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!

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

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.

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.

* 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.

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.

To create a budget that will help you meet your goals, you first have to figure out what your goals are and define them.

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

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.

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.

The key to true wealth is putting your money to work for you. Practically speaking, that means spending money on income-producing assets that will supply cash and continue to grow in value over time. The most common assets used to build wealth include: • Stocks • Bonds • Real estate

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.

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.

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

To track your money, write down or digitally capture every dollar you spend for one month. Include everything, from your $1,800 mortgage payment to the $4 coffee you grabbed on your way into work. Here, savings counts as an expense, so remember to include any money you put into a savings or retirement account (unless it was taken out of your paycheck—don’t include that). Record each expense regardless of whether you pay by cash, check, debit or credit card, automatic payment, or online transfer.

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 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 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

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.

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.

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

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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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Tom held up a DVD with two fingers and turned red in the face, choking a little. It was a low-budget gay porno set on a submarine.  I took it away from Tom quickly and stuffed it in my back pocket.  "Yeah.  No."  Just my luck, he'd start watching it all the time and jerk off to that instead of saving sexy times for me.  "Let's go home.  We'll play submarines if you want.  But…not that." Tom laughed shakily.  "You know," he said, "for Joey, that's…that is both incredibly crass and inappropriate, and incredibly thoughtful.  I guess I'd expect nothing less from a Joey wedding present.

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.

It's not a bargain if you can't afford it....even if it's on sale.

First you follow recipes to the letter; then you begin to synthesize some of those recipes, comparing one with another and drawing on what you see as the best of them; then you develop a repertoire of recipes you’ve made your own. Finally you throw away the books, start shopping, open the refrigerator, and cook. You cook like a grandmother, or like anyone with experience.

Cooking is like exercise or spending time in nature or good conversation: The more you do it, the more you like it, the better you get at it, and the more you recognize that its rewards are far greater than its efforts and that even its efforts are rewards.

The fact that our lives are finite is scary enough – to know that you squandered what you had on looking at gossip on the Internet or flipping past infomercials on the couch will make this fact even harder to swallow.

The right mindset for a minimalist budget isn’t about fighting your desires; it’s about learning how to not desire.

This mindset is best seen as a reduction based on priorities. It doesn’t mean that you have to get rid of and stop buying things that you enjoy and wish that you could have all of them back. It means that you will make reductions at a decent pace, and over time you will start to represent the things that are really important.

Why has this happened? In brief, the state has grown into a cancer – a leveling monster that cannot be restrained. It cannot be restrained because it is the product of our own making. We are the authors of this profligacy; and I fear that in our present state of degeneracy we are more likely to join the party of plunder than rally to fiscal sanity. Who is bold enough to propose austerity at the present time? How many baby boomers, now retiring, would readily forego their Medicare and Social Security in order to save the federal budget? The answer must be a very low number indeed.

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.

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The Economist has produced a more sophisticated set of ‘back-of-the-envelope’ estimates in an interactive basic income calculator for all OECD countries.4 This purports to show how much could be paid as a basic income by switching spending on non-health transfers, leaving tax revenues and other public spending unchanged. Interestingly, even on this very restrictive basis, a cluster of seven west European countries could already pay over $10,000 per person per year. The United States could pay $6,300 and Britain $5,800. Obviously, for most countries, the level of basic income that could be financed from this tax-neutral welfare-switching exercise would be modest – though, especially for bottom-ranked countries such as South Korea ($2,200) or Mexico (only $900), this largely reflects their current low tax take and welfare spending. The Economist’s interactive calculator also aims to calculate what tax rises would be needed to pay a basic income of a given amount. For the UK, the calculator estimates that the cost of a basic income of one-third average GDP per head would require a 15 percentage point rise in tax take. Its calculations can again be questioned in their own terms. However, all these back-of-the-envelope exercises are flawed in more fundamental ways. First, they do not allow for clawing the basic income back in tax from higher-income earners, which could be done with no net cost to the affluent or to the Exchequer, simply by tweaking tax rates and allowances so that the extra tax take equals the basic income paid. Second, they do not take account of administrative savings from removal of means testing and behaviour conditions. Administration accounted for £8 billion of the £172 billion 2013–14 budget of the UK’s Department of Work and Pensions, much of which will have gone to pay staff in local job centres to monitor and sanction benefit recipients. This does not include hundreds of millions of pounds paid to private contractors to carry out so-called ‘work assessment’ tests on people with disabilities, which have led to denial of benefits to some of society’s most vulnerable people. Third, they compare the cost of a basic income with the existing welfare budget and assume that all other areas of public spending remain intact. Yet governments can always choose to realign spending priorities. The UK government could save billions by scrapping the plan to replace the Trident nuclear missile system, now estimated to cost more than £200 billion over its lifetime. It could save further billions by ending subsidies that go predominantly to corporations and the affluent.

