Black History

Below is a copy of the entire Greater Giving (formerly AuctionPay) contract effective for the year 2008. There are great many areas of concern for nonprofits. My article relates to the copy of the Greater Giving contract found below my article.


A copy of Greater Giving's Client contract was recently forwarded to me by a nonprofit. Greater Giving's main focus, for those of you who do not know, is the business of providing point of payment processing (credit card terminals) to nonprofits and charities. Greater Giving also purchased an auction software company a few years ago, formerly known as Archetype (Archetype originally was available to their customers at a cost of $800 and the company's technical support was totally free. It would appear that Greater Giving's fees have gone up and they now charge a separate fee for their support, unlike Archetype.), and now they also sell this fundraising auction software to Greater Giving clients as well. 

Long story short, I was asked to review this contract and Greater Giving's sign up process by several of my charity auction clients, as I have recently been made aware of these client's receiving what they have termed "threat messages/letters" from Greater Giving (formerly AuctionPay) when these nonprofit clients decided to move their business elsewhere. Greater Giving apparently had sent out notifications of breach of contract to these particular clients when those Greater Giving clients violated the terms of Greater Giving's agreement(s) and contract(s).  

Greater Giving's sign up process occurs online. In Greater Giving's defense, there is a web page that offers the client the ability to choose either a one year or five year contract option. This decision performed by the charity auction client is made by checking a box, indicating that the agreed term will either be one year or five years. In defense of the charity or nonprofit, this form of web page and sign up form is separate from the web page containing Greater Giving's contract. That makes this process more than a little nebulous and confusing since it is obviously separate from the contract page itself. By default Greater Giving has selected the five year box option, and the client must select the one year option to change Greater Giving's default setting. 


For the record, I am by no means advocating (promoting) nor am I denigrating (libel or slander) a charity or nonprofit's choice to use or not to use Greater Giving. I am merely bringing forward the facts, as contained in Greater Giving's contract and only offering my opinion (free speech). How the reader chooses to approach or use this information contained in this narrative is strictly their choice alone. If this information is helpful or useful to a nonprofit or charity in negotiating a contract with Greater Giving, then this will be an independent action and choice that is entered into strictly between Greater Giving and that particular charity. I am not an attorney. However I would recommend, and I have no doubt that Greater Giving would echo this statement, that you should consult with your attorney in seeking any legal clarification pertaining to this contract before signing it. 

Modifying yourself into a great basketball game gamer is not really some thing you can use immediately. Issue your self a much more for training, then to the bet on football naturally. For that reason, it's essential that your conditioning help keep you about par in reality and building an effective effect there, to avoid significantly common time. Severe operate and perseverance is required to make actual strides in terms within your video game.



Although you should be ready for success for poker judi online game time frame, exercise can take the most from your body. The content provided under has arrived to support any booming football participant with all the process of improving and sharpening their action play. Be sure to work towards your emotional game around your bodily game in planning for football. For everybody who is found being argumentative or even your trouble basic, you happen to be an individual who will be kicked off the team. Eventually, it doesn't make a difference how excellent that you are with your place, should you are not to be at your best from kickoff through to the last secondly ticks from the wall timepiece.

Even when you don't love any person in your staff, you must go along with everyone on your staff as a your crew's accomplishment. Ensure you're as difficult mentally if you find yourself personally. Although trying to keep fit plus training the drills is tough to get a person, the mental elements of football are what trips most participants up on the field. Work on your stamina similar to a football player, along with your alternative education. Teach and practice difficult, and your endurance on a professional education. You need to grow to often be acclimated to great temps during a period of time.

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Poker cash games are one of the most thrilling forms of playing a poker. The value in real or play money on each chip is written. In these games, the player can leave the table any time or just sit down. Poker cash games are the best way to earn a consistent income in playing poker games. Players in cash games have their own poker cash games strategy.


Poker cash games strategy is much more different compared to poker tournaments. Whenever the player gets low stacks of chips, he or she can add more chips. In proportion to the sizes of stacks of chips, the blind will always be small. Losing the bankroll will result to busting out of the poker game. And to avoid losing, the player should have larger bankroll. Always remember that the player should stay in focus in making the best decision moves and just play the cards well. Some of the popular poker games which require a good poker cash games strategy are Heads up Poker, Limit Hold'em, and No Limit Hold'em.

Poker cash games strategy in playing heads up poker is very difficult to determine because the strategies to be used are based solely on the opponent. Some of the poker cash games strategies in playing heads up are to be prepared in re-raising a pre flop, to raise on the button always, to raise a pocket pair pre flop often and that Kings and Aces are worth a raise all the time. When these tips are put into mind, the player should not worry anymore because it paves the way in becoming the best heads up player.

