutinize a bankrupt firm, it can learn precisely which bond is backed by which piece of collateral, and it can foresee how the bankruptcy judge is likely to rule; its profits are not lucky. Likewise, if an algorithmic hedge fund hires astrophysicists to look for patterns in markets, it may discover statistical signals that are reliably profitable. But when Perkins backed Tandem and Genentech, or when Valentine backed Atari, they could not muster the same certainty. They were investing in human founders with human combinations of brilliance and weakness. They were dealing with products and manufacturing processes that were untested and complex; they faced competitors whose behaviors could not be forecast; they were investing over long horizons. In consequence, quantifiable risks were multiplied by unquantifiable uncertainties; there were known unknowns and unknown unknowns; the bracing unpredictability of life could not be masked by neat financial models. Of course, in this environment, luck played its part. Kleiner Perkins lost money on six of the fourteen investments in its first fund. Its methods were not as fail-safe as Tandem’s computers. But Perkins and Valentine were not merely lucky. Just as Arthur Rock embraced methods and attitudes that put him ahead of ARD and the Small Business Investment Companies in the 1960s, so the leading figures of the 1970s had an edge over their competitors. Perkins and Valentine had been managers at leading Valley companies; they knew how to be hands-on; and their contributions to the success of their portfolio companies were obvious. It was Perkins who brought in the early consultants to eliminate the white-hot risks at Tandem, and Perkins who pressed Swanson to contract Genentech’s research out to existing laboratories. Similarly, it was Valentine who drove Atari to focus on Home Pong and to ally itself with Sears, and Valentine who arranged for Warner Communications to buy the company. Early risk elimination plus stage-by-stage financing worked wonders for all three companies. Skeptical observers have sometimes asked whether venture capitalists create innovation or whether they merely show up for it. In the case of Don Valentine and Tom Perkins, there was not much passive showing up. By force of character and intellect, they stamped their will on their portfolio companies.

Everyone knew there had never been a cowardly Confederate soldier and they found this statement peculiarly irritating. He always referred to the soldiers as “our brave boys” or “our heroes in gray” and did it in such a way as to convey the utmost in insult. When daring young ladies, hoping for a flirtation, thanked him for being one of the heroes who fought for them, he bowed and declared that such was not the case, for he would do the same thing for Yankee women if the same amount of money were involved. Since Scarlett’s first meeting with him in Atlanta on the night of the bazaar, he had talked with her in this manner, but now there was a thinly veiled note of mockery in his conversations with everyone. When praised for his services to the Confederacy, he unfailingly replied that blockading was a business with him. If he could make as much money out of government contracts, he would say, picking out with his eyes those who had government contracts, then he would certainly abandon the hazards of blockading and take to selling shoddy cloth, sanded sugar, spoiled flour and rotten leather to the Confederacy. Most of his remarks were unanswerable, which made them all the worse. There had already been minor scandals about those holding government contracts. Letters from men at the front complained constantly of shoes that wore out in a week, gunpowder that would not ignite, harness that snapped at any strain, meat that was rotten and flour that was full of weevils. Atlanta people tried to think that the men who sold such stuff to the government must be contract holders from Alabama or Virginia or Tennessee, and not Georgians. For did not the Georgia contract holders include men from the very best families? Were they not the first to contribute to hospital funds and to the aid of soldiers’ orphans? Were they not the first to cheer at “Dixie” and the most rampant seekers, in oratory at least, for Yankee blood? The full tide of fury against those profiteering on government contracts had not yet risen, and Rhett’s words were taken merely as evidence of his own bad breeding. He not only affronted the town with insinuations of venality on the part of men in high places and slurs on the courage of the men in the field, but he took pleasure in tricking the dignified citizenry into embarrassing situations. He could no more resist pricking the conceits, the hypocrisies and the flamboyant patriotism of those about him than a small boy can resist putting a pin into a balloon. He neatly deflated the pompous and exposed the ignorant and the bigoted, and he did it in such subtle ways, drawing his victims out by his seemingly courteous interest, that they never were quite certain what had happened until they stood exposed as windy, high flown and slightly ridiculous.

Here is my six step process for how we will first start with ISIS and then build an international force that will fight terrorism and corruption wherever it appears. “First, in dedication to Lieutenant Commander McKay, Operation Crapshoot commenced at six o’clock this morning. I’ve directed a handpicked team currently deployed in Iraq to coordinate a tenfold increase in aerial bombing and close air support. In addition to aerial support, fifteen civilian security companies, including delegations from our international allies, are flying special operations veterans into Iraq. Those forces will be tasked with finding and annihilating ISIS, wherever they walk, eat or sleep. I’ve been told that they can’t wait to get started. “Second, going forward, our military will be a major component in our battle against evil. Militaries need training. I’ve been assured by General McMillan and his staff that there is no better final training test than live combat. So without much more expenditure, we will do two things, train our troops of the future, and wipe out international threats. “Third, I have a message for our allies. If you need us, we will be there. If evil raises its ugly head, we will be with you, arm in arm, fighting for what is right. But that aid comes with a caveat. Our allies must be dedicated to the common global ideals of personal and religious freedom. Any supposed ally who ignores these terms will find themselves without impunity. A criminal is a criminal. A thief is a thief. Decide which side you’re on, because our side carries a big stick. “Fourth, to the religious leaders of the world, especially those of Islam, though we live with differing traditions, we are still one people on this Earth. What one person does always has the possibility of affecting others. If you want to be part of our community, it is time to do your part. Denounce the criminals who besmirch your faith. Tell your followers the true meaning of the Koran. Do not let the money and influence of hypocrites taint your religion or your people. We request that you do this now, respectfully, or face the scrutiny of America and our allies. “Fifth, starting today, an unprecedented coalition of three former American presidents, my predecessor included, will travel around the globe to strengthen our alliances. Much like our brave military leaders, we will lead from the front, go where we are needed. We will go toe to toe with any who would seek to undermine our good intentions, and who trample the freedoms of our citizens. In the coming days you will find out how great our resolve truly is. “Sixth, my staff is in the process of drafting a proposal for the members of the United Nations. The proposal will outline our recommendations for the formation of an international terrorism strike force along with an international tax that will fund ongoing anti-terrorism operations. Only the countries that contribute to this fund will be supported by the strike force. You pay to play.