To make up for the projected billion-dollar-a-year shortfall created by the many new tax cuts he helped to deliver, something had to give. So for savings, the legislators turned to the one institution that had distinguished North Carolina from many other southern states—its celebrated public education system. The assault was systematic. They authorized vouchers for private schools while putting the public school budget in a vise and squeezing. They eliminated teachers’ assistants and reduced teacher pay from the twenty-first highest in the country to the forty-sixth. They abolished incentives for teachers to earn higher degrees and reduced funding for a successful program for at-risk preschoolers. Voters had overwhelmingly preferred to avoid these cuts by extending a temporary one-penny sales tax to sustain educational funding, but the legislators, many of whom had signed a no-tax pledge promoted by Americans for Prosperity, made the cuts anyway.

Sellers know this and take advantage of it. The biggest magician in selling a feeling is Apple. They sell a perceived status with their products. Objectively thinking, some other competitors sell better quality products for half the price and they give a much better value. But come on, that’s not Apple. They are brilliant.

essential

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.

Try, as much as you can, to take each item and imagine it in your actual life. How will this fit you? Will your family actually eat this? Where in your day do you plan to use this new gadget?

Best Budget Travel Destinations Ever Are you looking for a cheap flight this year? Travel + Leisure received a list of the most affordable locations this year from one of the top travel search engines in the world, Kayak. Kayak then considered the top 100 locations with the most affordable average flight prices, excluding outliers due to things like travel restrictions and security issues. To save a lot of money, go against the grain. Mexico Unsurprisingly, Mexico is at the top of the list of the cheapest places to travel in 2022. The United States has long been seen as an accessible and affordable vacation destination; low-cost direct flights are common. San José del Cabo (in Baja California Sur), Puerto Vallarta, and Cancun are the three destinations within Mexico with the least expensive flights, with January being the most economical month to visit each. Fortunately, January is a glorious month in each of these beachside locales, with warm, balmy weather and an abundance of vibrant hues, textures, and flavors to chase away the winter blues. Looking for a city vacation rather than a beach vacation? Mexico City, which boasts a diverse collection of museums and a rich Aztec heritage, is another accessible option in the country. May is the cheapest month to travel there. Chicago, Illinois Who wants to go to Chicago in the winter? Once you learn about all the things to do in this Midwest winter wonderland and the savings you can get in January, you'll be convinced. At Maggie Daley Park, spend the afternoon ice skating before warming up with some deep-dish pizza. Colombia Colombia's fascinating history, vibrant culture, and mouthwatering cuisine make it a popular travel destination. It is also inexpensive compared to what many Americans are used to paying for items like a fresh arepa and a cup of Colombian coffee. The cheapest month of the year to fly to Bogotá, the capital city, is February. The Bogota Botanical Garden, founded in 1955 and home to almost 20,000 plants, is meticulously maintained, and despite the region's chilly climate, strolling through it is not difficult. The entrance fee is just over $1 USD. In January, travel to the port city of Cartagena on the country's Caribbean coast. The majority of visitors discover that exploring the charming streets on foot is sufficient to make their stay enjoyable. Tennessee's Music City There's a reason why bachelorette parties and reunions of all kinds are so popular in Music City: it's easy to have fun without spending a fortune. There is no fee to visit a mural, hot chicken costs only a few dollars, and Honky Tonk Highway is lined with free live music venues. The cheapest month to book is January. New York City, New York Even though New York City isn't known for being a cheap vacation destination, you'll find the best deals if you go in January. Even though the city never sleeps, the cold winter months are the best time for you to visit and take advantage of the lower demand for flights and hotel rooms. In addition, New York City offers a wide variety of free activities. Canada Not only does our neighbor Mexico provide excellent deals, but the majority of Americans can easily fly to Canada for an affordable getaway. In Montréal, Quebec, you must try the steamé, which is the city's interpretation of a hot dog and is served steamed in a side-loading bun (which is also steamed). It's the perfect meal to eat in the middle of February when travel costs are at their lowest. Best of all, hot dogs are inexpensive and delicious as well as filling. The most affordable month to visit Toronto, Ontario is February. Even though the weather may make you wary, the annual Toronto Light Festival, which is completely free, is held in February in the charming and historic Distillery District. Another excellent choice at this time is the $5 Bentway Skate Trail under the Gardiner Expressway overpass.