One of the most common played poker cash game is the Limit Hold'em. It is the favorite kind of poker games by both pros and beginners. It requires an exceptional skills and different outlook in order to win a poker game. One poker cash game strategy for this is to play aggressively. The player should be very patient in waiting for the right hand and then raise the heart out immediately. The player should also try not to forget that pot odds are very important. Furthermore, the pots should also hit the draw. It is helpful especially when the player is already far behind. A Limit Hold'em player should have a standard 300 big bets as a bankroll size. 


No Limit Hold'em is on of the most difficult poker games for the newbie as well as for the experienced players. Poker cash games strategy for this game is very much different from any other cash games. The player should always put into mind to play aggressively, to press a small advantage statistically, and to read the mind of the opponents. The player will not be in whirl when he or she instilled these strategies in his or her mind. The player will surely become a dominant poker player if he or she played with these things in mind.

Indeed, poker cash games strategy is what the best poker players have in mind in playing any kind of poker games.

Men, it's time to move over boring denims and incorporate quirky printed denim shorts for men in your wardrobe. This means wearing weekend appropriate printed shorts for men dotted with a pretty petal or two. These casual clothing pieces are a trendy and a fuss-free buy for your wardrobe. You can buy men's printed shorts that can be dressed down or punk-d up with trendy tees and sneakers. Buy shorts for men to widen your shopping horizon and to add more variety to your experience. Here are some looks you can try to stand out at a beach party, garden brunch or a poker game with your mates:


1. When you love wearing denims, it doesn't hurt to mix up some things with it. Patches on your jeans are not unheard of, there used to be decorated blue-colored high-waist denims in the early 1970s. Similarly, pairing them with a cool blazer and a long-sleeved top will surely make you look in trend. All you need are some jet black boots to complete that beach-ready vibe. Men denim shorts online range can surely help to attain the look.

2. Go daring with your usual pair of denims, in micro prints. This statement-making trend can be styled with denim jackets or plain linen shirts. Mixing denim with denim can be a great idea but make sure to live up to it. Find a classy woven leather belt and you're good to go. Online shopping is a great idea when you have crazy work schedules and would rather spend a free day at the basketball court than at the noisy mall.

3. Wearing printed denims in a preppy way is quite easy. Achieve that cool-boy surfer look with men's denim shorts. Wear jacquard printed shorts for men like your favorite wine bottle. And it shouldn't just be reserved for drinks with the guys. You can shop for denim shorts online that can be worn to the pool by incorporating the clever layering trend in your ensemble. Add a collared shirt under a full neck white Tee for a super trendy vibe.


4. Grab a pair of Gingham shorts. From all the men's printed shorts online, a pair of eye-catching gingham shorts will surely meet your beach wardrobe needs. For the epitome of laid-back rock and roll, pick these shorts that are available in attractive red checks or navy blue check patterns as well.

How amazing are these styles from Zobello? Definitely worth it! It's time to step up your shorts game! Buy men shorts online and liven up your wardrobe with bright pops of color. Invest in some attractive yet unusual salmon pink shorts and pair with trendy striped vests for a striking look. These on-trend pairs of shorts absolutely define effortless dressing in a new way!

What is the Sarbanes-Oxley Act? 
The Sarbanes-Oxley Act of 2002 is a United States federal law passed in response to the recent major corporate and accounting scandals including those at Enron, Tyco International, and WorldCom (now MCI). These scandals resulted in a decline of public trust in accounting and reporting practices. Named after sponsors Senator Paul Sarbanes (D-Md.) and Representative Michael G. Oxley (R-Oh.), the Act was approved by the House by a vote of 423-3 and by the Senate 99-0. 


The legislation is wide-ranging and establishes new or enhanced standards for all U.S. public company Boards, Management, and public accounting firms. The first and most important part of the Act establishes a new quasi-public agency, the Public Company Accounting Oversight Board, which is charged with overseeing and disciplining accounting firms in their roles as auditors of public companies. 
Some of the major provisions of the Sarbanes-Oxley Act's include;

a) Certification of financial reports by chief executive officers and chief financial officers. Auditor independence, including outright bans on certain types of work for audit clients and pre-certification by the company's Audit Committee of all other non-audit work.
b) A requirement that companies listed on stock exchanges have fully independent audit committees that oversee the relationship between the company and its auditor.
c) Significantly longer maximum jail sentences and larger fines for corporate executives who knowingly and willfully misstate financial statements, although maximum sentences are largely irrelevant because judges generally follow the Federal Sentencing Guidelines in setting actual sentences.
d) Employee protections allowing those corporate fraud whistleblowers who file complaints with OSHA within 90 days, to win reinstatement, back pay and benefits, compensatory damages, abatement orders, and reasonable attorney fees and costs.

