Publicado en Educación

Seeding the Future

Widespread poverty and malnutrition, an alarming refugee crisis, social unrest, and economic polarization have become our lived reality as the top 1% of the world’s seven-billion-plus population pushes the planet—and all its people—to the social and ecological brink.

In Oneness vs. the 1%, Vandana Shiva takes on the Billionaires Club of Gates, Buffet, and Zuckerberg, as well as other modern empires whose blindness to the rights of people, and to the destructive impact of their construct of linear progress, have wrought havoc across the world.

Basing her analysis on explosive, little-known facts, Shiva exposes the 1%’s model of philanthrocapitalism, which is about deploying unaccountable money to bypass democratic structures, derail diversity, and impose totalitarian ideas based on One Science, One Agriculture, and One History. She calls for the “resurgence of real knowledge, real intelligence, real wealth, real work, real well-being,” so that people can reclaim their right to: Live Free. Think Free. Breathe Free. Eat Free.

The following is an excerpt from Oneness vs. the 1% by Vandana Shiva and Kartikey Shiva. It has been adapted for the web.

Seeding the future when possible extinction stares us in the face, seeding freedom when all freedoms of all beings are being closed for the limitless freedom of the 1% to exploit the earth and people, to manipulate life and our minds, calls for a quantum leap in our imaginations, our intelligences, our capacity for compassion and love, as well as our courage for creative nonviolent resistance and non-cooperation with a system that is driving us to extinction.

city sphere

Our only option is to heal the earth, and in so doing, heal and reclaim our humanity, creating hope for our only future—as one humanity on one planet. Stephen Hawking’s two options— become extinct or escape from planet earth to other planets, are not the only two futures available to humanity.10

There is a third option beyond extinction and escape, the alternative of rejuvenating the earth to be able to continue to live here, in the particular places and the planet we call home. This is our evolutionary challenge. If we awaken to our own intelligence and evolutionary potential, and the intelligence pervading our planet and the universe we do not need to slip into the despair and hopelessness of inevitable extinction, or the hubris of conquest and mastery over other planets.

Elon Musk wants to create a Space X city on Mars: ‘By talking about the Space X Mars architecture, I want to make Mars seem possible—make it seem as though it is something that we can do in our lifetime,’ he writes, adding, ‘There really is a way that anyone could go if they wanted to.’ Musk believes the threshold for a self-sustaining city on Mars would be one million people. Current calculations indicate that it would take between 40 to 100 years ‘to achieve a fully self-sustaining civilization on Mars.11

In less than the one hundred years that the masters of the universe would like one-eighth of the human population to climb into a spaceship and escape to Mars (there is, of course, no mention of the rest of humanity and the rest of species) humanity could regenerate the planet, rejuvenate the earth’s soils, water, biodiversity, bring about a balance between humans, and provide enough food for all.

For Musk, as for Hawking, there are only two fundamental paths for mankind—that we stay on earth forever, eventually succumbing to an extinction event, or to become a ‘space bearing-civilization and a multi-planetary species’. Musk, like How the 1% Subverts Democracy all men suffering from technological hubris, does not seem to understand that being a planetary citizen does not need space travel. It means being concious that we are part of the universe and the earth, and that we need to live in accordance with the laws of the universe, of the earth. The most fundamental law is to recognise that we share the planet with other beings, and that we have a duty to care for our common home.

The physical capacity to organise space flights has already been achieved. We now need to evolve our planetary consciousness as earth citizens. The wider our consciousness, the smaller our ecological footprint. I would translate for the contemporary evolutionary moment Gandhi’s distillation of universal ecological responsibility when he said, ‘The earth provides enough for everyone’s needs, but not for a few people’s greed.’ Today, we need to recognise that the earth provides enough for all beings and their future evolution. Extinction looks inevitable only in a worldview driven by greed, by hubris, by a mechanical, militarised intelligence for conquest. To assume that flying to Mars is equal to creating life on Mars, and building a self-sustaining civilisation there is the leap of hubris and arrogance, ignorance and indifference.

Both Hawking and Musk seem to have ignored the fact that the earth is a self-organised, living planet which creates the conditions for its life and all the species that have evolved on it.

That the earth, and every living being, the tiniest of cells, has the capacity to heal, renew, regenerate.