Under the impact of Western cultural influences, the souls of many Muslim men and women are slowly shrivelling. They are letting themselves be led away from their erstwhile belief that an improvement of living standards should be but a means to improving man’s spiritual perceptions; they are falling into the same idolatry of ‘progress’ into which the Western world fell after it reduced religion to a mere melodious tinkling somewhere in the background of happening; and are thereby growing smaller in stature, not greater: for all cultural imitation, opposed as it is to creativeness, is bound to make a people small... Not that the Muslims could not learn much from the West, especially in the fields of science and technology. But, then, acquisition of scientific notions and methods is not really ‘imitation’: and certainly not in the case of a people whose faith commands them to search for knowledge wherever it is to be found. Science is neither Western nor Eastern, for all scientific discoveries are only links in an unending chain of intellectual endeavour which embraces mankind as a whole. Every scientist builds on the foundations supplied by his predecessors, be they of his own nation or of another; and this process of building, correcting and improving goes on and on, from man to man, from age to age, from civilisation to civilisation: so that the scientific achievements of a particular age or civilisation can never be said to ‘belong’ to that age or civilisation. At various times one nation, more vigorous than others, is able to contribute more to the general fund of knowledge; but in the long run the process is shared, and legitimately so, by all. There was a time when the civilisation of the Muslims was more vigorous than the civilisation of Europe. It transmitted to Europe many technological inventions of a revolutionary nature, and more than that: the very principles of that ‘scientific method’ on which modern science and civilisation are built. Nevertheless, Jabir ibn Hayyan’s fundamental discoveries in chemistry did not make chemistry an ‘Arabian’ science; nor can algebra and trigonometry be described as ‘Muslim’ sciences, although the one was evolved by Al-Khwarizmi and the other by Al-Battani, both of whom were Muslims: just as one cannot speak of an ‘English’ Theory of Gravity, although the man who formulated it was an Englishman. All such achievements are the common property of the human race. If, therefore, the Muslims adopt, as adopt they must, modern methods in science and technology, they will do not more than follow the evolutionary instinct which causes men to avail themselves of other men’s experiences. But if they adopt - as there is no need for them to do - Western forms of life, Western manners and customs and social concepts, they will not gain thereby: for what the West can give them in this respect will not be superior to what their own culture has given them and to what their own faith points the way. If the Muslims keep their heads cool and accept process as a means and not an end in itself, they may not only retain their own inner freedom but also, perhaps, pass on to Western man the lost secret of life’s sweetness...

Another dangerous neoliberal word circulating everywhere that is worth zooming in on is the word ‘resilience’. On the surface, I think many people won’t object to the idea that it is good and beneficial for us to be resilient to withstand the difficulties and challenges of life. As a person who lived through the atrocities of wars and sanctions in Iraq, I’ve learnt that life is not about being happy or sad, not about laughing or crying, leaving or staying. Life is about endurance. Since most feelings, moods, and states of being are fleeting, endurance, for me, is the common denominator that helps me go through the darkest and most beautiful moments of life knowing that they are fleeing. In that sense, I believe it is good for us to master the art of resilience and endurance. Yet, how should we think about the meaning of ‘resilience’ when used by ruling classes that push for wars and occupations, and that contribute to producing millions of deaths and refugees to profit from plundering the planet? What does it mean when these same warmongers fund humanitarian organizations asking them to go to war-torn countries to teach people the value of ‘resilience’? What happens to the meaning of ‘resilience’ when they create frighteningly precarious economic structures, uncertain employment, and lay off people without accountability? All this while also asking us to be ‘resilient’… As such, we must not let the word ‘resilience’ circulate or get planted in the heads of our youth uncritically. Instead, we should raise questions about what it really means. Does it mean the same thing for a poor young man or woman from Ghana, Ecuador, Afghanistan vs a privileged member from the upper management of a U.S. corporation? Resilience towards what? What is the root of the challenges for which we are expected to be resilient? Does our resilience solve the cause or the root of the problem or does it maintain the status quo while we wait for the next disaster? Are individuals always to blame if their resilience doesn’t yield any results, or should we equally examine the social contract and the entire structure in which individuals live that might be designed in such a way that one’s resilience may not prevail no matter how much perseverance and sacrifice one demonstrates? There is no doubt that resilience, according to its neoliberal corporate meaning, is used in a way that places the sole responsibility of failure on the shoulders of individuals rather than equally holding accountable the structure in which these individuals exist, and the precarious circumstances that require work and commitment way beyond individual capabilities and resources. I find it more effective not to simply aspire to be resilient, but to distinguish between situations in which individual resilience can do, and those for which the depth, awareness, and work of an entire community or society is needed for any real and sustainable change to occur. But none of this can happen if we don’t first agree upon what each of us mean when we say ‘resilience,’ and if we have different definitions of what it means, then we should ask: how shall we merge and reconcile our definitions of the word so that we complement not undermine what we do individually and collectively as people. Resilience should not become a synonym for surrender. It is great to be resilient when facing a flood or an earthquake, but that is not the same when having to endure wars and economic crises caused by the ruling class and warmongers. [From “On the Great Resignation” published on CounterPunch on February 24, 2023]

This has been a collective project from the beginning, and so our first acknowledgment goes to all those who supported and contributed. Funded by a grant from the John D. and Catherine T. MacArthur Foundation, as part of its initiative on Digital Media and Learning, we thank Constance

The Krishnas' resolution was brilliant. They switched to a fund-raising tactic that made it unnecessary for target persons to have positive feelings toward the fund-raisers. They began to employ a donation-request procedure that engaged the rule for reciprocation, which, as demonstrated by the Regan study, is strong enough to overcome the factor of dislike for the requester. The new strategy still involves the solicitation of contributions in public places with much pedestrian traffic (airports are a favorite), but now, before a donation is requested, the target person is given a "gift"—a book (usually the Bhagavad Gita), the Back to Godhead magazine of the Society, or, in the most cost-effective version, a flower. The unsuspecting passerby who suddenly finds a flower pressed into his hands or pinned to his jacket is under no circumstances allowed to give it back, even if he asserts that he does not want it. "No, it is our gift to you," says the solicitor, refusing to accept it. Only after the Krishna member has thus brought the force of the reciprocation rule to bear on the situation is the target asked to provide a contribution to the Society. This benefactor-before-beggar strategy has been wildly successful for the Hare Krishna Society, producing large-scale economic gains and funding the ownership of temples, businesses, houses, and property

Some of the world’s biggest banks and investor groups have swung behind a pledge to raise $200bn by the end of next year to combat climate change. In a move the UN said was unprecedented, leading insurers, pension funds and banks have joined forces to help channel the money to projects that will help poorer countries deal with the effect of global warming and cut reliance on fossil fuels. The announcement came at the start of a UN climate summit in New York aimed at bolstering momentum for a global agreement to lower planet-warming greenhouse gas emissions due to be signed in Paris at the end of 2015. “Change is in the air,” said UN secretary-general, Ban Ki-moon. “Today’s climate summit has shown an entirely new, co-operative global approach to climate change.” The summit opened with business and government pledges to make cities greener, create a renewable energy “corridor” in Africa and rein in the clearing of forests for palm oil plantations. The private sector’s contributions marked a “major departure” from past climate summits, the UN said, adding in a statement that financial groups “had never previously acted together on climate change at such a large scale”. One obstacle to the Paris agreement is developing countries’ insistence that richer nations must fulfil pledges made nearly five years ago to raise $100bn a year by 2020 for climate action.

The period 1820–1850 was one of extremes in the development of education. Incompetent trustees of academy endowments frittered away assets; visionary legislatures set up educational funds, only to raid them for any emergency which arose; forward-looking men wagged an admonishing finger at those in places of responsibility; Governors addressed legislatures, and the press at times vigorously argued in behalf of the uneducated masses. Meanwhile, religious denominations were establishing or getting control of colleges, seminaries, and academies throughout the State; but this contributed little if anything to elementary education.

