TRUE VALUE ACCOUNTING (TVA) IS THE FRAMEWORK NEEDED FOR BETTER METRICS. TVA is a data architecture and framework for better metrics that will make it easier and less costly to include IMPACT on SOCIETY (PEOPLE) and IMPACT on ENVIRONMENT (PLANET) into integrated reporting in a way that is as rigorous as what is used in conventional double entry financial accounting for PROFIT and the WEALTH of OWNERS. When there is a logical framework, then it becomes much easier to have coherent and meaningful reporting.
TVA WHAT IS TVA? THE FRAMEWORK WE NEED FOR BETTER METRICSPeter Burgess
TVA is a data architecture and framework for better metrics that will make it easier and less costly to include IMPACT on SOCIETY (PEOPLE) and IMPACT on ENVIRONMENT (PLANET) into integrated reporting in a way that is as rigorous as what is used in conventional double entry financial accounting for PROFIT and the WEALTH of OWNERS. When there is a logical framework, then it becomes much easier to have coherent and meaningful reporting.
TVA p3 The GLOBAL SOCIO ENVIRO ECONOMIC SystemPeter Burgess
The Global SOCIO-ENVIRO-ECONOMIC System is a very complex system and a significant challenge to manage in an effective way. While there has been progress in improving quality of life for many people using the metrics of money, the system leaves many behind. Worse, a system that only has focus on money economics means that progress is achieved at the expense of some segments of society and at a huge cost to the environment , neither of which are part of the dominant money metrics framework. True Value Accounting brings people (society) and planet (environment) into the accounting and accountability in a way that is as rigorous for these elements as it is for money.
TVA-PRESENTATION-DRAFT-B ... This is a working draft of a presentation being prepared to promote the True Value Accounting initiative. This version will most likely change substantially before it is used.
TVA p3 00 True Value Accounting for better Triple Bottom Line managementPeter Burgess
The Triple Bottom Line ... PEOPLE, PLANET and PROFIT ... is being talked about more and more, but the system of metrics used in to manage corporate performance remains based on conventional money profit double entry accountancy. This works very well for corporate profit performance and the money dimension of the socio-enviro-economic system, but totally ignores the important everything to do with the prosperity of people, the health of the society and the sustainability of the natural systems. True Value Accounting is designed to be as rigorous about impact on people / society and impact on environment / nature / planet as conventional accounting is rigorous about money transactions and profit.
TVA WHAT IS TVA? THE FRAMEWORK WE NEED FOR BETTER METRICSPeter Burgess
TVA is a data architecture and framework for better metrics that will make it easier and less costly to include IMPACT on SOCIETY (PEOPLE) and IMPACT on ENVIRONMENT (PLANET) into integrated reporting in a way that is as rigorous as what is used in conventional double entry financial accounting for PROFIT and the WEALTH of OWNERS. When there is a logical framework, then it becomes much easier to have coherent and meaningful reporting.
TVA p3 The GLOBAL SOCIO ENVIRO ECONOMIC SystemPeter Burgess
The Global SOCIO-ENVIRO-ECONOMIC System is a very complex system and a significant challenge to manage in an effective way. While there has been progress in improving quality of life for many people using the metrics of money, the system leaves many behind. Worse, a system that only has focus on money economics means that progress is achieved at the expense of some segments of society and at a huge cost to the environment , neither of which are part of the dominant money metrics framework. True Value Accounting brings people (society) and planet (environment) into the accounting and accountability in a way that is as rigorous for these elements as it is for money.
TVA-PRESENTATION-DRAFT-B ... This is a working draft of a presentation being prepared to promote the True Value Accounting initiative. This version will most likely change substantially before it is used.
