It has been observed that an inadequate understanding of the fundamental difference between aesthetics and ethics brings about an inevitable collapse of cultures. This ignorance, in part, has been forced upon the general Western populace through an illogical mixture of religious and politically organised core curriculum studies that dominate the philosophies of Western scientific culture. Spin doctoring to present illogical aesthetics as passionately held ethical beliefs, brings about an unsustainable concept of the living process, leading to social disintegration.

Because of this problem, the fate of global civilisation now hangs in the balance. Although the difference between aesthetics and ethics is now measurable, the present panic obsession with failing global economic rationalism prevents genuine investigation on this issue. However, the newly emerging chemistry of quantum biology as a medical science, is revealing the nature of the technologies needed for the healthy or ethical betterment of the global human condition.

Quantum mechanics includes the property called ‘Observer Participancy’. It is necessary for someone looking through a powerful microscope at a very small part of the fabric of the material universe to use light in order to see it. Because the light can alter the structure of the small fabric being looked at, the observer is considered to be participating in the structure of the universe. Quantum biology is about how the energies of the material universe entangle with the optics of Plato’s spiritual, or holographic reality in order for creative consciousness to evolve.

It is quite acceptable to associate ethics with this process of evolving consciousness. That idea was basic to the ancient Greek life-science called the ‘Science for Ethical Ends’, which was also associated with the 3rd Century BCE Greek ‘Science of universal Love’. Recently, a new chemistry of life was discovered, which its three Nobel laureates in Chemistry discoverers refer to as Fullerene Chemistry. Pagan Platonic ethical science is now fundamental to the discovery of their new medical science, because Buckminster Fuller derived his life-science engineering principles from it.

Harvard University’s Novatis Professor, Amy Edmonson, in her online book titled ‘A Fuller Explanation-The Synergetic Geometry of R. Buckminster Fuller’, published in 1987, explains that Fullerene chemistry is directly associated with Platonic ethics. On page 36 of her book, Professor Edmonson writes that Fuller derived his human survival mathematics from ancient Greece. On the following page is a subtitle, ‘Plato’s Discovery’ in which the ancient mathematics used by Fuller are presented in detail.

The foundation of Western culture’s ethical disposition was constructed upon the aesthetics postulated by Immanuel Kant. This can no longer be considered to be a logical concept. Several independent corrections to Kant’s logic have taken place, in which the upgrading of his ‘Aesthetics’ resulted in quantum mechanics being advanced into the quantum biology. One of the scientists who pioneered this process was the 19th Century mathematician Bernard Bolzano, considered to be one of the world’s greatest logicians.

Edmund Husserl, in his ‘Prolegomena to a pure logic’ in 1900, was familiar with Bolzano’s ‘Theory of science’, which was a correction to Kant’s ‘Aesthetics’. Bolzano’s logic led to the discovery of fractal logic ethics. The people who helped to frame 20th Century science such as Benoit Mandelbrot, Bertrand Russell and Albert Einstein were quite unable to grasp Bolzano’s genius understanding about fractal ethics. Now that Bolzano’s logic is an integral part of the now accepted universal Platonic-Fullerene holographic reality, the nature of incredible new human survival technologies have become obvious.

In 1972 Dr Candace Pert discovered the Molecule of Emotion, from which the nature of the entanglement of the material universe with the spiritual holographic reality can be readily deduced. The original Western life-science was correct, ethics belongs as a force to generate healthy biological growth and development through space-time. Proof of this fact was discovered during the 1980s by the science-Art Centre in Australia. Its discovery of a life-force governing optimum biological growth and development through space-time was reprinted in 1990 from the 20th Century World literature by the world’s largest technological research institute, IEEE Milestone Series in Washington. Immanuel Kant’s ‘Aesthetics’ can only generate ethical intuitions that provide inspiration to make practical use of ethical information, generated through evolving space-time,for the betterment of the human condition.

It is now possible to realise how aesthetics can be used to create cultural chaos. For example, the aesthetics of Thanksgiving Day when families come together to celebrate family life, is an accepted inspirational concept. However, thanking a God for receiving food, when millions of inarticulate children throughout the world are starving, implies a rather unethical understanding of the Classical Greek science of universal love.