Hope comes from this potential, from the fact that we share the planet with millions of species. It is irresponsible, immoral, and unethical to think that we can continue to trash the planet and escape to another one, even if it were to become technologically feasible to do so.

Staying home is an ecological imperative, an ethical imperative. It is also a joyful option. It is the practice of Oikonomia as the art of living. It is earth democracy in action, cultivating and expanding the freedoms of all beings.


10 Chris McDermott, ‘Stephen Hawking: We Have 100 Years to Find a New Planet’, Eco Watch. http://www.ecowatch.com/stephen-hawkingbbc-2392439489.html. Published on May 4, 2017; Sarah Knapton, ‘Tomorrow’s World Returns To BBC with Startling Warning from Stephen Hawking–We Must Leave Earth’, The Telegraph. http://www.telegraph.co.uk/science/2017/05/02/tomorrows-world-returns-bbcstartling-warning-stephen-hawking/. Published on May 2, 2017.

11 Hannah Osborne, ‘Elon Musk Reveals Vision for a SpaceX City on Mars’, Newsweek. http://www.newsweek.com/elonmusk-mars-spacex-martiancity-625994. Published on June 15, 2017.

Origen: Seeding the Future

Publicado en Trabajos Desde el Hogar

How To Create Passive Income With No Money

The moment I got out of debt, I began my quest to learn how to create passive income with no money to my name. I started reading every book I could get my hands on and listening to podcasts. I learned that passive income is what sets the wealthy apart from the rest of us.

Warren Buffett said it best when he said, “if you don’t find a way to make money while you sleep you will work until you die.”

Being wealthy is not my primary goal, but I also don’t want to work until I die. I don’t want to rely on my employer for all of my income because they could go out of business, or I could lose my ability to work.

Today, I have created several passive income streams, including real estate, investment income, and my blog, and I earn thousands of dollars per month from my passive income streams.

If your willing to put in the time, as I did, you too can create passive income without much money.

How to Build Passive Income 

When you learn how to generate passive income, you have more financial security than a job alone can provide. If you’re living paycheck to paycheck, like I did, you’re probably wondering how you could ever get started building passive income streams.

Even if you don’t have money to spare, you can still create passive income streams; you’ll have to put more time into doing so. Perhaps you have more money than time, these 13 things that you can do to create multiple income streams might be more helpful.

If you like the idea of creating a passive income, early retirement, building wealth, and having a more secure future, then here are three strategies to consider:

1. Real Estate

Currently, my eight rental properties are one of my best sources of passive income; they provide me with a way to earn extra money every month as well as a portfolio of houses worth over half a million dollars that I accumulated in less than five years.

Real estate is my favorite way to make passive income; once you renovate the house and take the proper steps to find suitable tenants, there isn’t much work to do. If you don’t want to do any work at all, you can hire a property manager.

I bought my first rental property seven years ago after reading a self-improvement book that said to stop telling yourself that you CAN’T do something and instead start asking yourself HOW you can do something, and that’s what I did.

Even though it seemed the odds were against me financially, I was determined to find a way to purchase a rental property. 

I saved some money and borrowed some from my 401K for the down payment, I know the experts say not to touch your retirement money, but I knew I could pay it back quickly once I got the property rented out, and I did.

Lending Options

I made some mistakes in buying the first property, but I learned from them and managed to buy seven more. If you don’t have any money to put down then I suggest getting an FHA or USDA loan and not touching your retirement money, I took a significant risk by doing that.

ou can purchase a multifamily property with low or no money down and have the money that your tenants pay you each month to cover the cost of the mortgage. A multifamily property is a small apartment building with two to four units.

For example, if you buy a duplex with an $800 a month mortgage and live in one unit while renting out the other for $1,000 a month, you make $200 a month.

Once the mortgage is paid off, you would be making $1,000 per month.

There are lending options that don’t require any down payment and some only need a 3.5% down payment.

Agreeing to live in the property for at least a year makes financing easier to obtain.

If you can buy in a rural area, you can get a USDA loan for $0 down.

An FHA loan requires a down payment of only 3.5%, which is still pretty affordable.

If you’re ready to get started, read “An Intro to House Hacking: Here’s How I Get Paid to Live for Free.” You don’t have to pay a real estate guru to learn how to invest in real estate; you can learn everything you need to know for FREE on the Bigger Pocketswebsite. Here is a list of the books that I read before I invested in real estate.

