Saving And Budgeting Quotes

A penny saved is worth two pennies earned . . . after taxes.

A well-planned budget will save you from any kind of unexpected surprises.

How many toes did I have when we left London, does anyone remember?" Jim asked, examining its feet. "I think one is missing." "Stop fussing about a missing toe. We have more important things to focus on, like finding Drake and saving him from whatever trouble he’s in," I answered, straightening my clothing and zipping up my heavy parka. "Oh, man, I am missing one! I know I had four on this foot! What sort of place was that company you used, demon-haters or something?" "Budget Teleporters is a perfectly good company. Didn’t you listen to their warning about keeping your arms and legs in the portal at all times?

My love for peanut butter is so deep that I can't look at a jar without devouring it!

I wanted to get to a place where I only bought things I needed when I needed them. I wanted to finally see where my money was going and budget in a way that aligned with my goals and my values. And I really wanted to start spending less and saving more. But it would never happen if I continued to make mindless spending decisions.

The last time such a loss occurred was during the 1930s, and what makes it such a concern this time is that the dismal job creation statistic has been accompanied by huge and rising budget deficits, large and persistent trade deficits, enormous indebtedness, a low saving rate, a worsening state of indispensable modern infrastructure, poor achievements in education for the masses, worrisome public health (marked by a historically unprecedented incidence of obesity)—and a grossly dysfunctional government to run it all. When seen from this perspective, the state of US manufacturing is a clear cause for concern.

We can think of our atmosphere as a budget and our emissions as expenses: because methane and nitrous oxide are significantly larger greenhouse expenses than CO2 in the short term, they are the most urgent to cut. Because they are primarily created by our food choices, they are also easier to cut.

The first way to save and invest your money is to make a budget, and it should be done when you have absolutely nothing.Once you have received the salary into your account, keep record of every expenditure, and don't buy what is not in the budget.Compare the budgeted and actual in the next month then improve

* Be ready for rainy-day emergencies * Avoid excessive debt; be content with what we have * Use the resources of the earth wisely; don´t be wasteful * Prepare for the future by making spending and savings plans * Keep a family or personal budget * Teach children wise spending habits and help them save for the future * Obtain an education or vocational training * Find gainful employment As we become self-reliant, we will be prepared to face challenges with confidence and peace of mind.

Everything is in excess except money, thereof, it should be well managed.

You have savings?" she was astonished. As a woman who lived on the very extreme edges of her budget, whose credit card bills were a source of monthly concern, the idea of savings was just so alien. But then this was Ed, a different kind of person altogether. "Why do I know nothing about your savings?" she'd asked. "I wonder!" he'd answered with a smile. "Maybe because I don't want my savings to be translated into "really great investments" like Miu Miu shoes or Hermès handbags.

As we understand it, everything is in the Bible for one reason – to teach us a lesson. Thus, in the beginning of the Bible, we see how God budgets His time for labor, and He saves the seventh day for rest, or retirement. The concept of budgeting was created by God to give us a life of prosperity in the world He created for us, so we should learn to budget as a way to emulate God in our financial life.

Giving away free housing, it turned out, was actually a windfall for the state budget. State economists calculated that a drifter living on the street cost the government $16,670 a year (for social services, police, courts, etc.). An apartment plus professional counseling, by contrast, cost a modest $11,000.30 The numbers are clear. Today, Utah is on course to eliminate chronic homelessness entirely, making it the first state in the U.S. to successfully address this problem. All while saving a fortune.

My grandpa used to tell my dad, “Son, it’s not the money you make, it’s the money you hold on to.” Make yourself a budget. Live within your means. Pack your lunch. Pinch pennies. Save as much as you can. Get the education you need for as cheap as you can get it. The art of holding on to money is all about saying no to consumer culture. Saying no to takeout, $ 4 lattes, and that shiny new computer when the old one still works fine.

Many people in this world are always looking to science to save them from something. But just as many, or more, prefer old and reputable belief systems and their sectarian offshoots for salvation. So they trust in the deity of the Old Testament, an incontinent dotard who soiled Himself and the universe with His corruption, a low-budget divinity passing itself off as the genuine article. (Ask the Gnostics.) They trust in Jesus Christ, a historical cipher stitched together like Frankenstein’s monster out of parts robbed from the graves of messiahs dead and buried—a savior on a stick. They trust in the virgin-pimping Allah and his Drum Major Mohammed, a prophet-come-lately who pioneered a new genus of humbuggery for an emerging market of believers that was not being adequately served by existing religious products. They trust in anything that authenticates their importance as persons, tribes, societies, and particularly as a species that will endure in this world and perhaps in an afterworld that may be uncertain in its reality and unclear in its layout, but which sates their craving for values not of this earth—that depressing, meaningless place their consciousness must sidestep every day.

Indeed, the scientific effort to improve performance in medicine—an effort that at present gets only a miniscule portion of scientific budgets—can arguably save more lives in the next decade than bench science, more lives than research on the genome, stem cell therapy, cancer vaccines, and all the other laboratory work we hear about in the news.

We have become a society of indulgent consumers resulting in rapidly increasing debt both personally and as a nation.

Every cent you own and every moment you spend is always an investment.

Lefever describes his financing plan with modesty: "'Our detailed budget is realistic, but does not take into account the inflation that may occur before September 1983. The one place it could cut or reduce is item 7, the simultaneous interpreter services, if these services could be provided gratis by the U.S. government.'" "In other words, the only way to make a saving on a U.S.-subsidized project is to take money out of another U.S.-subsidized column.

Let us fool ourselves no longer. At the very moment Western nations, threw off the ancient regime of absolute government, operating under a once-divine king, they were restoring this same system in a far more effective form in their technology, reintroducing coercions of a military character no less strict in the organization of a factory than in that of the new drilled, uniformed, and regimented army. During the transitional stages of the last two centuries, the ultimate tendency of this system might b e in doubt, for in many areas there were strong democratic reactions; but with the knitting together of a scientific ideology, itself liberated from theological restrictions or humanistic purposes, authoritarian technics found an instrument at hand that h as now given it absolute command of physical energies of cosmic dimensions. The inventors of nuclear bombs, space rockets, and computers are the pyramid builders of our own age: psychologically inflated by a similar myth of unqualified power, boasting through their science of their increasing omnipotence, if not omniscience, moved by obsessions and compulsions no less irrational than those of earlier absolute systems: particularly the notion that the system itself must be expanded, at whatever eventual co st to life. Through mechanization, automation, cybernetic direction, this authoritarian technics has at last successfully overcome its most serious weakness: its original dependence upon resistant, sometimes actively disobedient servomechanisms, still human enough to harbor purposes that do not always coincide with those of the system. Like the earliest form of authoritarian technics, this new technology is marvellously dynamic and productive: its power in every form tends to increase without limits, in quantities that defy assimilation and defeat control, whether we are thinking of the output of scientific knowledge or of industrial assembly lines. To maximize energy, speed, or automation, without reference to the complex conditions that sustain organic life, have become ends in themselves. As with the earliest forms of authoritarian technics, the weight of effort, if one is to judge by national budgets, is toward absolute instruments of destruction, designed for absolutely irrational purposes whose chief by-product would be the mutilation or extermination of the human race. Even Ashurbanipal and Genghis Khan performed their gory operations under normal human limits. The center of authority in this new system is no longer a visible personality, an all-powerful king: even in totalitarian dictatorships the center now lies in the system itself, invisible but omnipresent: all its human components, even the technical and managerial elite, even the sacred priesthood of science, who alone have access to the secret knowledge by means of which total control is now swiftly being effected, are themselves trapped by the very perfection of the organization they have invented. Like the Pharoahs of the Pyramid Age, these servants of the system identify its goods with their own kind of well-being: as with the divine king, their praise of the system is an act of self-worship; and again like the king, they are in the grip of an irrational compulsion to extend their means of control and expand the scope of their authority. In this new systems-centered collective, this Pentagon of power, there is no visible presence who issues commands: unlike job's God, the new deities cannot be confronted, still less defied. Under the pretext of saving labor, the ultimate end of this technics is to displace life, or rather, to transfer the attributes of life to the machine and the mechanical collective, allowing only so much of the organism to remain as may be controlled and manipulated.