Religious politicians use aesthetic spin doctoring in order to claim that their aesthetic reasoning is the basis of fundamental ethical knowledge. An example of this is Cambridge University’s continual reprinting since 1932 of the philosopher, F M Cornford’s, essay, titled ‘Before and after Socrates’, in which Plato is considered to be one of the greatest fathers of the church. That concept remained in use as prescribed core curriculum student studies throughout the world up until the present time. It is unethical nonsense, because Platonic mathematics was outlawed by the Church, as the work of the Devil, under the governorship of Pope Cyril of Alexandria in 415, and that has never been repealed.

Copyright © Professor Robert Pope 2011

The worst leaderships in Africa obtain 98% of votes as they are known to rig elections and render the dreams of change unattainable. People in Uganda, like many African countries need power that is translated from them to those become symbols of their power.

There is need to transform society from one that is abused by leaders to one that demands basic human rights and accountability. To achieve these civil society organizations and private individuals need to invest resources in civic action education countrywide, so that the population can be enlightened, and useful to themselves and the country.

By exploring more the heights in the discipline of peace and security, one attains a firm ground for not only local consulting works but global -as well in different aspects of achieving peace. Besides, with a MA in International Peace and Security Studies one can have much credibility in practices and works in aspects of peace studies and promotions.

With it, also, candidates will be in position to invent systems for socioeconomic, spiritual, cultural and political structural transformation towards a better world for everyone to live in. That shall be strengthened by an establishment of a global foundation for human and ecological wellbeing to monitor such progress.

Issues of peace and security in Africa are a robust requirement; unfortunately, we have very far professional experts in peace and security development. Lack of human resource necessary to avert conflict and redefine security in line with contemporary challenges remains a challenge -which by me adding to the existing numbers of peace experts in Africa, will be able to fill the void not only for the good of the greats lakes region but the world at large.

This year a peace and security study constitutes my current graduate program (peace and conflict studies) as a course-unit. This now gives me an opportunity to join King’s College, London to explore much aspects of security critical to my country’s needs and that of the region. Security issues are indeed very relevant to African context -where almost military approach is 100% the means of changing leadership and transforming society while security is ‘understood as possessions of arms to oppress nations as state legitimacy.’

These are critical issues one might love to see addressed -through redefinition of the state as legitimate instrument with the sole ownership of the means of violence. We need to begin looking at environmental security -from which life systems are sustained; food security, health security, education security, employment security, and revenue security dimensions -here their mismanagement can cause worst violence compared to one the state would if it failed to grasp different aspects of insecurity. Peace and development studies will help advance these notions forward for policy conceptualization, analysis, development and implementation.

Peace and security studies gives the depth of security content as pathway to peace beyond the current position where in the general studies of peace and conflict studies it is undertaken as a four months course unit. Delving greater into it obvious increases more understanding and relevant of peace studies with an African perspective with the biggest burden of primary security concerns as economic insecurity (poverty), educational insecurities and health insecurities.

By developing my peace and security mental faculty, I will be in position to argue out my cases right from an expert view point in my advocacy work, journaling moments and in an expert’s future dispensation of services in conflict management.

And coming from background of community mental health, at any level and situations a feeling of security and in control is vital for sanity to prevail among individuals -an element I could add on the discipline. Lack of control and feeling of insecurity within individuals is regulated by most African states to render citizens ‘governable’ -only dependent on the state for survival -a point where the state will be supported to reign and continue ‘helping’ those people to survive.

The growing rise of educated Africans and elitism demand operational democracy: not just theories and their manipulations by African prototype governance systems. The sense of security and certainty of the future is thus deem as security focus remains control of the wealth of those of have away from those who do not have. Under such circumstances revolutions will be part and parcel of the search for security and peace -united.

At any level security and peace must be sought through action when entire population is let to know and practice their rights -which on the other hand compel governments to act responsibly. The people must give direction to myopic leaders as a means to achieve security and peace.