Renting Rooms

Not ready to take that big of a step? Try renting rooms out of your current house with Airbnb. If you already have a home, you can rent part of it out for extra income, and you won’t need any cash, you can start right away.

2. Information

Wondering how to make passive income online? Create an informational product that you can sell, and you’ll have an income-generating asset. You will have to put time into creating the initial product, but you will earn extra money long into the future.

Blog

McKinzie Bean of Moms Make Cents has a free step by step guide to help you start a blog, she even has a free Pinterest class to help you drive traffic to your new blog.

Printables

Calendars, binders, pictures, workbooks, and guides are all things that you can sell online to make passive income. Tracie Fobes, one of my favorite bloggers, has made a fortune selling printables on her site. Tracie guides you through the process with her Easy Printables class.

Ebooks

Amazon Direct Kindle Publishing, or Amazon KDP for short, is a FREE self-publishing service. You write the book and then you can publish it in less than 5 minutes. You control the price of your book and maintain the rights to it.

A step by step guide is available on Amazon’s website to walk you through the process.

Course

Creating online courses is a booming business, according to Global Industry Analysts, Inc. it is expected to reach $240 billion by 2021. Online course platforms like Teachable, Udemy, and Skillshare, make it easier than ever to start.

Affiliate Marketing

If you already have a blog, or you’re thinking about starting one, you can learn how to monetize it here. You can earn passive income from products that you love and endorse at no extra cost to your readers. If you prefer making videos to writing posts, you might want to consider earning affiliate income from a YouTube channel.

3. Investments

One of my best sources of passive income comes from investing in the stock market through index funds. Here is a quote from Investopedia regarding index funds.

“Warren Buffett recommended index funds as a safe haven for retirement. Rather than try to pick out individual stocks, he said it makes more sense for the average investor to buy all of the companies of the S&P 500 at the low cost an index fund offers. Cheap index funds often cost less than a percent, compared to the much higher fees active managers charge. The average index fund will perform well over time, the legendary investor has said, while most active managers will not.”

What Is An Index Fund

An index fund is a group of stocks that are put together to match different components of the stock market.

or example, the top 500 stocks traded on the New York Stock Exchange are referred to as the S&P 500.

The Dow Jones Industrial Average is a collection of 30 stocks picked by the editors of the Wall Street Journal to represent the American economy.

An index fund is similar to a mutual fund in the sense that they are both individual stocks grouped together. Mutual funds have an active manager that decides when to buy and sell shares in the fund. Index funds follow a collection of stocks, like the S&P 500, therefore eliminating the cost and risk associated with a fund manager.

The S&P 500 has averaged a 10.35% return between the years of 1985 and 2015, according to The Motley Fool.

Expenses

Index funds can be bought without paying a commission and taxes are usually low on the capital gains.

Where To Buy Index Funds

Investing in mutual funds is easy, all you need to do is set up an account with an online broker. Stocks are one of the best things you can buy to make money.

Charles Schwab

According to The Motley Fool, The Schwab Total Stock Market Index Fund(NASDAQMUTFUND: SWTSX) is one of the least expensive funds. You pay just $3 per year for every $10,000 you invest in the fund. You can start at $1, and there are no investment requirements. 

Vanguard

The minimum investment is $3,000 unless you commit to a monthly investment of $100.

Fidelity

You need $2,500 or a $100 a month commitment to investing here.

Other Brokers

Other online brokers include E-Trade,T.Rowe Price, TD Ameritrade, and Ally Invest.

The minimum amount that you need to open an account varies, so you need to check the requirements for each broker. You can learn more about how to invest in index funds and find step by step instructions here.

What are your best sources of passive income? Let me know how you’re generating passive income in the comments below.

Origen: How To Create Passive Income With No Money

Publicado en Trabajos Desde el Hogar

How to Avoid Work-From-Home Scams

Want to get paid handsomely while being your own boss? Rake in thousands of dollars each week? You don’t even need any skills, and won’t even have to leave your home! If it sounds too good to be true, then it probably is.

Plenty of people are still out of work and looking for ways to earn money, ideally from their own homes, due to the ongoing pandemic. And data from the Federal Trade Commission (FTC) suggests that work-from-home scams, which really took off at the start of the pandemic early in 2020, are still a cause for concern. In fact, the FTC reportedlyreceived nearly 60,000 fraudulent job complaints in 2020. That’s more than twice as many as in 2019, with a median loss to consumers of approximately $2,000.