The rider’s aim was no less than to shut down the operations of one specific federal official.” Another defunded the Fish Passage Center (FPC), the scientific agency that provides fish population data used in environmental lawsuits challenging the Columbia River hydropower system. Without funding for the FPC, the flow of data would dry up; without the data, the lawsuits would lose their key factual thrust against the hydropower industry. Idaho’s former senator Larry Craig crafted the rider. A longtime recipient of campaign contributions from the electric utility industry, Craig drew the title of “legislator of the year” by the National Hydropower Association in 2002.

If your current securities are in a taxable account, and if they’re profitable, you need to consider any resulting taxes and fees before selling existing securities. This is a common problem and is the reason it is so important for investors to use tax-efficient funds when investing in taxable accounts. Here are five steps to minimize taxes: Stop making contributions into unwanted and tax-inefficient securities. Stop reinvesting distributions. Determine the amount of gain or loss in each taxable security. If any security has a loss, consider selling and taking the tax-loss benefit. If any security has a profit, consider selling up to the amount of your losses (after being held for one year to benefit from the lower capital gains tax rate). Numbers 4 and 5 will be a wash and will result in zero tax. Put the proceeds from your sales into the appropriate tax-efficient total market index fund(s).

The Upside of Heuristics The economist Harry Markowitz won the 1990 Nobel Prize in Economics for developing modern portfolio theory: his groundbreaking “mean-variance portfolio optimization” showed how an investor could make an optimal allocation among various funds and assets to maximize returns at a given level of risk. So when it came time to invest his own retirement savings, it seems like Markowitz should have been the one person perfectly equipped for the job. What did he decide to do? I should have computed the historical covariances of the asset classes and drawn an efficient frontier. Instead, I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret. So I split my contributions fifty-fifty between bonds and equities. Why in the world would he do that?

Dollar cost averaging naturally provides steady employment for fund managers and most everyone else associated with the stock market. Regular contributions are therefore sold to the public as something that is beneficial. In reality, dollar cost averaging is a double-edged sword. Proponents usually imagine a scenario of an initial market decline that recovers. In this case, even though the starting and ending price are the same, the average cost is lower, thus resulting in an overall investment gain. Now consider the scenario of a rising market that subsequently declines. In this case, the average cost is higher than the start and ending price, and the investor will have lost money. In fact, given that markets rise much more slowly than they drop, a dollar cost averaging investor is more likely to make an entry and invest larger amounts while the market is rising than during its decline. At its best, dollar cost averaging provides no benefit, but regardless, dollar cost averaging is an excellent way of providing steady work for Wall Street, which collects fees and commissions to invest the steady stream of money from workers.

Adam Grant has an answer. In Give and Take, he writes about the power of purpose to improve not just happiness, but also productivity. 50 His answer, like many brilliant insights, seems obvious once it’s pointed out. The big surprise is how huge the impact is. Adam looked at paid employees in a university’s fund-raising call center. Their job was to call potential donors and ask for contributions. He divided them into three groups. Group A was the control group, and just did their jobs. Group B read stories from other employees about the personal benefits of the job: learning and money. Group C read stories from scholarship recipients about how the scholarships had changed their lives. Groups A and B saw no difference in performance. Group C, in contrast, grew their weekly pledges by 155 percent (to twenty-three a week from nine a week) and weekly fund-raising by 143 percent (to $ 3,130 from $ 1,288). If reading

Inspired by these meetings, Franklin created a scheme in which the Junto members would contribute funds toward buying books that all members could use. This model soon grew beyond Franklin’s Friday evening gatherings, leading him in 1731 to write the charter for the Library Company of Philadelphia, one of the first subscription libraries in America.

A high school dropout, Robert Vesco bilked and conned his way to riches. Two times Forbes magazine named Vesco as one of the 400 richest Americans. The articles simply stated that he was a thief. As a man continually on the run, he was constantly attempting to buy his way out of the many complicated predicaments he got himself into. In 1970, Vesco made a successful bid to take over Investors Overseas Services (IOS), an offshore, Geneva-based mutual fund investment firm, worth $1.5 Billion. Employing 25,000 people and selling mutual funds throughout Europe, primarily in Germany, he thought of the company as his own private slush fund. Using the investors’ money as his own, he escalated his investment firm into a grand “Ponzi Scheme.” During this time he also made an undisclosed $200,000 contribution to Maurice Stans, Finance Chairman for President Nixon’s Committee to Re-elect the President, known as CREEP. To make matters worse, the media discovered that his contribution was being used to help finance the infamous Watergate burglary.

Underdevelopment points out the disparity between the rich countries in Europe and North America and countries in Africa, Asia, and Latin America. A trip down history lane tells that the developed nations deeply exploited the developing countries, ultimately leaving them severely crippled. Slavery and colonialism served as the epitome of this exploitation where the Europeans built and developed their economies at the expense of the developing countries. Although we are in the 21st century, the new political, economic, and cultural world order that is powered by globalization perpetrates neocolonialism. Similarly, democracy has had its role in upholding underdevelopment as it involves the conversion of structures, practices, and institutions to resemble those of developed countries. Finally, poor leadership in developing countries contributes as it focuses on leaders amassing wealth. Therefore, developing countries need strong leadership within individual countries and in coalition with others to resists the forces of neocolonialism. Reviewing trade liberalization will allow local firms to flourish. They also need to lobby for more participation in global bodies such as the international monetary fund and the World Bank to make them accountable to underdeveloped communities.

This has been a collective project from the beginning, and so our first acknowledgment goes to all those who supported and contributed. Funded by a grant from the John

So how do my election law offenses compare to those of leading progressives? Well, let’s see. Senate Majority Leader Harry Reid took $31,000 in late 2013 from his campaign funds to buy jewelry for his granddaughter Ryan Elisabeth Reid’s wedding. In his campaign year-end report, Reid tried to hide his granddaughter’s relationship to him by simply listing the transaction as a “holiday gift” to one “Ryan Elisabeth.” The impression Reid sought to convey was that he was buying gifts for his supporters. When it came to light that Reid had funneled campaign money to his granddaughter, Reid agreed to repay the money, but waxed indignant at continuing questions from reporters. “As a grandparent,” he fumed, “I say enough is enough.” Although Reid’s case involves obvious corruption, the Obama administration has neither investigated nor prosecuted a case against this stalwart Obama ally.6 Bill Clinton, you may recall, had his own campaign finance controversy. Following the 1996 election, the Democratic National Committee was forced to return $2.8 million in illegal and improper donations, most of it from foreign sources. Most of that money was raised by a shady Clinton fundraiser named John Huang. Huang, who used to work for the Lippo Group, an Indonesian conglomerate, set up a fundraising scheme for foreign businessmen seeking special favors from the U.S. government to meet with Clinton, in exchange for large sums of money. A South Korean businessman had dinner with President Clinton in return for a $250,000 donation. Yogesh Gandhi, an Indian businessman who claimed to be related to Mahatma Gandhi, arranged to meet Clinton in the White House and be photographed receiving an award in exchange for a $325,000 contribution. Both donations were returned, but again, no official investigation, no prosecutions.7