The first way to save and invest your money is to have a budget, and it should be prepared when you have absolutely nothing.Once the funds have gone into your account, start keeping a record of every expenditure, and don't go for things which are not in the budget. Compare the budget and actual in the following month.

Indeed, North America Indian policy in the last half of the nineteenth century had many of the qualities of a bad movie. It was a low-budget affair with a simplistic plot: politicians, soldiers, clerics, social scientists, and people of unexamined goodwill dash about North America, saving themselves from Indians by saving Indians from themselves

LABOR IS A RESOURCE and TIME IS A RESOURCE are by no means universal. They emerged naturally in our culture because of the way we view work, our passion for quantification, and our obsession with purposeful ends. These metaphors highlight those aspects of labor and time that are centrally important in our culture. In doing this, they also deemphasize or hide certain aspects of labor and time. We can see what both metaphors hide by examining what they focus on. In viewing labor as a kind of activity, the metaphor assumes that labor can be clearly identified and distinguished from things that are not labor. It makes the assumptions that we can tell work from play and productive activity from nonproductive activity. These assumptions obviously fail to fit reality much of the time, except perhaps on assembly lines, chain gangs, etc. The view of labor as merely a kind of activity, independent of who performs it, how he experiences it, and what it means in his life, hides the issues of whether the work is personally meaningful, satisfying, and humane. The quantification of labor in terms of time, together with the view of time as serving a purposeful end, induces a notion of LEISURE TIME, which is parallel to the concept LABOR TIME. In a society like ours, where inactivity is not considered a purposeful end, a whole industry devoted to leisure activity has evolved. As a result, LEISURE TIME becomes a RESOURCE too—to be spent productively, used wisely, saved up, budgeted, wasted, lost, etc. What is hidden by the RESOURCE metaphors for labor and time is the way our concepts of LABOR and TIME affect our concept of LEISURE, turning it into something remarkably like LABOR. The RESOURCE metaphors for labor and time hide all sorts of possible conceptions of labor and time that exist in other cultures and in some subcultures of our own society: the idea that work can be play, that inactivity can be productive, that much of what we classify as LABOR serves either no clear purpose or no worthwhile purpose.

The irony was that it was the failure of neo-liberalism itself during the crisis that had caused its principal exponents to cut and run to the social democratic state, both domestically and internationally, to save neo-liberalism from itself. And then, having done so, to later blame social democrats for the cost and consequences of the resulting intervention, which had taken the form of budget deficits and higher public debt arising from a classic Keynesian response to the crisis. This took a breathtaking level of political and ideological hypocrisy from the right.

The best available apples-to-apples comparison of inflation-adjusted earnings shows what the typical fully employed man earned back in the 1970s and what that same fully employed man earns today. The picture isn’t pretty. As the GDP has doubled and almost doubled again, as corporations have piled up record profits, as the country has gotten wealthier, and as the number of billionaires has exploded, the average man working full-time today earns about what the average man earned back in 1970. Nearly half a century has gone by, and the guy right in the middle of the pack is making about what his granddad did. The second punch that’s landed on families is expenses. If costs had stayed the same over the past few decades, families would be okay—or, at least, they would be in about the same position as they were thirty-five years ago. Not advancing but not falling behind, either. But that didn’t happen. Total costs are up, way up. True, families have cut back on some kinds of expenses. Today, the average family spends less on food (including eating out), less on clothing, less on appliances, and less on furniture than a comparable family did back in 1971. In other words, families have been pretty careful about their day-to-day spending, but it hasn’t saved them. The problem is that the other expenses—the big, fixed expenses—have shot through the roof and blown apart the family budget. Adjusted for inflation, families today spend more on transportation, more on housing, and more on health insurance. And for all those families with small children and no one at home during the day, the cost of childcare has doubled, doubled again, and doubled once more. Families have pinched pennies on groceries and clothing, but these big, recurring expenses have blown them right over a financial cliff.

Taken as a whole, the last four administrations represent the culmination of a century of executive abuse. With each successive president from forty-one to forty-four the disease grew worse. By the time Obama leaves office in 2017, Americans will have suffered under twenty-eight consecutive years of unconstitutional executive usurpation of power. An elected king? The British taxpayer spends around $50 million annually to support the entire royal family. With an annual budget that exceeds $1 billion for expenses, including travel, the American president supplanted the British monarch in everything but a title long ago.

Theoretical models encompass a wide range of assumptions about domestic public debt. The overwhelming majority of models simply assume that debt is always honored. These include models in which deficit policy is irrelevant due to Ricardian equivalence.7 (Ricardian equivalence is basically the proposition that when a government cuts taxes by issuing debt, the public does not spend any of its higher after-tax income because it realizes it will need to save to pay taxes later.) Models in which debt is always honored include those in which domestic public debt is a key input in price level determination through the government’s budget constraint and models in which generations overlap

In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.

Bank-friendly writers and lobbyists fostered a myth that the economy needed its investment banks to remain solvent to keep the economy functioning. But many former officials, including Bair, SIGTARP‘s Neil Barofsky, and Reagan Administration budget director David Stockman, rejected the claims that public guarantees for reckless bank loans was needed to protect insured depositors. Retail savings and checking accounts were never threatened by the bad gambles that banks made. But this myth had to be promoted in order for Paulson, Geithner Bernanke and other bank protectors to persuade Congress to overrule Bair and make government (“taxpayers”) pay. Their aim was to save the banks from being nationalized, and to protect bankers from being prosecuted for fraud or reining in the exorbitant salaries and bonuses they had given themselves. No attempt was made to change the system that had led to the crash. If

What are the health effects of the choice between austerity and stimulus? Today there is a vast natural experiment being conducted on the body economic. It is similar to the policy experiments that occurred in the Great Depression, the post-communist crisis in eastern Europe, and the East Asian Financial Crisis. As in those prior trials, health statistics from the Great Recession reveal the deadly price of austerity—a price that can be calculated not just in the ticks to economic growth rates, but in the number of years of life lost and avoidable deaths. Had the austerity experiments been governed by the same rigorous standards as clinical trials, they would have been discontinued long ago by a board of medical ethics. The side effects of the austerity treatment have been severe and often deadly. The benefits of the treatment have failed to materialize. Instead of austerity, we should enact evidence-based policies to protect health during hard times. Social protection saves lives. If administered correctly, these programs don’t bust the budget, but—as we have shown throughout this book—they boost economic growth and improve public health. Austerity’s advocates have ignored evidence of the health and economic consequences of their recommendations. They ignore it even though—as with the International Monetary Fund—the evidence often comes from their own data. Austerity’s proponents, such as British Prime Minister David Cameron, continue to write prescriptions of austerity for the body economic, in spite of evidence that it has failed. Ultimately austerity has failed because it is unsupported by sound logic or data. It is an economic ideology. It stems from the belief that small government and free markets are always better than state intervention. It is a socially constructed myth—a convenient belief among politicians taken advantage of by those who have a vested interest in shrinking the role of the state, in privatizing social welfare systems for personal gain. It does great harm—punishing the most vulnerable, rather than those who caused this recession.