2. Planning is important, but the most important part of every plan is to plan on the plan not going according to plan. What’s the saying? You plan, God laughs. Financial and investment planning are critical, because they let you know whether your current actions are within the realm of reasonable. But few plans of any kind survive their first encounter with the real world. If you’re projecting your income, savings rate, and market returns over the next 20 years, think about all the big stuff that’s happened in the last 20 years that no one could have foreseen: September 11th, a housing boom and bust that caused nearly 10 million Americans to lose their homes, a financial crisis that caused almost nine million to lose their jobs, a record-breaking stock-market rally that ensued, and a coronavirus that shakes the world as I write this. A plan is only useful if it can survive reality. And a future filled with unknowns is everyone’s reality. A good plan doesn’t pretend this weren’t true; it embraces it and emphasizes room for error. The more you need specific elements of a plan to be true, the more fragile your financial life becomes. If there’s enough room for error in your savings rate that you can say, “It’d be great if the market returns 8% a year over the next 30 years, but if it only does 4% a year I’ll still be OK,” the more valuable your plan becomes. Many bets fail not because they were wrong, but because they were mostly right in a situation that required things to be exactly right. Room for error—often called margin of safety—is one of the most underappreciated forces in finance. It comes in many forms: A frugal budget, flexible thinking, and a loose timeline—anything that lets you live happily with a range of outcomes. It’s different from being conservative. Conservative is avoiding a certain level of risk. Margin of safety is raising the odds of success at a given level of risk by increasing your chances of survival. Its magic is that the higher your margin of safety, the smaller your edge needs to be to have a favorable outcome.

I'm not convinced," Dodds said. It was Thursday morning, just six hours after Bosch and Chu had ended their surveillance of Chang, with the suspect going to an apartment in Monterey Park and apparently retiring for the night. "Well, Cap, you shouldn't be convinced yet," Bosch said. "That's why we want to continue the surveillance and get the wire." "What I mean is, I'm not convinced it's the way to go," Dodds said, "Surveillance is fine. But a wire is a lot of work and effort for long-shot results." Bosch understood. Dodds had an excellent repu tation as a detective, but he was now an administrator and about as far removed from the detective work in his division as a Houston oil executive is from the gas pump, He now worked with personnel numbers and budgets, He had to find ways of doing more with less and never allowing a dip in the statistics of arrests made and cases closed. That made him a realist and the reality was that electronic surveillance was very expensive. Not only did it take double-digit man hours to carefully draft a fifty plus-page affidavit secking court permission, but once permission was granted, a wiretap room had to be staffed twenty-four hours a day with a detective monitoring the line. Often a single-number tap led to other numbers needing to be tapped and under the law each line had to have its own monitor. Such an operation quickly sucked up overtime like a giant sponge. With the RHD's OT budget seriously down because of economic constraints on the department, Dodds was reluctant to give any of it up for what amounted to an investigation of the mur der of a South Side liquor store clerk. He would rather save it for a rainy day-a big-time media case that might come up and that would demand it.