When evaluating a new client for degree of independence, I consider four factors: 1. Emotional issues: Does the person have good resources within himself or herself for coping independently with emotional issues that come up, or does he or she turn to parents not only for advice, but for cues as to how to react to the event in question? 2. Financial issues: Does the adult child earn an adequate living on his or her own, or does he or she rely heavily on parental input for things such as job contacts, supplemental funds, or housing? 3. Practical issues/interactive situations: Can the person manage day-to-day living, finances, nutrition, exercise, and housekeeping? 4. Career/Education issues: Does the person have a rewarding job or career that is commensurate with his or her abilities and offers the potential for further success? Is the person willing to learn new things to increase his or her productivity or compensation? These are the basic skills of living, many of which are addressed in the social ability questionnaire. Just as there are levels of social functioning, so too there are levels of independent functioning. All three of the following levels describe an adult with some degree of dependency problems. A healthy adult is someone who is independent financially, is able to manage practical and interactive issues, and who stays in touch with family but does not rely almost solely on family for emotional support. Level 1—Low Functioning Emotional issues: Lives at home with parent(s) or away from home in a fully structured or supervised environment. Financial issues: Contributes virtually nothing financially to the running of the household. Practical issues: Chooses clothes to wear that day, but does not manage own wardrobe (i.e., laundry, shopping, etc.). Relies on family members to buy food and prepare meals. Does few household chores, if any. May try a few tasks when asked, but seldom follows through until the job is finished. Career/education issues: Is not table to keep a job, and therefore does not earn an independent living. Extremely resistant to learning new skills or changing responsibilities. Level 2: Moderately functioning Emotional issues: Lives either at home or nearby and calls home every day. Relies on parents to discuss all details of daily life, from what happened at work or school that day to what to wear the next day. Will call home for advice rather than trying to figure something out for him- or herself. Financial issues: May rely on parents for supplemental income—parents may supply car, apartment, etc. May be employed by parents at an inflated salary for a job with very few responsibilities. May be irresponsible about paying bills. Practical issues: Is able to make daily decisions about clothing, but may rely on parents when shopping for clothing and other items. Neglects household responsibilities such as laundry, cleaning and meal planning. Career/education issues: Has a job, but is unable to cope with much on-the-job stress; job is therefore only minimally challenging, or a major source of anxiety—discussed in detail with Mom and Dad. Level 3: Functioning Emotional issues: Lives away from home. Calls home a few times a week, relies on family for emotional support and most socializing. Few friends. Practical issues: Handles all aspects of daily household management independently. Financial issues: Is financially independent, pays bills on time. Career/education issues: Has achieved some moderate success at work. Is willing to seek new information, even to take an occasional class to improve skills.

Millions more, the vast majority, remain in camps. And through our tax contributions to the UN, we all pay billions of dollars to keep them there. In Dadaab that means funding schools, hospitals and shipping 8,000 tonnes of food per month into the middle of the blistering desert to feed everyone. This

after Citizens United was that the business of manipulating politics from the ground up was now heavily directed and funded by the unelected rich. To get the job done, they used front groups claiming to be nonpartisan social welfare groups, funded by contributions from some of the world’s largest corporations and wealthy donors like the Kochs.

Those hundreds of “gender projects” funded by aid money might have been more effective if they had also included men. The fact that Westerners often came in intending to promote only women in a country where the majority are unemployed also contributed to the perception that the entire idea of human rights and gender equity was a stand against men.

Give to friends who do amazing jobs but who earn very little, give to charities that move you, give to those the world overlooks, give as your heart tells you - and learn to listen to it. And by all means live a great life yourself along the way - why not? You have worked hard for it, paid your taxes and you deserve it. The main thing to remember, though, is to keep giving lots of money away as well. If you do, then, in return, it will do many things for you… This attitude will ensure that money never makes a slave of you - it will keep you in control of it, rather than it controlling you. It will ensure that you treat money as a resource given to you to allow you to improve your life and those you have the power to touch around you. Always use it accordingly. It will ensure you keep light fingers with regard to money matters - which means that you don’t care too much about holding on to it, and you can let it pass through your hands easily to those in more need. Remember: the process of giving will always benefit you more than the extra funds themselves ever can. There is a powerful parable in the Gospels of Mark and John, where Jesus and his disciples watch the people arrive at the temple and make their donations. Many make a big show of offering large sums, a spectacle for all to admire. But then an old widow quietly offers two of the smallest coins in circulation at that time, called mites. Jesus explains to his followers that the widow’s contribution of two mites, though small in financial terms, means more to God than the larger donations. The parable reminds us that it isn’t about the amount, it’s about the spirit. The old widow got it right, and the real legacy of her giving has endured far beyond any amount of money ever could. So build for eternity, not for the temporary - and always give with this in mind.

Strategy #10 – Saving for Your Child’s Education with Maximum Tax Benefits The challenge I have with government-sponsored educational savings plans is that the government is in control of your money, how you use it, when you use it, and how it’s taxed. For example, in a 529 plan (also called a Coverdell IRA), you can deduct money you contribute to the IRA and then when you use it tax-free for your child’s education. Sounds almost too good to be true, doesn’t it? What sort of limitations do you think the government places on these funds in order to control your money? First, they control how much you can contribute. Then, they control what you can do with the money in the plan, even controlling how you invest the money. Next, they control what expenses you can pay for with the fund. Only certain educational expenses qualify. Finally, if you don’t use the funds for education, you have only two choices. One choice is to transfer the money to a relative who can use it for their education. The other is to distribute it to yourself and pay taxes and penalties. So, if you make too much money from your investments in the plan, you pay a penalty for not using all of the money for education. What if you could have all of the tax benefits of a 529 plan without giving the government any control over your money? Wouldn’t that be a lot better? In tax strategy #5 we talked about paying your children to work in your business. When I teach this principle in my Tax and Asset Protection class, the question always comes up about what to do with the money you pay them. This is the perfect opportunity to have your children pay for their own education without having to rely on Section 529 plans or other tax-deferred, government controlled educational savings plans. Your children can contribute their money to an LLC, limited partnership, or S corporation that owns a business or investments. Like a 529 plan, you get a deduction when you pay your child a salary. Like a 529 plan, there is no tax to the child when received. Like the 529 plan, with good planning, especially in real estate, there is no tax on the cash flow from the investment. But unlike a 529 plan, you have full control over the investment. Unlike a 529 plan, you can take it out and use it for any expense for your child (except for support, like food and clothing), and you can take it out any time you like. Unlike a 529 plan, there are no penalties for distributing the money or accumulating a huge amount over a lifetime. Now isn’t that a much better plan than a government-controlled savings plan? Stop using government plans and make your own plan. You will have much more control and

The long tail is a myth, a fact evidenced by the current music business, in which 80 percent of the revenue is generated by 1 percent of the content. Even at the height of the early blockbuster era, spawned by Michael Jackson’s Thriller, 80 percent of the revenue was spread among the top 20 percent of the content. So even in a different winner-takes-all scenario, the revenue was spread out among more artists than it is today. Economists have noted that winners “take all” in many sectors (including hedge funds), and that this has clearly contributed to global income equality, but in the digital media business it seems especially Darwinian. In a world where four hundred hours of video are uploaded to YouTube every minute of every day, the commodification of what was once considered an art (or at least a craft) has become inevitable. For all the stories promoted by Google about YouTube millionaires, the traffic statistics tell another story. Most YouTube videos have fewer than 150 views.