African universities need to invest much in them as change agents that will transform Africa from the field of battles, disease, ignorance, manipulation, docility, intimidation and deaths from liberation struggles -to a prosperous yet secure and harmonious continent.

In achieving that harmony peace and security experts will be in position to successfully study the cracks in foreign affairs responsible for the insecurities in Africa, or any other angle the will be explored and blocked from causing regional and global catastrophes. They can be such challenges as global warming, war economy or unfair global economic policies, gender concerns during conflict times, unfair diplomatic underplays and selfish foreign policies.

Peace and security studies will help us dig deep in the various forms of insecurity that take toll on individuals and soon affect families, nation, regions and the world. In the same way it will help the state identify and understand the primary insecurities -both perceived and manifested ones that will cost it a fortune once it fails to deliver people expectations.

Once people and the state are made aware of the real legitimacy of citizenship and leadership, then civility in both will reign. Because the gun has been tested and nullified as a means to achieve security beyond the people power; peace and security studies help to elevate that understanding for which the state could invest in most.

If you’re thinking of growing your business (or increasing its revenue), focus on your business structure first. I’m not referring to your internal business organization (e.g., marketing, sales, administration, development, customer service, etc.) – I’m referring to your external business conversations.

Businesses converse with (at most) five different target groups, each of whom have different needs:

• customers (people who give you money in exchange for your offering)
• investors (people who give you money in exchange for ownership)
• the public (teaching people about your offering – but not with the primary goal of turning them into customers – perhaps to share information to make their lives better)
• advocates (try to affect rules and regulations in society)
• prospective employees (are people who want to give you their time and knowledge in exchange for a salary)

You need to market your company to each of these groups differently, because each group has different needs/concerns.

• customers want to know why they should buy from you. What specific problems do they have that you can solve?
• investors (or donors, for non-profit businesses) want to know how their money will help your business and how will they benefit.
• the public want to know why they should trust your information and how it will make their lives better.
• advocates want to know what in society should change, why, and who will benefit (and who won’t).
• prospective employeeswant to know that your business is healthy, their contributions will be valued, and that your company values are in alignment with their personal values.

Before trying to grow your business, make sure you send the right message, to the right group of people, at the right time.

What Is A Memorandum Or Memo?

A memorandum or memo for short is commonly understood to be an official document originating from an office. There are various types of memos. For example, in a business environment, the Memorandum of Understanding (MOU) and Memorandum of Association (MOA), are common. A memorandum is written to communicate or convey a brief message on a given subject or topic. Apart from specific memos, two of which have been cited earlier, a memorandum is usually not more than one page.

Notes On Writing A Memorandum

• A memorandum is generally made up of three parts. These being: Introduction, Body and Conclusion. Many office memos come in a standard and pre-approved format. The headings in a standard format are: To, From, Date, Subject and Reference. The memo may be addressed to an individual or a group of individuals. They are usually addressed by position or designation. Including a name and title if it is addressed to an individual is an accepted practice.
• Below the headings are the introduction, body and conclusion. In the introduction, the purpose or why the memo is being written and what would be focus of attention would be explained. The body will provide details of the subject such as what is the issue, what are the implications and other considerations including options. The conclusion will state what needs to be done, by whom and when.
• The memo needs be brief, to the point and clear. The general rule is one idea or issue per memo. If many ideas or issues need to be communicated, it would be better to call for a meeting or discussion. The target audience must be kept in sight. Key questions such as why the memo is being written, what needs to be conveyed and what is the expected outcome must be constantly kept in mind. This must be done before writing the memo, while it is being written and after it is completed.
• Be economical with words. Use simple language. Use the active voice. Use active verbs. The reader wants to read the document and move on to what needs to be done. Use the correct titles before the name such as Mr., Mrs., Ms., and so on.

Editing The Memorandum

After completing the memo, review it for accuracy, brevity and clarity. Read it out and check how it sounds or comes through. Check details such as date and address. These are important for ensuring that the message is delivered to the correct target audience and quickly. Additionally, it makes document control easier. Do not overlook the importance of correct spelling and grammar.