“We’ve seen a rise in reports of work from home scams during the pandemic,” says Chris Parker, host of the Easy Prey Podcast, and founder of WhatIsMyIPAddress.com, who is based in Tustin, California. ”These scams are particularly attractive with people out of work, and companies trying to keep distance between their employees.” 


To avoid getting swindled by a fake work-from-home gig, be on the lookout for these common scams.

Cashing checks, mystery shopping, and more

Stuffing envelopes. It may sound easy, because you don’t need to have skills, know-how, or special equipment to get started. You’ll be promised extra income quickly. The catch? You’ll usually owe a fee for supplies to get started. 


Starting your own business. Examples might include a coaching program that tells you to follow a proven or low-cost system that requires a fee, and personal information, to get started. Another common business hustle is for medical billing, a profession that takes some level of skill. Fraudsters might claim that no experience is necessary, and charge a fee to set you up with fake client lists and software, according to the FTC.

Mystery shopper and order fulfillment scam. The scammer provides details about becoming  a secret shopper, or doing order fulfillment from your home. Both involve  placing orders online using your own credit cards. Fraudsters will then steal the money, and your personal information. The scammer will promise to reimburse you, which isn’t likely to happen, Parker says. 

Fraudsters may also provide stolen credit card information for you to use. “When the credit card details are provided by the scammer, the person is participating in the fraud by making purchases using stolen credit cards,” says Parker.

Payment processing. A scammer might ask you to deposit checks, money orders, or wire transfers into your own bank account, and then send the funds on to someone you don’t know, says Parker. You might be offered a commission in exchange, but the money may be stolen, and the check may bounce, putting you on the hook for fees. 

Online surveys. You may be asked to complete hundreds of surveys with the promise of payment later on. However, it may be just a way for the scammer to steal personal information, or sell it to affiliate marketers, Parker says.

Tips for spotting WFH scams

While it’s not always easy to spot a scam, the American Association of Retired Persons (AARP) and the FTC offer several warning signs.



Tone of urgency. Some scams, particularly phishing attacks, might urge you to act quickly, and  may tap into common marketing techniques. For instance, a job opportunity may be advertised as a limited time offer, or may encourage you to act quickly, or else lose out on a deep discount.

Paying a fee. Before you can take advantage of a work-from-home opportunity, scammers may ask you to sign up for a membership, or pay for initial training, supplies, or products. 

Additionally, you may get an unsolicited email, text, or call offering you work. Be on the lookout for texts with spelling mistakes. The job opportunity may also skip the standard application and interview process. “Job seekers should be suspicious when the compensation doesn’t match the experience required for the job,” Parker says.

Steps to Safeguard Yourself 


Here are some suggestions for determining whether people or companies offering you work are legitimate.


Check websites and social media. A lack of social media accounts, dormant social media accounts, or accounts that are only a few weeks or months old may be a cause for concern, Parker says. 


Look up physical addresses on a map. If your potential WFH employer has no physical location, it could be a red flag.

Check review sites. Sites such as Better Business Bureau, a nonprofit that helps consumers verify the trustworthiness of businesses, and Trustpilot, a consumer review site of businesses can help you understand who you’re dealing with. 


Practice security hygiene. Take simple steps, like making sure passwords are unique by using alphanumeric and upper and lower case letters for added strength, says Kelvin Coleman, executive director of the National Cyber Security Alliance (NCSA) in Washington, D.C. Additionally, make sure software is up to date, and consider going the extra mile by installing anti-virus software. 

Take a step back. If something seems fishy, then pause and do some further investigating, says Parker. “Job seekers should always do their own leg work to make sure that any company offering them a job is real,” he adds.


Contact authorities. If you think you’ve been phished or scammed, you can file a report on the FTC’s IdentityTheft.gov site. Once you submit a report, you’ll receive a recovery plan targeted to different scenarios related to stolen personal information. 

Each state also has its own state consumer protection office that may be able to assist you. 

Especially as the pandemic continues and many people are under financial pressure, “it’s important to stay vigilant when it comes to suspicious activity,” says Coleman. “The main piece of advice remote workers should follow is to think before you click and stay alert at all times.”

Origen: How to Avoid Work-From-Home Scams