TVA p3 00 True Value Accounting for better Triple Bottom Line managementPeter Burgess
The Triple Bottom Line ... PEOPLE, PLANET and PROFIT ... is being talked about more and more, but the system of metrics used in to manage corporate performance remains based on conventional money profit double entry accountancy. This works very well for corporate profit performance and the money dimension of the socio-enviro-economic system, but totally ignores the important everything to do with the prosperity of people, the health of the society and the sustainability of the natural systems. True Value Accounting is designed to be as rigorous about impact on people / society and impact on environment / nature / planet as conventional accounting is rigorous about money transactions and profit.
TVA ... True Value Accounting is a method of accounting that embraces everything that matters, and part of this is the ability to look at data from all perspectives. The data refers to a 'fact' but this fact has different ramifications depending on where the observer is situated. A high salary is good for the individual but bad for profit. High efficiency pollution controls are good for the environment but bad for profit. The same data suggests different priorities depending on the goals of the observer. Optimizing performance in a system that is complex is not easy, but taking into consideration the impact of each and every actor in the system will help.
MDIA ... Multi Dimension Impact Accounting ... is not only multi dimensional but also multi perspective. A framework of data analysis and decision making for the 21st century needs to be comprehensive and coherent ... and this is how MDIA is designed. It is not enough to focus on the money profit performance of the business and corporate sector. The challenge is to enable decision making that takes into consideration both the business and corporate sector AND the social impact (people) AND the environment (planet). A system of metrics that does all of this is long overdue, but they are emerging and they will be game changers.
TVA ... True Value Accounting is a method of accounting that embraces everything that matters, and part of this is the ability to look at data from all perspectives. The data refers to a 'fact' but this fact has different ramifications depending on where the observer is situated. A high salary is good for the individual but bad for profit. High efficiency pollution controls are good for the environment but bad for profit. The same data suggests different priorities depending on the goals of the observer. Optimizing performance in a system that is complex is not easy, but taking into consideration the impact of each and every actor in the system will help.
TVA p3 01 The Global SOCIO ENVIRO ECONOMIC SystemPeter Burgess
The Global SOCIO-ENVIRO-ECONOMIC System is a complex system and a significant challenge to manage in an appropriate way. While there has been progress in improving quality of life for some people using the metrics of money, it has been done at the expense of some segments of society and at a huge cost to the environment , neither of which are part of the money metrics framework.
True Value Accounting for Multi Dimension Management is an initiative to make it possible to use better metrics so that we have better outcomes for both people and the environment. The initiative is built on top of the methods traditionally associated with conventional double entry accountancy, but applied to everything that makes up the complex ubiquitous socio-enviro-economic system. We have amazing possibilities, but as long as money and greed are the dominant incentive with nothing else of importance being measured, it should be no surprise that the world is suffering from an accelerating race to the bottom. This can be changed, and one of the tools for this should be better metrics along the lines being described by TrueValueMetrics.org. Peter Drucker famously said: 'You manage what you measure', but it is also important to measure the things that matter.
SIZE MATTERS 4 ... PERSPECTIVES
A workshop at MIT to link mathematics with the realities of a very complex global integrated socio-enviro-economic system that has been very badly served by money as a metric and a dangerously simplified financial system.
MDIA ... Multi Dimension Impact Accounting ... is not only multi dimensional but also multi perspective. A framework of data analysis and decision making for the 21st century needs to be comprehensive and coherent ... and this is how MDIA is designed. It is not enough to focus on the money profit performance of the business and corporate sector. The challenge is to enable decision making that takes into consideration both the business and corporate sector AND the social impact (people) AND the environment (planet). A system of metrics that does all of this is long overdue, but they are emerging and they will be game changers.
Multi Dimension Impact Accounting (MDIA) is a framework of metrics that starts off with conventional money based double entry accounting and brings in all the important things that impact society (people) and the environment (planet). MDIA has multiple perspectives rather than simply having a business focus. People matter and environment matters just as much, if not more than business and profit. As Peter Drucker said, you manage what you measure!
