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	<title>Raam Dev &#187; Money</title>
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	<link>http://raamdev.com</link>
	<description>Cultivating a human perspective</description>
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		<title>Permission Pricing for Digital Work</title>
		<link>http://raamdev.com/2011/permission-pricing-digital-work/</link>
		<comments>http://raamdev.com/2011/permission-pricing-digital-work/#comments</comments>
		<pubDate>Mon, 07 Nov 2011 08:00:00 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Essays]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Gift-giving]]></category>
		<category><![CDATA[Gifts]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Permission]]></category>
		<category><![CDATA[Permission Pricing]]></category>
		<category><![CDATA[Sustainability]]></category>
		<category><![CDATA[Value]]></category>

		<guid isPermaLink="false">http://raamdev.com/?p=12128</guid>
		<description><![CDATA[“Know your value,” everyone told me, “don’t undervalue yourself.” I was creating my first digital product and I began hesitating when it came time to choose a price. But the advice I received from friends led me to realize there was more to my hesitation: something was amiss with the status quo. Using my perception [...]]]></description>
			<content:encoded><![CDATA[<p>“Know your value,” everyone told me, “don’t undervalue yourself.” I was creating my first digital product and I began hesitating when it came time to choose a price. But the advice I received from friends led me to realize there was more to my hesitation: something was amiss with the status quo. </p>
<p>Using my perception of value to control the pricing process just felt wrong.</p>
<p>What good was &#8216;knowing my value&#8217; if my audience perceived the value of my work differently? If I thought my work was worth X but you felt my work was worth Y, then how could I create an offer that made sense for the both of us?</p>
<p>&#8216;Knowing your value&#8217;, I realized, is a broken method for pricing digital goods. The intangible nature of digital work makes it easy to impose prices based on the creators&#8217; perception of value, but that&#8217;s an outdated system that ignores the Internet&#8217;s potential to create global equality.</p>
<p>Rather than arbitrarily choosing a price, I put together a <a href="https://docs.google.com/a/raamdev.com/spreadsheet/viewform?hl=en_US&#038;formkey=dHlIZHV6b0l1d0xkOExoVXoxMGhwUHc6MQ#gid=0" target="_new">survey</a> describing the offer that I was creating and asked everyone on my email list to share their opinion. Who better to ask about the value of my work than those who had given me permission to send it to them?</p>
<p>I included in the survey a range of subscription options (based on what I would personally pay) and then asked everyone to share what resonated with them. Here were the results:</p>
<p>￼<img src="http://raamdev.com/wordpress/wp-content/uploads/2011/11/2011-11-Reader-Survey-Results.jpg" alt="Reader Pricing Survey Results" /></p>
<p>Using these results, I then calculated an average price and used that to set the monthly subscription for my <a href="http://raamdev.com/journal/">Journal</a>, which I&#8217;m quietly launching with the publication of this essay.</p>
<p>Will this average price make sense for everyone? No, probably not &#8212; the price will be too high for some, and too low for others. But will the price be fair? Yes.</p>
<p>In allowing your collective voice to set the price, I&#8217;m able to guarantee that your opinion overrides my own, even if that means using a higher price than I&#8217;m comfortable with (I was in fact going to use a lower price before I conducted the survey). </p>
<p>Asking permission before pricing my work gave you, my audience, a platform to participate in the pricing process and ensured that your opinion played an vital role in the valuation of my work.</p>
<h3 id="description">What is Permission Pricing?</h3>
<p>Permission pricing uses the privilege of an audience to understand what that audience would pay for our work. It recognizes that equality cannot be achieved through imposing our individual sense of value on others, and it uses the power of gift-giving to create a sustainable mechanism for increasing both awareness and perception of value.</p>
<p>There&#8217;s a good chance you&#8217;re already familiar with permission pricing: When you ask a friend how much he&#8217;ll give you for something that you want to sell, you&#8217;re employing permission pricing. You&#8217;re offering your respect by understanding the other persons&#8217; perception of value and then doing business accordingly.</p>
<p>A similar concept you may be familiar with is that of <a href="http://sethgodin.typepad.com/seths_blog/2008/01/permission-mark.html" target="_new">permission marketing</a>, which recognizes that treating people with respect and getting their permission <em>before</em> marketing to them is the best way to earn their trust and attention.</p>
<p>But if we build an audience with permission marketing and then turn around and sell to them without employing &#8216;permission pricing&#8217;, we&#8217;re effectively communicating that we will do business, but only with those who agree with our perception of value. </p>
<p>That method of pricing degrades the trust we build through permission marketing. It&#8217;s like asking for permission to speak with someone and then ignoring them when they give it to us.</p>
<p>Not everyone in our audience will want to buy from us and that&#8217;s OK. Some people only come for our gifts and they will stay for our gifts as long as they remain genuine. </p>
<p>Using gift-giving, we can increase the perceived value of our work while also increasing the awareness around it. This method isn&#8217;t as lucrative as imposing our own prices, but it is a method based on equality and it ensures a truer valuation of our work.</p>
<h3 id="gift-giving">Using Gift-Giving to Increase Awareness and Perception of Value</h3>
<p>Gift-giving is the act of offering something of real value without strings attached. The more true gifts we give away, the greater the number of people we will attract who will appreciate the value of our work. </p>
<p>When we attract people who appreciate the value of our work, they will talk to others about the gifts we&#8217;re giving and upon receiving those gifts, they will want to give something back. This simultaneously increases the awareness around our work and adds to our perceived value.</p>
<p>There&#8217;s one reason this works: Everyone who receives a true gift wants to give something back.</p>
<p>But the key here is to give away <em>true</em> gifts. What&#8217;s a &#8216;true gift&#8217;? True gifts are just as valuable &#8212; if not more valuable &#8212; than the products we sell. </p>
<p>An easy way to tell if we&#8217;re giving away true gifts is to consider our free work. Could we sell it? If not, then there&#8217;s a good chance it&#8217;s not a true gift. It&#8217;s probably wrapping paper, a cheap attention-getter that serves no purpose but to increase the statistical probability that we&#8217;ll make a sale or attract more traffic.</p>
<p>If the gifts we&#8217;re giving are nothing more than wrapping paper, our audience will eventually notice and we&#8217;ll lose their trust. We want to be giving away true gifts, not bogus gifts. True gifts get people talking to other people about the quality and remarkableness of our work and they add to the perception of our value.</p>
<h3 id="death">The Industrial Death of Permission Pricing</h3>
<p>The concept of permission pricing certainly isn&#8217;t new. In fact, it was once far more common than it is today. Its unfortunate absence in business can be attributed to the factory-based methods of the industrial revolution and the culture that has emerged from it.</p>
<p>As products became cheaper to manufacture and the cost of production dropped dramatically, the need to involve customers in the business process dried up. Instead of using human relationships to create a shared understanding of value, businesses began imposing and adjusting prices based entirely on earnings.</p>
<p>Products were now made in factories &#8212; not entirely by humans &#8212; and the human element quickly disappeared from business. Everything became about the numbers. Doing business wasn&#8217;t about providing quality and value or developing relationships with people. It was about production and sales and making money.</p>
<p>If sales were low, business owners dropped prices (or ran a &#8216;sale&#8217;) to increase the numbers. If sale-volumes were high, they produced a new product (or simply renamed an existing one) to keep people interested while they experimented with raising prices until sales slowed again.</p>
<p>With the digital revolution, it became easier than ever for this culture to change. With digital products that could self-replicate and technology that allowed for connecting directly with customers, businesses had an opportunity to create and price products based on the shared collective. </p>
<p>Unfortunately the old methods of doing business were too entrenched. Now customers were literally just a number on the screen, a traffic statistic or a conversion rate in a report.</p>
<p>If nobody was buying a digital product at whatever price was set, all they needed was more traffic; all they needed was more numbers. Even if the product had almost no value, the human element of curiosity combined with the unfortunate ignorance that accompanies any big transition, statistically guaranteed that sales would eventually come.</p>