As holders of money, labourers are free to buy as they please, and they have to be treated as consumers with autonomous tastes and preferences. We should not make light of this (Grundrisse, p. 283). Situations frequently arise in which labourers can and do exercise choice, and the manner in which they do so has important implications. And even if, as is usually the case, they are locked into buying only those commodities capitalists are prepared to sell, at prices capitalists dictate, the illusion of freedom of choice in the market plays a very important ideological role. It provides fertile soil for theories of consumer sovereignty as well as for that particular interpretation of poverty that puts the blame fairly and squarely upon the victim for failure to budget for survival properly. There are, in addition, abundant opportunities here for various secondary forms of exploitation (landlords, retail merchants, savings institutions), which may again divert attention from what Marx considered to be the central form of exploitation in production.

But now, in a new century and a different time, that great middle class is on the ropes. All across the country, people are worried—worried and angry. They are angry because they bust their tails and their income barely budges. Angry because their budget is stretched to the breaking point by housing and health care. Angry because the cost of sending their kid to day care or college is out of sight. People are angry because trade deals seem to be building jobs and opportunities for workers in other parts of the world, while leaving abandoned factories here at home. Angry because young people are getting destroyed by student loans, working people are deep in debt, and seniors can’t make their Social Security checks cover their basic living expenses. Angry because we can’t even count on the fundamentals—roads, bridges, safe water, reliable power—from our government. Angry because we’re afraid that our children’s chances for a better life won’t be as good as our own. People are angry, and they are right to be angry. Because this hard-won, ruggedly built, infinitely precious democracy of ours has been hijacked. Today

The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.

The whole world knew about the piracy case of the tanker Maersk Alabama, which three Navy SEAL sharpshooters saved the imprisoned ship captain. Those SEALs spent a full day lying in wait with their weapons trained on the pirate boat, waiting for the kill command. When the order came down, they instantly fired their sniper rifles, with their own vessel bobbing at a different rate from the pirates’ boat, having no room for error if the captive was to survive. The snipers took out all three pirates in a single shot while sparing the kidnapped victim. Captain Richard Phillips was freed unharmed from the close quarters of that little boat, while the dead bodies of the three armed pirates slumped around him. Details of DEVGRU training are not available to explain this feat of timing and marksmanship, but the results testify to its deadly effect. SEAL Team Six founder Richard Marcinko has said that his budget for ammunition for his men’s training was greater than that of the entire Marin Corps. The comment might be dismissed as braggadocio if not for undeniable results produced under intense and deadly pressure. Consequently, by the time Jessica Buchanan was being marched into a pitched-black desert to her own mock execution two years later, the same people at the White House who took note of her disappearance had reason to wonder if it might be time for another visit to the region from the men you don’t see coming.

Managerial abilities, bureaucratic skills, technical expertise, and political talent are all necessary, but they can be applied only to goals that have already been defined by military policies, broad and narrow. And those policies can be only as good as strategy, operational art of war, tactical thought, and plain military craft that have gone into their making. At present, the defects of structure submerge or distort strategy and operational art, they out rightly suppress tactical ingenuity, and they displace the traditional insights and rules of military craft in favor of bureaucratic preferences, administrative convenience, and abstract notions of efficiency derived from the world of business management. First there is the defective structure for making of military decisions under the futile supervision of the civilian Defense Department; then come the deeply flawed defense policies and military choices, replete with unnecessary costs and hidden risks; finally there come the undoubted managerial abilities, bureaucratic skills, technical expertise, and political talents, all applied to achieve those flawed policies and to implement those flawed choices. By this same sequence was the fatally incomplete Maginot Line built, as were all the Maginot Lines of history, each made no better by good government, technical talent, careful accounting, or sheer hard work. Hence the futility of all the managerial innovations tried in the Pentagon over the years. In the purchasing of weapons, for example, “total package” procurement, cost plus incentive contracting, “firm fixed price” purchasing have all been introduced with much fanfare, only to be abandoned, retried, and repudiated once again. And each time a new Secretary of Defense arrives, with him come the latest batch of managerial innovations, many of them aimed at reducing fraud, waste, and mismanagement-the classic trio endlessly denounced in Congress, even though they account for mere percentage points in the total budget, and have no relevance at all to the failures of combat. The persistence of the Administrator’s Delusion has long kept the Pentagon on a treadmill of futile procedural “reforms” that have no impact at all on the military substance of our defense. It is through strategy, operational art, tactical ingenuity, and military craft that the large savings can be made, and the nation’s military strength greatly increased, but achieving long-overdue structural innovations, from the central headquarters to the combat forces, from the overhead of bases and installations to the current purchase of new weapons. Then, and only then, will it be useful to pursue fraud, waste, and mismanagement, if only to save a few dollars more after the billions have already been saved. At present, by contrast, the Defense Department administers ineffectively, while the public, Congress, and the media apply their energies to such petty matters as overpriced spare parts for a given device in a given weapon of a given ship, overlooking at the same time the multibillion dollar question of money spent for the Navy as a whole instead of the Army – whose weakness diminishes our diplomatic weight in peacetime, and which could one day cause us to resort to nuclear weapons in the face of imminent debacle. If we had a central military authority and a Defense Department capable of strategy, we should cheerfully tolerate much fraud, waste, and mismanagement; but so long as there are competing military bureaucracies organically incapable of strategic combat, neither safety nor economy will be ensured, even if we could totally eliminate every last cent of fraud, waste, and mismanagement.

Construction finally began that winter, and by early 1974 Syncrude’s Mildred Lake site bustled with 1,500 construction workers. But the deal remained tentative as cost estimates grew beyond the initial $1.5 billion to $2 billion or more and the federal government’s new budget arrived with punitive new taxes for oil and gas exports. Then, in the first week of December, one of the Syncrude partners, Atlantic Richfield, summarily quit the consortium, leaving a 30 percent hole in its financing. A mad scramble ensued in search of a solution. Phone calls pinged back and forth between government officials in Edmonton and Ottawa. Finally, on the morning of February 3, 1975, executives from the Syn-crude partner companies and cabinet ministers from the Alberta, Ontario and federal governments met without fanfare and outside the media’s brightest spotlights at an airport hotel in Winnipeg to negotiate a deal to save the project. Lougheed and Ontario premier Bill Davis both attended, along with their energy ministers. Federal mines minister Donald Macdonald represented Pierre Trudeau’s government, accompanied by Trudeau’s ambitious Treasury Board president, Jean Chrétien. Macdonald and Davis, both Upper Canadian patricians in the classic mould, were put off by Lougheed’s blunt style. By midday, the Albertans were convinced Macdonald would not be willing to compromise enough to reach a deal. Rumours in Lougheed’s camp after the fact had it that over lunch, Chrétien persuaded the mines minister to accept the offer on the table. Two days later, Chrétien rose in the House of Commons to announce that the federal government would be taking a 15 percent equity stake in the Syn-crude project, with Alberta owning 10 percent and Ontario the remaining 5 percent. In the coming years, it would be Lougheed, with his steadfast support and multimillion-dollar investments in SAGD, who would be seen as the Patch’s great public sector champion. But it was Chrétien, “the little guy from Shawinigan,” whose backroom deal-making skills had saved Syncrude