Stop saying "we can't afford" Homes for All, Green New Deal or Medicare for All. If we didn't spend trillions on endless wars and tax breaks for millionaires, we could afford to house our homeless, care for our seniors, and save our planet. We suffer from greed, not scarcity. (7/29/2020 on Twitter)

Emergency savings can be used to pay for unexpected emergencies only, which include: ➔Unexpected home repairs and replacement of essential items ➔Unexpected essential car repairs ➔Unexpected medical/dental bills ➔Bills and household costs in the event of an unexpected drop in income. Examples of expenses that cannot be funded by emergency savings are: ➔Christmas and birthdays ➔Routine or advance-planned medical/dental treatments ➔Budgeting fails ➔Impulse purchases ➔Non-essential repairs/replacements ➔Holidays.

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

The /utility /economists, according to Wicksell, were committed to a “thoroughly revolutionary programme” precisely on this question of distribution of income.^9 Marshall, and to some extent Pigou, got out of the fix that their theory had landed them in by emphasizing the danger to total physical national income that would be associated with an attempt to increase its /utility /by making its distribution more equal. This argument has been spoiled by the Keynesian revolution. If, as Keynes expected, saving is more than sufficient for a satisfactory rate of private investment, to use it for social purpose is not only harmless but actually beneficial to National Income, while if more total saving is needed than would be forthcoming under /laisser faire /it can easily be supplemented by budget surpluses. Edgworth, as we saw above,^10 and many after him, took refuge in the argument that we do not really know that greater equality would promote greater happiness, because individuals differ in their capacity for happiness, so that, until we have a thoroughly scientific hedonimeter, “the principle ‘every man, and every woman, to count for one,’ should be very cautiously applied.”^11 Many years ago, this point of view was expressed by Professor Harberler: “How do I know that it hurts you more to have your leg cut off than it hurts me to be pricked by a pin?” It seemed at the time that it would have been more telling if he had put it the other way round. Such arguments are getting rather dangerous nowadays, for though we shall presumably never have a hedonimeter whose findings would be unambiguous, the scientific measurement of pain is fairly well developed, and it would be very surprising if a national survey of the distribution of susceptibility to pain turned out to have just the same skew as the distribution of income. If the question is once put: Would a greater contribution to human welfare be made by an investment in capacity to produce knick-knacks that have to be advertised in order to be sold or an investment in improving the health service, it seems to me that the answer would be only too obvious; the best reply that /laisser-faire /ideology can offer is not to ask the question. [pp. 127-8]

Start by coming up with three SMART goals, and make sure to write them down.

On January 21, 2021, the day after inauguration, Biden reversed the order. It was one of his first actions as president. No wonder, because, as The Hill reported, this executive order would have been “the biggest change to federal workforce protections in a century, converting many federal workers to ‘at will’ employment.” How many federal workers in agencies would have been newly classified at Schedule F? We do not know because only one completed the review before their jobs were saved by the election result. The one that did was the Congressional Budget Office. Its conclusion: fully 88% of employees would have been newly classified as Schedule F, thus allowing the president to terminate their employment. This would have been a revolutionary change, a complete remake of Washington, DC, and all politics as usual. If the HHS Administrative State is to be dismantled, so that it will become possible to manage the various Executive Branch agencies once again, Schedule F provides an excellent strategy and template to achieve the objective. If this most important of all tasks is not achieved, then we will remain at risk that HHS will once again attempt to trade our national sovereignty for additional power by aligning with the WHO, as was recently attempted in the case of the surreptitious January 28, 2022, proposed modifications to the International Health Regulations [434]. These actions, which were not made public until April 12, 2022, clearly demonstrate that the HHS Administrative State represents a clear and present danger to the US Constitution and national sovereignty and must be dismantled as soon as possible.

There is a fraud going on in the airlines regarding bumping passengers from their flights. A passenger that is bumped from their flight is entitled to compensation. If the airline documents that bumping as a ‘No Show’, the passenger is not entitled to compensation. Incorrectly recording passengers as ‘No Show’ saves the airline money and keeps its bumping numbers artificially low.

Financial literacy lessons should be introduced at an early stage of schooling. Basic concepts like budgeting, saving, and the importance of credit should be integrated into the curriculum. This approach ensures that young minds absorb essential financial knowledge at the right time.

Scaling a solution that saves or improves the lives of eight-year-olds instead of eighty-year-olds has a bigger cumulative impact over time and thus arguably calls for a larger slice of the budget.

