Scientists Are Asking "Can You Hear Me Now?"

by Francis P. Koster, Ed.D.

When we think and our responsibility to our kids and grandkids to try to protect them from the many potentially harmful changes in our physical world, the people who we look to for accurate information are highly trained scientists.   They are the experts in topics like cancer or heart disease or chemicals in the drinking water, or the rising rate of autism.

In America, there is one issue where what scientists think does not count much with the general public – climate change and its cousin, global warming.   The United States has a significantly smaller percent of its population convinced that climate change is real than virtually all of the other…

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The Cost of Morality and Mortality

by Francis P. Koster, Ed.D.

Think about how much you would be willing to pay for a lifejacket of your very own as you and your child board the fishing boat. How much? How much you would be willing to pay for one for yourself when the boat is sinking? For your child as the boat is sinking? I bet you got 3 different numbers. You recognized real value.

There are times when you are willing to pay almost anything to avoid catastrophe - but that is when it is staring you in the face, not when the danger seems remote.

Scientists believe that the upper safe limit of common greenhouse gasses in our atmosphere is 350 parts per million (ppm).i This would result in a 3.6 degree worldwide average temperature rise (hott…

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Banking on a Positive Future

by Francis P. Koster, Ed.D.

Banks and electric utilities are both facing tough times.

You don’t have to be a futurist to know that banks have a big problem now, and it isn’t just the housing crisis. Interest rates paid by customers are so low that when banks make loans, they don't earn much money on them, making it hard to be profitable. In turn, they cannot pay those who deposit money in savings accounts much interest on their savings. Currently, we have a vicious spiral where saving is discouraged - something that is not in our country’s long-term interests.

At the same time, electric utilities also have a unique challenge:  Their customers do not buy the same amount of electricity each minute of the day.…

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Smart Local Investors do Well and do Good

By Francis P. Koster Ed. D.

I love it when I find examples of places where one can do well while doing good.

This phrase describes situations where you can invest money or talent, earn a handsome rate of return or a decent living, and make the world a better place for your kids - all at once. Sort of like making a charitable donation, but in addition to doing good, you also do well - you get richer.

If you took $1000.00 and invested it in a Certificate of Deposit in any of the three largest banks in America today, you would earn one percent or less on your money, and have to pay income tax on that gain.

Take the same $1000.00 and put it in a secure government issued bond mutual fund and your rate or…

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The Bright Future Found in Growing our own Fuel

by Francis P. Koster, Ed.D.

The United States imports roughly three and a half billion of barrels of oil annuallyi, and in return ships about $350 Billion U.S. dollars out of our country every yearii . This comes to about $1,200 per citizen. If we could figure out a way to stop buying foreign oil, that $350 billion would be left locally to create new jobs here at home. That $350 billion would chop our current $498 billion balance of trade deficit by 70%!.iii

Turns out there is a very rapidly emerging solution which would be cheaper than importing oil, reduce pollution and create local jobs, and. It is called "Bio-fuel from Algae". And it can be done locally!

Lessons learned over the last…

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