social funding

📣📣📣 this is a public service announcement for those following the grenfell tower story abroad 📣📣📣

a lot of the foreign press seems to ignore the main tenets of the story so if you may here is a brief breakdown of why it’s shaping up to be a defining national moment in the uk:

***the housing tower is located in north kensington. it is social housing for poor and working class londoners of which a huge number are BME. the borough of kensington and chelsea is the richest in london and marked by devastating inequality and gentrification that some poorer residents describe as social cleansing. non-luxury housing in london is generally a huge issue that has gone unaddressed for decades now, and privatisation of social housing provision has meant that profit motive and cost cutting have been strongly featured in poor people’s housing. race, housing and poverty are also tightly linked in london; this was a poor and ethnically diverse community as you can see if you watch videos from the scene. first victims we knew that sadly perished were a black british female photographer and her mum, and and a syrian refugee.

***the council is tory and they have done less and less for the housing of its poorer residents and more to accommodate wealthy people. for example, the council is sitting on 300 million in cash reserves yet somehow didn’t find cash to install basic fire sprinklers that the residents asked for? not only that but the 8 billion refurbishment that included the now notorious cladding was partly done for insulation but partly also to make the ugly 1970s council estate look more aesthetically pleasing for the swanky neighbourhoods nearby. the more flammable material used in the cladding saved the building contractor a whopping £5000

***government has been tory for the past 7 years and the order of the day has been austerity. public services have been cut to the bone and so has local authority funding. social housing managers who often work for subcontracted private providers paid by the council have a huge case load. they are encouraged to spend less and less time on health and safety (including fire safety) and more on asking intrusive questions about people’s jobs and incomes because of the tory culture of dividing people into the “deserving and undeserving poor” ie those who work and those who don’t. people on benefits are not prioritised when it comes to housing despite individual circumstances, which is why in grenfell you had 70 year olds with limited mobility living on the 22nd floor.

***uk has probably the most entrenched class system in the world and trashing of the working classes and the poor is almost a national hobby for some people. right-wing tabloid media is extremely powerful and they paint a picture of benefit cheats and non-working immigrants even though most poor people in britain work (they are the new working poor who have terrible wages and live in squalid and unaffordable housing) and most BME people were born here, they’re not immigrants

***if you are poor you are largely voiceless and meaningless to this neoliberal tory government. the tenants had written letters raising concerns about fire safety and in response were threatened with legal action. of course they couldn’t respond because tories have cut legal aid because of… yes, austerity. meanwhile tory ministers have been sitting on reports about fire safety in council flats including one from a coroner of a case where six people died in a housing block in south london in 2009. the prime minister didn’t meet the people affected at the scene and the response has generally been very poor. local council has been nowhere to be seen and the donations have come from ordinary people – proper working class solidarity in the face of state that treats them with utter contempt.

TL;DR: austerity kills, gentrification kills, indifference kills. people want justice, they are angry. why did up to 150 people die? this was preventable – it’s scandalous, horrific. it’s like poor people’s lives don’t matter in britain – a hurricane katrina moment for the uk. so please watch videos of THE PEOPLE, poor and working class londoners, who are suffering and expressing anger. don’t listen to theresa may, tories and the bbc trying to sanitise the story. this has everything to do with inequality, poverty, race and most of all CLASS. make those people visible again and help us change things because honestly this is the breaking point and we don’t need people spreading a false narrative abroad. cheers, peace out

I’m fairly certain that the people who make the “batman could make himself obsolete by using his money to solve the economic strain that drives many people to crime” posts are only familiar with Batman through Will Arnett’s spoof performance in the Lego movie, since that’s the only version of Batman I know where he isn’t hiring so many ex-convicts at his company so they have a legitimate source of income and using so much money to fund social programs that all the other bigwigs at Wayne Enterprises hate him and want him gone

Literally every version of his origin story I can remember involves him realizing that he can’t just treat the symptoms as Batman, he has to treat the root cause as Bruce Wayne. A huge part of the plot of “The Dark Knight Rises” is that his company is on the verge of bankruptcy because Bruce keeps spending all their profits on things like “clean energy” and “food and shelter for orphans.”

The opening of “Arkham City” shows him campaigning against mass incarceration because the majority of the inmates in Arkham City are not public menaces like the Joker, they’re desperate people with no other options, and Gotham should be providing them with legitimate means of stability rather than punishing them for having none.