<p>But all hope wasn&#8217;t lost.</p>
<h3 id="rebirth">A Digital Rebirth of Human-based Transactions</h3>
<p>There were a few business leaders who recognized the importance of customer involvement and used the Internet to create popular companies: eBay created a platform that allowed people to voice their opinion by placing a bid on products. Amazon employed mechanisms that allowed people to share their opinion through product reviews.</p>
<p>CraigsList circumvented the equalizing nature of the Internet by creating a platform that allowed buyers and sellers to connect offline, thereby using their geographic location to build trust and a create sense of equality.</p>
<p>In a world where the human element of business had been corrupted with greed, deception, and a relentless desire to make more money, these businesses made people feel human again. They gave people a voice and generated a sense of equality, empowering people and giving them respect.</p>
<p>The true potential of the Internet lies in its ability to create equality and facilitate human-based transactions. Thankfully, we&#8217;re already beginning to see a shift in business towards utilizing this potential, despite its absence in the prevailing culture.</p>
<p>Market trends like nichification refocus businesses on people. Instead of pumping out products and hoping that someone buys them, businesses are now learning to understand what their audience wants and then delivering value directly to them.</p>
<p>The opportunity to capitalize on the humanizing nature of the Internet is huge and the people at the forefront of this movement are the individuals who seek to involve their audiences in the decision-making process. They are the ones who continue to experiment and push the edges of what it means to do business.</p>
<h3 id="revolution">This is Our Digital Revolution</h3>
<p>To step towards a sustainable future, our archaic methods of doing business need to evolve. We need to recognize the significance of this digital revolution &#8212; our revolution &#8212; and work towards creating a culture of equality where the work we do matters.</p>
<blockquote><p>&#8220;It&#8217;s hard when your mother-in-law doesn&#8217;t buy into what you&#8217;re doing and it&#8217;s hard when the economy is going through a transition, to understand this &#8211; but this is our revolution.</p>
<p>This is the industrial revolution of our time; we are living through the death of the factory, and it is being replaced by something else. And the people who are on the cutting edge of that are the people who are inventing the next thing and talking about it with clarity.</p>
<p>So when this revolution slows down, we&#8217;re going to look back and we&#8217;re going to say, &#8216;so, what did you do?&#8217;. And I guess what I would say to the listener is, &#8216;do something that matters&#8217;.</p>
<p>This is too important for you to do some little scam, or some little affiliate deal, or some little way to make money tomorrow. </p>
<p>This is the time to do work that matters, to do something bigger than you think you&#8217;re capable of, and do it in a way that makes a difference.&#8221; &#8211; Seth Godin</p></blockquote>
<p>The way we choose to do business today will influence the way business is done for generations to come. We need to embrace the fact that we&#8217;re now living and working in a global society. When it comes to things like pricing our work, we need to recognize that it&#8217;s no longer just about us, it&#8217;s about our readers and our customers.</p>
<p>When we price our digital work, we don&#8217;t need to impose our perception of value and expect other people to agree; there are better ways of approaching pricing. Ask your audience what they will pay. Ask them for <em>their</em> opinion and seek to understand <em>their</em> perspective. Converse. Listen. Ask permission.</p>
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		<title>Income Ethics: A Framework for Ethical Income</title>
		<link>http://raamdev.com/2011/income-ethics-framework-ethical-income/</link>
		<comments>http://raamdev.com/2011/income-ethics-framework-ethical-income/#comments</comments>
		<pubDate>Mon, 03 Oct 2011 07:00:58 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Essays]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Consumption]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Equality]]></category>
		<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Morals]]></category>
		<category><![CDATA[Responsibility]]></category>
		<category><![CDATA[Social Responsibility]]></category>
		<category><![CDATA[Sustainability]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://raamdev.com/?p=11704</guid>
		<description><![CDATA[This is the conclusion of a four-part series on income ethics. The series describes my discovery of a need for income ethics, explains why we need to define our enough, discusses the problem with art and equality in the digital age, and lays out the income ethics that I have defined for my own creative [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://raamdev.com/wordpress/wp-content/uploads/2011/09/5931991876_55ed45b225_z.jpg" alt="Photo: Magnificence" /></p>
<p><em>This is the conclusion of a four-part series on income ethics. The series describes <a href="http://raamdev.com/income-ethics-embracing-human-family">my discovery</a> of a need for income ethics, explains why we need to define <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">our enough</a>, discusses the problem with <a href="http://raamdev.com/income-ethics-digital-art-equality">art and equality</a> in the digital age, and lays out the income ethics that I have defined for my own creative work (this essay). You can read the entire series on one page <a href="http://raamdev.com/income-ethics-series">here</a>.</em></p>
<p>In my life, there are many things that are important to me but nothing is as important as upholding my personal values. In reflecting on how I could uphold my values while earning an income from my creative work, I looked around to others who had chosen similar work so that I could understand how their values had influenced their income ethics. What I discovered surprised me.</p>
<p>Personal ethics were practically non-existent. There were no value-systems in place for handling income and the capitalist society that surrounded me even seemed to encourage a disconnect between our values and our income. This left behind a sea of irresponsible individuals who worked and lived with open-ended or non-existent income ethics. </p>
<p>The resulting consumerist culture expressed no expectation of us to share, provided us with no inherited sense of responsibility for giving, and did not encourage us to think beyond ourselves or towards a future where we no longer existed but where the results of our actions continued to reverberate through time.</p>
<p>Instead of recognizing the value of what we have now, we are instead encouraged to live in a state of fear for what we might not have tomorrow. Instead of accepting the fact that we could die tomorrow and then sharing more with those who will still be here when we&#8217;re gone, we instead choose to be selfish, egotistical, and stubborn to the reality of our mortality.</p>
<p>But without the help of others, there is very little we can do to change this culture. As long as the machine of consumerism stays oiled and running, there will be no societal incentive for us change. </p>
<p>However, if our society doesn&#8217;t expect us to be responsible, that doesn&#8217;t eliminate this responsibility: the individual simply inherits it. When we as individuals accept this responsibility, we work towards creating a society that expects us to be responsible.</p>
<p>It was a deep philosophical shift towards minimalism that helped make me aware of just how entrenched in consumerism my society had become and it helped me view and understand income and personal responsibility from a different perspective. </p>
<p>It became clear that if my society was not going to hold me responsible for using my income ethically, I needed to accept that responsibility to create and share a set of guidelines that would uphold my values.</p>
<h3>My Ethics for Generating Income from Creative Work</h3>
<ol>
<li>All non-free creative work will be made public domain within one year</li>
<li>All gross annual income exceeding $15k USD will go to charity</li>
<li>All expenditures will be documented and published annually</li>
<li>At least 25% of every sale or transaction will go to charity</li>
</ol>
<p>Each of these guidelines addresses a specific area of importance to me in relation to generating income: Freedom of art (1), defining my enough (2), transparency and accountability (3), and showing up for what matters to me (4).</p>
<p>Note that I&#8217;m calling these <em>my ethics</em>. I feel that every individual needs to recognize their enough and then work from there. </p>
<p>I spent weeks muddling over these points and tweaking them until my intuition told me they felt right. It wasn&#8217;t until I recognized and defined my enough that I was able to use my core values and my sense of planetary responsibility to guide the rest of the process.</p>
<p>I&#8217;ll go into detail and explain my reasoning behind each guideline:</p>
<h4 id="public_domain">1. All non-free creative work will be made public domain within one year</h4>
