investment education

Public schools are tied to real estate values. Every dollar invested in schools/education would raise collective home values by multiples. [People move because of school districts! Why not invest like you would a bridge or road?]

Also, a well-paid teacher within a well-funded school would make capitalism look bad. A socialized position must be under attack as to privatize in the future.

a short text on why brazil is fucked up and may elect a brazilian version of trump in 2018

because the answer got too long, so i decided to make a post about it @parabatied

and also this is important because apparently the media outside brazil is not talking about it at all. which is freaking terrifying. so please, please, if you see this, at least read it. here we go;

the students here are occupying federal universities campi, federal schools and such as a way of protesting. they’re protesting because the people in charge of our country right now (the white straight rich men who impeached our previous president) are pretty much like trump! they’re fucking us so badly; so far they have;

  • a project to freeze ALL investments on education and health and all public services for twenty years, because that’s money they need to “save” so they can restore our’s economy 
  • AND even if the economy get’s better in like 5 years? STILL NOT A PENNY WILL BE REDIRECTED TO EDUCATION ETC!!!
  • but they are spending money with useless things?? like SO MUCH money!! they are spending (so far); 500 thousand reals on a concert???, 283 thousand reals to reform the chief of government’s office????, so far the ministers had traveled 238 times with an airline without paying anything which is SO illegal it hurts,  they are changing all the government’s softwares to windows, which is gonna cost nothing less than FIVE HUNDRED MILLION REALS!!!!! AND IS SO UNNECESSARY!!! and not a single penny of all this money is going to education or health care or any public service!!
  • and they just decided to pay more for all the cops (a raise of 47%!!!!), because they know they’ll need them on their side if this all goes down in civil war!! 
  • and the senators and governors apparently are going to get a raise too!! how fucking unbelievable is that?? 
  • there’s also another project that cuts philosophy, sociology, etc out of the schools’ obligatory classes, because this way people will come out of school knowing enough to do their jobs like fucking slaves, but not conscious enough to rise against the state. 
  • in my state, TEACHERS ARE F O R B I D D E N to discuss politics, sociology, religion, SEXUALITY AND GENDER DIVERSITY in schools! THEY ARE LITERALLY FORBIDDEN TO DO SO and it’s illegal to do it! all they can do is literally teach what’s in the books and that’s it. they can’t tell their students they’re free to be who they are, or believe in what they want to believe, or how fucked up their country is.
  • AND MY FAVORITE ONE!!: the table of men who literally run this country is ALL composed in it’s MAJORITY (if not entirety) by white, rich, straight, catholic men! guess what? ALL OF THEM are being charged with crimes of corruption! how beautiful is that? one of them is even the lawyer of the others!!! THESE are the people ruling a country that was supposed to be secular (free of any religion influence). 

can you seriously believe in that??? THAT’S NOT EVEN ALL!! 

  • a brazilian version of trump called bolsonaro (or as we prefer, bolsoshit) is running for presidency in 2018 and he has a LOT of supporters so far, and now we are all terrified cause trump winning might give this piece of shit some influence. 

  • on the audience to vote for the impeachment of our previous president (i miss her so much, she actually cared about all minorities), he fucking praised a guy who was a colonel or something during the militar dictatorship (which is by far one of the worse things that ever happened to us, brazilians!), claiming he was a hero! W T F?
  • he hates woman, and thinks lgbtq+ people are the way they are because they didn’t get beaten enough!!!! 
  • he literally says that! that we all deserve to get spanked in the streets by random strangers!!!!!! and he alongside his catholic trash white straight rich men believe in the conversion therapy, as in being gay has a fucking cure????? and they want to fucking execute it as a law or something?

so yeah, the students decided to rise on their own, because no one here has our backs! and seriously every time i have to explain this to someone i get shocked? because we are literally broke, in the edge of a civil war, and apparently the media is not saying anything about it? 

5 Money Lessons Students Should (But Usually Don't) Learn In School

Students who have taken a class in personal finance are more likely to save, more likely to budget, and more likely to have invested money. They’re also more likely to learn:

1. The basics of budgeting.

2. The magic of compound interest.

3. The value of paying yourself first. 

4. The importance of using credit responsibly.

5. The danger of identity theft.

Here’s what else they could be missing on if they don’t learn financial literacy.

Things Worthy Of Investment:
  • a hobby
  • adventures
  • traveling to new places
  • things that make you happy
  • different types of food
  • new experiences  
  • education
  • yourself
The Hood Is The Hood Because The Investment In Education Is Poor

The gap between rich and poor schools has grown 44% over the last decade.