Especially since the majority of his villains are independently wealthy people (doctors, lawyers, business executives) who are exploiting people’s desperation in order to get themselves henchmen, and the henchmen almost always have jobs with a living wage waiting for them on the other side of their sentence, and Bruce has a standing offer to pay out-of-pocket for the therapy of any of his villains whose crimes are the result of a mental illness (which Bruce is sympathetic to since he is mentally ill himself)

But what’s really damning about these posts is that a lot of them suggest Bruce should use his money to give the police the resources they need to deal with crime on their own, which makes it clear they’ve never actually consumed a piece of Batman media, since the issue with the Gotham Police is not that they’re underfunded. They have a bloated budget, they’re almost militant, and they’re so corrupt that they actually encourage crime, both violent and economic, because they’re on the payroll of the richest criminals. 

Also, some of them refer to Batman as a “old rich white man’s wet dream” and I really disagree here. A story that says the only rich dude in the world who’s not a criminal drain on society is the one who spends the majority of his hefty inheritance and all his corporate profits trying to correct the imbalance that allowed him his wealth in the first place, whose staunch belief is that the best crime control policy is building a world where no one feels crime is necessary, as well as refusing to support mass incarceration or police corruption, systems which stand to benefit him financially? Batman is an old rich white man’s worst nightmare

‘Developing’ countries are still 'developing’ because they are exploited by multinational corporations from rich 'developed’ countries.

Globalized capitalism paints a gruesome picture of the appalling, deadly practices these corporations engage in to use cheap labor and suppress any opposition through force.

The outsourcing of jobs from developed countries occurred when workers won their rights: protection from unsafe working conditions and products, a guaranteed wage, abolition of child labor, et cetera.

The fact that multinational corporations outsourced jobs to vulnerable developing countries where they can neglect basic human rights proves that capitalism is built on the backs of the poor, who suffer and starve despite resources being abundant.

Neoliberalism has identified exploited countries as 'developing’ to shift the blame and promote a disastrous agenda.

Arguments defending this exploitation usually are along the lines of “well, you can’t expect corporations to protect these people, it’s always the government who is at fault”. Those arguments prove that neoliberals have succeeded in their agenda.

Globalization, under capitalism, has not created a world government, but rather a connection between the ruling class worldwide, allowing for legal agreements that promote their interests above all.

Capitalism kills millions, regularly. Globalization has not only made that easier, it has legalized and normalized it.
These are the 19 agencies Trump would stop funding entirely
March 16, 2017.
By Kelly Parker, Dan Watson

Here’s a snapshot of the mission and history of the 19 independent agencies President Trump said he would stop funding entirely under his “budget blueprint.” Trump’s proposal also calls for deep cuts in other agencies and departments, including the Environmental Protection Agency and the State Department, and shifts federal resources to defense.

  • African Development Foundation
  • Appalachian Regional Commission
  • Chemical Safety Board 
  • Corporation for National and Community Service 
  • Corporation for Public Broadcasting 
  • Delta Regional Authority 
  • Denali Commission 
  • Institute of Museum and Library Services 
  • Inter-American Foundation 
  • U.S. Trade and Development Agency 
  • Legal Services Corporation 
  • National Endowment for the Arts 
  • National Endowment for the Humanities 
  • Neighborhood Reinvestment Corporation 
  • Northern Border Regional Commission 
  • Overseas Private Investment Corporation 
  • U.S. Institute of Peace 
  • U.S. Interagency Council on Homelessness 
  • Woodrow Wilson International Center for Scholars

Bernie Sanders is trying to save millennials’ retirements

  • On Friday, Sen. Bernie Sanders (I-Vt.) and Rep. Peter DeFazio (D-Ore.) introduced a bill to make Social Security solvent for generations while also expanding benefits.
  • The bill would lift the payroll tax cap on highest earners and extend the life of the program through 2078. 
  • Currently, Social Security is funded through a 6.2% payroll tax that only applies to the first $127,200 a person earns in a year. 
  • The Sanders plan is similar to one he proposed during his presidential campaign and would lift the cap on all income above $250,000. Read more (2/17/17 10:42 AM)
Self-Sustainability As A Business Value

Bootstrap as a metaphor, meaning to better oneself by one’s own unaided efforts.

Money continues to be a point of discussion for a lot of game developers in the industry. It can be daunting at times, but that stress never goes away.

Most developers assume that crowdfunding is the only way to go, when in fact, it is one of the many options for funding. Most requirements demand undivided commitment to organizational skills, deadline compromises, and financial responsibility. Crowdfunding is not exempt of all of the things just listed, it only seems to make crowdfunding the most attractive based on the lack of legal consequences. However, regardless of how this might be misconstrued by developers, options do exist for every industry out there. Hopefully, presenting healthier business options will provide for better choices regarding money.