Since, for most of us, the value of our home, is our single – biggest, financial asset, doesn’t it make sense, to do, everything, possible, to proceed forward, in the wisest possible manner, using the best, decision – making processes, and steps? Before, one begins, what is referred to, as house – hunting, he should, be, as prepared, and knowledgable, as possible, and give himself, a thorough, check – up, from the neck – up, to ensure, he balances, his emotional and logical considerations, in a head/ heart balance! With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 key factors, which must become a component, in that process.

1. Your personal intentions: What are your intentions, for this property? Do you intend, to remain there, in the longer – term, or do you envision, it being, somewhat, of a short – term, starter home? Why are you choosing this particular property, instead of some of the competition? Why do you believe, it might, fulfill the combination of your wishes, needs, and personal vision? Will you be honest, with yourself, understanding both your individual strengths, and weaknesses, in moving forward?

2. Personal finances: How secure, do you feel, about your personal finances? Have you secured, sufficient financial reserves, to proceed, with far less stress, and tension? Will you be able to enjoy this residence, without undue stress, strains, and unnecessary tensions, and anxieties?

3. Your individual priorities? Why do you consider, certain things, to be priorities, and others, less essential, for you, personally? Why do you want to become a homeowner? How will it make your life, more fulfilling, or will it, actually? Are you able, to do, what you feel, you want, and need, rather than trying to fit – in, with the crowd, etc?

4. Job/ financial security: How secure do you feel, about your job, and future, financial security? Will buying a house, at some price level, become a stress, rather than a joy? Will you have the discipline, and commitment, to consistently, put away funds, every month, for contingencies, reserves, etc?

5. Your perceptions: It’s a matter of mind, over matter. If you don’t have a mind, it doesn’t matter. These famous words, from Groucho Marx, reminds us, our perceptions, and beliefs, are personal, and it’s up, to each of us, to handle life’s obstacles, either, as a problem, or a challenge, to overcome! Henry Ford is credited with saying, You can believe you can, or can’t. Either way, you’ll be correct. Are you prepared, emotionally, to own a home, of your own?

Will you make your decisions, about, home – buying, in a wise, personally fulfilling manner? Are you ready to be, up, to the task?

IIT JEE is one of the most prestigious and most difficult Engineering entrance examination all over India. Students from all over the country are appearing for IIT-entrance test to brighten their future.

Policy to be adopted:

The students need to set their goal at the IIT and not wither from it – under any circumstances. This policy will certainly make you achieve your goal without fail. Students need to block their mindset for this goal only. This will help them in getting over all the difficulties with ease. The students should not allow any external thoughts to concentrate best.

Methodology of preparation:

Only serious and studious students should dream of IIT. The entrance test is very different from all other entrance test and need thorough understanding of three subjects – namely Physics, Chemistry and Mathematics. Students have to prepare well for their board exam also. The thorough preparation will come only through complete devotion to the studies devoid of distractions.

Regularity in preparations:

IIT JEE consists of thorough understanding of the extensive course material so as to achieve the desired goal. Preparations are held through regularity in your work and keeping oneself updated. The preparations start just after the X-Boards. Starting early gives leverage upon others and helps in concentrating better. The early-start is always better and prepares the student to learn lessons well. Early foundation cultivates better seedling and makes the student superior over others.

Prepare hard:

When a student opts for IIT, then it is evident that he-she is supposed to study hard to achieve the desired goal. The low ranking students do not get the desired field for studies, so the student needs to rank high to achieve the desired Engineering field also. All this needs thorough concentration and thorough understanding of the subject. The student should study hard, concentrate on the subject and let not external factors deter his/her goal. This will help him-her all through the preparations and make the student get what he/she wants.

IIT JEE should be dealt with extreme concentration, absolute hard-work, and thorough understanding of the desired subjects to achieve the goal easily. Student need to prepare for two long years for one-day exam.