<p>If I&#8217;m going to release non-free creative work &#8212; that is creative work whose access is restricted by monetary value &#8212; I want to ensure that all those who cannot afford the work, or who are not interested in supporting my work, still have the opportunity to access, build upon, and learn from whatever I create.</p>
<p>My personal philosophy has been heavily influenced by the <a href="http://en.wikipedia.org/wiki/Hacker_ethic" title="Hacker Ethic on Wikipedia">hacker ethic</a>, the key points of which are access, free information, and improvement to quality of life. An example of this philosophy can be found in the open-source community, where sharing and openness ensures that everyone can build upon previous work, thereby creating a continuous cycle of learning and improvement. </p>
<p>To pay-forward everything this philosophy has awarded me, I will release all non-free creative work into the public domain within one year. If you cannot afford something that I create, all you need to do is wait until it becomes free.</p>
<p>This guideline also protects me as an artist: As a creative worker, my ‘work’ should never stop. My job isn&#8217;t to create something and then go have it manufactured like a product and sold over and over. The digital nature of my creative work (primarily writing) allows me to do this with the Internet, effortlessly replicating and distributing my work over and over. But as an artist, that’s not my ‘work’. </p>
<p>When a digital artist forgets that his or her job is to produce art, they can get wrapped up in the potential of this technological machine (the Internet) to replicate and distribute their work. As a result, they might stop creating new work and instead focus on maximizing the use of this machine to generate income from existing work.</p>
<p>This one-year lifespan on non-free work ensures that I&#8217;m always looking forward, always focusing on creating and always treating my work as art, not spending my time tweaking existing art to maximize profit or finding ways to imitate the success of other artists.</p>
<h4 id="income_cap">2. All gross annual income exceeding $15k USD will go to charity</h4>
<p>In the past year, I&#8217;ve traveled across the planet, sailed on the Pacific ocean, piloted a small airplane, watched a space shuttle launch, and trekked up into the Himalayan mountains. And I&#8217;ve done all of that and gained a lifetime of experiences on less than $15k USD. This is my enough.</p>
<p>If there are billions of people on the planet who survive on $4 a day, then I can certainly find a way to <em>thrive</em> on $40 a day. For the foreseeable future, I see absolutely no reason for keeping more than $15k USD per year to myself, so anything I receive over that amount will go towards charitable work.</p>
<p>I&#8217;ve seen how money can change our perspective and quietly inject greed into our lives. When we&#8217;re poor, sufficiency appears one step ahead. When we&#8217;re rich, sufficiency still appears one step ahead. No matter what we do, sufficiency always appears out of reach and we never seem to have enough. </p>
<p>Instead of chasing sufficiency, we need to recognize that it&#8217;s already here; it doesn&#8217;t change or move, we do. By setting a limit for my personal income and committing myself to donating the rest to charitable work, I&#8217;m recognizing sufficiency and choosing to live within it. I&#8217;m ensuring that the more I earn, the more I&#8217;m reminded of, and contributing to, my <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">planetary social responsibility</a>.</p>
<h4 id="transparency">3. All expenditures will be documented and published annually</h4>
<p>With transparency comes accountability. I want to be held accountable for my income ethics. I want to hold myself accountable and I want you, and everyone who helps support me, to also hold me accountable. </p>
<p>By documenting and publishing my expenditures for all the world to see, I&#8217;m providing you &#8212; whether you choose to support my work or not &#8212; with a full view of where your support is going and where the charitable portion of my income is being donated.</p>
<p>Since the beginning of 2010, I&#8217;ve been documenting and publishing <a href="http://raamdev.com/tag/nomad-financial-reports" title="Nomad Financial Reports">my expenses</a>. Going forward, the frequency of these reports may fluctuate but they will always be free, always as detailed as possible, and always published at least once a year.</p>
<p>When I publish these reports, I don&#8217;t feel like I&#8217;m doing it to justify my expenses to you. Instead, I feel like I&#8217;m doing it to justify them to myself. In creating this transparency for you, I&#8217;m forced to be transparent with myself.</p>
<h4 id="25_percent">4. At least 25% of every sale or transaction will go to charity</h4>
<p>By having a portion of every transaction go to charity, I&#8217;m ensuring that no matter what I earn, there will always be something given back. That means if I only earn $100 a month from my creative work, $25 of that will always go to charity.</p>
<p>Giving a portion of every transaction to charity is important because it acts as a commitment to a sustainable future. It acts as a continuous reminder of the importance of sharing and the role charity plays in fulfilling our planetary social responsibility. It&#8217;s a way of always &#8216;showing up&#8217; for what matters.</p>
<p>(Income tax should be the answer to this, but until our leaders have their priorities straight, I&#8217;m creating my own self-imposed income tax to work towards what I feel is important.)</p>
<h4>A Note on Charity and Charitable Work</h4>
<p>I use the words &#8216;charity&#8217; and &#8216;charitable work&#8217; interchangeably throughout this essay, but since a large portion of my income will be donated I should clarify what I mean by &#8220;going to charity&#8221; </p>
<p>I want to dedicate a portion of my time every year to doing charitable work. However, until I&#8217;m in a financial position to take things into my own hands, I will simply make regular donations to charitable organizations. As my ability to spend more time and money on charity increases, some of the charitable income will go towards charitable endeavors of my own.</p>
<p>The charitable portion of my income will be kept in an interest-bearing account separate from my personal accounts (earned interest will always go to charity) and the balance of that account, as well as the donations that are made, will always be disclosed in my published financial reports.</p>
<h3>It&#8217;s the Universe or Nothing</h3>
<blockquote><p>Human history can be viewed as a slowly dawning awareness that we are members of a larger group. Initially our loyalties were to ourselves and our immediate family, next, to bands of wandering hunter-gatherers, then to tribes, small settlements, city-states, nations. We have broadened the circle of those we love. We have now organized what are modestly described as super-powers, which include groups of people from divergent ethnic and cultural backgrounds working in some sense together &#8212; surely a humanizing and character building experience. </p>
<p>If we are to survive, our loyalties must be broadened further, to include the whole human community, the entire planet Earth. Many of those who run the nations will find this idea unpleasant. They will fear the loss of power. We will hear much about treason and disloyalty. Rich nation-states will have to share their wealth with poor ones. But the choice, as H. G. Wells once said in a different context, is clearly the universe or nothing. &#8211; <em>Carl Sagan</em></p></blockquote>
<p>I embrace these income ethics because I feel an inherent <em>planetary social responsibility</em>. I feel that if I&#8217;m able to generate income &#8212; potentially large amounts of income through the Internet &#8212; then I need to commit upfront to being morally responsible with that income. It&#8217;s a commitment to myself, yes, but it&#8217;s also a commitment to you, to the future, and to the world that supports us both.</p>
<p>Is your work important to you? Is the freedom, longevity, and legacy of your work of any significance? What does your &#8216;enough&#8217; look like? Have you made the conscious decision to live and work within your enough? Where does your excess abundance go? How do you hold yourself accountable for ensuring that your work and your lifestyle reflect your core values?</p>
<p>Are these questions important? I believe they are and I encourage you to <a href="http://raamdev.com/journal/accepting-responsibility" title="Accepting Responsibility">accept responsibility</a> for equality and seek to achieve balance through understanding your enough. When we pay-forward the abundance that we receive and keep the cycle of giving alive, we will fulfill our individual roles as curators of sustainability and custodians of human solidarity.</p>
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		<title>Income Ethics: Digital Art and Equality</title>
		<link>http://raamdev.com/2011/income-ethics-digital-art-equality/</link>
		<comments>http://raamdev.com/2011/income-ethics-digital-art-equality/#comments</comments>
		<pubDate>Mon, 26 Sep 2011 15:45:50 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Essays]]></category>
		<category><![CDATA[Art]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Consumption]]></category>
		<category><![CDATA[Creativity]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Equality]]></category>
		<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Morals]]></category>
		<category><![CDATA[Responsibility]]></category>
		<category><![CDATA[Social Responsibility]]></category>