TVA p301 CORE CONCEPTS for TRUE VALUE ACCOUNTING Peter Burgess
True Value Accounting is based on CORE CONCEPTS from conventional money profit double entry accounting as well as from engineering thermodynamics, control theory and various scientific disciplines. Double entry accounting provides a powerful framework to account for impact on society (people) and environment (planet) as well as for the conventional money profit dimension of economics. When we start to number important things like quality of life and degradation of the environment as rigorously as we number everything that is in the money profit space, there will be significantly better performance and we will start to optimize for everything in the socio-enviro-economic system
TVA p3-01 CORE CONCEPTS for TRUE VALUE ACCOUNTINGPeter Burgess
True Value Accounting is based on CORE CONCEPTS from conventional money profit double entry accounting as well as from engineering thermodynamics, control theory and various scientific disciplines. Double entry accounting provides a powerful framework to account for impact on society (people) and environment (planet) as well as for the conventional money profit dimension of economics. When we start to number important things like quality of life and degradation of the environment as rigorously as we number everything that is in the money profit space, there will be significantly better performance and we will start to optimize for everything in the soci-enviro-economic system
TVA-PRESENTATION-DRAFT-B ... This is a working draft of a presentation being prepared to promote the True Value Accounting initiative. This version will most likely change substantially before it is used.
SIZE MATTERS 1 ... OVERVIEW
A workshop at MIT to link mathematics with the realities of a very complex global integrated socio-enviro-economic system that has been very badly served by money as a metric and a dangerously simplified financial system.
TVA p3 00 WHY SOCIETY NEEDS BETTER METRICS 151005Peter Burgess
WHY society needs better metrics ... because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction.
Multi Dimension Impact Accounting (MDIA) is a framework of metrics that starts off with conventional money based double entry accounting and brings in all the important things that impact society (people) and the environment (planet). MDIA has multiple perspectives rather than simply having a business focus. People matter and environment matters just as much, if not more than business and profit. As Peter Drucker said, you manage what you measure!
MDIA p3 00 WHY SOCIETY NEEDS BETTER METRICSPeter Burgess
Society needs better metrics because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction. The system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics. system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics, and, as Peter Drucker famously said, you manage what you measure!
TVA p3-01 WHY SOCIETY NEEDS BETTER METRICSPeter Burgess
Society needs better metrics because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction. The system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics, and, as Peter Drucker famously said, you manage what you measure!
TVA p3 00 TRUE VALUE ACCOUNTING for Triple Bottom Line reportingPeter Burgess
TRUE VALUE ACCOUNTING (TVA) is designed to make reporting of TRIPLE BOTTOM LINE performance easier, less costly and more effective. TVA is based on key concepts from conventional double entry accounting, but expands the methodology so that it embraces externalities as rigorously as regular money transactions.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
TVA ... True Value Accounting is a method of accounting that embraces everything that matters, and part of this is the ability to look at data from all perspectives. The data refers to a 'fact' but this fact has different ramifications depending on where the observer is situated. A high salary is good for the individual but bad for profit. High efficiency pollution controls are good for the environment but bad for profit. The same data suggests different priorities depending on the goals of the observer. Optimizing performance in a system that is complex is not easy, but taking into consideration the impact of each and every actor in the system will help.
MDIA ... Multi Dimension Impact Accounting ... is not only multi dimensional but also multi perspective. A framework of data analysis and decision making for the 21st century needs to be comprehensive and coherent ... and this is how MDIA is designed. It is not enough to focus on the money profit performance of the business and corporate sector. The challenge is to enable decision making that takes into consideration both the business and corporate sector AND the social impact (people) AND the environment (planet). A system of metrics that does all of this is long overdue, but they are emerging and they will be game changers.
TVA ... True Value Accounting is a method of accounting that embraces everything that matters, and part of this is the ability to look at data from all perspectives. The data refers to a 'fact' but this fact has different ramifications depending on where the observer is situated. A high salary is good for the individual but bad for profit. High efficiency pollution controls are good for the environment but bad for profit. The same data suggests different priorities depending on the goals of the observer. Optimizing performance in a system that is complex is not easy, but taking into consideration the impact of each and every actor in the system will help.