When a person looks into the opportunities surrounding the foreign money exchange, it is normally possible to see a clear distinction behind people who achieve financial success and those who are struggling with their investment possibilities. Several relate this separation in success as a result of the randomness of the foreign money exchange, though when you really evaluate the situation it’ll reveal that the separation is because of a split in education.

Any individual that doesn’t have extensive experience or knowledge regarding the foreign money exchange will find it extremely hard to find success with this investment opportunity. Not just must you have an understanding associated with the various currency of the global community but you must even be aware of how those currencies interact.

Instead of applying a hopeful attitude regarding your financial investments, an individual would discover great opportunities when they take the time to learn to trade. When you learn to trade you’re making investments in the greatest tool to help your efforts in achieving financial success. With these lessons you will first discover a greater understanding of how the global economies interact with each other and how they affect one another.

You’ll then develop the knowledge which will aid you in identifying prospective investment opportunities which you could possibly profit from when they are invested in appropriately. Having the knowledge of when is the right time to purchase and sell represents a fundamental skill in investing and this can be achieved when you take the time and learn to trade.

You’ll be able to excel in any trading environment and expand your investment opportunities when you learn to trade. Though, when you’re looking to truly excel in a targeted market, its vital to discover a resource that would help you in achieving significant financial gain.

A Forex course represents a target specific training opportunity which will supply you with the education you will require to succeed specifically in the foreign money exchange. Through the Forex course you will learn of market signs regarding potential value changes in foreign currency and discover the unique circumstances which can help you in discovering real financial opportunities.

The fundamental desire of anyone who is investing in the foreign money exchange is the pursuit of profit. With this representing the primary goal of every investor it would make sense that you must pursue a chance which creates an advantage of success in the turbulent market of foreign money exchange.

The clauses that are related to limitations and exclusions may seem complicated at first but it is crucial to understand these before signing up. There could be some exclusions and limitations that may not affect you or your family at all while some may be important depending on your health history and hereditary family history. So while what is excluded for one person may not make a difference, it might make a huge impact for another. That is why it is important to understand what these are and how they impact and relate to you as an individual and to your family in general.

Exclusions are those conditions or expenses that are not covered by the insurance company. In such cases, the claimant will have to share a pre-specified portion of the expenses in the claim if it should ever arise. Some insurance companies will also impose a sub limit that is within the sum insured overall. Exclusions are those expenses that the insurance company need not pay for. The IRDA has standardized this with a list of expenses. There are also different waiting periods for different conditions.

One of the common exclusions for health insurance are pre-existing diseases. This is because the entire premise of insurance is based on uncertainty so if there is a disease that you are already suffering from, it will not come under the insurance. Usually, you can get insurance companies to cover you for a pre-existing disease after a specified waiting period is over.

Another thing that is excluded is pregnancy and expenses related to childbirth and later vaccinations. There could be a waiting period for pregnancy as well, after which there are some benefits that could be availed. Other things that are excluded from a health insurance policy are cosmetic surgeries, dental surgeries, alternative treatments such as Ayurveda and homeopathy, etc.

Sub-limits are another factor which should be carefully looked into at the outset before investing in an insurance policy. A sub-limit is related to exclusions that are associated with doctors’ fees, ambulance costs, rent for hospital rooms, etc. Knowing your sub limits keeps you prepared in case of an emergency so you know exactly what will be covered and what you will have to pay for out of your own pocket.

There are policies which seem to have a whole list of exclusions and sub-limits and there are those that have a moderate amount of them. So knowing what is excluded and what is not will help you make a better decision regarding which health insurance to choose. This can be done easily by doing a systematic and meticulous comparison of health insurance policies taken from different websites or from the agents directly. Knowledge is power and knowing this beforehand helps you in better planning your future and that of your family.

FAP Turbo is one of the few trading robots that specialize on PIP gains. The three letter acronym means a lot to professional traders, because it is the term that determine the amount of profit they have made from a previous trade. If you really want to be a successful trader, you need to be familiar with this term because it will help you maximize the potential of FAP Turbo trading robot.