		<category><![CDATA[Sustainability]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://raamdev.com/?p=11701</guid>
		<description><![CDATA[This essay is the third in a four-part series on income ethics. The series describes my discovery of a need for income ethics, explains why we need to define our enough, discusses the problem with art and equality in the digital age (this essay), and lays out the income ethics that I have defined for [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://raamdev.com/wordpress/wp-content/uploads/2011/06/creative-work4.jpg" alt="Photo: Digital Art and Equality" /></p>
<p><em>This essay is the third in a four-part series on income ethics. The series describes <a href="http://raamdev.com/income-ethics-embracing-human-family">my discovery</a> of a need for income ethics, explains why we need to define <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">our enough</a>, discusses the problem with art and equality in the digital age (this essay), and lays out the <a href="http://raamdev.com/income-ethics-framework-ethical-income">income ethics</a> that I have defined for my own creative work. If you&#8217;d like to follow my work, please <a href="http://raamdev.com/email-newsletter">subscribe</a> or check back here for updates.</em></p>
<p>The art of expressing and conveying ideas through the medium of writing wasn&#8217;t something I consciously learned, but rather it was a seed that sprouted inside me at an early age. Up until recently, I had only treated the growth of that seed as a passionate hobby, a fun talent that I would enjoy when I had the opportunity and the inclination to do so.</p>
<p>But the transition to simple nomadic lifestyle combined with the experience of traveling through developing countries had not only opened my eyes to a planetary social responsibility, it also allowed me to recognize the full potential of my creative work in a globally connected society.</p>
<p>The combination of feeling a planetary responsibility and recognizing the potential of my creative work necessitated the need to dedicate more of my time to sharing that work and contributing to the world in a way that best utilized my skills, talents, and passions. It was no longer enough that I dabbled in creativity when the urge presented itself. </p>
<p>Living as a nomad and focusing on creative work required very little income, but after a year of living hand-to-mouth and leaning on the goodwill of friends and family, it became apparent that even a simple lifestyle requires <em>some</em> income, a means of supporting oneself and obtaining the ability to redirect abundance to those in need. </p>
<p>If we&#8217;re not able to fully take care of ourselves, we cannot fully help others. When our needs are met, we can serve others, and when we have more than we need, we can do more to serve.</p>
<p><em>Note: In the context of this essay, the terms &#8216;art&#8217; and &#8216;creative work&#8217; are used to represent a tangible manifestation of creative effort; the terms &#8216;artist&#8217; and &#8216;digital artist&#8217; are used to represent the individual doing the creating. There is a difference between knowledge work and creative work: the former involves the skill of understanding and working with information and the latter involves the creation of new and unique things.</em></p>
<h3>The Missing &#8216;Enough&#8217; and a Broken Status Quo</h3>
<p>As I began to think about how I could earn a simple living through my creative endeavors, several things felt wrong about the way others were currently monetizing their creative work. I found there were no limits in place. There was no monetary ceiling, no way to be held accountable, no definition of &#8216;enough&#8217; and no dedication to maintaining that enough. </p>
<p>This lack of knowing what&#8217;s enough often led in one of two directions: 1) the artist stopped creating art altogether, refocusing their monetary efforts away from creating the art they loved because &#8216;their&#8217; art didn&#8217;t seem to sell, or 2) they became so successful that their work stopped being about art and instead became an automated system of receiving income; their work transitioned from the creation of art to the art of managing the flow of income.</p>
<p>In addition to this risk of being distracted by income, it also troubled me that putting a price on my work seemed to create and support the global inequalities that I wanted to help eliminate. For example, if I sold a piece of work for $20USD, people in the more affluent areas of the world might be able to afford it while someone in a developing country might need to spend all their wages for an entire month to make the same purchase. </p>
<p>As soon as I put a price on my work, I effectively caged it and created walls that many people would never be able to climb. The work would eventually disappear into a monetary black hole, dying a quiet death in the shadows where a large percentage of the world would never see it. </p>
<p>Isn&#8217;t the point of creative work to create something that can outlast us? Isn&#8217;t the reason we create to share an artistic expression of ourselves, to create a tangible manifestation of our creative effort? And if so, why would we release and share our work in a casket?</p>
<p>The problem of pricing digital art intrigued me the most because it was such a fundamental problem. Every digital artist I had met spoke of the difficulty in finding &#8216;the right price&#8217; for their work. There are all kinds of strategies and tactics that can be used to gauge what prices our audience will tolerate, but that seemed like a bandaid to a bigger issue.</p>
<h3>Pricing Digital Art in the Global Marketplace</h3>
<p>It&#8217;s only in the past twenty years that the human species has started publishing creative work en masse to a globally accessible digital medium, so I decided to think about how art in the physical world compares with art in the digital world. It&#8217;s likely that the problems with digital art originate from our inexperience operating in a global marketplace and from the unconscious application of methods used for selling non-digital art in localized marketplaces.</p>
<p>If you want to buy an original oil painting from a well-known artist, it will cost a lot of money because that piece of work required a huge time investment from the artist. The artist is only one person and they only have so much time available to create new work.</p>
<p>In the digital world however, if an artist creates a piece of digital art (i.e., creative work of any type: writing, audio, video, or graphical art), they can sell as many copies of that work as they want with no additional effort and essentially no additional cost.</p>
<p>When it comes to pricing that work, this causes all sorts of problems.</p>
<p>If a non-digital artist allows his physical artwork to be copied, pricing can start with the current valuation of the original and then, based on the quality and number of copies being created, a logical price per copy can be achieved. These prices can then be based on the geographic location they&#8217;re being sold to accommodate for differences in local currency.</p>
<p>However, on the Internet there is no such thing as an &#8216;original&#8217; piece of artwork (original in the sense of not a copy) because all art published online is essentially a copy. And there is no quality differential per copy either, as all copies are identical in quality to the previous. Geographic location is also irrelevant as the Internet is flat and each &#8216;netizen&#8217; is equal.</p>
<p>So, the price of digital art largely becomes arbitrary, based on whatever the artist feels the work is worth to them. That &#8216;feeling of worth&#8217; is entirely relative to the local economic status of the individual and to their own valuation of money. But both of those are irrelevant online because the Internet is a global community and a global marketplace.</p>
<p>If we walk outside and ask our neighbor how much $1USD is worth to them, there&#8217;s a good chance we can reach a mutual agreement on its worth. But if we go from a developed country like the United States to a poor country somewhere in Africa, we&#8217;ll be hard-pressed to find someone with which to reach a similar agreement.</p>
<p>On the Internet, someone from a poor county in Africa is essentially just as close to us online as our next door neighbor. And as a result, using localized feelings of value cannot be applied online unless we&#8217;re willing to exclude certain people based purely on where they were born.</p>
<p>For a global marketplace to exist, there needs to be a common currency. There needs to be something that everybody agrees is worth the same no matter where they&#8217;re from. Without that, a global marketplace could not exist. Right now the common currency we share is the currency called &#8216;free&#8217; and that&#8217;s why the growth of the Internet can be correlated with the amount of &#8216;free&#8217; stuff available.</p>
<p>But free isn&#8217;t really a currency. It has no monetary value and it can&#8217;t buy us food or shelter. I realized that if I chose to solve the problems of pricing digital art using the currency of free, I would need to rely on donations and/or give up the full-time creation of art to do other kinds of work.</p>
<p>When pure survival is at stake, a donation-based living doesn&#8217;t feel right to me. Working and receiving something in return for that work feels more ethical than simply existing and asking others to support my existence. So, I needed to find a compromise that would allow me to create art full-time and still make a living.</p>