Recently, I ran into an article about business bootstrapping. As a concept, this is what defines entrepreneurs starting out a business with next to no money. Exchanging the word ‘entrepreneur’ with ‘developer’, and it is pretty much an everyday process in the gaming industry.

In order to showcase how it works in practice, these are few of the many companies that started out self-funded, and eventually grew without external financial support. Tech companies that have thrived from keeping their goals in check, and most importantly, keeping their finances in order:


Nick Woodman got started with a $35,000 loan in 2002, originally named Woodman’s Lab. Woodman kept full responsibility of his finances until 2012, when then he opened up the company to a $200 million investment from Foxconn. Eventually, the company finally goes public in 2014 with a value of $2.96 billion.


Originally started in 2008 by Tom Preston-Werner, Chris Wanstrath, and PJ Hyett. It only took a few thousand dollars from their own savings to get things going, which provided enough revenue for all of them at the time. There wasn’t even an office then, they would meet up at coffee places to work a few times a week. It wasn’t until 2012, that they started to take on employees into the company. Years later, GitHub found $100 million investment through venture capital, and achieved $250 million in a second round of venture capital back in 2015. Nowadays, the company makes about $140 million annual revenue. GitHub value is about $2 billion.


It all started in 1995 as some sort of casual newsletter among friends to showcase events around San Francisco. Obviously, the service became a wide spread phenomenon online reaching a million page views per month by 1997, great milestone at the time. Craig Newmark, founder of Craigslist, was financially independent until 2004 when eBay paid $32 million for a piece of the company, which did not end up well because years later, a lawsuit happened and Newmark bought back the shares. Craigslist, with over 20 billion page views per month, is present in over 70 countries nowadays – tops with $690 million (revenue by 2016), and is roughly appraised in $5 billion these days.

Bootstrapping requires understanding of the financial risk that, as a developer and entrepreneur, they accept. Unlike venture capital, there is a form of total control on every decision as well as full ownership of failure. Personal finance might not be initially enough to provide success at a reasonable rate, but it educates on responsibility by becoming accountable on every financial choice made. Unlike many other ways of funding, mostly when money is third party sourced.

Startups cultivate growth from reinvesting their own profit as it comes, ideally when costs are low and return on investment is high. This financing approach allows developers to maintain control of their business and forces them to spend with discipline. Money can always become a problem when there is absence or abundance of it: if there is too much, it all gets spent now instead of saving to reinvest later; just as there is not enough, it ‘justifies’ lack of quality.

This idea isn’t limiting to startups only, it’s a valid way for business owners to treat valuable resources at any stage of their business’ growth. Considered one of the most effective and inexpensive ways to ensure a business’ positive cash flow. Also, allows businesses to focus on customers rather than investors, increasing the chances of creating a self-sustaining business.

As always, I welcome hugs, memes, cookie recipes, and tweets :3

Lego Brutalism by Arndt Schlaudraff


In response to the social media campaign Stop Funding Hate, which urges companies to drop adverts from newspapers accused of promoting “hatred, discrimination and demonisation,” the Danish company has announced they will no longer advertise with The Daily Mail :-).  (Link to the video:

anonymous asked:

You are so cool man. Okay, I just got into investing as in I opened an account with bank of america merrill edge for retirement but haven't done anything else. I know I should like buy safe stocks and stuff, but I am so wary of researching this. like i just don't trust sources that i google or magazines (my dad was interested in stocks and lost a lot of money so I just can't trust him or those magazines). I see that you have set up different markets (target retirement, inflation protected), (1/2

(2/2) and other funds. How did you get started? Where did you research? Like books or things. Thank you for your time!

Aw, thank you Anon! So, this is a little bit of a narrative, buckle up. (There is a readmore below! Read more!) 

Keep reading


Translation: “I was never considering going vegan in the first place and now I have another ridiculous excuse to keep unnecessarily buying animal products”

The day before Election Day, I’d like anyone who is considering voting Tory to explain this without mentioning Corbyn or IndyRef2…

The Tory manifesto states states they want an opportunity to bring back fox hunting, take free school lunches away from kids (to be replaced with 7p each breakfast), bring in changes so social care funding which will hurt people with dementia more than other diseases, drop a commitment to ending the ivory trade (after taking a donation from a large ivory trader), and keep the public sector pay cap while cutting taxes for the richest in society. And let’s not forget the continued austerity measures which have been deemed to be a violation of human rights by the ECHR, unfairly targeting the poor and disabled.