The majority of states have cut school funding since 2008.

Communities with more high school graduates see 30% less violent crime.

It’s about bringing opportunities to folks that need it!

It’s about paying attention!

College Loan Hacks You Need To Know Now

Keep in mind, though, that none of this applies to private loans held directly from banks. Here’s what you need to know:

1) There’s a loan forgiveness program, but it’s for those in non-profit public service.

2) You can gauge your repayments based on income.

3) You can get a temporary break from repayments thorough forbearance or deferment.

More.

Today I did everything I wanted to do and more. I went up to Manchester to protest Donald Trump’s rally and met some really cool people. There was so much support. People coming up to me wanting to take pictures with me and telling me that they were impressed with me and proud of me. Of course there were Trump supporters that weren’t our biggest fans. One of them approached me asking me if I even knew what a fascist was. I just laughed. There were others that said that Obama was racist as opposed to Trump. And we established that this is why America needs to invest in education. I am so proud of myself and the people I have surrounded myself with. I love you all.

10

America’s Best Business Schools 2015

An MBA is a major investment at an elite school such as Harvard (above), where one costs more than $300,000 in tuition and foregone salary. MBAs have become slightly less valuable after the 2008 financial crisis, but grads from the best schools still earn back their investment, on average, in four years. Here are the top 20 based on their return on investment.

With Just $10 "You're Wealthier Than 25% Of Americans"

Last week Credit Suisse released its annual Global Wealth Report.

The big headline grabber was their analysis showing that the top 1% of people now own 50% of the world’s wealth.

That is true and rather astonishing.

However, the report had another finding that was even more astonishing and largely overlooked.

What they found was that, as a percentage of the world’s population, there are now more poor people in the United States and Europe than there are in China.

Shown here, along the left side of the graph you can see that 10% and 20% of the world’s poorest are in North America and Europe.

Here, they aren’t talking about income. They define poor as lacking ‘wealth’, i.e. taking into account assets and liabilities like cash and debt.

Credit Suisse estimates that half of the world has a net worth less than $3,210. And a large chunk of Americans and Europeans can’t make that cut because their net worth is negative.

That’s especially the case for young people these days, who graduate from university with an incredibly expensive degree and an average of $35,000 in student debt.

Of course, plenty of people are in debt up to their eyeballs in the Land of the Free, and not just student debt.

Debt has become the American Way. People go deeply into debt that they can’t afford to buy stuff they don’t need to impress people they don’t know, simply because everyone is doing it.

And it’s just so damn easy.

Keep reading

A few things about kpop

A/N: I see a lot of new kpop fangirls, i mean that’s normal the hallyu wave is spreading, but there is a lot that they do not understand. So I thought I’d make this list so you guys can understand just what conditions your favourite kpop idols work in.