TVA p3 01 The Global SOCIO ENVIRO ECONOMIC SystemPeter Burgess
The Global SOCIO-ENVIRO-ECONOMIC System is a complex system and a significant challenge to manage in an appropriate way. While there has been progress in improving quality of life for some people using the metrics of money, it has been done at the expense of some segments of society and at a huge cost to the environment , neither of which are part of the money metrics framework.
True Value Accounting for Multi Dimension Management is an initiative to make it possible to use better metrics so that we have better outcomes for both people and the environment. The initiative is built on top of the methods traditionally associated with conventional double entry accountancy, but applied to everything that makes up the complex ubiquitous socio-enviro-economic system. We have amazing possibilities, but as long as money and greed are the dominant incentive with nothing else of importance being measured, it should be no surprise that the world is suffering from an accelerating race to the bottom. This can be changed, and one of the tools for this should be better metrics along the lines being described by TrueValueMetrics.org. Peter Drucker famously said: 'You manage what you measure', but it is also important to measure the things that matter.
SIZE MATTERS 4 ... PERSPECTIVES
A workshop at MIT to link mathematics with the realities of a very complex global integrated socio-enviro-economic system that has been very badly served by money as a metric and a dangerously simplified financial system.
MDIA ... Multi Dimension Impact Accounting ... is not only multi dimensional but also multi perspective. A framework of data analysis and decision making for the 21st century needs to be comprehensive and coherent ... and this is how MDIA is designed. It is not enough to focus on the money profit performance of the business and corporate sector. The challenge is to enable decision making that takes into consideration both the business and corporate sector AND the social impact (people) AND the environment (planet). A system of metrics that does all of this is long overdue, but they are emerging and they will be game changers.
Multi Dimension Impact Accounting (MDIA) is a framework of metrics that starts off with conventional money based double entry accounting and brings in all the important things that impact society (people) and the environment (planet). MDIA has multiple perspectives rather than simply having a business focus. People matter and environment matters just as much, if not more than business and profit. As Peter Drucker said, you manage what you measure!
TVA p301 CORE CONCEPTS for TRUE VALUE ACCOUNTING Peter Burgess
True Value Accounting is based on CORE CONCEPTS from conventional money profit double entry accounting as well as from engineering thermodynamics, control theory and various scientific disciplines. Double entry accounting provides a powerful framework to account for impact on society (people) and environment (planet) as well as for the conventional money profit dimension of economics. When we start to number important things like quality of life and degradation of the environment as rigorously as we number everything that is in the money profit space, there will be significantly better performance and we will start to optimize for everything in the socio-enviro-economic system
TVA p3-01 CORE CONCEPTS for TRUE VALUE ACCOUNTINGPeter Burgess
True Value Accounting is based on CORE CONCEPTS from conventional money profit double entry accounting as well as from engineering thermodynamics, control theory and various scientific disciplines. Double entry accounting provides a powerful framework to account for impact on society (people) and environment (planet) as well as for the conventional money profit dimension of economics. When we start to number important things like quality of life and degradation of the environment as rigorously as we number everything that is in the money profit space, there will be significantly better performance and we will start to optimize for everything in the soci-enviro-economic system
TVA-PRESENTATION-DRAFT-B ... This is a working draft of a presentation being prepared to promote the True Value Accounting initiative. This version will most likely change substantially before it is used.
SIZE MATTERS 1 ... OVERVIEW
A workshop at MIT to link mathematics with the realities of a very complex global integrated socio-enviro-economic system that has been very badly served by money as a metric and a dangerously simplified financial system.
TVA p3 00 WHY SOCIETY NEEDS BETTER METRICS 151005Peter Burgess
WHY society needs better metrics ... because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction.