<h3>Crossing the Bridge of Art, Income, and Equality</h3>
<p>For over a year now I&#8217;ve wrestled with roadblocks related to the generation of income from creative work. I&#8217;ve spent months contemplating and reflecting on the crossroads of art, income, and equality and I&#8217;ve exchanged dozens of emails and held many conversations with friends.</p>
<p>But several questions remained unanswered and I refused to even attempt to earn a single penny through my creative work until I came up with at least some sort of solution that felt intuitively correct.</p>
<ul>
<li>How could I put a price on my work without simultaneously caging it indefinitely?</li>
<li>How could I monetize my work without risking the distraction of income? </li>
<li>How could I ensure that all of my work remained free and accessible to everyone?</li>
<li>How could I maintain my enough and always give something back to those in need?</li>
</ul>
<p>What I eventually arrived at was the conclusion that to cross that bridge &#8212; to personally feel at peace with generating income from my creative work &#8212; I needed a framework, a system for giving back, for holding myself accountable, and for ensuring that my values were not compromised. </p>
<p>Creating this framework meant clearly defining my &#8216;enough&#8217; and stating upfront my commitment to giving back everything except what was needed for the lifestyle I chose to live. It meant creating a way that would ensure everyone, including those who could not afford my work, would still be given the opportunity to access, build upon, and benefit from that work. </p>
<p>What I needed to do was to define my ethics for generating income from creative work.</p>
<p>Until global equality is a closer reality, it is up to the individuals who are creating, publishing, and selling digital creative work in the global marketplace to accept the responsibility for creating their own set of ethics to ensure their art remains ethical.</p>
<p><em>Read the previous part of the series: <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">Income Ethics: Planetary Social Responsibility</a></em><br />
<em>Read the final part of the series: <a href="http://raamdev.com/income-ethics-framework-ethical-income">Income Ethics: A Framework for Ethical Income</a></em></p>
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		<title>Income Ethics: Planetary Social Responsibility</title>
		<link>http://raamdev.com/2011/income-ethics-planetary-social-responsibility/</link>
		<comments>http://raamdev.com/2011/income-ethics-planetary-social-responsibility/#comments</comments>
		<pubDate>Mon, 19 Sep 2011 07:00:30 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Essays]]></category>
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		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Consumption]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Equality]]></category>
		<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Morals]]></category>
		<category><![CDATA[Responsibility]]></category>
		<category><![CDATA[Social Responsibility]]></category>
		<category><![CDATA[Sustainability]]></category>
		<category><![CDATA[Work]]></category>

		<guid isPermaLink="false">http://raamdev.com/?p=11692</guid>
		<description><![CDATA[This essay is part two of a four-part series on income ethics. The series describes my discovery of a need for income ethics, explains why we need to define our enough (this essay), discusses the problem with art and equality in the digital age, and lays out the income ethics that I have defined for [...]]]></description>
			<content:encoded><![CDATA[<p><center><img src="http://raamdev.com/wordpress/wp-content/uploads/2011/08/fulfillment-consumption-enough.png" alt="Graph: Fulfillment, Consumption, Enough" title="Graph: Fulfillment, Consumption, Enough" /></center></p>
<p><em>This essay is part two of a four-part series on income ethics. The series describes <a href="http://raamdev.com/income-ethics-embracing-human-family">my discovery</a> of a need for income ethics, explains why we need to define our enough (this essay), discusses the problem with <a href="http://raamdev.com/income-ethics-digital-art-equality">art and equality</a> in the digital age, and lays out the <a href="http://raamdev.com/income-ethics-framework-ethical-income">income ethics</a> that I have defined for my own creative work. If you&#8217;d like to follow my work, please <a href="http://raamdev.com/email-newsletter">subscribe</a> or check back here for updates.</em></p>
<p>When we came into this world, our hands were open. We live, our fists clenched, struggling to hold onto anything we can, but when we leave, our hands will once again remain open. </p>
<p>We come with nothing, we leave with nothing, and while we&#8217;re here we own nothing. Every person who lives will go through this cycle, no matter who they are, where they&#8217;re from, or how much they inherit. </p>
<p>Everything we have is borrowed, a temporary resource to use on this journey through life. We take nothing with us, and yet we are given so much while we&#8217;re here. The whole world, all of life, is one big family, yet many of us ignore it and forget that it exists.</p>
<p>Distracted by the fleeting impermanence, we futilely clench our fists to that which surrounds us, focusing so much on protecting our so-called assets that we inadvertently damn others in our family to an inhumane and immoral standard of living. The current state of our human family isn&#8217;t sad: it&#8217;s disgraceful.</p>
<p>Some of us are fortunate enough to have the ability (the time) and the resources (the wealth and knowledge) to choose how we live and to make a difference in the welfare of our family. Unlike those who struggle every day to simply survive, there is a select few of us who get to choose.</p>
<p>As a member of that group who can choose and who, for most of his life, did nothing with that choice, I can say that many of us in the developed world are not using our free choice to change the state of our human family. Instead, we&#8217;re living in luxury and aspiring towards extravagance, selfishly consuming more and more and not really thinking about where it leads.</p>
<p>We eat more than we need to, we spend more than we need to, and we hoard more than we need to. We play games with our resources in the &#8216;financial markets&#8217; and acquire unnecessary junk in the &#8216;supermarkets&#8217;.</p>
<p>Instead of deciding what truly matters to us and then releasing everything else to those who need it, we allow fear to guide us. We embrace scarcity because others are embracing it. We unconsciously spend our life doing things that ensure the poor remain poor, the rich remain rich, and everybody in between suffers for as long as possible.</p>
<p>Where does it stop? At what point do we recognize our enough and start giving back to those in need? When does our time and money cease to represent a <a href="http://raamdev.com/voting-for-poverty" title="Voting for Poverty">vote for poverty</a> and instead become a vote for equality?</p>
<p>We create budgets for reducing debt and achieving long-term goals, but have we created a budget for humanity? Have we created a budget for serving our human family with the limited time we have available? Have we taken the time to assess what we have and asked ourselves if we might be holding <em>too much</em>?</p>
<blockquote><p>If you can afford three meals a day, you are in the top 15% of the wealthiest humans on Earth.</p></blockquote>
<p>What are we doing with all that wealth? Are we hoarding it like paranoid pack rats, padding our bellies and bank accounts and chasing the volatile and impermanent equity of our physical assets? </p>
<p>Or are we living within our means, recognizing what is <em>really</em> necessary to achieve our goals, and then searching for ways to redistribute excess so that we may contribute to the betterment of <em>all</em> life?</p>
<p>Throughout history, the wealthy members of successful societies acted as the caretakers and custodians of their community. They used their wealth to ensure a moral, just, and dignified standard of living. The societies that failed? They had one thing in common: the wealthy hoarded.</p>
<p>For the first time in written history, a global society is emerging. We are in a transition that ends with each individual representing one member of a global community. The biggest mistake we can make as individuals is to remain blind to the individual responsibility that comes with the privilege of having access to this global community.</p>
<h3>What Does It Mean To Accept This Responsibility?</h3>
<p>Our planetary social responsibility is a responsibility to protect our home (Earth) and our family (all of life). It&#8217;s a responsibility to ensure that our actions, as both individuals and groups, support the continued welfare of this home and family.</p>
<p>Accepting this responsibility doesn&#8217;t mean that we should neglect ourselves or throw away our ambitions or personal goals &#8212; it doesn&#8217;t mean we should become martyrs for the greater good. What it <em>does</em> mean is that we should recognize the treasure that is this human existence and accept the responsibility for the potential that it awards us. </p>
<p>It means that we should ask ourselves how our work (the activities undertaken with the intention of achieving specific results) and the output or return of that work (the results, whether direct or residual), affects our home and our family. </p>