  • The way kpop entertainment industries work, comes from a very prominent and successful Japanese marketing strategy.
  • The easiest way to explain it would be artist education and distribution. That’s what they do. Basically they recruit artists, invest in their education (both academic and musical) and then distribute artists to those companies and events that require them - includes making albums, events, concerts and fansigns, endorsements too.
  • On paper this looks like a very clean execution of a plan that aims to uplift the artist. Lol. There is a huge integral part of this plan which eventually puts the artist’s life and integrity at danger - the investment.
  • When a company invests in an artist, it includes everything from their training, their clothing, the guidance of instructors and managers, their staff, their training in special things such a martial arts or ballet, and even the transport to and from events.
  • This doesn’t look like much but if you consider it, the artist is already in debt before they debut or even if they don’t debut.
  • There are contracts that are signed with minors mostly (because most of the korean artists become trainess when they are minors) so it’s the parents that sign the contract literally stating that they will pay off the debt when they become famous or pay a compensation if they wanna break the contract.
  • Consider this. A minor gets into a contract and lives with the trainee allowance that the company gives, in a small dorm with all other trainees. They have to also keep an eye on what they eat because they get monitored every other week or so (where they are asked to check weight, height and appearance and even take sample photoshoots to understand their best angle) but if you’re a teen away from home and constantly broke how are you going to eat healthy and a lot? you won’t.
  • ONLY VERY FEW TRAINEES EVENTUALLY DEBUT. There are a lot of people who never debut or leave the company. Those that debut have it even more tough because now their debt is going to increase because of all the music they produce, the shows they get on and even the clothes and photoshoots they have to do.
  • HOW THEY EARN: artists earn by becoming an employee of the company they work with so a songwriter or a composer or a producer reduces the debt by earning the salary of a songrwriter/composer/producer. Or they do advertisments or dramas or films or take up other business endorsements. This is how they earn
  • If you’re in a group, the money goes to resolving the debt of the GROUP not individual. That’s why in a group they have designated people for advertisments (suzy from Miss A) or drama (N and Hongbin of VIXX) or musicals (Ken and Leo of ViXX) or writing/composing/producing (Rap Monster and Suga of BTS). This may not be the case for every company.
  • The korean music industry runs by season. So there are a minimum of 2 comebacks for a group in a year. But nobody ever sticks to that. Every group usually puts out 2 albums in a year and an EP, or 3 EPs. They manage to have a comeback atleast thrice in a year. This may also include overseas activity like a japan/china/thai area comeback.
  • Because the amount of music they have to put out is a lot, they are also in immense pressure. Your oppa looks tired and thin because they are under pressure to put out better work without copying anyone else’s music.
  • All of this, we have talked about the artist. But in this industry my loves, the artist themselves gets very little say. It’s the president, management and the producers of an industry which decide the type of music an artist will do or a group will do and they do so for years. Your oppa or unnie don’t get a lot of say. The company decides their music, a composer will make them their music, the coordi noonas will decide which program they get on, the stylist decides what clothes they will wear.
  • Do you realise how little control the person has in their life? Remember that they are in debt too. All of this, because they became famous.
  • And you might question, why do parents send their kids to become idols if this is how they live.
  • because they are famous and most often rich because they’re known
  • BECAUSE ‘THEY BECOME FAMOUS’ IS A VERY GOOD REASON TO TRUDGE THROUGH THIS LIFE FOR SOMEONE WHO HAS BEEN POOR
  • background check your oppas and you will realise that the conditions they’ve had to live in before they chose to pursue music, weren’t very nice. They all come into this industry because this is only way to make money and eat and live while doing something they love
  • even  if it means living the way they do.

DISCLAIMER: Whatever I’ve written may or may not apply to all industries. I’ve only mentioned those things that I’ve found out during my research and I thought it was important to acknowledge these artists because they’re not always living life with a golden spoon. Please forgive me if I have hurt or mislead or disrespected anyone. I will retract my statements if they are proven to be untrue.

tagged by @rnyfh (thank u!!)

Last movie you saw? ROGUE ONE!!!! 
Last song you listened to? Can’t Deny My Love by Brandon Flowers
Last show you watched? Sherlock…
Last book you read? I’m currently reading The Shock Doctrine - The Rise of Disaster Capitalism by Naomi Klein 
Last thing you ate? Pancakes!!! I made them myself, I’m such a good cook
Where would you time travel? Uuhh centuries ahead, I’d want to see the development of society and technology. Ohh I’d also like to watch the space race and the rise of the surrealist movement
What would you do with the money you won from the lottery? I’d make sure my parents lived comfortably and idk, invest in my education
What fictional character would you spend the whole day with? SPOCK I’d try to make him cry

I tag @xantico @fate-motif @tarsusingkirk @mxl-plx @vulcanette and whoever wants to do it!! 

What To Do At The End Of The Student Loan Grace Period

With November quickly approaching, many student loan borrowers are suddenly realizing that their grace periods are about to end. Soon, they’ll have to start making payments on the student loans that they took out over the last few years.

This article provides insights on how borrowers can take control of their student loans before payments even come due.

The Latest: Shakira calls for more early childhood education

DAVOS, Switzerland (AP) – The latest on the World Economic Forum’s annual meeting in the Swiss ski resort of Davos (all times local):

12:15 a.m.

Shakira is suggesting an antidote for violent conflict and divisive populism: Get more kids in pre-school.

The Colombian singer is using her distinctive voice to lobby the world’s rich and powerful at the World Economic Forum in Davos for more spending on early childhood education.

Asked if she had a message for U.S. President-elect Donald Trump, she urged solid education policies that instill “inclusiveness and tolerance” for future generations.

Recalling a childhood in Colombia marred by war, she said: “If we really want peace, we need to invest in education.”

Shakira and actor Forest Whitaker were given special awards at Davos on Wednesday for their humanitarian work.

Whitaker noted that his charity work in societies emerging from conflict requires coordination with governments of different stripes, and he stressed the importance of grassroots activity.

___

7:45 p.m.

There’s no chance that Klaus Schwab, the founder of the elite political and business gathering in Davos, will undersell the importance of the World Economic Forum.