Multi Dimension Impact Accounting (MDIA) is a framework of metrics that starts off with conventional money based double entry accounting and brings in all the important things that impact society (people) and the environment (planet). MDIA has multiple perspectives rather than simply having a business focus. People matter and environment matters just as much, if not more than business and profit. As Peter Drucker said, you manage what you measure!
MDIA p3 00 WHY SOCIETY NEEDS BETTER METRICSPeter Burgess
Society needs better metrics because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction. The system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics. system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics, and, as Peter Drucker famously said, you manage what you measure!
TVA p3-01 WHY SOCIETY NEEDS BETTER METRICSPeter Burgess
Society needs better metrics because the complex modern global socio-enviro-economic system is not achieving sustainable results. The data are clear that the singular focus on profit for the corporation and wealth for owners is not giving a good result for most people nor the environment. Better metrics will be a start to solving this problem of systemic dysfunction. The system is complex. There is no perfect answer, but it is possible to achieve a better world by getting a large number of people to make better decisions. A starting point for that is better metrics, and, as Peter Drucker famously said, you manage what you measure!
TVA p3 00 TRUE VALUE ACCOUNTING for Triple Bottom Line reportingPeter Burgess
TRUE VALUE ACCOUNTING (TVA) is designed to make reporting of TRIPLE BOTTOM LINE performance easier, less costly and more effective. TVA is based on key concepts from conventional double entry accounting, but expands the methodology so that it embraces externalities as rigorously as regular money transactions.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
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2. CONTEXT
This slideset is a Work-in-Progress
and will be updated from time to time.
It is part of a series that aims to
describe the extremely complex
socio-enviro-economic system that
we live in, and how better metrics will
make this system work better.
TRUE VALUE ACCOUNTING
3. The GOAL is to design and
deploy a system of metrics for
management that accounts for
impact on people and planet as
rigorously as double entry
accounting accounts for money
transactions that impact profit
MULTI DIMENSION IMPACT ACCOUNTING
4. MULTI DIMENSION IMPACT ACCOUNTING
The first step is to design and
develop a data architecture that is
congruent with the realities of the
modern very complex global
socio-enviro-economic system.
5. To manage effectively there must
be METRICS for ALL the elements
of the system.
MULTI DIMENSION IMPACT ACCOUNTING
6. The following is an old slide that
crudely represents the totality of
the socio-enviro-economic system
showing beginning of period state
(BOP), then activities and then the
end of period state (EOP).
MULTI DIMENSION IMPACT ACCOUNTING
8. The problem is that conventional
financial accounting and top
level economic metrics only
measure this small part of the
total system …
MULTI DIMENSION IMPACT ACCOUNTING
10. We need a system that tracks
impact on ALL the components of
the system …
MULTI DIMENSION IMPACT ACCOUNTING
11. We need a system where IMPACT
on PEOPLE and PLANET are as
important as PROFIT performance
of the organization and the
WEALTH of owners …
MULTI DIMENSION IMPACT ACCOUNTING
12. We need a system that will enable
better management of everything
that matters …
MULTI DIMENSION IMPACT ACCOUNTING
13. We need a system that is really
easy to use …
MULTI DIMENSION IMPACT ACCOUNTING
14. We need a system that does not
cost very much …
MULTI DIMENSION IMPACT ACCOUNTING
15. We need a system that takes full
advantage of what we already
know …
MULTI DIMENSION IMPACT ACCOUNTING
16. We need a system that allows
data to be summarized easily and
still be meaningful …
MULTI DIMENSION IMPACT ACCOUNTING
17. We need a system that allows for
easy 'drill down' to disaggregated
data that can be used for timely
decision making and rapid action
where it can do the most good …
MULTI DIMENSION IMPACT ACCOUNTING
18. We need a system where the
PERSPECTIVES of ALL the actors
in the system are taken into
consideration …
MULTI DIMENSION IMPACT ACCOUNTING
19. The double entry construct of
conventional double entry
accounting is a good starting
point …
MULTI DIMENSION IMPACT ACCOUNTING
20. Double entry accounting enables
STATE and FLOW to be accounted
for in a very simple and effective
manner …
MULTI DIMENSION IMPACT ACCOUNTING
21. State … B/S (BOP)
Flow … P&L
New State … B/S (EOP)
MULTI DIMENSION IMPACT ACCOUNTING
BOP … Beginning of Period
EOP … End of Period
B/S … Balance Sheet
P&L … Profit and Loss Account
22. These 3 slides show how simple
and powerful this idea can be …
MULTI DIMENSION IMPACT ACCOUNTING
26. These reflect respectively …
● Steady State;
● Positive Progress; and
● Deterioration of State
MULTI DIMENSION IMPACT ACCOUNTING
27. PROGRESS is measured simply
by reference to the CHANGE in
STATE over time.