<p>It means understanding how our work relates to our goals and to what extent that work utilizes our unique potential. (If we are, as groups or individuals, not aiming to use our unique potential to the fullest extent, then we&#8217;re doing a disservice to ourselves and to the world.)</p>
<p>Accepting this responsibility also means understanding how our lifestyles &#8212; the things that we consume, the groups that we relate with, and the leisurely activities that we partake in &#8212; affect the world and its people, and it means taking an active role in changing our habits to improve our lifestyle.</p>
<p>It means asking ourselves how our personal priorities and goals, both of which direct how we spend most of our life, affect the future home for our children (all children are our children) and whether the long-term affects of those priorities and goals will contribute to a net-positive or a net-negative future for our human family.</p>
<p>Wouldn&#8217;t you want to know if your work or your lifestyle was somehow contributing to the deaths of 17,000 children every night? I know I certainly would. The answer to that question isn&#8217;t easy to find, but it should still be asked; it should still be something that&#8217;s on our mind when we make decisions about our work and our lifestyle.</p>
<p>Fulfilling our planetary social responsibility will inevitably look different for each individual and fulfilling it won&#8217;t change the world overnight. But there is one thing we can all remember: Equality cannot be maintained for a few at the expense of the many. As Martin Luther King observed, &#8220;where there is injustice for one, there is injustice for all.&#8221;</p>
<p><em>Read the previous part of the series: <a href="http://raamdev.com/income-ethics-embracing-human-family">Income Ethics: Embracing the Human Family</a></em><br />
<em>Read the next part of the series: <a href="http://raamdev.com/income-ethics-digital-art-equality">Income Ethics: Digital Art and Equality</a></em></p>
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		<title>Income Ethics: Embracing the Human Family</title>
		<link>http://raamdev.com/2011/income-ethics-embracing-human-family/</link>
		<comments>http://raamdev.com/2011/income-ethics-embracing-human-family/#comments</comments>
		<pubDate>Thu, 15 Sep 2011 07:00:21 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Essays]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Charity]]></category>
		<category><![CDATA[Consumption]]></category>
		<category><![CDATA[Enough]]></category>
		<category><![CDATA[Equality]]></category>
		<category><![CDATA[Ethics]]></category>
		<category><![CDATA[Income]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Morals]]></category>
		<category><![CDATA[Responsibility]]></category>
		<category><![CDATA[Social Responsibility]]></category>
		<category><![CDATA[Sustainability]]></category>
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		<guid isPermaLink="false">http://raamdev.com/?p=10874</guid>
		<description><![CDATA[This essay is the first in a four-part series on income ethics. The series describes my discovery of a need for income ethics (this essay), explains why we need to define our enough, discusses the problem with art and equality in the digital age, and lays out the income ethics that I have defined for [...]]]></description>
			<content:encoded><![CDATA[<p><img src="http://raamdev.com/wordpress/wp-content/uploads/2011/09/scrounging-in-trash2.jpg" alt="Photo: Searching through the Trash" /></p>
<p><em>This essay is the first in a four-part series on income ethics. The series describes my discovery of a need for income ethics (this essay), explains why we need to define <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">our enough</a>, discusses the problem with <a href="http://raamdev.com/income-ethics-digital-art-equality">art and equality</a> in the digital age, and lays out the <a href="http://raamdev.com/income-ethics-framework-ethical-income">income ethics</a> that I have defined for my own creative work. If you&#8217;d like to follow my work, please <a href="http://raamdev.com/email-newsletter">subscribe</a> or check back here for updates.</em></p>
<p>A few days after returning to the United States from my first trip to India, I found myself in a movie theater, leaning back into a comfortable chair and quietly feeling the tears roll down my face as I looked around the dimly lit room and watched people stuff their faces with popcorn and slurp on giant cups of soda. I couldn&#8217;t help but think about the millions of starving children on the other side of the planet who, while I was enjoying comfort, would be going to sleep later that night hungry and cold on a concrete sidewalk.</p>
<p>A few months later I was invited to attend the last launch of NASA&#8217;s Space Shuttle Discovery. As I watched the spaceship blast off into outer space, I was again flooded with emotions as I realized how in such a short period of time I had observed the poorest of humans barely surviving in the slums of India to seeing firsthand evidence of the incredible technological advances our species had achieved.</p>
<p>Almost a year after my return, the bulk of these emotions seemed to have all but disappeared, numbed away by the time spent living again in a privileged and abundant society. But, as I walked down a beautiful pathway in California one sunny day, surrounded by perfectly landscaped gardens that wrapped me in pink, yellow, and blue flowers, their petals lazily swaying in the wind, I caught myself once again choking up. </p>
<p>What did I do to deserve so much beauty? Why did I have so much while millions of others lived in heaps of trash, scrounging around in the filth in search of food? And what right did I have to ask for more, to seek an income and ask others to give me <em>more</em> when I already had so much?</p>
<p>Whenever I thought about how I could earn an income through my creative work, I felt embarrassed to even be considering it. While billions were trying to feed themselves, I bathed in the luxury and the privilege of being able to create income streams with virtually no limit on growth and no need for accountability. It felt irresponsible, selfish, and wrong.</p>
<p>I have not always felt this repulsion to asking for more or this difficulty justifying an income. For most of my life I lived with more than I needed. I worked towards goals that were not really my own and I spent the majority of my time doing things to afford stuff that I thought I wanted but didn&#8217;t need.</p>
<p>When it came to my career, nothing I did ever felt purposeful to the bigger picture. My potential always felt grossly underutilized and I never felt satisfied. But instead of doing something about it, I unconsciously contributed to the continuation of this dissatisfaction by telling myself that I needed to stick with whatever I was doing, no matter how rote or routine, because the next great opportunity might be just around the corner.</p>
<p>Instead of living life <a href="http://raamdev.com/journal/heart-growth" title="Heart Growth">guided by my heart</a>, I was living life guided by the fear of missing out on the next big thing, the thing that everybody had convinced me I would be foolish to throw away. Time was a cheap accessory and I was always willing to sacrifice today in return for the security of knowing that tomorrow would bring something I could expect, something that was already known and easily handled.</p>
<p>It didn&#8217;t matter that I was quietly suffering inside. I willingly accepted suffering in my career and in my life because everybody else was suffering too, and sharing that suffering felt easier and more logical than standing out as the person who gave up everything in search of a better way.</p>
<p>But all of that changed last year when I made the decision to rid my life of all that fear and all those external expectations. I voluntarily gave up my attachment to the achievements, the accomplishments, and all the positions and career advancements. Saving myself from the decay of the status quo became more important than all the golden opportunities I might miss in the process.</p>
<p>From that moment forward, I committed myself to living a simple, more purpose-driven lifestyle and proceeded to wipe the slate clean of all my material possessions so that I could discover my enough and allow my heart the freedom it needed to guide my life.</p>
<p>I began living with only what fit on my back and in the process I discovered that letting go actually decreased the sense of scarcity and fear of not having enough. </p>
<p>Instead of being scared to miss opportunities, I began to feel a sense of abundance, a sense of absolute contentedness that came with the knowledge that I had recognized my enough and that I had the freedom to focus on the soul-empowering creative work that I now fully recognized enriched both my life and the lives of others.</p>
<p>But with this freedom came something very unexpected: An <a href="http://raamdev.com/homesick-in-a-strange-and-privileged-land" title="Homesick in a Strange and Privileged Land">unbelievably strong sense of responsibility</a> for using my time and my resources to help rebalance the global inequalities that were brought to my attention by travels abroad. </p>
<p>The decision to travel the world had opened my soul to a feeling of being inexplicably connected to everyone else on the planet. Earth had become my home and everyone on it genuinely felt like family. It became clear that whatever lifestyle I led and whatever work I did, my existence needed to contribute in some way to the well-being of all. I now felt an inherent planetary social responsibility.</p>