I took the opportunity to complain about our typical government approach of making the same mistakes again and again. I said, “It reminds me of the ancient tribal wisdom that goes, ‘When you’re riding a dead horse, the best strategy is to dismount.’ Well—in Washington—we sometimes do things differently.” I explained: When we find ourselves riding a dead horse, we often try strategies that are less successful, such as: buying a stronger whip, changing riders, saying things like: “This is the way we’ve always ridden this horse,” appointing a committee to study the horse, lowering the standards so that more dead horses can be included, appointing a tiger team to revive the dead horse, hiring outside contractors to ride the dead horse, harnessing several dead horses together—to increase speed—attempting to mount multiple dead horses in hopes that one of them will spring to life, providing additional funding and training to increase the dead horse’s performance, declaring that, since a dead horse doesn’t have to be fed, it’s less costly, carries lower overhead, and therefore, contributes more to the mission than live horses, and my favorite—promoting the dead horse to a supervisory position.

We encourage you to follow the changes occurring within your microbiota by participating in the American Gut Project. Although we are not involved in this crowd-funded science project, it is run by a team of well-respected scientists and has provided thousands of people with information about their microbiota. You can have your gut microbiota sequenced before and during your process of microbiota improvement to witness the changes to the new aspects of your diet and lifestyle. You will be provided with a report specifying the types of microbes that make up your microbiota and how it compares with others who have participated as well as to people living in developing regions of the world (Malawi and Venezuela). This information will not only allow a better view of your microbiota and how it compares with others, but will also contribute to the scientific understanding of these communities. To guide you in your journey of microbiota revitalization, we recommend submitting multiple samples—an initial sample to document where your microbiota started out, then one or more after you have made dietary and lifestyle adjustments in order to see how these changes are impacting your gut community over time. This will not only be informative but may also motivate you to keep improving the health of your microbiota.

But by the end, we had raised over $1 billion. I think it was the largest fund of its kind at the time. We focused on turning around companies that had taken on excessive debt in the 1980s. We contributed our own capital in order to align our interests with those of our investors, and we didn’t charge fees on each acquisition like many leveraged-buyout firms did. Instead, we used the funds to share risk with our investors—and to share opportunities. We had a stated objective of holding our investments for ten to twelve years.

A scientific discovery in our time is likely to be not the work of a solitary researcher or a small team working with improvised equipment, but the product of a big team in an expensive lab operating with government funds. In such conditions the scientist is less and less likely to speak out against government policies. Today, for example, there is scarcely a physicist who thinks the Strategic Defense Initiative or its successor, National Missile Defense, can be made to work in anything like the way the Defense Department claims. Some disbelievers, however, accept government funds for the project in hopes of making an ancillary contribution to science, and cover their doubts with silence. The public has been lied to as a result, and billions of dollars have been wasted on an illusion.

The Financial Priority List Starter emergency fund (three months of living expenses in a high-yield savings account). 1.5.  If your employer matches your contributions to a 401(k) or 403(b) retirement savings account, pay in as much as you can. Pay down high-interest debt (anything with interest over 7 percent). Invest for retirement while also paying off lower-cost debt (again, any debt racking up less than 7 percent in interest, such as most student and car loans, mortgages, and so forth). Save for the Big Life Stuff.

Have a Profession, Not a Job Everyone except trust fund babies and perennial welfare recipients need to work.  It is an unavoidable fact of life that if you don't want to be homeless, go hungry, constantly beg, or wish to have any semblance of a normal, healthy financial life you need to work.  But in the fact work traditionally consumes half of your waking life (more if you include commute), if your job has a point and purpose to it, then so too does your life.  This isn't to say there is anything wrong with being a general laborer, a barista, or a fast food worker.  We all start somewhere and these low-skilled, entry level jobs are a vital part of the economy and a starting point in everyone's working career.  But if you take the time to learn a skill, develop a trade, or earn an employable degree, you can have a profession, not merely a job.  This confers upon you and your life immediate purpose and value as now you get to declare yourself as an individual with a specific skill. “I'm a plumber.” “I'm a CPA.” “I'm a cop.” Or “I'm a programmer.” And this statement declares how you contribute to the economy, how you earn your keep in this society, and is usually the first thing people ask about you – what do you do? Furthermore, as it just so happens, being a professional pays more.  Admittedly, it takes some training and education, and for some particularly prestigious professions it can take years (for example, being a surgeon).  But if you go that extra mile and invest in yourself a year or eight to develop a skill or a trade, the remaining 50-60 years of your life will not only be more profitable, but will give you purpose and meaning for your entire working career.

Mitt the Ripper” was in fact a campaign ad, styled like the classic attack ads that become all too familiar to Americans in even-numbered years. This one happened to appear on the television screens of South Carolinians in mid-January, sandwiched between others supporting or attacking Romney and the other Republican presidential candidates. There could be little doubt that Colbert’s group was behind “Mitt the Ripper,” because as the ad was concluding, a crucial bit of text appeared underneath a doctored image of Romney giddily running corporate logos through a wood chipper: “Paid for by Americans for a Better Tomorrow, Tomorrow, Which is Responsible for the Content of This Advertising. Not Authorized by any Candidate or Candidate’s Committee.” Americans for a Better Tomorrow, Tomorrow (ABTT) was among a new type of player in American politics. It was not a corporate advocacy group like Citizens United, nor was it a for-profit corporation. Rather, ABTT was a “super PAC” that Colbert had created in an effort to further a national conversation about the newly expanded ability of groups to influence the political process with unlimited—and sometimes anonymous—contributions. Colbert’s super PAC, like hundreds of others functioning during the 2012 election, was able to solicit contributions of any size from individuals, corporations, and labor unions, so long as it only used the funds for political advertising, and so long as it did not “coordinate” its activities with any political campaign or committee.

Prior to 2010, the Court’s holding in Buckley v. Valeo (424 U.S. 1 (1976))—in which it equated spending to political speech—meant that individuals were free to spend unlimited sums on their own, even for “express advocacy” of the election or defeat of a named candidate. Individuals funding communications in this way were (and are) subject to only one constraint: They had to identify themselves on/in the material, generally with a “paid for by” disclosure statement. However, individuals seeking to pool their resources with others were subject to significantly more regulations. This was true even if only two people desired to jointly fund an ad, as the Federal Election Campaign Act (FECA) defined a political committee as “any committee, club, association, or other group of persons which receives contributions aggregating in excess of $1,000 during a calendar year or which makes expenditures aggregating in excess of $1,000 during a calendar year; or in order to add their funds to those of like-minded individuals for the purpose of amplifying the message

and the Bipartisan Campaign Reform Act (BCRA) of 2002, a set of reforms which became commonly known as “McCain-Feingold” after Senators John McCain (R-AZ) and Russell Feingold (D-WI) had sponsored similar legislation in the Senate. The BCRA had made sweeping changes to campaign finance regulations in federal elections, including higher individual contribution limits and the banning of so-called soft money raised by parties in unlimited sums. Soft money was ostensibly for “party-building” activities such as phone banking or party (not candidate) advertising, but in practice, the line between “party” functions and “campaign” activities—that expressly advocated the election or defeat of an individual candidate—was often blurry (Magleby 2010). By the end of the 1990s, donors could write massive checks to aid the campaigns of their favored candidates (Gill and Lipsmeyer 2005). The Democratic and Republican Parties combined raised a little more than $85 million in soft money in 1992; in 2002 the combined figure was nearly $500 million (Gill and Lipsmeyer 2005, Table 1). By banning such funding, the BCRA was widely seen as an impediment to the ability of moneyed interests to “buy votes” (see: Corrado 2003; Malbin 2003).