MULTI DIMENSION IMPACT ACCOUNTING
28. There is no need for detailed
information about ACTIVITIES in
order to measure PROGRESS
Change in STATE is the measure
of PROGRESS and relatively easy
to measure.
MULTI DIMENSION IMPACT ACCOUNTING
29. State, Progress and Performance
● State is the Balance Sheet of the entity at a
moment in time;
● Progress may be measured by comparing
the Balance Sheet changes between the
beginning and the end of the period;
● Performance is a measurement that relates
the Progress to the resources consumed.
MULTI DIMENSION IMPACT ACCOUNTING
31. This is VERY powerful ...
MULTI DIMENSION IMPACT ACCOUNTING
32. BUT … when this is ONLY done
for MONEY PROFIT optimization,
the potentially huge collateral
damage to PEOPLE and PLANET
is ignored …
MULTI DIMENSION IMPACT ACCOUNTING
33. Without “numbering” IMPACT (the
externalities), then the IMPACT on
PEOPLE and PLANET will be
ignored in mainstream decision
making … with dangerous
consequences!
MULTI DIMENSION IMPACT ACCOUNTING
34. TRUE VALUE ACCOUNTING
Peter Drucker, a well known
management guru famously said:
“You can't manage
what you don't measure”
35. It can also be said that:
“If you want to change the way the game
is played, you must change the way the
game is scored”
MULTI DIMENSION IMPACT ACCOUNTING
36. There are 3 segments in the
socio-enviro-economic system:
… PEOPLE
… MAN BUILT EVERYTHING
… NATURE
MULTI DIMENSION IMPACT ACCOUNTING
37. The world should have:
… a flourishing people segment;
… efficient man built activities;
… and nature not being stressed
MULTI DIMENSION IMPACT ACCOUNTING
41. Rather there must be:
● PEOPLE progressing
● MBC* efficient
● PLANET healthy
MULTI DIMENSION IMPACT ACCOUNTING
* Man Built Capital … Man Built Structures and Systems
43. MULTI DIMENSION IMPACT ACCOUNTING
Fundamentals of the Socio-Enviro-Economic System
Human
Capital
Man Built
Capital
Natural
Capital
44. MULTI DIMENSION IMPACT ACCOUNTING
Fundamentals of the Socio-Enviro-Economic System
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Man Built
Capital
Natural
Capital
Human
Capital
Split out Financial
Capital from other
components of
Man Built Capital
45. MULTI DIMENSION IMPACT ACCOUNTING
Fundamentals of the Socio-Enviro-Economic System
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
SunSun
Man Built
Capital
Natural
Capital
Sun
Human
Capital
Add Sun … the
source of all energy
Split out Financial
Capital from other
components of
Man Built Capital
46. MULTI DIMENSION IMPACT ACCOUNTING
Fundamentals of the Socio-Enviro-Economic System
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
SunSunSun
Man Built
Capital
Natural
Capital
Sun
Human
Capital
Add Sun … the
source of all energy
Split out Financial
Capital from other
components of
Man Built Capital
Reorder because
Financial Capital
metrics exist
47. MULTI DIMENSION IMPACT ACCOUNTING
Sun
STATE … Beginning of Period - BOP STATE … End of Period - EOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
FLOWS*
ACTIVITIES*
PROCESSES*
* Any amount of complexity … STATE remains simple
48. MULTI DIMENSION IMPACT ACCOUNTING
Sun
Fundamentals of the Socio-Enviro-Economic SystemBOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
EOP
BOP = Beginning of Period STATE
EOP = End of Period STATE
PROGRESS is Change in STATE during the period.