It’s no secret that the most expensive line item on just about any corporate budget is payroll. People. Losing and replacing people is enormously expensive. So even if compa- nies can’t quite bring themselves to invest altruistically in a healthy culture, they need to understand this priority from a purely financial interest. It’s a smart business decision to help teams integrate their hearts into the workplace mix; it will save them money. And as a bonus, it will help people make better decisions, synergize their gifts, and actually want to go to work in the morning.

Eighty-five billion dollars was more than the annual budgets of Singapore and Taiwan combined;

Of course, this logic applies to all animals. Whether you are a human, ape, dog, or jellyfish, natural selection will select against activities that waste energy at a cost to reproductive success. In this regard, all animals should be as lazy as possible. However, the evidence suggests that humans are more averse to needless physical activity than many other species because we evolved an unusually expensive way of increasing our reproductive success from an unusually low-energy-budget ancestor. When your expenses are high, every penny saved is valuable.

Suraj solar and allied industries, Wework galaxy, 43, Residency Road, Bangalore-560025. Mobile number : +91 808 850 7979 ### Embracing Solar Rooftop in Bangalore: A Sustainable Solution for Your Home Are you keen on reducing your monthly power bills while contributing to a cleaner and more sustainable environment? Investing in solar rooftops could be the answer you’ve been looking for, especially if you're living in Bangalore, a city blessed with abundant sunlight throughout the year. #### The Benefits of Solar Rooftops 1. **Cutting Down Electricity Bills**: One of the most immediate advantages of installing a solar rooftop system is the significant reduction in electricity bills. Solar panels harness sunlight and convert it into electricity for your home. By generating your own power, you can lower your dependence on grid electricity, which often comes with high charges, especially during peak hours. 2. **Environmental Impact**: Transitioning to solar energy is not just about personal savings. It’s a step toward a cleaner, greener environment. By choosing solar panels, you’re reducing your carbon footprint and contributing to the fight against climate change. Each kilowatt-hour of solar energy produced helps to eliminate emissions associated with traditional fossil fuel energy sources. 3. **Incentives and Subsidies**: The government of India and various state governments, including Karnataka, offer attractive incentives, rebates, and subsidies for solar panel installations. These financial benefits make the initial investment more manageable, allowing you to reap future savings sooner than later. 4. **Low Maintenance Costs**: Solar rooftops are designed to be durable and require minimal maintenance. Generally, a good quality solar panel can last 25 years or more, with little upkeep beyond occasional cleaning to remove dust and debris. This longevity ensures that the system remains efficient for years to come. 5. **Increase in Property Value**: Homes equipped with solar rooftop systems often experience an increase in property value. As more homebuyers become environmentally conscious, a solar installation can be a selling point, making your property more attractive in a competitive housing market. #### Sunease Solar: Your Partner in Going Solar Sunease Solar is paving the way for Solar Rooftop in Bangalore. Specializing in solar rooftop installations, Sunease Solar offers tailor-made solutions that cater specifically to your energy needs. With a team of experienced professionals, they guide you through every step— from assessing your energy requirements to designing a system that maximizes efficiency while fitting within your budget. #### How to Get Started The journey to going solar begins with a thorough assessment of your roof and energy consumption. Sunease Solar provides free consultations, allowing you to explore the viability of solar energy in your home. Once you decide to move forward, they will oversee the installation process from start to finish, ensuring that everything complies with local regulations. After the installation, Sunease Solar offers ongoing support, helping to monitor the system’s performance and addressing any concerns you may have. Their commitment to customer satisfaction and sustainable energy solutions makes them a leading choice for solar rooftops in Bangalore. #### Conclusion If you’re ready to reduce your monthly power bills and contribute to a sustainable future, consider investing in a solar rooftop system. With the right partner like Sunease Solar, making the switch to solar can be seamless and beneficial for both your wallet and the planet. It's time to harness the power of the sun and embrace a greener lifestyle—are you ready to take the plunge?

