Two Birthday Wishes

Today is my 49th birthday and what better way to spend it than blogging! Okay, I have other plans, so I have lifted from a post I wrote a couple of years ago. Forgive me.

I have two requests for you to consider on this auspicious day – one self-serving and the other philanthropic:

1) If you have read any of my novels, please pop over to Amazon.com (or Amazon.co.uk if you reside over the pond) and leave a review. I am less than 100 days from the release of my next epic fantasy novel so any review for Books 1 or 2, or my social justice novels, would help lay a great foundation for my next launch.

2) Consider a small investment at KIVA, a micro-loan non-profit that empowers the most impoverished to climb out of the poverty spiral in a sustainable and successful way. It truly is a remarkable agency. Below is an edited version of what I wrote a while back.

We can change the world. The problem is that there is so much to do, it can just feel so overwhelming. A few weeks ago my eldest son (then 11) and I saw a newspaper article with a multimillion dollar lottery winner. “Imagine how that could change your life,” I muttered.

My son decided to fantasize what we would do with a few million dollars. Admittedly, owning our own house, replacing our shuddering geriatric car, and a basketball backboard came first.

But then he began talking of projects to help people. We had recently met someone who runs a bakery on the East Coast that employs homeless and impoverished people. My next novel, Unwanted Heroes, is about homeless war veterans and my son began to describe how we could create a similar project for such people in San Francisco. As all youngsters do, he soon got caught up in the details.

I told him how a learned Jewish medieval scholar, Maimonides, had created a pyramid of different levels of giving. Providing someone with a skill and a means to support themselves and their family is considered the highest form of giving in Judaism.

This brings me to KIVA, a non-profit micro-finance bank that raises money through small gifts to help people invest in family or community enterprises. These are essentially loans, though the donors often reinvest the money back into Kiva. For more on the mechanics of micro-finance, click here.

For just $25, you can help a father of four in Tanzania set up a coffee shop, or a woman in India establish a juice bar. It is truly inspiring. Recently, I was invited to two birthday celebrations. The celebrants requested either not to receive gifts, or to donate to a charity in their name. I had a great time investing in Kiva on their behalf.

Join me to help change the world – one birthday gift at a time. Thank you.

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Alon Shalev writes social justice-themed novels and YA epic fantasy. He swears there is a connection. His latest books include: Unwanted Heroes and the 2013 Eric Hoffer Book Award for YA – At The Walls Of Galbrieth. Alon tweets at @alonshalevsf and @elfwriter.   For more about the author, check out his website.

 

List of Shame: The 1%’ers Who Dodge Taxes

Let me be clear from the start: this post is not about all those who occupy (excuse the pun) the top 1% of our nation in terms of wealth. This is about those who pay taxes annually to the tune of $1. There are many who worked hard to amass their wealth and are incredibly philanthropic. As the director of a non-profit, I have been honored with many opportunities to meet and work with such people.

These generous people are propelled by a moral code and take a meaningful portion of their money and time to promote social justice issues, to support those in our society who need help – the elderly, the poor, the homeless etc., and provide cultural and educational opportunities that might not be business-viable without such support. This article is NOT about them. I am sure they pay their taxes, understanding that the services they receive – an army to defend them, a police force, fire and emergency response force, the roads they drive on, the street lights…do I need to go on?

But unfortunately there are those billionaires who seem to take pride out of not paying their taxes. These people manage to show a salary of $1. They include such individuals as Eric Schmidt and Larry Page (both Google), Steve Jobs (Apple) from 1997 until his death last year, Larry Ellison (Oracle) and Meg Whitman (Hewlett-Packard). And apparently, recently wed and start-up-turned-public Mark Zuckerberg (Facebook) is about to join this shameful club.

Ironically, these ‘poor’ folk might actually be eligible to receive the kind of government aid that is available for low-income populations. If they keep their personal income under $13,000 they would be able to apply for an Earned Income Tax Credit. While I am sure they won’t collect on this, I hope they appreciate that the taxpayers provide this safety net, but they probably won’t.

There are many ways to ensure that you can live the lifestyle of the super-rich, amass wealth, and not pay taxes. One of these, for example is to hold multiple home equity loans, which is (I think) borrowing money against the values of many of your homes and property. This is debt and therefore not taxable, but it is money for them to jet around and live the life they want. In a country where good folk are losing their homes (their only homes) to foreclosure, isn’t this ironic? There are many other ways and I am not the person to expound on them.

Let us assume that one day the Zukerbergs decide to purchase an island in the Caribbean. Most people who show an income of $1 might be more inclined to buy food, clothes, medical insurance etc., but someone with significant net worth need only cash in a few shares (Facebook anyone?) to make the purchase. For sure, he might have to pay 15% capital gains taxes, but ain’t life a bitch.

To be perfectly clear (once again), I do not resent these people their wealth. I have a deep respect for the philanthropists that I have a relationship with. But I believe in paying taxes and I want everyone who can afford it to pay their share and pay it with grace.

Those billionaires who take pride out of cheating (yes, cheating) our society out of their taxes are screwing not only those of us who pay taxes today, but also failing to help prevent the nation accumulate debt that our children will be saddled with.

For some reason, what hurts even more, is that these people are paying more money for financial advice that helps them avoid tax exposure than I earn in a year…before I pay my taxes.

I work hard for my salary and pay my taxes as I should. I have a right to be angry.

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Alon Shalev is the author of The Accidental Activist and A Gardener’s Tale. He is the Executive Director of the San Francisco Hillel Foundation, a non-profit that provides spiritual and social justice opportunities to Jewish students in the Bay Area. More on Alon Shalev at http://www.alonshalev.com/ and on Twitter (@alonshalevsf).