In a narrow decision, the Supreme Court determined that MCFL had violated the FECA by engaging in express advocacy with its treasury funds, but more importantly, that the FECA ban on independent expenditures amounted to an unconstitutional impediment to corporate speech. However, the Court held that only a narrow set of corporate organizations were exempt from the ban on direct corporate expenditures. Specifically, the Court formulated the “MCFL Test” that deemed only expenditures from nonprofit, politically oriented corporations allowable for express advocacy. For a corporate organization to fit this definition, the Supreme Court held that three criteria must be met: First, the main purpose of the organization must be “promoting political ideas,” and not “business activities.” Second, the group may have no shareholders that can take a part of its assets or income. Third, the group must not be affiliated with a business corporation or labor union, and may not accept contributions from those entities (see: Askin 2002).

The Supreme Court decided in Citizens United v. FEC (558 U.S. 310 (2010)) that although corporations and labor unions were still barred from contributing money directly to federal candidates, they could spend funds from their treasury to purchase advertising to support or attack candidates by name. At the heart of the Court’s logic was the holding that corporate spending—so long as the money did not go to campaigns as contributions—was tantamount to political speech, which was subject to First Amendment protections and could therefore not be lawfully limited. Following the lead of the Supreme Court on this question, subsequent lower court decisions held that any group wishing to spend money to communicate a message (but not to contribute to candidates) could therefore raise unlimited contributions from both private citizens and corporations. This was an unprecedented expansion of not only outside groups’ ability to spend money in federal elections, but also of the capacity of donors to channel their money to groups with the aim of communicating a political message.

Suraj solar and allied industries, Wework galaxy, 43, Residency Road, Bangalore-560025. Mobile number : +91 808 850 7979 Sun oriented streetlamps are a creative and practical lighting arrangement that bridles the force of the sun to enlighten streets, pathways, and public spaces. In urban communities like Bangalore, where energy proficiency and natural manageability are key needs, the reception of sun based streetlamps has been picking up speed. This article investigates the different parts of sun based streetlamps, including their advantages, estimating factors in Bangalore, an examination of various items, experiences into a main supplier like SuneaseSolar, ways to choose the right streetlamp, and rules for establishment and support. 1. Prologue to Sunlight based Streetlamps What are Sunlight based Streetlamps? Sun oriented streetlamps are independent lighting frameworks that bridle the force of daylight to enlighten open air spaces like roads, pathways, and public regions. These lights comprise of sun powered chargers, Drove lights, batteries, and a regulator to deal with the energy stream. Significance of Sun based Streetlamps Sun based streetlamps assume a significant part in improving wellbeing, security, and perceivability in metropolitan and provincial regions where customary lattice power might be untrustworthy or inaccessible. They offer a practical and productive lighting arrangement that decreases reliance on non-renewable energy sources and adds to a greener climate. 2. Advantages of Sun powered Streetlamps Energy Effectiveness Sun oriented streetlamps are profoundly energy-effective as they work by changing over daylight into power, taking out the requirement for lattice power. This outcomes in lower energy utilization and decreased fossil fuel byproducts, making them an economical lighting choice. Cost Reserve funds By using sun powered energy, sun based streetlamps help in chopping down power charges fundamentally over their life expectancy. The underlying interest in sun powered streetlamps is balanced by long haul cost reserve funds because of negligible upkeep prerequisites and no power costs. Ecological Effect Sunlight based streetlamps add to natural preservation by using inexhaustible sun oriented energy and decreasing carbon impressions. They help in fighting environmental change and advancing a cleaner, greener planet by diminishing dependence on non-sustainable power sources. 3. Factors Influencing solar street light price in bangalore Nature of Parts The cost of sun oriented streetlamps in Bangalore can change in view of the nature of parts utilized, like sun powered chargers, batteries, and Drove lights. More excellent parts frequently bring about better execution and strength, yet may come at a greater cost. Government Endowments and Motivators Government endowments and motivators can affect the last expense of sun based streetlamps in Bangalore. Different plans and projects might offer monetary help or tax reductions, making sunlight based lighting more reasonable and appealing for shoppers. Establishment and Support Expenses Extra factors like establishment and upkeep expenses can impact the general cost of sunlight based streetlamps. Legitimate establishment and normal support guarantee ideal execution and life span, prompting likely expense reserve funds over the long haul. 4. Examination of solar street light price in bangalore Market Investigation of Various Brands A correlation of sunlight based streetlamp costs in Bangalore ought to incorporate an examination of various brands and their contributions. Factors like brand notoriety, item quality, and after-deals backing can affect the cost and generally an incentive for purchasers. Highlights and Particulars While contrasting sun powered streetlamp costs in Bangalore, it's fundamental to consider the highlights and determinations presented by various models.

The cover-up and disinformation campaign has been so successful that most scientists do not even know UAP are real. We need everyone to at least know this is all real so we can get a whole-of-government approach, much more funding, and the brightest minds in our country contributing to us winning, as we won the space race. China and Russia do not have the same stigma and can employ their scientists to work on this topic for them.

In times of war, every person claims to contribute to the effort. Some give lip service, some provide funds, but few are willing to sacrifice everything. This, I believe, is why we have been unable to defeat the thinking machines. —ZUFA CENVA, The Rossak Weapon

Each year millions of children die from easy to beat disease, from malnutrition, and from bad drinking water. Among these children, about 3 million die from dehydrating diarrhea. As UNICEF has made clear to millions of us well-off American adults at one time or another, with a packet of oral rehydration salts that costs about 15 cents, a child can be saved from dying soon. By sending checks earmarked for Oral Rehydration Therapy, or ORT, to the U.S. Committee for UNICEF, we Americans can help save many of these children. Here's the full mailing address: U.S. Fund for UNICEF 125 Maiden Lane New York, NY 10038 Now, you can write that address on an envelope well prepared for mailing. And, in it, you can place a $100 check made out to the U.S. Fund for UNICEF along with a note that's easy to write: WHERE IT WILL HELP THE MOST, USE THE ENCLOSED FUNDS FOR ORT. So, as is reasonable to believe, you can easily make a big difference for vulnerable children. [...] With our $3 figure in mind, we do well to entertain this proposition: If you'd contributed $100 to one of UNICEF's most efficient lifesaving programs a couple of months ago, this month there'd be over thirty fewer children who, instead of painfully dying soon, would live reasonably long lives. Nothing here's special to the months just mentioned; similar thoughts hold for most of what's been your adult life, and most of mine, too. And, more important, unless we change our behavior, similar thoughts will hold for our future. That nonmoral fact moved me to do the work in moral philosophy filling this volume.