Suraj solar and allied industries, Wework galaxy, 43, Residency Road, Bangalore-560025. Mobile number : +91 808 850 7979 Solar street lights have emerged as a sustainable and efficient lighting solution, harnessing the power of Solar Street Light Price in Bangalore, a city known for its technological advancements and focus on sustainable practices, the adoption of solar street lights has been on the rise. This article delves into the pricing dynamics ofSolar Street Light Price in Bangalore, exploring the factors influencing costs, comparing price ranges, and providing valuable insights for individuals or organizations looking to invest in this eco-friendly lighting option. 1. Introduction to Solar Street Lights Overview of Solar Street Lighting If you've ever walked down a dark street and thought, "Wow, this could really use some more light," then solar street lights are here to save the day. These nifty lights are like your regular street lights but with a green twist – they harness the power of the sun to illuminate your path. Importance of Solar Energy in Street Lighting Solar energy is like that reliable friend who always has your back – it's renewable, sustainable, and abundant. By using solar energy in street lighting, we reduce our dependence on fossil fuels, cut down on electricity bills, and contribute to a cleaner, greener future. Plus, who doesn't love soaking up some vitamin D during the day and then basking in solar-powered light at night? 2. Benefits of Solar Street Lights Energy Efficiency and Cost Savings Picture this: solar street lights gobbling up sunlight during the day, storing it in their metaphorical bellies, and then gleefully lighting up the streets at night without a care in the world. Not only are they energy-efficient, but they also help save on electricity costs in the long run. It's like having your cake and eating it too – or in this case, having your light and saving on bills. Environmental Impact and Sustainability If the planet could talk, it would give a standing ovation to solar street lights. By opting for solar-powered lighting, we reduce carbon emissions, lower our environmental footprint, and take a step towards a more sustainable future. It's basically like hitting the eco-friendly jackpot – brighter streets, happier planet. 3. Factors Affecting Solar Street Light Prices in Bangalore Quality and Brand Reputation Just like choosing between a gourmet burger and a fast-food one, the quality of solar street lights can vary. Brands with a good reputation often come with a higher price tag, but they also offer reliability and performance that's worth the extra dough. Technology and Features From fancy motion sensors to remote-control options, the technology and features packed into solar street lights can influence their prices. It's like picking a smartphone – the more bells and whistles, the higher the cost. But hey, who doesn't love a little extra tech magic in their lighting? 4. Price Range Analysis of Solar Street Light Price in Bangalore bustling city, solar street light prices can vary based on features, quality, and brand. It's like playing a price-matching game where you can find something that still sparkles like a diamond while staying within your budget. Popular Models and Their Prices Bangalore offers a wide range of popular solar street lights at a variety of price points, ranging from sleek, contemporary designs to robust, effective models. There is a solar street light with your name on it, whether you are a tech-savvy enthusiast or a buyer with a tight budget. 5. Tips for Choosing the Right Solar Street Light Considering Your Lighting Needs Prior to entering the solar street light market, consider your lighting requirements.

If you are looking for great savings on quality used cars in the Birmingham area, then you have reached the right place. Park Garage are a specialist used car dealer based in West Midlands. We are proud to offer you a first class customer service and very competitive pricing, so please browse our stock list. At Park Garage, we stock a range of used cars to suit all budgets and lifestyles so we are sure to have the right car for you.

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

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.

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

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.

Down with the Miserable Moneygrumps ™!

Be a Cinchy Saver ™!

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

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,

This low level inflation encourages economic growth; because it helps people to spend money rather than hoard it; since it will gradually lose value due to future inflation. On the other hand, inflation eats away at savings, so that savers experience a loss of wealth by stealth!

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?

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.

WAL-MART: “In those days, we would go on these buying trips with Sam, and we’d all stay, as much as we could, in one room or two. I remember one time in Chicago when we stayed eight of us to a room. And the room wasn’t very big to begin with. You might say we were on a pretty restricted budget.” But sometimes I’m asked why today, when Wal-Mart has been so successful, when we’re a $50 billion-plus company, should we stay so cheap? That’s simple: because we believe in the value of the dollar. We exist to provide value to our customers, which means that in addition to quality and service, we have to save them money. Every time Wal-Mart spends one dollar foolishly, it comes right out of our customers’ pockets. Every time we save them a dollar, that puts us one more step ahead of the competition—which is where we always plan to be.

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)

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 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).

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?

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.

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.

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.

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

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.