When people talk to you about investing your money they always talk about diversification. Put some money in high-risk stocks and some in medium-risk and some in low-risk. Depending on your age and status alter how much you put in each one to your best benefit. However, EVERY option you have involves the stock market. IRA's, CD's, Money Market Accounts, 401k's -- every one involves the stock market.

If you want to really diversify, you can give me $31.00. My giving plan has zero to do with the stock market. You will never go backward's more than you put in.

Let's say that my giving plan could not last. Let's say that the Giving Pool grew real fast for about, oh, ten years and then it began to collapse. People stopped giving and the Giving Pool ran out.

What would have been the result of that? Well, to start with millions of people would have been receiving extra money each month to help them pay their bills, not the government but PEOPLE. (The government gets plenty of money other ways.) Maybe some of them would have gotten themselves out of debt; paid off their credit cards; bought new cars; put food on the table where they struggled to do that before; paid off their college loans; or done a million other things they didn't have the money to do before.

But the best thing about it would be that no one would have gone into even one cent of debt because of it. The government would not need to come up with a bailout to provide for a $700 billion dollar shortfall in the banking and investment industry. Let's see the economists, or the politicians, come up with a plan like that.

No. You know what they are coming up with? An 800 billion dollar 'stimulus package'. More and more people losing their jobs every day and we are going to need another 800 billion to help us out. Where the heck is that money coming from? How about this: everyone gives $31.00 and the elected government doesn't have to figure out who to tax and who not to. Take all the pressure off the elected government to debate or wheel and deal, or try to make whatever they do look like it is the right thing for us, while we continue to struggle to get by. Democracy takes forever. Giving does not. It could start happening next month while they are still debating if we want it to. Get on my list - see what happens - pass the word.