Before any of you get on your high horse about taxpayers’ money, not that I think you would, you splendid things, it’s all paid for out of contributions from our salary. I paid into another fund so I even got some pocket money when I got there.

Although we have been successful in our careers, they have not turned out quite as we expected. We both have changed positions several times—for all the right reasons—but there are no pension plans vesting on our behalf. Our retirement funds are growing only through our individual contributions.

Involve them with college savings. Even though your kids should contribute to their college education expenses, most parents recognize that the high cost of college effectively puts this burden on the parents. Open an account for each of your children and make contributions to each one equitably. Show them how their fund is growing—and how it compares to the cost of the education they want.

Corporations began to take a more active and public role in free software projects, contributing time and equipment, and sometimes even directly funding the development of free programs. Such investments could, in the best scenarios, repay themselves many times over. The sponsor only pays a small number of expert programmers to devote themselves to the project full time, but reaps the benefits of everyone’s contributions, including work from unpaid volunteers and from programmers being paid by other corporations.

So since I tossed snow at you earlier, am I going to have to make a contribution to the Kate-have-a-good-time fund?” he asked. I angled my chin haughtily. “You might. It’ll cost you more, though, since you also tackled me to the ground.” “I’m strapped for cash. We might have to work it out in trade.” “What kind of trade?” He gave me a grin that made me think I was in deep trouble. “We’ll work something out. Maybe it’ll end up being a good time for us both.

A half century ago, America contributed over 80% of all money given to, and used in foreign missionary activities. Modern missions were founded in this nation during the mid-1860’s, and then spread around the world. It is without question a true statement that America has been a golden cup in the Lord’s hand for great good, for many people. American Christians have written, printed and distributed around the world millions and millions, hundreds of millions, of Bibles, tracts, commentaries, Bible studies, and other Christian literature, in every known language, and in many languages previously unknown.  The Jesus Film Project has shown The Jesus Film in every nation, translated into 1,043 languages and dialects, with over 6 billion viewings over the last 30 years, mostly funded by American Christian contributors. Truly, America has been a golden cup in the hands of the Lord.

Josh Miller, 22 years old. He is co-founder of Branch, a “platform for chatting online as if you were sitting around the table after dinner.” Miller works at Betaworks, a hybrid company encapsulating a co-working space, an incubator and a venture capital fund, headquartered on 13th Street in the heart of the Meatpacking District. This kid in T-shirt and Bermuda shorts, and a potential star of the 2.0 version of Sex and the City, is super-excited by his new life as a digital neo-entrepreneur. He dropped out of Princeton in the summer of 2011 a year before getting his degree—heresy for the almost 30,000 students who annually apply to the prestigious Ivy League school in the hope of being among the 9% of applicants accepted. What made him decide to take such a big step? An internship in the summer of 2011 at Meetup, the community site for those who organize meetings in the flesh for like-minded people. His leader, Scott Heiferman, took him to one of the monthly meetings of New York Tech Meetup and it was there that Miller saw the light. “It was the coolest thing that ever happened to me,” he remembers. “All those people with such incredible energy. It was nothing like the sheltered atmosphere of Princeton.” The next step was to take part in a seminar on startups where the idea for Branch came to him. He found two partners –students at NYU who could design a website. Heartened by having won a contest for Internet projects, Miller dropped out of Princeton. “My parents told me I was crazy but I think they understood because they had also made unconventional choices when they were kids,” says Miller. “My father, who is now a lawyer, played drums when he was at college, and he and my mother, who left home at 16, traveled around Europe for a year. I want to be a part of the new creative class that is pushing the boundaries farther. I want to contribute to making online discussion important again. Today there is nothing but the soliloquy of bloggers or rude anonymous comments.” The idea, something like a public group email exchange where one can contribute by invitation only, interested Twitter cofounder Biz Stone and other California investors who invited Miller and his team to move to San Francisco, financing them with a two million dollar investment. After only four months in California, Branch returned to New York, where it now employs a dozen or so people. “San Francisco was beautiful and I learned a lot from Biz and my other mentors, but there’s much more adrenaline here,” explains Miller, who is from California, born and raised in Santa Monica. “Life is more varied here and creating a technological startup is something new, unlike in San Francisco or Silicon Valley where everyone’s doing it: it grabs you like a drug. Besides New York is the media capital and we’re an online publishing organization so it’s only right to be here.”[52]

People who have seen the latest Greek plan said Athens was proposing new savings in the pension system — the biggest sticking point — which will amount to about 0.4 per cent of gross domestic product this year and just over 1 per cent next year. But this is short of the 1 per cent savings this year and next that Greece’s creditors had demanded. It also relies on higher employer contributions which, alongside proposed tax changes targeting corporate profits, could crimp economic growth, some creditor officials fear. The two sides also remain at loggerheads over rates of valued added tax on electricity and processed food. According to officials who attended the eurogroup meeting, Christine Lagarde, the International Monetary Fund chief, was particularly tough.

This type of tax structure also minimises the opportunity for citizens to protest against their government. Direct taxes, in particular income tax, are viewed as the category of tax that gives citizens most proof that they are contributing to the public purse. In Arab countries, the majority of tax receipts are derived from indirect sales and customs taxes hidden in the price … These types of tax typically conceal the direct link between tax payments and funding of the public purse, thus weakening public pressure for accountability. At the same time, income tax revenue is negligible and tax evasion is on the rise, particularly among influential social groups, which, in principle, should shoulder the greatest burden in funding the public purse, if only as fair return for their greater share of power and wealth. Moreover, in Arab countries, the share of direct taxes appears to have dropped over time, as a result of increasing resort to indirect taxes.

What resulted from this approach was a complicated flowchart enabling the Kochs to use their fortune to influence public policy from an astounding number of different directions at once. At the top, the funds all came from the same source—the Kochs. And in the end, the contributions all served the same pro-business, limited-government goals. But they funneled the money simultaneously through three different kinds of channels. They made political contributions to party committees and candidates, such as Dole. Their business made contributions through its political action committee and exerted influence by lobbying. And they founded numerous nonprofit groups, which they filled with tax-deductible contributions from their private foundations. Other wealthy activists made political contributions, and other companies lobbied. But the Kochs’ strategic and largely covert philanthropic spending became their great force magnifier.