Many models are constructed to account for regularly observed phenomena. By design, their direct implications are consistent with reality. But others are built up from first principles, using the profession’s preferred building blocks. They may be mathematically elegant and match up well with the prevailing modeling conventions of the day. However, this does not make them necessarily more useful, especially when their conclusions have a tenuous relationship with reality. Macroeconomists have been particularly prone to this problem. In recent decades they have put considerable effort into developing macro models that require sophisticated mathematical tools, populated by fully rational, infinitely lived individuals solving complicated dynamic optimization problems under uncertainty. These are models that are “microfounded,” in the profession’s parlance: The macro-level implications are derived from the behavior of individuals, rather than simply postulated. This is a good thing, in principle. For example, aggregate saving behavior derives from the optimization problem in which a representative consumer maximizes his consumption while adhering to a lifetime (intertemporal) budget constraint.† Keynesian models, by contrast, take a shortcut, assuming a fixed relationship between saving and national income. However, these models shed limited light on the classical questions of macroeconomics: Why are there economic booms and recessions? What generates unemployment? What roles can fiscal and monetary policy play in stabilizing the economy? In trying to render their models tractable, economists neglected many important aspects of the real world. In particular, they assumed away imperfections and frictions in markets for labor, capital, and goods. The ups and downs of the economy were ascribed to exogenous and vague “shocks” to technology and consumer preferences. The unemployed weren’t looking for jobs they couldn’t find; they represented a worker’s optimal trade-off between leisure and labor. Perhaps unsurprisingly, these models were poor forecasters of major macroeconomic variables such as inflation and growth.8 As long as the economy hummed along at a steady clip and unemployment was low, these shortcomings were not particularly evident. But their failures become more apparent and costly in the aftermath of the financial crisis of 2008–9. These newfangled models simply could not explain the magnitude and duration of the recession that followed. They needed, at the very least, to incorporate more realism about financial-market imperfections. Traditional Keynesian models, despite their lack of microfoundations, could explain how economies can get stuck with high unemployment and seemed more relevant than ever. Yet the advocates of the new models were reluctant to give up on them—not because these models did a better job of tracking reality, but because they were what models were supposed to look like. Their modeling strategy trumped the realism of conclusions. Economists’ attachment to particular modeling conventions—rational, forward-looking individuals, well-functioning markets, and so on—often leads them to overlook obvious conflicts with the world around them.

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What Do You Think? Over the last few years, many cities across the country have cancelled their annual Fourth of July fireworks to save money. Mayor Bill Cervenik, of Euclid, Ohio, said, “It came down to this: Did we want to spend $150,000 on something that would be over in a few hours? Or did we want to use that money to keep city workers employed?” In the Los Angeles suburb of Montebello, the City Council voted to use its $39,000 fireworks budget on donations to local food banks. Mayor Rosemarie Vasquez explained, “We figured that, instead of burning the money in the air, why not give it to people who need it?” (Huffstutter 2009). Protestors against the cancellation of fireworks shows argued that they are an important American tradition. If you were on the City Council, and the issue of whether or not to cancel the Fourth of July fireworks was being considered, what would your vote be?

The idea is to rid yourself of the things that only shackle you and only pile your thoughts, time and budget up with unnecessary items.

The conventional belief is that the more we acquire, the happier we become. In reality, there is nothing further from the truth. Imagine yourself holding a candy bar, and then imagine yourself holding 50 candy bars. With one candy bar you are able to enjoy a little sweetness in your life, but while juggling 50 candy bars in two hands, the weight, the overdose and the immobility turns those 50 candy bars into a burden that do almost nothing to add value to your time or life.

The idea of minimalist budgeting, however, is not to divert the money traffic to other expenditures, but rather to allocate your money to necessary expenses only, and to free yourself from consumerism.

Your earnings should not define your expenditures, your personal lifestyle should.

Be a Cinchy Saver ™!

Down with the Miserable Moneygrumps ™!

Realty investing is something you can assist to variety your profile more varied. Putting your cost savings into structures and land can provide you expanded your financial investments over even more sectors besides simply bonds and stocks. Continue reading to find out properly to buy investor. When choosing to purchase realty, make it expert by establishing an LLC. This will assist to shield both you personally and the financial investments that you make in the future. It can likewise provide you tax advantages thanks to your company negotiations. Constantly get a great feel of the neighborhood values resemble. Home loans and rental costs in communities that are regional will provide you a home is worth. Be particular you invest adequate time on business as well as discovering about exactly how it works. You need to budget plan your time invested on various other activities in order to make even more cash over the long run. Ditch the poker night or an additional guilty satisfaction so you have even more time to sharpen your investing abilities. Stick with niches you feel comfy handling. You will discover more success by adhering to a specific market sector. Whether you prepare to flip a residence, purchase or buy a rental home repossession, stay with exactly what you understand for success. Get to understand others in genuine estate market. It can be practical to have a couple of buddies who understand about investing in genuine estate. Troubles with lessees could take in a large amount of time. This presumption is harmful in the genuine estate market and any specific home. Your finest bet is to invest in things that supply a favorable money flow right away. Land near water or in the future. If you buy a home with the objective of leasing it out, be cautious of who you let lease it. If they can not get their cash together at this time, they aren't a trusted bet for you. When thinking about a big factor to consider for buying genuine estate, Area is critical. Consider the location you are deciding to purchase and the possible capacity. Make sure you are a great bookkeeper. You will conserve yourself a significant headache later on if you're excellent accounting now. You can find info about city planning information and various other details that could affect genuine estate values in the future. A growing city that's growing is an excellent financial investment. When attempting to get that next offer, never ever over-leverage yourself. You should keep money on reserve in case the unanticipated expenditures. Begin little with simply one home. Start with a single home and discover as you desire to make use of. Realty is a wonderful method to branch out. There are particular guidelines you need to comprehend. Use this short article when you begin to invest into genuine estate in order to end up being effective in it. Continue reading to discover the right means to invest in luxury condos miami financier. When choosing to invest in genuine estate, make it expert by setting up an LLC. Get to understand others in genuine estate market. It can be valuable to have a couple of pals who understand about investing in genuine estate. Use this post when you begin to invest into genuine estate in order to end up being effective in it.

These tools are an investment, and what you make with them can potentially save you thousands of dollars in home furnishings, gifts, and other home improvement or DIY tasks. These tools will pay for themselves, sometimes even in just a single project.

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high. With the same fiber plant loss budget as in APON, to support the high bit rates, higher power transmitters are used in G-PON to meet the power budget requirements. This also implies that G-PON receivers need to handle higher receiver overload powers and therefore larger dynamic ranges. To ease the requirements and implementation of the upstream OLT burst mode receiver, G-PON has specified a power-leveling mechanism for "dynamic" power control (Sect. 8.3, [15]). In the power-leveling mechanism, the OLT tries to balance the power it received from different ONUs by instructing ONUs to increase or decrease the launched power. Consequently, an ONU which is closer to the OLT and seeing less loss, will launch at a smaller power than an ONU which is further apart and experiencing more loss. Such concepts of power-leveling or power control have long existed in cellular networks to deal with the near-far cross talk effect and save cellular device battery power.

For financial services: * I show people how to save for their retirement without ruining their monthly budget. * I show people how to get out of debt fast, and have sparkling good credit. * I show people how to create a savings account from their current monthly expenses. * I show people how to save money on their taxes so they can enjoy more of life instead of less. Yes, it is incredibly easy to get our prospects to say: “Oh really? How does that work?

For our Christian groups and their leaders, it means that there is a simple, straightforward way in which congregations of Jesus’ people can, without exception, fulfill his call to be an ecclesia, his “called out” ones: a touch point between heaven and earth, where the healing of the Cross and the Resurrection can save the lost and grow the saved into the fullness of human beings in Christ. No special facilities, programs, talents, or techniques are required. It doesn’t even require a budget. Just faithfulness to the process of spiritual formation in Christlikeness exposed in the Scriptures and in the lives of his “peculiar people” through the ages (Titus 2:14, KJV).