FAP is well-known for its ability to deliver several small PIP gains during market off-sessions. This helps its users to have more profits and possibly double the investment in a short period of time. PIP is an acronym that stands for Point in Percentage and it is the smallest unit in every trading currencies. FAP Turbo uses the feature called Scalper that allows it to scalp in several small PIP counts. The Scalper automatically starts when the robot detects that an off-session is starting. This feature aims for small trades, which are far more predictable and has more potential to deliver profits compared to large scale trades.

Aside from this feature, FAP also has a long-term plan, which is much like the Scalper. The only difference is that the robot will help its position until it receives at least 150 PIP gains. Both can deliver great results, and choosing the best plan for your trades depends on your trading style. All you have to do is decide what strategy to use, and configure the robot in order to follow this strategy.

When you are using FAP Turbo, choose whether you prefer to have several 10 PIP gains or a one 150 PIP gains. Both strategies have their own advantages and disadvantages. All you have to do is to choose the best one that matches your trading style. This is the easiest way to succeed in Forex trading using FAP Turbo automated trading robot.

This tax season, several new clients came to me with unfortunate Roth IRA problems.

They were misled to think that such an IRA was beneficial for their situation. They mistakenly contributed to an after-tax Roth plan, and lost thousands of dollars, even tens of thousands of dollars in otherwise possible tax deductions.

A traditional pre-tax retirement plan allows most taxpayers to deduct their contribution to the plan. This delays taxes until retirement and the taxpayer is only taxed on the actual retirement distribution, so if the money were lost due to poor investment decisions there would be no taxes. This traditional pre-tax plan is what most taxpayers want. It is ideal for most W2 wage earners.

Delaying taxes with a traditional pre-tax plan has advantages besides more money now! Many things might happen between now and retirement that result in less taxes or no taxes being paid!

If the taxpayer ever has a low-income year they can do a Roth conversion with little or no tax. The investment may be lost, in which case there is no tax. The taxpayer might die, in which case they did not have to pay tax during their life. And the tax rules might change, am emergency such as Covid-19 might allow early withdrawal of retirement funds.

The amounts involved can be large. If the employer offers a traditional pre-tax 401k, contribution limits are even higher than with an IRA. A self-employed person can create and fund a pre-tax SEP plan with even higher contribution limits. And if the only employees are the owner and spouse then a pre-tax Solo 401k allows much higher contribution limits with contributions by both the individual and by the business.

An after-tax Roth retirement plan does the opposite! It accelerates taxable income that would otherwise not be paid until distributing the funds after retirement! It asks tax authorities to “please tax me now!”

Accelerating taxes that would otherwise be paid in the distant future is almost never wise!

So why on earth would anyone ever choose an after-tax Roth retirement plan or a Roth conversion (of funds in a traditional pre-tax plan)?

Well if one has a very bad year with no employment and lots of losses, due to Covid-19 or otherwise, taxable income might be low, zero or negative. In a situation like this it makes sense to accelerate future income that would eventually be taxed at a higher rate into the low-income current year when the tax bracket is low.

The problem in that situation is the taxpayer often thinks “I did so badly so I don’t need to file taxes” and they never bother meeting a tax planner to talk about this and to meet the December 31 deadline for a Roth conversion. By the time they come in to my office it is too late.

Some real estate investors show a negative income due to depreciation tax shields or otherwise, and benefit by accelerating future income into current loss years.

People who are not allowed to deduct a contribution to a traditional plan might prefer to instead contribute to an after-tax plan if allowed, since there is no current deduction anyway.

And people within a year or two of retirement may prefer to contribute to a Roth plan that has no eventual required minimum distributions.

There are other subtle differences between a traditional and Roth plan.

Yet in my experience, less than 1% of my clients actually would benefit from a Roth. The much more common mistake is to choose a Roth plan without fully understanding the tax costs.

So consider meeting a tax professional before year-end, particularly during bad years when tax harvesting of losses can help turn lemons into tax lemonade. If your friends or family are doing badly or are closing a businesses ask them if they have met with a tax professional before year-end.

And don’t make the all too common mistake of choosing an after tax Roth retirement plan before first having a conversation with your tax professional to be sure it really benefits your situation!