<p><em>Read the next part of the series: <a href="http://raamdev.com/income-ethics-planetary-social-responsibility">Income Ethics: Planetary Social Responsibility</a></em></p>
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		<title>The more we have, the less we appreciate</title>
		<link>http://raamdev.com/2009/the-more-we-have-the-less-we-appreciate/</link>
		<comments>http://raamdev.com/2009/the-more-we-have-the-less-we-appreciate/#comments</comments>
		<pubDate>Sat, 08 Aug 2009 04:19:52 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Life Philosophy]]></category>
		<category><![CDATA[Happiness]]></category>
		<category><![CDATA[Minimalism]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Possessions]]></category>
		<category><![CDATA[Time]]></category>

		<guid isPermaLink="false">http://blog.raamdev.com/?p=3804</guid>
		<description><![CDATA[This post started as a comment in response to Colin Wright&#8217;s post on Your Money or Your Life. The comment grew long enough that I decided to turn my response into this post. There are two things that cannot be bought with money: Time and Happiness. Sure, you might be able to &#8220;buy&#8221; someone&#8217;s time, [...]]]></description>
			<content:encoded><![CDATA[<p><em>This post started as a comment in response to <a href="http://exilelifestyle.com/lifestyle/money-life/">Colin Wright&#8217;s post on Your Money or Your Life</a>. The comment grew long enough that I decided to turn my response into this post.</em></p>
<p>There are two things that cannot be bought with money: Time and Happiness.</p>
<p>Sure, you might be able to &#8220;buy&#8221; someone&#8217;s time, but you cannot buy back time that has already been spent! Therefore time is an invaluable resource. Likewise, happiness cannot be bought. You can buy things that you think will make you happy, but the happiness itself will always come from somewhere inside. You really don&#8217;t need anything external to obtain it!</p>
<p>I find it amazing how many people go through their entire lives thinking that more money equals more happiness. They get stressed and unhappy due to the absence of money and naturally they assume having more of it will reverse the effect. In reality, what&#8217;s making them unhappy are the choices they&#8217;ve made; the little luxuries they&#8217;ve decided are absolutely necessary to live their life (cable TV, cars, expensive foods, tobacco, alcohol, big house, movies, etc.). </p>
<p>All of those things provide a very temporary and unsustainable happiness. As a result, their life becomes a snowballing roller coaster of wanting more and more. The more they want, the more money they convince themselves they need. The more money they need, the more stressed out and unhappy they become. Where does it end? Sadly, for most people it ends with death.</p>
<p>I come from a middle class family. While my perspective is not the same as someone from a lower class family, I can see that the same patterns emerge from one class to the next. The things everyone truly cares about are pretty much the same. One persons&#8217; poor, is another persons&#8217; rich. The family we&#8217;re born into often defines the living standard by which we judge and perceive the world around us. But how different is the rich person from the poor person? Do they experience a different kind of happiness? A different kind of sadness? A different kind of love? How about hunger? Do rich and poor people get different feelings from laughter?</p>
<p>I speak as a single guy, with very few true responsibilities. I have no kids to take care of or family that needs to be looked after. I understand that my perspective and ideas may not apply to other situations. Nevertheless, there are many very happy families living with far less than the average family in the United States. Do they experience a lower quality happiness? When their kids laugh and play together, do they experience a lower quality joy? True happiness isn&#8217;t something that can be bought with money. </p>
<p>We&#8217;re all human. If we really want to be happy we need to look deep inside ourselves for happiness. It&#8217;s there. Everyone has it. No one person has less happiness-making-capacity than the next. It&#8217;s really tough to forget that all the material stuff around us, regardless of how much importance we place on it, really has nothing to do with our true happiness. That&#8217;s a tough pill to swallow when some of us work day and night to afford the stuff.</p>
<p>So what better way to find the true source of happiness than to strip yourself of all things material? I grew up in a relatively rural area, a small town in New Hampshire with a forest and a lake for a backyard. I was home schooled and spent most of my childhood outside exploring nature. When friends would visit for the first time, their impression would always be one of amazement. I never understood that. At least not until I moved away and lived in the city for two years. When I visited my parents on the weekends, I started to feel something I never felt before. Visiting my parents house, the very place I grew up, started to feel like going on vacation! I felt so much appreciation for the place.</p>
<p>That experience made me realize how the little things we take for granted can spoil our entire life. Have you ever come back from a camping trip and felt a little more grateful for having a shower? How about when the power comes back on after being out for more than a day? We should feel that way every minute of every day for the life we have. For working legs, eyes, hands, ears, and mouth. We should be grateful for every second that passes; for each beat of our heart, and each breath we take. </p>
<p>Take a deep breath of air right now. Close your eyes and fill your chest with life-giving air. Appreciate it a little more than you did the previous breath. Do it right now. I&#8217;ll wait.</p>
<p>Didn&#8217;t that feel good? You take an average of 20,000 of those <em>every single day</em>. That&#8217;s a lot to be grateful for! </p>
<p>I&#8217;ve decided to get rid of nearly all my material possessions because I know it will make me feel more grateful. I know it will enable me to see more clearly. We humans (yes, even modern ones) don&#8217;t need very much to survive. Food and shelter. That&#8217;s it. Most of us are fortunate enough to have working feet to help us travel, yet so few of us use them for real commuting. What about money? When we remove all modern-day comforts and really drill down to the bare necessities, we don&#8217;t need very much of that either. Of course how much money will differ depending on where we&#8217;re living, but most of us live <em>way</em> above necessity.</p>
<p>Find something you own that you haven&#8217;t used in over a month. Now find someone that you can give it to. Don&#8217;t worry about how much it cost you or why you originally bought it. You haven&#8217;t used it in over a month and you most likely won&#8217;t use it for the foreseeable future. Just find something and give it away. By giving it away you&#8217;ll not only build good karma, you&#8217;ll also feel a little more appreciative of all the stuff you currently have.</p>
<p>The more we have, the less we appreciate. The less we have, the more we appreciate. Do you want to appreciate more or less of life?</p>
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		<title>Making Money vs Spending Money</title>
		<link>http://raamdev.com/2008/making-money-vs-spending-money/</link>
		<comments>http://raamdev.com/2008/making-money-vs-spending-money/#comments</comments>
		<pubDate>Tue, 26 Feb 2008 03:47:39 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Life Philosophy]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://blog.raamdev.com/2008/02/25/making-money-vs-spending-money/</guid>
		<description><![CDATA[It&#8217;s so easy to spend money. So easy in fact that I catch myself thinking of new ways to spend money that I don&#8217;t even have. I won&#8217;t actually spend it, but I&#8217;ll plan what I would do if I had the money to spend. I realized I was doing that today when I was [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s so easy to spend money. So easy in fact that I catch myself thinking of new ways to spend money that I don&#8217;t even have. I won&#8217;t actually spend it, but I&#8217;ll plan what I would do if I had the money to spend.</p>
<p>I realized I was doing that today when I was trying to justify spending $60 a month for a <a href="http://blog.raamdev.com/2008/02/18/sprint-ex720-ev-do-expresscard-for-my-macbook-pro/">wireless Sprint card</a> to use on my laptop. When I realized what I was doing, I asked myself, &#8220;If it&#8217;s so easy to think of new ways to spend money that I don&#8217;t have, then why don&#8217;t I think of ways to make money I don&#8217;t need?&#8221;</p>
<p>What is it that makes spending money so easy and &#8220;fun&#8221; while making money is so difficult and boring? Is it because we associate the action of spending money with a feeling of contentment, while the action of making money is associated with hard work and frustration?</p>
<p>I often find myself wondering what the point of making money is if not to spend it. Perhaps I&#8217;m living too much <a href="http://blog.raamdev.com/2008/02/10/managing-trust-and-expectation/">in the moment</a> and not planning for the future &#8212; maybe because I expect to be able to handle whatever the future throws at me.</p>