Greece can balance its books without killing democracy Alexis Tsipras | 614 words OPINION Greece changes on January 25, the day of the election. My party, Syriza, guarantees a new social contract for political stability and economic security. We offer policies that will end austerity, enhance democracy and social cohesion and put the middle class back on its feet. This is the only way to strengthen the eurozone and make the European project attractive to citizens across the continent. We must end austerity so as not to let fear kill democracy. Unless the forces of progress and democracy change Europe, it will be Marine Le Pen and her far-right allies that change it for us. We have a duty to negotiate openly, honestly and as equals with our European partners. There is no sense in each side brandishing its weapons. Let me clear up a misperception: balancing the government’s budget does not automatically require austerity. A Syriza government will respect Greece’s obligation, as a eurozone member, to maintain a balanced budget, and will commit to quantitative targets. However, it is a fundamental matter of democracy that a newly elected government decides on its own how to achieve those goals. Austerity is not part of the European treaties; democracy and the principle of popular sovereignty are. If the Greek people entrust us with their votes, implementing our economic programme will not be a “unilateral” act, but a democratic obligation. Is there any logical reason to continue with a prescription that helps the disease metastasise? Austerity has failed in Greece. It crippled the economy and left a large part of the workforce unemployed. This is a humanitarian crisis. The government has promised the country’s lenders that it will cut salaries and pensions further, and increase taxes in 2015. But those commitments only bind Antonis Samaras’s government which will, for that reason, be voted out of office on January 25. We want to bring Greece to the level of a proper, democratic European country. Our manifesto, known as the Thessaloniki programme, contains a set of fiscally balanced short-term measures to mitigate the humanitarian crisis, restart the economy and get people back to work. Unlike previous governments, we will address factors within Greece that have perpetuated the crisis. We will stand up to the tax-evading economic oligarchy. We will ensure social justice and sustainable growth, in the context of a social market economy. Public debt has risen to a staggering 177 per cent of gross domestic product. This is unsustainable; meeting the payments is very hard. On existing loans, we demand repayment terms that do not cause recession and do not push the people to more despair and poverty. We are not asking for new loans; we cannot keep adding debt to the mountain. The 1953 London Conference helped Germany achieve its postwar economic miracle by relieving the country of the burden of its own past errors. (Greece was among the international creditors who participated.) Since austerity has caused overindebtedness throughout Europe, we now call for a European debt conference, which will likewise give a strong boost to growth in Europe. This is not an exercise in creating moral hazard. It is a moral duty. We expect the European Central Bank itself to launch a full-blooded programme of quantitative easing. This is long overdue. It should be on a scale great enough to heal the eurozone and to give meaning to the phrase “whatever it takes” to save the single currency. Syriza will need time to change Greece. Only we can guarantee a break with the clientelist and kleptocratic practices of the political and economic elites. We have not been in government; we are a new force that owes no allegiance to the past. We will make the reforms that Greece actually needs. The writer is leader of Syriza, the Greek oppositionparty

THE SOUTH AFRICAN ARMED FORCES RECEIVED EVER-HIGHER amounts of funding from an economy that couldn’t afford it. In the end, a fifth of the country’s hopelessly unbalanced budget was going to the military, all while the rest of the world came up with new embargoes.

inflammable.

Cedar Capital Group Tokyo: Owning vs Renting Heavy Equipment You have some projects underway. It is either you gear up and buy your own equipment, extend your company’s capabilities and add them these equipment to your business’ asset or you just need to rent a unit and cut the cost. How do you decide when to buy and rent the equipment anyway? We have learned a lot of pros and cons of renting and buying. It is important to evaluate your company’s current situation and capabilities including your financial plans to carefully consider which method you will use in acquiring the equipment. Here is a review of the things which you should bear in mind before deciding when to buy and when to rent equipment: 1. Budget The budget is one of the most important factors in any start of the business. Do you have enough capital to buy a new equipment? If so, will it be practical to use that money to buy or is it more rational to rent and save the cost? You should not look only on the first few months of operation but foresee the future need of the equipment to be used. Although buying may be a larger one-time financial outlay, the cost of renting can add up quickly, and over a long period of time can end up costing you more – especially if the equipment isn’t being used for the entire rental period. And don’t forget: when you own, you can see a return on your investment when you sell. 2. Duration of Project Time frame is important to know how long you will need the equipment. It is more practical to rent the machine if you are only using it for a short period of time. Renting also makes more sense if you are using the equipment for only a specific task. The risk, of course, is the increasing cost of rental when the equipment is not used the entire time. Fortunately, many rental companies in Singapore, Tokyo, Japan and Seoul South Korea only require payment for the actual time the machine is being used. On the other hand, if you are working on a long project and would be using the machine frequently, it is more advisable to buy your own equipment. The complaints on damage on the parts of the equipment can still be charged on you if you are renting it. It becomes worse if you wear the machine out so it would be better if you purchase your own.

Andrew Hall may be positioning himself now for the next coming boom cycle, but the market will need more than the predictions of some good traders to turn around. One thing that absolutely must happen is a real and measurable leveling off of production here in the U.S. Early in the bust phase for shale, with crude prices, budgets, and rig counts collapsing, I was of the opinion that indeed, production cuts would come a whole lot sooner than either the EIA or most of the bank analysts believed was possible. But I’ve been impressed by the free flow of capital that has come in to the markets looking to ‘save’ shale oil companies from their excesses, and slowing what I thought would be a violent progression of bond defaults and outright bankruptcies. In a recent note on the state of E+P, Morgan Stanley also noted the trend, when one of its analysts, Evan Calio, wrote: “Secondary offerings have been positively received by investors as a means to shore up balance sheets and pre-fund drilling programs in light of falling crude prices. Secondary offerings remain a logical way to delever [a financial term meaning to reduce debt], but also has the potential to extend the trough rather than hasten its arrival.” (emphasis mine). In other words, there is too much money still chasing oil for a quick weeding out of the weaklings. We might see a longer period of ‘survivability’ before the real wall hits.

Based on telescope observations of the solar system, astronomers now estimate that there are at least one hundred thousand Earth orbit–crossing asteroids comparable in size to the one that finished off the ancient dinosaurs. If any one of these hit our planet this afternoon, that would be the end of everything we know. We as a society have an opportunity. We could direct a small fraction of our intellect and treasure to identify the dangerous objects and then build a spacecraft capable of nudging one of these things safely off of a collision course. I’m talking about giving certain line items priority in, say, the NASA, European Space Agency (ESA), Roscosmos, China National Space Agency, and JAXA (Japanese Exploration Agency) budgets. Detecting every single seriously dangerous object out there is perhaps a billion-dollar project. Put another way, it would cost the amount of money that the United States government spends every two hours. A two-hour investment could save all of humankind from the most unpleasant form of global change.

One reason that happened was that as Google added market share, search marketers decided to quit splitting their budgets between Yahoo and Google and concentrate all their bidding power in one market—Google’s. That further drove yield, further enabling Google to buy market share, and on it went.

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For what the world spends on defense every 2.5 hours, about $300 million, smallpox was eliminated back in the late seventies. For the price of a single new nuclear-attack submarine, $726 million to $1 billion, we could send 5 to 7.5 million Third World children to school for a year. For the price of a single B-l bomber, about $285 million, we could provide basic immunization treatments, such as shots for chicken pox, diphtheria, and measles, to the roughly 575 million children in the world who lack them, thus saving 2.5 million lives annually. For what the world spends on defense every forty hours, about $4.6 billion, we could provide sanitary water for every human being who currently lacks it. Looking at it another way, the roughly $290–$300 billion that the United States [spent] on defense in 1990 is greater than the total amount that Americans contribute to charity each year, about $100 billion, plus total federal, state, local, public, and private expenditures for education, roughly $150 billion, plus NASA’s entire budget of $7.6 billion, plus federal and state aid to families with dependent children, $16.3 billion, plus the cost of the entire federal judiciary and the Justice Department combined, $5.5 billion, plus federal transportation aid to state and local governments, $17.5 billion. … A single Stinger missile costs $40,000, or roughly 30 percent more than the income of the average American family, nearly twice more than the income of the average black American family, and about 400 percent more than the so-called poverty line … [and] the price of 2,000 rounds of 7.62-mm rifle or machine-gun ammunition, about $480.00, is slightly more than what the average Social Security beneficiary receives every month.” How do we wrap our minds around these priorities? Or