Addressing delegates Monday in the Swiss ski resort, Schwab said this year’s 47th WEF is taking place at an “extraordinary moment of history,” when a “sometimes-disruptive transformation” partly related to technological advances is hitting businesses and societies.

Acknowledging a growing pessimism around the world, Schwab urged delegates to look to the future in a “self-confident way,” to repair deficiencies in the capitalist system and to think in the long term.

Schwab also noted that one-third of those at this year’s meeting are from the emerging world, including the largest-ever delegations from China and India.

The forum officially starts Tuesday. Chinese President Xi Jinping arrived Monday by train to a red carpet welcome.

___

7:15 p.m.

U.S. Vice President Joe Biden says his “prayer” is that the incoming Trump administration will continue to support the fight against cancer, which kept Biden from running for president after it took the life of his son, Beau.

Biden was speaking Monday before the start of the World Economic Forum in Davos to promote his “Cancer Moonshot” initiative. He hailed bipartisan support in Congress for a bill that brought in $1.8 billion for additional research at the National Cancer Institute.

Biden said he had spoken with Vice President-elect Mike Pence about his willingness to work with the new Trump administration to help it be as “committed and enthusiastic as we are in the goal of ending cancer.”

He urged other countries to also invest in the fight against cancer and called for greater collaboration among researchers, health care providers and drug firms.

___

6:30 p.m.

CEOs are increasingly confident about the near-term prospects of their companies despite an array of worries that includes mounting concerns over a lurch toward trade protectionism.

That’s the finding from an annual survey of CEOs by global accounting and consulting firm PwC ahead of the World Economic Forum.

The survey found that 38 percent of CEOs are very confident about their company’s growth prospects in the next 12 months, against 35 percent last year. Meanwhile, 29 percent of respondents believe global economic growth will pick up in 2017, up from 27 percent last year.

Bob Moritz, PwC’s chairman, says one worry that has swelled over the past few months is protectionism. Fears that the era of globalization may go into reverse have been stoked by Britain’s vote to leave the European Union and Donald Trump’s election as U.S. president.

PwC’s survey was based on 1,379 interviews across 79 countries between Sept. 26 and Dec. 5, with the majority conducted online.

___

5:45 p.m.

The chairman of global accounting and consulting firm PwC doubts that many companies will leave Britain after the country exits the European Union.

Speaking to The Associated Press in the Swiss ski resort of Davos ahead of Tuesday’s official start to the World Economic Forum, Bob Moritz said he hadn’t seen any institutions leave and that he doesn’t expect them to do so “anytime soon.”

However, Moritz says his firm is advising its many clients to be “thoughtful” and to engage in “scenario planning.”

British Prime Minister Theresa May is due to outline her vision of Britain’s post-EU future on Tuesday.

The British pound fell around 1 percent Monday on worries that May will make it clear that her government is prepared to leave the EU’s single market, which guarantees no tariffs on goods and services, during the upcoming Brexit discussions. That’s prompted speculation that firms will ditch Britain in favor of a base within the single market.

___

5:15 p.m.

For 51 weeks of the year, the Swiss village of Davos is much like other Alpine ski resorts - fairly low profile. But around the annual World Economic Forum, it turns into something more akin to a fortress.

Checkpoints, roadblocks, airspace restrictions and armed forces are put in place to provide security to the visiting business and political leaders.

Swiss authorities say the extra security cost for this year’s gathering, which officially begins Tuesday, is around 9 million Swiss francs ($9 million) as of late November. That’s split between various parties, including the central government and the WEF itself.

The cost of deploying troops at this event is said to be similar to that of a regular training for battalions. In previous years, it has cost an average of 28 million Swiss francs per meeting.

The Federal Council, Switzerland’s executive branch, considers the WEF “an exceptional event,” providing “a unique opportunity” to bolster relations with leading figures.

___

1:30 p.m.

The World Economic Forum, which organizes the annual gathering of the global political and business elites in the Swiss ski resort of Davos, says the focus on economic growth, which has guided policymaking for decades, is no longer fit for purpose.

In a report published Monday, the WEF proposed a shift in policymaking to “respond more effectively to the insecurity and inequality accompanying technological change and globalization.”

The WEF’s main recommendation is that governments make improving living standards one of their key goals.

It says most countries are “missing important opportunities to raise economic growth and reduce inequality at the same time,” adding that measurements such as life expectancy, productivity and poverty rates should be priorities.

Under a new ranking system that incorporates so-called “inclusive development,” the WEF rated Norway top, followed by Luxembourg and Switzerland.

The issue of inequalities both within countries and across the world is a key focus of this year’s WEF, which officially opens Tuesday.