The Tory leader on the other hand has stated she wants government to have control over the internet, wants to rip up parts of the human rights act (which includes your right to privacy), has frequently lied about the human rights act stopping her from doing her job (when she was able to do the things she wanted anyway), has voted against LGBT equality measures, has lied about what her political opponents want to do if they win, and seems determined to suck up to Donald Trump, even when he criticises and lies about the mayor of London the day after an attack.

I happily accept that there are concerns about the other parties. I accept you may not want Lib Dems to win because of their policies, I accept you may not want SNP to win because you don’t want IndyRef2, but please please PLEASE explain to me why everything I’ve listed above is either fine with you, or an acceptable price to pay?

Because I just don’t understand.

Republican logic: Abortion is bad, so people should give up their children for adoption instead, but only straight christian couples can adopt because anything else would be immoral. Oh, and let’s cut social services funding so the orphanages and adoption agencies are running under budget too so we can give tax cuts to CEOs and increase the “defense” budget.

Help Bring Books to a Title I School

I don’t usually do this kind of thing, but I’m looking for all the help I can get!

Next year, I will being my journey as an 11th grade English teacher at a Title I school in Texas. A little background info: the makeup of my school is around 62% Latino, 30% African American, 4% White, 4% Asian American/Pacific Islander. The school has very few resources, and is located in a “food desert”–the only fresh food in the town can be found at a Walmart.

Last year, my students (I was a student teacher there) spent several hectic, terrifying months trying to make it through daily ICE raids.

It’s pretty rough being a student at this school, but my kids are amazing, funny, smart, ambitious people.

My goal, as a teacher, is for my students to walk into my classroom, and FOR ONCE, not feel like they are in a second-rate school. I want them to feel what it’s like to go to a school with enough money to buy them books and spirals and highlighters and pens. 

I want them to have an amazing classroom library.

So every weekend I’ve been hitting up Half Price Books to collect high-interest, culturally-relevant, diverse books for my kids. My goal is to give them books that don’t tell the same stories about straight, white people over and over again. I’m looking for books that showcase diversity in regards to race, ethnicity, religion, gender, sexuality, etc.

But I’m a poor, recently-graduated grad student, and it costs a lot to buy a classroom library. I’m quickly running out of spare cash to use for books.

So I’ve put together an Amazon wishlist of books or my kids, and am reaching out to folks over social media for help funding my library.

Here’s the list:

Here’s what I’ve collected so far (I’ve been piling books around my apartment): 


UES Dan & Brooklyn Blair

Dan Humphrey, aspiring author and heir to his fathers fortune, has Blair Waldorf , aspiring fashion editor from Brooklyn, under his skin. Too bad she only sees him as a trust fund baby. Or does she?

This is an idea that should be passed around.
Let’s see if  Congress understands what people pressure is all about.
Salary of retired US Presidents … . .… …. . $180,000 FOR LIFE.
Salary of House/Senate members … . .… . $174,000 FOR LIFE. This is stupid
Salary of Speaker of the House … . .… . . $223,500 FOR LIFE. This is really stupid
Salary of Majority / Minority Leaders …… . . $193,400 FOR LIFE. Stupid
Average Salary of a teacher … … .… …. $40,065
Average Salary of a deployed Soldier …… .. $38,000
Here’s where the cuts should be made!
TRUMP, in a recent interview with CNBC, offers one of the best quotes about the debt ceiling:
“I could end the deficit in five minutes,“ he told CNBC. "You just pass a law that says that anytime there is a deficit of more than 3% of GDP, all sitting members of Congress are ineligible for re-election”.
The 26th Amendment ( granting the right to vote for 18 year-olds ) took only three months and eight days to be ratified! Why? Simple! The people demanded it. That was in 1971 - before computers, e-mail, cell phones, etc.
Of the 27 amendments to the Constitution, seven (7) took one (1) year or less to become the law of the land - all because of public pressure. President Trump is asking each addressee to forward this email to a minimum of twenty people on their address list; in turn ask each of those to do likewise.
In three days, most people in The United States of America will have the message. This is one idea that really should be passed around.
Congressional Reform Act of 2017
1. No Tenure / No Pension. A Congressman / woman collects a salary while in office and receives no pay when they’re out of office.
2. Congress (past, present, & future) participates in Social Security.
All funds in the Congressional retirement fund move to the Social Security system immediately. All future funds flow into the Social Security system, and Congress participates with the American people. It may not be used for any other purpose.
3. Congress can purchase their own retirement plan, just as all Americans do.
4. Congress will no longer vote themselves a pay raise. Congressional pay will rise by the lower of CPI or 3%
5. Congress loses their current health care system and participates in the same health care system as the American people.
6. Congress must equally abide by all laws they impose on the American people.
7. All contracts with past and present Congressmen/women are void effective 3/1/17. The American people did not make this contract with Congressmen/women.
Congress made all these contracts for themselves. Serving in Congress is an honor, not a career. The Founding Fathers envisioned citizen legislators, so ours should serve their term(s), then go home and go back to work.
If each person contacts a minimum of twenty people, then it will only take three days for most people in the U.S. to receive the message. It’s time!
Pass it on.