MODEL 2: Multiple Stakeholder Sustainability, Fons Trompenaars and Peter Woolliams (2010) PROBLEM STATEMENT How can I assess the most significant organizational dilemmas resulting from conflicting stakeholder demands and also assess organizational priorities to create sustainable performance? ESSENCE Organizational sustainability is not limited to the fashionable environmental factors such as emissions, green energy, saving scarce resources, corporate social responsibility, and so on. The future strength of an organization depends on the way leadership and management deal with the tensions between the five major entities facing any organization: efficiency of business processes, people, clients, shareholders and society. The manner in which these tensions are addressed and resolved determines the future strength and opportunities of an organization. This model proposes that sustainability can be defined as the degree to which an organization is capable of creating long-term wealth by reconciling its most important (‘golden’) dilemmas, created between these five components. From this, professors and consultants Fons Trompenaars and Peter Woolliams have identified ten dimensions consisting of dilemmas formed from these five components, because each one competes with the other four. HOW TO USE THE MODEL: The authors have developed a sustainability scan to use when making a diagnosis. This scan reveals: The major dilemmas and how people perceive the organization’s position in relation to these dilemmas; The corporate culture of an organization and their openness to the reconciliation of the major dilemmas; The competence of its leadership to reconcile these dilemmas. After the diagnosis, the organization can move on to reconciling the major dilemmas that lead to sustainable performance. To this end, the authors developed a dilemma reconciliation process. RESULTS To achieve sustainable success, organizations need to integrate the competing demands of their key stakeholders: operational processes, employees, clients, shareholders and society. By diagnosing and connecting different viewpoints and values, their research and consulting practice results in a better understanding of: The key challenges the organization faces with its various stakeholders and how to prioritize them; The extent to which leadership and management are capable of addressing the organizational dilemmas; The personal values of employees and their alignment with organizational values. These results help an organization define a corporate strategy in which crucial dilemmas are reconciled, and ensure that the company’s leadership is capable of executing the strategy sustainably. It does so while specifically addressing the company’s wealth-creating processes before the results show up in financial reports. It attempts to anticipate what the corporate financial performance will be some six months to three years in the future, as the financial effects of dilemma reconciliation are budgeted.

Besides, I’m not planning on being around much longer. Maybe a week. So this would just be a short period.” “Where are you going?” He ignores my question and rises, carries his cup to the trash, and pitches it in like a basketball player. When he returns I’ve made up my mind, but I still have a question. “You’re carrying around a lot of money,” I try, framing it as a statement. “Oh, that? Yeah. That’s my savings. It’s not that much, and it’s got to last me a while. I try not to spend any of it, but this seemed worth it,” he says with disarming frankness. I feel like a complete loser. He’s made enough to save. Mine’s gone as soon as it hits my guitar case. I’ll freely admit I’m lousy with money. Budgeting isn’t one of my strong points. “You didn’t have to buy me another coffee, Derek,” I start, but his smile stops me. “What?” He shakes his head. “Nothing.” “Really. What is it? What did I do?” “I like the way you say my name. That’s all.” Bam. Right cross to the jaw. With a hell of a follow-through. “How about giving it a try for a few hours, until lunchtime, and seeing how we do? If I’m wrong, I’ll make up the difference. What do you make by one on a weekday?” Damn him straight to hell for being so reasonable sounding. He could probably sell toasters to penguins. I calculate quickly. On a good day, maybe five dollars. Most of my money will come in the afternoon, maybe another whopping ten or fifteen bucks before it gets dark. “Usually?

Step 1: Secure your basic needs: food, clothing and shelter. Step 2: Create a $1,000 emergency fund. Step 3: Pay off all debts as fast as possible, other than your home. Step 4: Increase your emergency fund until it reaches 6 to 10 months of your basic needs. Step 5: Begin saving 15 percent of your income for retirement. Step 6: If so desired, save for your child's college education. Step 7: Pay off your mortgage early. Step 8: Express your values with your money. Tactics That Bring Your Strategies to Life Live by a zero-balance budget, created at

The tax cuts enacted in 2001 and 2003—and extended for two years in 2010—in 2011 saved the richest 1.4 million taxpayers (the top 1 percent) more money than the rest of America’s 140,890,000 taxpayers received in total income. Leading to… The fifth dot: Government budgets are squeezed.

spending in federal elections during the 2016 cycle was more than $16 billion, which is greater than the annual budgets of at least a dozen states.

In that case, you would be wise to follow the example of Restoration Hardware’s CEO, who canceled the entire budget for his online marketing team after he learned that despite the 3,200 keywords the team had purchased, 98 percent of the company’s site traffic was still coming from just 22 keywords—Restoration Hardware, and the top 21 ways to incorrectly spell it.

As of July 2017 public spending per capita had fallen by 3.9%.[58] But this figure obscures the the fact that the government is allocating proportionally less of its budget to public services. Per person, day-to-day spending on public services has been cut to about four-fifths of what it was in 2010.[59] Public sector employment was slashed by 15.5% between September 2009 and April 2017, a reduction of nearly one million jobs, primarily affecting women, who make up around two-thirds of the public sector workforce. Overall, £22bn of the £26bn in ‘savings’ since June 2010 have been shouldered by women.[60] Lone mothers (who represent 92% of lone parents) have experienced an average drop in living standards of 18% (£8,790). Black and Asian households in the lowest fifth of incomes are the most affected, with average drops in living standards of 19.2% and 20.1% – £8,407 and £11,678 – respectively.[61] The Office of Budget Responsibility (OBR) has said that the cumulative scale of cuts to welfare are “unprecedented”, with real per capita welfare cap spending in 2021-22 projected to be around 10% lower than its 2015-16 level.[62] The Conservative-Liberal Democrat coalition government initially aimed to eliminate the deficit – the difference between annual government income and expenditure – by 2015. But weaker-than-expected economic growth forced the government to push the date back to 2025. The government tried to spin this as a generous easing of austerity, but it was merely giving itself several years longer to take on the deficit. In December 2017 the OBR said that GDP per person would be 3.5% smaller in 2021 than was forecast in March 2016. Contradicting the government, the OBR said the deficit would not be eliminated until 2031. The Institute for Fiscal Studies added that national debt – then standing at £1.94 trillion, with an annual servicing cost of £48bn – may not return to pre-crisis levels until the 2060s. Pressure on the public finances, primarily from health and social care, is only going to increase. In all of the OBR’s scenarios, spending grows faster than the economy. With health costs running ahead of inflation, the National Health Service (NHS) – already suffering from a £4.3bn annual shortfall – requires a 4% minimum annual increase in funding to maintain expenditure per capita amid a growing and ageing population.

After considering making the Mandarin, a mustache-twirling Asian villain from the comics, Iron Man’s first foe, the new studio instead decided on Obadiah Stain, played by Jeff Bridges. He was less fantastical, had a more personal connection to Downey’s character, “and saved us $10 to $20 million we would have had to spend going to China,” noted Maisel. The first twenty minutes of the movie take place in a cave, and there are surprisingly few scenes of Iron Man flying or doing battle in his combat armor, which kept the budget down. Nonetheless, Perlmutter kept as close an eye on the script as he did on office supplies. When a convoy attack at the beginning of the movie was supposed to include ten Humvees, the frugal executive said, “No, too many, too expensive, we can do it with three.” Another scene, in which Iron Man saves villagers from a group of terrorists, was going to cost $1 million, and Perlmutter wouldn’t authorize the money until the last minute, figuring it could be trashed if costs rose elsewhere. All of this backseat driving by Perlmutter, who became Marvel’s CEO in 2005, drove Arad insane.