ALL the elements of the BOP and EOP
STATES need to be quantified
49. MULTI DIMENSION IMPACT ACCOUNTING
Sun
Fundamentals of the Socio-Enviro-Economic SystemBOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
EOP
Any number of activities may take place during a period.
They may be extremely complex and interconnected, but
PROGRESS is still measured by CHANGE in STATE.
50. MULTI DIMENSION IMPACT ACCOUNTING
Sun
Fundamentals of the Socio-Enviro-Economic SystemBOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
EOP
PERFORMANCE is measured by relating PROGRESS
achieved with the RESOURCES consumed.
How much is Human Capital increased and how much
are Financial, Man Built and Natural Capital diminished
51. Conventional money profit
accounting works very well for
financial performance … that is
impact on corporate profits and
stock value.
MULTI DIMENSION IMPACT ACCOUNTING
52. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
Financial Accounts describe Financial Impact
Financial Costs
Financial Profit
Financial Revenues
Financial
Balance
Sheet
BOP
Financial
Balance
Sheet
EOP
Balance
Sheet
Changes
53. But something more complete is
needed … something that
embraces IMPACT on SOCIETY
(PEOPLE) and ENVIRONMENT
(PLANET) in a way that Is both
easy and rigorous …
MULTI DIMENSION IMPACT ACCOUNTING
54. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
Financial Accounts describe Financial Impact
Financial Costs
Financial Profit
Financial Revenues
Financial
Balance
Sheet
BOP
Financial
Balance
Sheet
EOP
Impact Accounts reflect Externalities
Balance
Sheet
Changes
Impact on Institutions
Impact on People
Impact on Society
Impact on Physical
Impact on Knowledge
Impact on Resources
Impact on Environment
Impact on EcoSystem
Balance
Sheet
Changes
Balance
Sheet
Changes
Balance
Sheet
Changes
55. … the reporting envelope needs
to be redefined so that IMPACT is
inside the reporting envelope …
MULTI DIMENSION IMPACT ACCOUNTING
56. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun SunSun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
Financial Accounts describe Financial Impact
Financial Costs
Financial Profit
Financial Revenues
Financial
Balance
Sheet
BOP
Financial
Balance
Sheet
EOP
Impact Accounts reflect Externalities
Balance
Sheet
Changes
Balance
Sheet
Changes
Balance
Sheet
Changes
Balance
Sheet
Changes
Impact on Institutions
Impact on People
Impact on Society
Impact on Physical
Impact on Knowledge
Impact on Resources
Impact on Environment
Impact on EcoSystem
57. The financial profit and loss
account for an organization has a
lot of performance information …
MULTI DIMENSION IMPACT ACCOUNTING
58. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
FINANCIAL
P&L ACCOUNT
REVENUES
Products Sold X Price
Products Bought X Price
Energy Bought X Price
Employee Benefits
Employee Payroll
Other expenditures
Asset use costs
Depreciation
Financial expenses
Pro-good expenditures
Taxation
PROFIT
COSTS
FINANCIAL ACCOUNTING
59. Positive IMPACT not accounted
for needs to be added in …
MULTI DIMENSION IMPACT ACCOUNTING
60. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
REVENUES
Products Sold X Price
VALUE to buyer
Equals
HUMAN CAPITAL ADD
Wages and benefits
What value to
employee?
Pro-good expenditures
What value to society?
Taxation
Funds government.
Good value to society.