<p>Then I&#8217;ll do <a href="http://blog.raamdev.com/2008/02/21/moving-to-a-new-office/">something</a> that immobilizes me to the point where I cannot run, jump, or do anything physically strenuous. I&#8217;ll watch a snowboarding commercial and get a glimpse of what it must feel like to be paralyzed for life; to know you&#8217;ll never be able to do certain things that others take for granted. I realize how important being financially stable with money set aside would help me live a better life. In that moment I make a promise to myself that I will be more grateful for life when I get better, only to later forget that feeling altogether and go back to being arrogantly confident that I&#8217;m invincible and that I will live forever.</p>
<p>What an idiot.</p>
<p>Money should not be thought of as an object that allows us to obtain something we don&#8217;t already have but rather as a resource which grants us certain freedoms and privileges. <strong>The more money we owe others (debts), the more they own us (assets).</strong> The more they own us, the less freedom we are privileged to.</p>
<p>Most of us maintain the misconception that we must spend money to make money. We believe that we must first sacrifice some of our own money before we can collect and take from others what they have. This just isn&#8217;t true. </p>
<p>When you work for someone, they give you money because you&#8217;re giving them something in return that is more valuable to them than the money they&#8217;re giving you (and when that ceases to be the case, you get fired). <strong>Making money isn&#8217;t about taking. Making money is about giving.</strong> The choices you make with your time and the ways in which you choose to give all determine the money you make. </p>
<p>So, how have you given today?</p>
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		<title>My Naked Body and Money</title>
		<link>http://raamdev.com/2007/my-naked-body-and-money/</link>
		<comments>http://raamdev.com/2007/my-naked-body-and-money/#comments</comments>
		<pubDate>Tue, 20 Feb 2007 17:52:20 +0000</pubDate>
		<dc:creator>Raam Dev</dc:creator>
				<category><![CDATA[Life Philosophy]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Insights]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<category><![CDATA[Minimalism]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Possessions]]></category>

		<guid isPermaLink="false">http://blog.raamdev.com/2007/02/20/my-naked-body-and-money/</guid>
		<description><![CDATA[We all need it. Some of us need more than others because we refuse to live a lifestyle less than what we&#8217;ve already become accustomed to &#8212; usually a lifestyle we were born into. What does it take to change your lifestyle to one that requires less? You&#8217;d think it would be rather simple, right? [...]]]></description>
			<content:encoded><![CDATA[<p>We all need it. Some of us need more than others because we refuse to live a lifestyle less than what we&#8217;ve already become accustomed to &#8212; usually a lifestyle we were born into. What does it take to change your lifestyle to one that requires less? You&#8217;d think it would be rather simple, right? It should be simple &#8212; how many different &#8220;things&#8221; do you actually use on a daily basis? Take a minute to think about it and add them up in your head: everything you use during an average day.</p>
<p>OK, now think about everything you own; down to the pen on your desk, toothbrush in your bathroom, even the clothes you&#8217;re wearing, stuff in your closet and that shoe box under your table. Imagine your body stripped naked and piled next to you is all the stuff that belongs to you; clothes, electronics, cars, houses, tools, food, <em>everything</em>. </p>
<p>I don&#8217;t know about you, but wow, that’s a pretty big pile next to me! Holy crap. How much of that stuff do I really use? I mean, if I were to actually use each thing for 1 minute, it would probably take me a couple of <em>weeks</em>, if not <em>months</em>, to use them all! There are several things, namely services, I couldn&#8217;t even include in that pile: my cable TV service, Internet service, propane gas, auto gas, cell phone service, email and web hosting services &#8212; the list goes on! If I were to take all of the physical infrastructure required for my services to exist and add them to that pile, the size of the pile would grow exponentially!</p>
<p>So I think I&#8217;ve made my point: there&#8217;s a lot of stuff we own, and clutter our life with, that we don&#8217;t actually <em>need</em>. OK, so that&#8217;s not going to change overnight. I justify a lot of what I own by telling myself it would be stupid to sell it all at a loss, when the smarter choice would be to reduce what&#8217;s unnecessary and maintain the rest. My three investment properties are a good example. As much of a struggle as it is to keep them, I know that in the long run they will solidify my financial future. Selling them now would cause me to loose money and I&#8217;d gain nothing in the long run (besides maybe some peace of mind, but that&#8217;s a whole other post in and of itself). </p>
<p>My recent (or rather continuing) financial troubles have made me rethink a lot about what I own and what I need to live. I have observed how habits are what cause much of the unnecessary spending (Starbucks) and discovered that breaking those habits can be incredibly difficult. Instead of breaking them, simply reducing their frequency seems to be the best solution. I feel that my spending habits have reached a turning point, a roller coaster resting at the crest of a track, inching towards the long drop into the trough.</p>
<p>When I&#8217;m in a tight spot and I don&#8217;t have enough money to pay bills, I&#8217;m constantly thinking about what I can do make more money. I&#8217;ve been brainstorming for the past few months about what could be done in my spare time to bring in extra cash. I ask myself, what makes a successful person and what have they done to become successful? I know for a fact that hard work makes people successful. But in this world of changing technologies and &#8220;work&#8221; that doesn&#8217;t require any physical labor, there is something to be said about those who simply outsmart the masses &#8212; who use their brains and figure out how to make money by using the tools technology has created; namely the Internet. </p>
<p>A friend of mine, who is several years younger than I, has come up with a business model that works very well. He&#8217;s making 2x &#8211; 3x as much money as I, working only a few hours a week. Compare that to my 75+ hour work weeks and you&#8217;ll probably be dying to know what he&#8217;s doing. Without going too much into detail, I can say that his business model works on a simple principle: bridging the technological generation gap between those who grew up without the Internet and those who use it for almost every aspect of their lives. There&#8217;s a generation of people whose only source of news comes from the daily newspaper. And then there&#8217;s the generation who uses the Internet on a daily basis and has possibly never bought a newspaper. The latter being a generation whose lives move at the speed of light, with information in many different forms, pouring in from every direction.</p>
<p>At the end of the day, I don&#8217;t take any money with me to bed. I don&#8217;t go to sleep with my car, computer, food, auto gas, or for that matter my house. I sleep in my house, but might I might as well be sleeping in a cardboard box. When I wake up, I wake up with nothing but the skin on my bones. I need a safe shelter to sleep in, yes, but even shelter is a lifestyle item we&#8217;ve grown accustomed to having. I know many people who could not live in a basement &#8212; I do, and I have no problem with it. For the past 6 years I have lived in either a basement or an attic, mainly because I don&#8217;t see the point in wasting money on a full size apartment when I can save money in something smaller (living at my parents house would simply be taking advantage of those to whom I already owe my very existence, so that&#8217;s out of the question). </p>
<p>When I was sitting in the 2 bedroom apartment of one of my rental units, I felt for a moment a sense of luxury. There was nothing luxurious about the place (luxurious, that is, to the average person living in the USA), but I felt as if that small 2 bedroom apartment was so beautiful, with all the light coming through the full size windows, high ceilings that I wasn&#8217;t able to reach up and touch, and a full size living room with separate, closed off bedrooms. I then realized it felt so luxurious to me because I&#8217;ve been living a lifestyle which doesn&#8217;t have those luxuries. Instead, I have learned to live with the open style basement or attic apartments, with low ceilings and few windows. I finally understood how grateful the people who actually have to live in cardboard boxes feel about simply having a solid roof above their heads. </p>
<p>The more I understand the driving force behind money, the more disgusted I become with myself and all that is wasted. If a human life is the standard with which we measure the value of material things, where does that leave the person who consumes the equivalent of 100 humans? Does that make the person morally obligated to support the very existence of that number of people? And if he doesn&#8217;t directly support them does that mean he is committing, on a daily basis, one of the worst crimes known to man &#8212; <strong>murder</strong>?</p>
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