To implement a budget is to apply one’s ideas about life and spending to the real world.

the unpaid care they also provide at home.34 Why does it matter that this core economy should be visible in economics? Because the household provision of care is essential for human well-being, and productivity in the paid economy depends directly upon it. It matters because when—in the name of austerity and public sector savings—governments cut budgets for children’s daycare centres, community services, parental leave and youth clubs, the need for care-giving doesn’t disappear: it just gets pushed back into the home. The pressure, particularly on women’s time, can force them out of work and increase social stress and vulnerability. That undermines both well-being and women’s empowerment, with multiple knock-on effects for society and the economy alike. In short, including the household economy in the new diagram of the macroeconomy is the first step in recognising its centrality, and in reducing and redistributing women’s unpaid work.

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She would be asked to climb a low wooden platform in the hall and hold an expression for a class. Students would shuffle their gaze quickly, back and forth from her to their easels to get the details. She felt hugely self conscious to begin with, with two dozen eager eyes gazing at her, taking in her every detail, warts and all, her cheeks flushed and her folded leg trembling involuntarily. She would make an extra effort to cover her front teeth by pulling the lower lip over them. This and her self consciousness would tire her. But a few sessions down and she became used to the attention. And then, also she had also never known such leisure. This sitting idle had its benefits. She realised she would find solution to many a pending question. She would make little budgeting of her savings in her head. Her mind would move from matters of the canteen to Pali’s problem. At times she would so overcome with wretchedness that she would have to deliberately snap out of her thoughts and begin to inaudibly recite the mool mantar. However, all in all, she began to look forward to this. Like zero hour. At the end of what was a fortnight or twenty days of sitting, she was overwhelmed, looking at a studio full of her portraits.

By trying to stop all major wildfires, the Forest Service had only fed the beast. The woods were full of dry, dying, aging timber and underbrush—fuel. Big swaths were unhealthy, in need of a cleansing burn. Even with their armies, their aerial support, their billions in taxpayer money to hold back the flames, rangers became increasingly helpless. As firefighting took up nearly half the Forest Service budget, it was a mission at odds with the course of the natural world, and common sense. It was not what Roosevelt and Pinchot had in mind. The years brought bigger, hotter, longer, earlier wildfires. With a warmer climate, it all added up to something catastrophic on the horizon.

Western countries are rarely in budget surplus and thus end up building debt over the cycle.The increase of the debt-to-GDP ratio is a fundamentally negative development for the lower and middle classes. The debt acts as a transfer of wealth from average taxpayers to the better off. The mechanism of this wealth transfer is relatively simple, as the interest paid to finance payment to the bond holders is funded by the general budget. Thus, bondholders, by definition people with savings, receive payments financed by the tax collected from the general population. Effectively, the debt sucks in a percentage of income revenues and spits it back out to wealthy savers in the form of interest payments.

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I closed the doors and turned to tell Clay the disappointing news.  Instead of staying in the living room as I’d thought, he stood right behind me.  All that came out was a strangled “gah.”  He flashed a smile so wide that I saw teeth and couldn’t help but smile back. “Har-har.  I told you no suspense movies.  Life is scary enough without them.  Oh, and false alarm on the cookies.  We’re missing some main ingredients.” He picked up my car keys and dangled them in front of me. “It’s tempting, but unless I want to get a part-time job, I can’t afford to keep spending the money I’ve saved.  I’ve got to stick to the budget so it lasts through till spring.  If we can manage to keep the heat off until November, I should have cookie money for Christmas.  That’s when cookies are best, anyhow.  I’ll just need to start wearing more clothes inside.” I

No amount of money or possessions is ever going to make you feel fulfilled. No amount will ever be enough. No amount will ever make you happy.

Home Economics & Civics What ever happened to the two courses that were cornerstone programs of public education? For one, convenience foods made learning how to cook seem irrelevant. Home Economics was also gender driven and seemed to stratify women, even though most well paid chefs are men. Also, being considered a dead-end high school program, in a world that promotes continuing education, it has waned in popularity. With both partners in a marriage working, out of necessity or choice, career-minded couples would rather go to a restaurant or simply micro-burn a frozen pre-prepared food packet. Almost anybody that enjoys the preparation of food can make a career of it by going to a specialty school such as the Culinary Institute of America along the Hudson River in Hyde Park, New York. Also, many colleges now have programs that are directed to those that are interested in cooking as a career. However, what about those that are looking to other career paths but still have a need to effectively run a household? Who among us is still concerned with this mundane but necessary avocation that so many of us are involved with? Public Schools should be aware that the basic requirements to being successful in life include how to balance and budget a checking and a savings account. We should all be able to prepare a wholesome, nutritious and delicious meal, make a bed and clean up behind one’s self, not to mention taking care of children that may become a part of the family structure. Now, note that this has absolutely nothing to do with politics and is something that members of all parties can use. Civics is different and is deeply involved in politics and how our government works. However, it doesn’t pick sides…. What it does do is teach young people the basics of our democracy. Teaching how our Country developed out of the fires of a revolution, fought out of necessity because of the imposing tyranny of the British Crown is central. How our “Founding Fathers” formed this union with checks and balances, allowing us to live free, is imperative. Unfortunately not enough young people are sufficiently aware of the sacrifices made, so that we can all live free. During the 1930’s, most people understood and believed it was important that we live in and preserve our democracy. People then understood what Patrick Henry meant when in 1776 he proclaimed “Give me liberty or give me death.” During the 1940’s, we fought a great war against Fascist dictatorships. A total of sixty million people were killed during that war, which amounted to 3% of everyone on the planet. If someone tells us that there is not enough money in the budget, or that Civic courses are not necessary or important, they are effectively undermining our Democracy. Having been born during the great Depression of the 1930’s, and having lived and lost family during World War II, I understand the importance of having Civics taught in our schools. Our country and our way of life are all too valuable to be squandered because of ignorance. Over 90 million eligible voters didn’t vote in the 2016 presidential election. This means that 40% of our fellow citizens failed to exercise their right to vote! Perhaps they didn’t understand their duty or how vital their vote is. Perhaps it’s time to reinvigorate what it means to be a patriotic citizen. It’s definitely time to reinstitute some of the basic courses that teach our children how our American way of life works. Or do we have to relive history again?

Generally, I’ve observed, we seek changes that fall into the “Essential Seven.” People—including me—most want to foster the habits that will allow them to: 1. Eat and drink more healthfully (give up sugar, eat more vegetables, drink less alcohol) 2. Exercise regularly 3. Save, spend, and earn wisely (save regularly, pay down debt, donate to worthy causes, stick to a budget) 4. Rest, relax, and enjoy (stop watching TV in bed, turn off a cell phone, spend time in nature, cultivate silence, get enough sleep, spend less time in the car) 5. Accomplish more, stop procrastinating (practice an instrument, work without interruption, learn a language, maintain a blog) 6. Simplify, clear, clean, and organize (make the bed, file regularly, put keys away in the same place, recycle) 7. Engage more deeply in relationships—with other people, with God, with the world (call friends, volunteer, have more sex, spend more time with family, attend religious services)

