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When Pat gets old he can retire comfortably and leave his widow comfortable as well, again was this because of savings, no; Pat got a company pension (inflation adjusted) and health care for the rest of his life with right of survivorship. All of this sounds great, but it wasn’t real; it was all a result of America ability to overcharge the world for capital goods; the costs of all these benefits were passed on to the rest of the world in higher priced capital good and dollar inflation. These programs allowed people to live middle class lives they never earned and could never keep (absent the programs). In fact, by 1970 it cost an American producer more in labor cost per ton of steel than what he could get for it on the world market. The fantasy world America has built post-World War 2 has been falling apart since the 1980s and the last leg, the dollars reserve currency status, is about to go. The disappearance of the American Dream is simply America reverting back to where its populations core values and behavior patterns would naturally take it.

The American Dream is rapidly fading because it was never real or at least never genuinely earned by Americans. When I speak of the “Middle Class”, I don’t simply mean possessing a middle class income, but rather having middle class patterns of behavior and world views. To be middle class is to be future time preference oriented; to accept short term pain for long term gain; to always be looking to get ahead and to plan ahead. Simply put, to be middle class is to consume less than what you produce, reinvesting the excess to produce more in the future.

America was the only large industrial power left standing after World War 2 and because it could charge the rest of the world what it wanted for capital goods, it could extract “rents” to support the fantasy of the American Dream. Consider the 1950s, the beginning of universal White middle-classdom and take a typical Irish guy; Pat. Pat grew up in an ethnic Irish slum like his father and grandfather, but he now can afford to buy a house; is it because he diligently saved his money and stayed focused, no; it is because he can get a VA loan or an FHA loan with no money down and easy payments. Pat dropped out of school at 16 and is not too interested in expanding his skills, is he on the streets, no; because of unions he can get an assembly line job. Moreover, because the NLR act effectively unionized every major industrial company and industry, Pat can look forward to annual raises (regardless of productivity) for his entire working life. When his children are old enough, Pat can afford to send them to college, is it because he saved before each child was born and spaced his children accordingly, no; they can get government loans , grants, and go to a subsides state college. When Pats parents get old they are not a burden, is it because they learned middleclass values and started to save, no; his parents rely on social security and Medicare (after 1965).

Europe is on the verge of a complete and total economic collapse...why?...because for decades their government has used force to take money from those who work hard and then give that money to those who don't work hard.

The capitalist equivalent of a socialist revolution is a Great Depression that wipes out the value of the paper assets the wealthy had accumulated, leaving the government to reallocate the real assets more equally. We almost had this happen in 2008, but the 1 percent blackmailed the rest with fear of collateral damage.

Money is like fire - it can warm you and keep you safe, or it can burn you.

Remember, it's possible to work toward your mission and make a fair profit, no matter if you are a non-profit or for-profit.

Signaling Michael Spence originally proposed the idea of signaling. He proposed that in a situation with information asymmetry, it is possible for people to signal their type, thus believably transferring information to the other party and resolving the asymmetry.

This idea was originally studied in the context of looking for a job. An employer is interested in hiring a new employee who is "skilled in learning." Of course, all prospective employees will claim to be "skilled at learning", but only they know if they really are. This is an information asymmetry. Skill in learning is malleable, and depends upon many factors, including diet, exercise and money. Spence proposes, for example, that going to college can function as a credible signal of an ability to learn. Assuming that people who are skilled in learning can finish college more easily than people who are unskilled, then by finishing college the skilled people signal their skill to prospective employers. No matter how much or how little they may have learned in college, finishing functions as a signal of their capacity for learning. However, finishing college may merely function as a signal of their ability to pay for college, it may signal the willingness of individuals to adhere to orthodox views, or it may signal a willingness to comply with authority.

Screening Joseph E. Stiglitz pioneered the theory of screening. In this way the underinformed party can induce the other party to reveal their information. They can provide a menu of choices in such a way that the choice depends on the private information of the other party. Examples of situations where the seller usually has better information than the buyer are numerous but include used-car salespeople, mortgage brokers and loan originators, stockbrokers and real estate agents.

Examples of situations where the buyer usually has better information than the seller include estate sales as specified in a last will and testament, life insurance, or sales of old art pieces without prior professional assessment of their value.

Because of information asymmetry, unscrupulous sellers can "spoof" items (like replica goods such as watches) and defraud the buyer. As a result, many people not willing to risk getting ripped off will avoid certain types of purchases, or will not spend as much for a given item. It is even possible for the market to decay to the point of nonexistence.

2. Mother-in-law’s Tongue (Sansevieria trifasciata)Converts CO2 into O2 at nightOne requires about 6-8 such waist high plants per person in the bedroomLeaves need to be wiped in the same way as the Areca PalmThe soil used should be of vermi manure or use hydroponics

3. Money Plant (Epipremnum aureum)Excellent for removing Formaldehyde and other VOC’sBest grown using hydroponic

The refrigerator is the mortal enemy of your coffee. Taking coffee in and out of the fridge is a sure way to suck the flavor right out of it. Coffee that will be used frequently and immediately—whole bean or ground— is ideally stored in an air tight, opaque,and glass or otherwise inert container.

The more you can do to preserve the integrity of the beans and the delightful flavor inside right up until the moment of brewing, the better the coffee will be. Keeping the beans intact for as long as possible helps immensely. If possible where you live, try to buy locally roasted beans to benefit from the freshness. Barring that, buying whole bean coffee is vastly superior to buying pre-ground coffee.

Storing an unsealed container of grounds or beans in the cold temperatures of either the fridge or freezer is a sure way to accelerate the its journey from delicious flavor to stale bitterness.

Using a French press is one of the simplest methods of brewing a fantastic cup of coffee. A French press is a glass cylinder that has a lid with a piston style rod attached to a circular screen. Grind your coffee, put a few heaping scoops in the bottom, pour nearly boiling water over the grounds, wait about four minutes, press the plunger down to push the grounds down and enjoy some delicious coffee. One of the primary benefits of making coffee in a French press over a standard drip pot is that more of the coffee oils end up in your cup instead of in the machine's filter. More oils means better taste!

While it might not be practical to install a reverse osmosis filter under your sink, the more pure the water you use for your coffee the better it will taste. A gallon of locally distilled water costs less than a dollar in most places and many supermarkets have cheap refills available—my local market has a machine that will refill a gallon jug for 35 cents. Even if you—for environmental or financial reasons—don't want to spend money on filtered or bottled water for your coffee you can still tweak your water. Fill up a pitcher of water the night before and set it out on the counter. While it's not the same as being filtered through the stony depths of a mountain aquifer it will allow some chemicals in the water like chlorine to dissipate.