[Image description:

Text - (586): Look at my ENTIRE past. Highly public sexual behaviour, gross mismanagement of funds, socially unacceptable and radical speech and thought. Might as well have a blog at this point

Lord Melbourne looks off-camera, his eyebrows slightly furrowed

End of image description]

Another '10 Things' e/R AU
  • We all know ‘Let Me Count the Ways’ by zimriya and I love it a lot, but how about a 10 Things I Hate About You e/R AU where yes, Cosette and Enjolras are siblings and there’s the classic 10 things scenario
  • But Cosette pays Enjolras to get himself a date so she can ask out Marius
  • and she tells him he can use the extra cash to fund his social justice club
  • So first he asks Courf and Ferre  and they’re both really confused like ‘wtf Enj we are literally dating how have you not noticed’ also ‘we are your best friends and we know you only like us platonically where is this coming from’
  • Anyway then he asks Grantaire cuz he’s desperate to help Cosette and he’s fairly certain R will say yes and it doesn’t even cross his mind that that would be cruel cuz ‘wat is romance’
  • But he doesn’t say it’s fake and he’s doing it for Cosette. Nor does Enj tell anyone else he asked R until afterward
  • JBM, Courf and Ferre fucking PISSED and everyone is like ‘fuck it’s too late to tell him tho huh?’ and literally all of les Amis know except R and it hurts man
  • and they’re all like ‘you have to break up with him asap before it gets too much but you have to do it nice’ and Enj is all ‘ya i will i just have to figure out how’
  • So Enjolras starts dating R and it’s weird but also really nice? Because Grantaire is so kind? And cares so much about him? And Enjolras starts getting FEELINGS???
  • And he doesn’t know what to do so he provokes R who takes it way too fucking far and it’s their worst fight ever 
  • So Grantaire makes it up to him by making his favourite cake and a mix CD of songs all covered by him and omg this is the cutest thing Enj has ever seen and boi he is falling FAST
  • And Cosette stops paying him although she still helps the ABC and Enj is happy with R for a short while but super stressed cuz Grantaire CANNOT KNOW how this started
  • So then they go to prom and it’s adorable until Grantaire is getting a snack and Marius comes up all ‘I’m so happy to be here with Cosette. Boy I’m glad she paid Enj to get a date so that we could go out amirite hahaha’ And Grantaire is like ‘sorry what no he failed to mention that little detail’ and storms over to Enjolras like
  • ‘did you ever even like me? or did you just know I’d say yes so it was convenient? were you even planning on telling me?’ and Enj can’t say anything cuz he knows all his answers would be the wrong ones and Enjolras is so upset and angry and frustrated with himself
  • Grantaire is so broken he’s a total fucking mess and what is Enj to do? He’s not good at romance. Not like Grantaire is. But he is good with words so
  • He writes 2 long fucking essays: 1 on how he made shit choices and should have done things differently, and 1 on how amazing Grantaire is and all the things he loves about Grantaire and he confronts Grantaire to give them to him
  • But R is like ‘wtf if you’re going to apologize don’t do it like a fucking coward’ mostly cuz he can’t bear to sit there and read the essays of his own accord but he takes them anyway
  • so Enjolras gives a speech in philosophy (his only class with R) and subtly works in everything Grantaire has taught him, and slips in fab things about R and shit things humans do involving his own mistakes 
  • and Grantaire literally can’t help himself so he goes ‘fuck it’ and marches up to the front of the classroom and lays one on Enj in front of everyone
  • and Enjolras is like ‘i still want you to read the essay i wrote about you’ a few days later and R just laughs cuz he read it about 100 times
  • and there are loads of apologies and Enjolras does this whole super cheesy ‘I believe in a lot but I didn’t believe I could be in love before this whole thing. But now I believe in us. I believe in you’ and Grantaire is like ‘wow you’re such a dork I love you so much’
  • the end