Why are you crying?” She didn’t answer. He watched her swallow down something, eyes still closed and he waited. And still, she offered no enlightenment. “Gabrielle, why are you crying?” Women were so fickle. She had no issue expressing herself any other time. He watched her inhale a breath through her nose, watched her chest rise and fall and then she opened her eyes and looked up at him like an insubordinate student; but still her lips didn’t part. Power tried to maintain composure, but ‘why the fuck are you crying and fucking answer me now’ was on the tip of his tongue and ready to spill. “Gabrielle, why are you-” “Because I cry!” Power’s lids widened a bit as she leaped to her feet with that, then they returned to normal size. “I cry! It’s what I do. I cry, okay?” She flailed her arms and paced the tiny space with the words. “I go all day – waking up, making breakfast, smiling, and taking shit from my boss, serving customers and arguing with dead beat dads, and…and… and barely making PTA meetings, putting off church fund contribution begging-ass folk, and checking homework, and…and making dinner, and stomaching I found the love of my life stories from Glo, and fighting off a crack head mother…worrying about a stupid, reckless teenager who I want the best for, and loving a son, and scraping and…and scouring everything I have to pay stupid bills and I can never catch up! Something’s always due, something’s always…broke! Something is always needed.

The idea is simple: Provide full public financing of elections for qualified candidates. That is, give candidates who have established a broad base of community support a grant to run their campaigns. If candidates accept public funds, they must agree to forgo any private contributions. Clean elections grants equal opportunity to run for public office. It ensures that elections are fair by stripping away the corrosive influence of money. Elections are a public good and should be supported by the common wealth. Clean

One Stanford op-ed in particular was picked up by the national press and inspired a website, Stop the Brain Drain, which protested the flow of talent to Wall Street. The Stanford students wrote, The financial industry’s influence over higher education is deep and multifaceted, including student choice over majors and career tracks, career development resources, faculty and course offerings, and student culture and political activism. In 2010, even after the economic crisis, the financial services industry drew a full 20 percent of Harvard graduates and over 15 percent of Stanford and MIT graduates. This represented the highest portion of any industry except consulting, and about three times more than previous generations. As the financial industry’s profits have increasingly come from complex financial products, like the collateralized debt obligations (CDOs) that ignited the 2008 financial meltdown, its demand has steadily grown for graduates with technical degrees. In 2006, the securities and commodity exchange sector employed a larger portion of scientists and engineers than semiconductor manufacturing, pharmaceuticals and telecommunications. The result has been a major reallocation of top talent into financial sector jobs, many of which are “socially useless,” as the chairman of the United Kingdom’s Financial Services Authority put it. This over-allocation reduces the supply of productive entrepreneurs and researchers and damages entrepreneurial capitalism, according to a recent Kauffman Foundation report. Many of these finance jobs contribute to volatile and counter-productive financial speculation. Indeed, Wall Street’s activities are largely dominated by speculative security trading and arbitrage instead of investment in new businesses. In 2010, 63 percent of Goldman Sachs’ revenue came from trading, compared to only 13 percent from corporate finance. Why are graduates flocking to Wall Street? Beyond the simple allure of high salaries, investment banks and hedge funds have designed an aggressive, sophisticated, and well-funded recruitment system, which often takes advantage of [a] student’s job insecurity. Moreover, elite university culture somehow still upholds finance as a “prestigious” and “savvy” career track.6

The economist Harry Markowitz won the 1990 Nobel Prize in Economics for developing modern portfolio theory: his groundbreaking “mean-variance portfolio optimization” showed how an investor could make an optimal allocation among various funds and assets to maximize returns at a given level of risk. So when it came time to invest his own retirement savings, it seems like Markowitz should have been the one person perfectly equipped for the job. What did he decide to do? I should have computed the historical covariances of the asset classes and drawn an efficient frontier. Instead, I visualized my grief if the stock market went way up and I wasn’t in it—or if it went way down and I was completely in it. My intention was to minimize my future regret. So I split my contributions fifty-fifty between bonds and equities. Why

Sec. Particulars Amount 80C Tax saving investments1 Maximum up to Rs. 1,50,000 (from FY 2014-15) 80D Medical insurance premium-self, family Individual: Rs. 15,000 Senior Citizen: Rs. 20,000 Preventive Health Check-up Rs. 5,000 80E Interest on Loan for Higher Education Interest amount (8 years) 80EE Deduction of Interest of Housing Loan2 Up to Rs.1,00,000 total 80G Charitable Donation 100%/ 50% of donation or 10% of adjusted total income, whichever is less 80GGC Donation to political parties Any sum contributed (Other than Cash) 80TTA Interest on savings account Rs. 10,000 1              Tax saving investments includes life insurance premium including ULIPs, PPF, 5 year tax saving FD, tuition fees, repayment of housing loan, mutual fund (ELSS) (Sec. 80CCB), NSC, employee provident fund, pension fund (Sec. 80CCC) or pension scheme (Sec. 80CCD), etc. NRIs are not allowed to invest in certain investments, such as PPF, NSC, 5 year bank FD, etc. 2              Only to the first time buyer of a self-occupied residential flat costing less than Rs. 40 lakhs and loan amount of less than 25 lakhs sanctioned in financial year 2013-14 Clubbing of other’s income Generally, the taxpayer is taxed on his own income. However, in certain cases, he may have to pay tax on another person’s income.  Taxpayers in the higher tax bracket (e.g. 30%) may divert some portion

He felt a giant among pygmies, a pike among crappies, as he stood there among the legislators, most of whom owed him for flavors - special bills passed for their law clients, state jobs for constituents, " contributions" for their personal campaign funds, and so on.

Engineer’s fascination with CPVC began in the mid-1990s. During this period, in the construction and plumbing industry, pipes were still made of iron and copper. Engineer saw that corrosion was a major problem with galvanized pipes and India was materially behind the evolution curve in the use of plastics for pipes. In the United States, CPVC was the new anti-corrosion solution for plastic pipes, which was swiftly replacing metal (iron and copper) pipes in industrial applications. CPVC was also a superior product compared to PVC because of higher ductile strength, which gave it the ability to handle hot water up to 200 degrees Fahrenheit (93° Celsius) (PVC can handle hot water only up to 140 degrees Fahrenheit [60° Celsius]). B.F. Goodrich (now known as Lubrizol) held the patent for CPVC resin technology, and Engineer decided to tie up with them to bring CPVC to India. He travelled to the United States to forge a techno-financial joint venture (JV) deal with Thompson Plastics of USA, which provided Astral with the technical know-how for setting up the CPVC plant. Astral also acquired the licence for CPVC resin procurement from Lubrizol (the first Indian company to do so). With a JV partner on board and a licence in his hand, Engineer set up Astral Poly Technik in March 1996. Thompson put up 20 per cent of equity for the company and Engineer approached his uncle to fund another 20 per cent. For his personal equity contribution, Engineer sold his house in Ahmedabad. I met Engineer at Astral’s corporate office located off the bustling Sarkhej–Gandhinagar Highway and behind the prestigious Rajpath Club in Ahmedabad. Recalling those early days, Engineer told me, ‘There was a time when everything my father-in-law and I owned was mortgaged to build Astral.

What had begun as a system of large-scale insurance had simply become a system of taxation, with today’s contributions being used to pay today’s benefits, rather than to accumulate a fund for future use. This ‘pay-as-you-go’ approach had replaced the principle of thrift with the practice of entitlement . . . [But this approach] is rooted in a false conception of how human beings behave. It destroys, at the individual level, the link between contributions and benefits. In other words, between effort and reward.