POSITIVE
IMPACT NOT
ACCOUNTED
FOR
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
FINANCIAL
P&L ACCOUNT
REVENUES
Products Sold X Price
Products Bought X Price
Energy Bought X Price
Employee Benefits
Employee Payroll
Other expenditures
Asset use costs
Depreciation
Financial expenses
Pro-good expenditures
Taxation
PROFIT
COSTS
FINANCIAL ACCOUNTING PLUS GOOD IMPACT
61. … and negative IMPACT needs to
be brought into account …
MULTI DIMENSION IMPACT ACCOUNTING
62. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
For products and
energy bought
and this process
Free use of the
commons and
public services
& infrastructure
Degradation
of land
Water scarcity
and degradation
Air pollution:
Impact on people
Air pollution:
Impact on climate
Air pollution:
Impact on people
Solid waste
Resource
depletion
Environmental
Degradation
Negative
impact
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
FINANCIAL
P&L ACCOUNT
REVENUES
Products Sold X Price
Products Bought X Price
Energy Bought X Price
Employee Benefits
Employee Payroll
Other expenditures
Asset use costs
Depreciation
Financial expenses
Pro-good expenditures
Taxation
PROFIT
COSTS
FINANCIAL ACCOUNTING LESS BAD IMPACT
63. MDIA impact accounts include
profit performance and impact
arising both for PEOPLE and
PLANET ...
MULTI DIMENSION IMPACT ACCOUNTING
64. MULTI DIMENSION IMPACT ACCOUNTING
Sun
BOP EOP
REVENUES
Products Sold X Price
VALUE to buyer
Equals
HUMAN CAPITAL ADD
Wages and benefits
What value to
employee?
Pro-good expenditures
What value to society?
Taxation
Funds government.
Good value to society.
For products and
energy bought
and this process
Free use of the
commons and
public services
& infrastructure
Degradation
of land
Water scarcity
and degradation
Air pollution:
Impact on people
Air pollution:
Impact on climate
Air pollution:
Impact on people
Solid waste
Resource
depletion
Environmental
Degradation
POSITIVE
IMPACT NOT
ACCOUNTED
FOR
Negative
impact
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun Sun
Financial
Capital
Human
Capital
Man Built
Capital
Natural
Capital
Sun
FINANCIAL
P&L ACCOUNT
REVENUES
Products Sold X Price
Products Bought X Price
Energy Bought X Price
Employee Benefits
Employee Payroll
Other expenditures
Asset use costs
Depreciation
Financial expenses
Pro-good expenditures
Taxation
PROFIT
COSTS
FINANCIAL ACCOUNTING PLUS GOOD & BAD
65. FINAL THOUGHT …
This slideset outlines the basic
idea of True Value Accounting,
but the devil is in the detail.
Check out more of our slidesets
to see how these ideas work out
in various settings.
MULTI DIMENSION IMPACT ACCOUNTING
66. REMINDER
This slideset is A WORK-IN-PROGRESS. It will be
upgraded periodically. It is part of a series of more than
100 slidesets. Navigation to these is available here:
http://www.truevaluemetrics.org/DBadmin/DBtxt001.php?vv1=N1-Slidesets-p3
More about the True Value Metrics initiative is at:
http://www.truevaluemetrics.org/DBadmin/DBtxt001.php?vv1=list0100-MainNav
FEEDBACK is welcome. Please email to Peter Burgess …
peterbnyc@gmail.com … with a catchy phrase in the
subject line so that it gets attention, and please identify
the specific slideset(s) or webpage involved.
TRUE VALUE ACCOUNTING
67. THANK YOU
Some links and contact information:
Email Peter Burgess … peterbnyc@gmail.com
Peter Burgess LinkedIn profile
https://www.linkedin.com/in/peterburgess1
Link to TrueValueMetrics.org website
http://www.truevaluemetrics.org/
Link to navigation to other resources:
http://www.truevaluemetrics.org/DBadmin/DBtxt001.php?vv1=list0100-MainNav#1
TRUE VALUE ACCOUNTING