Hi, Dale, it’s Gabby...Clay’s girlfriend.”  It felt weird giving myself that title, but I pushed it aside.  Bigger issues to deal with.  “If he’s there, can I talk to him?” Dale chuckled.  “Sure, but I don’t imagine it’d be much of a conversation.” I heard him call out to Clay.  A moment later, a husky voice said, “Hello?” After not talking to me for so long, hearing his voice startled and annoyed me slightly.  He would talk to a perfect stranger, but not me?  I opened my mouth to say something about it, but the pain in my head insistently prodded me to get on with the important news. “Clay, I did it again.  I’m at the diner where we had breakfast.  I need you to come get me before it gets worse.” He didn’t say anything for so long that I looked at the phone to see if I still had a signal.  The screen said disconnected.  Would it have killed him to say “Okay” or maybe even “Bye” before hanging up?  His hello had been too shocking to recall the sound of his voice. I sighed and put my cell away.  With Sam’s frequent calls and Rachel’s occasional texts, my remaining minutes dipped into the double digits.  I needed to adjust my budget to buy more airtime.  Did life really need to throw me this many curveballs?  And all at once? I forced myself to eat more of my mostly untouched meal so the waitress wouldn’t bother me as I waited. The last of the waves hit me.  Only determination and a hand over my mouth kept me from whimpering.  After about ten minutes, I settled the bill and watched out the window for Clay, barely checking the need to curl into a ball and lie down on the padded bench.  The waitress kept a close eye on me, probably thinking she would need to clean up barf soon.  She might. Dale’s huge tow truck pulled into the parking lot.  Clay opened his door and leapt out while it still rolled to a stop.  Through the window, he spotted me.  His eyes never left me as he strode in and Dale pulled away. Clay still wore his greasy coveralls, and with his hair pulled back, he looked like an angel—a grimy one—coming to save me.  Again. “Hi,

Most Americans and Canadians (& earthlings) can save thousands annually with smarter energy choices. That's a lot of bucket list vacations, while providing far better for your own future and living a richer life today.

essential

Part 1 Milestones 1. Determine what really matters to you and the steps you need to take to lead a happier life. 2. Get serious about your finances. Figure out how much income you can generate in retirement. 3. Map out exactly what you can expect from Social Security, retirement accounts, pension, and taxable investments. 4. Estimate future expenses and needs. 5. Calculate a realistic budget that helps you find your happiness. It’s a lot, I know! But these five steps will help you lay the groundwork for your retirement.

Net wages: “It’s not what you make, but what you net” after paying the FIRE sector, basic utilities and taxes. The usual measure of disposable personal income (DPI) refers to how much employees take home after income-tax withholding (designed in part by Milton Friedman during World War II) and over 15% for FICA (Federal Insurance Contributions Act) to produce a budget surplus for Social Security and health care (half of which are paid by the employer). This forced saving is lent to the U.S. Treasury, enabling it to cut taxes on the higher income brackets. Also deducted from paychecks may be employee withholding for private health insurance and pensions. What is left is by no means freely available for discretionary spending. Wage earners have to pay a monthly financial and real estate “nut” off the top, headed by mortgage debt or rent to the landlord, plus credit card debt, student loans and other bank loans. Electricity, gas and phone bills must be paid, often by automatic bank transfer – and usually cable TV and Internet service as well. If these utility bills are not paid, banks increase the interest rate owed on credit card debt (typically to 29%). Not much is left to spend on goods and services after paying the FIRE sector and basic monopolies, so it is no wonder that markets are shrinking. (See Hudson Bubble Model later in this book.) A similar set of subtrahends occurs with net corporate cash flow (see ebitda). After paying interest and dividends – and using about half their revenue for stock buybacks – not much is left for capital investment in new plant and equipment, research or development to expand production.

A better perspective on wealth, however, is to view it as a fusion of three things—financial security, a strong mind and spirit, and a life of purpose.

Sometimes you stay in a budget motel/cabin/hotel to save money, sometimes they’re the only thing available. If you find yourself in a room with questionable bedding and towels with nowhere else to go, fear not! Whether I pack my camping gear or not, I always travel with a bamboo sleeping sack (sometimes called a “sleeping bag liner”). It packs up to the size of a Chipotle burrito and protects you from scratchy sheets (among other hazards). Bamboo is one of the most comfortable fibers on the market, and is hypoallergenic, antimicrobial and antibacterial.

When you become old ... When you become old, you find yourself auditioning for the role of a lifetime; then, after interminable rehearsals, you're finally starring in a horror film--a talentless, irresponsible, and above all low-budget horror film, in which (as is the way with horror films) they're saving the worst for last.

Living simply doesn’t equal living in a dull manner. It means that your life doesn’t seem like a impossible puzzle to put together.

Yet the gap between revenues and expenditures had to be filled, even if by printing rubles. If the budget could not be balanced immediately, the only other solution was to tolerate deficits today with the hope that a pick-up in growth would reduce the relative cost of the deficit in the medium term. Gorbachev thus embraced a strategy of market reform without a balanced budget. He hoped this would spark higher growth.

Take out a piece of blank paper. Draw four columns on your page, titled “Spend,” “Save,” “Invest,” and “Give.” Follow the steps below to come up with a 24-hour time budget tailored just for you. Spend Write down the amount of hours you spend in a day on “non-negotiable” commitments such as school, sleep, and getting ready each morning. Tally up the total. Save List some of your favorite ways to spend “me time” and how long each idea takes. For example, reading a novel for one hour, going for a 30-minute run, or winding down before bed (go to 60-Minute Wind-Down). Invest Tally up how long you need each day to reach your goals and accomplish tasks. Taking a drawing class for one hour or spending two hours on homework are great examples. Give Consider how much time you’d like to spend each day on others: whether it’s volunteering, spending quality time with your family, or hanging out with your friends. Complete Your Schedule Now comes the challenging part: trying to fit all your ideas into 24 hours! On a new sheet of paper, create an hour-by-hour schedule for one day. Once you’ve completed it, you’ll become more aware of how you are spending your time. When you have a good idea of how you’re spending 24 hours, you can move up to creating a weeklong time budget.

Because the NHS budget covers everybody, the money saved on one patient can be used to treat another. Declining to operate on a sick grandmother means there is more money available to treat sick children. Accordingly, protests about denied coverage tend to be muted. In the U.S. system, that trade-off doesn’t apply; if an American insurance company refuses to pay $36,000 for Herceptin for one of its clients, the money saved is likely used to enhance profits.

BABY STEPS ARE BIGGER THAN BIG STEPS!

The key to a minimalist budget is looking for sacrifices within your current expenses to save money.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

It is a fact that consumers worldwide have benefited financially from faster fashion. In countries like the UK and US, the proportion of the household budget spent on clothing has dropped from about 15 percent at the dawn of the twentieth century to 5 percent or less today. According to the US Bureau of Labor Statistics, we've used the savings mainly to pay for rising housing costs and for what they call 'non-necessities', everything from weekend getaways to all the just-plain-stuff that fills homes and storage units.

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Each year, federal government agencies are budgeted a certain amount of money to spend. If within twelve months, any money is left over, the money allotted the following year is cut. To ensure their money is spent, departments have “meetings” in resorts such as Los Vegas, enjoying expensive hotels and meals to spend what remains, ensuring to not lose money for the following year. Investigations have shown this is one reason money spent on government contractors is often higher — the more spent — the more “needed” the following year. In the past, if a government agency saved any money, that amount is deducted from the next year’s budget. To prevent a Pentagon budget from being cut, it is always helpful to be in a war or have troops scattered throughout the world.

What is an Achievement Story? As noted in the Hiring Manager’s Secrets chapter, hiring managers want to know: How you made money for your employer, How you saved money for your employer, How you made yourself, your department, your division, or your company more productive. They want to know how you made a positive difference. This is your time to answer the above questions with real-life examples from your experience. According to “Ask A Manager” blogger, Alison Green, resumes that stand out tell the reader what you accomplished that someone else wouldn’t have in the same position. For example, if you’re like me you may have: — trained managers to sell products through a new ordering system by documenting the process and conducting training sessions, — took on the work of two laid off employees, or — developed a budgeting system enabling managers to customize their budgets based on their unique needs. Alison also says that the hiring manager wants to know, “Were you solely interested in producing acceptable work, or did you do an impressive job?

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