What happened at Enron?
Everyone knows at least a little about the Enron story and the devastation it created in the lives of is employees. It's a story that belongs in any discussion of ethical accounting processes and what happens when accounting standards and ethics are discarded for personal greed.

Enron began in 1985 selling natural gas to gas companies and businesses. In 1996, energy markets were changed so that the price of energy could now be decided by competition among energy companies instead of being fixed by government regulations. With this change, Enron began to function more as a middleman than a traditional energy supplier, trading in energy contracts instead of buying and selling natural gas. Enron's rapid growth created excitement among investors and drove the stock price up. As Enron grew, it expanded into other industries such as Internet services, and its financial contracts became more complicated.


In order to keep growing at this rate, Enron began to borrow money to invest in new projects. However, because this debt would make their earnings look less impressive, Enron began to create partnerships that would allow it to keep debt off of its books. One partnership created by Enron, Chewco Investments (named after the Star Wars character Chewbacca) allowed Enron to keep $600 million in debt off of the books it showed to the government and to people who own Enron stock. When this debt did not show up in Enron's reports, it made Enron seem much more successful than it actually was. In December 2000, Enron claimed to have tripled its profits in two years. 

In August 2001, Enron vice president Sherron Watkins sent an anonymous letter to the CEO of Enron, Kenneth Lay, describing accounting methods that she felt could lead Enron to "implode in a wave of accounting scandals." Also in August, CEO Kenneth Lay sent e-mails to his employees saying that he expected Enron stock prices to go up. Meanwhile, he sold off his own stock in Enron. 

Winning a national lottery would be a dream come true for most people. Each year, billions of dollars are spent on scratch off tickets and lottery numbers by people hoping to strike it rich.

Americans reference the national lottery when talking about games such as Powerball and Mega Millions. Much of the money for ticket sales accumulates to payout staggering multi-million dollar jackpots offered throughout the country.


In addition to national games, many states offer region-specific games through their own lottery system. National games have substantially higher payouts than state games, but the odds are considerably higher with an average of 1 in 18 million. 

The largest lottery winnings ever recorded amounted to $380 million and was awarded in January 2011 through Mega Millions. The largest Powerball jackpot to be recorded was a staggering $340 million.

There's little doubt that kind of money could permanently alter a person's life. Winning millions of dollars would allow a person to do whatever they want, whenever they want and still have funds to pass along inherited wealth for several generations.

Certainly, most people would be overjoyed to win the lottery. However, as with most things in life there is a downside to receiving a windfall of cash.

One of the greatest challenges is coping with the unwanted notoriety. Many stories have circulated regarding lottery winners being bombarded with phone calls and uninvited guests arriving at their door. Winners can elect to keep their newfound wealth private by hiring a representative, like a financial adviser or attorney, to claim their lottery winnings.

Although it can be entertaining to dream about all the things lottery cash could be spent on, the truth of the matter is it's rather expensive to win jackpots. State and federal taxes can deplete over half of the winnings, so the best defense is immediately hiring an exceptional financial consultant. Professionals can help develop strategies to reduce taxes on lottery winnings.

Accepting jackpot funds as lump sum cash is more costly than accepting annual installments. Winning millions changes tax status and results in higher taxes. Financial planners can create investment plans to reduce tax burdens. This could be in the form of depositing money into an irrevocable life insurance trust or tax-sheltered retirement account such as a Roth IRA.

While the national lottery has multi-million dollar jackpots, state games also offer valuable prizes. All winnings acquired through gambling are subject to income tax and must be reported on tax returns. This includes prizes and cash won through casinos, horse or dog racing, raffles, contests, and sweepstakes.

Taxpayers can report gambling losses on tax returns as long as they provide adequate documentation. People who gamble on a regular basis should develop accounting methods and record keeping systems to track winnings and losses.


Lottery jackpot winners should consider working with an estate planning service to safeguard money for their family. Estate planners can develop strategies to reduce inheritance taxes and expand financial portfolios.

Regrettably, more than one person has spent their life savings in the quest to win the national lottery. Gambling can become a serious addiction that necessitates professional help to overcome. It is imperative to maintain control and never spend more money than you can afford to lose.

There are a few famous money names that everybody knows. There are some famous people whose names sound strangely money-related and then there are those names that definitely relate and make fans wonder why their idols took on the titles. Someone like Kurt Shilling probably didn't intend to have a name related to UK money. On the other hand, 50 Cent was Curtis Jackson before he took on his public name. For all the people who have decided that a name with money in it was a good thought, fans might wonder where the inspiration came from.


Why did Curtis Jackson switch to 50 Cent? He stole it from Kelvin Martin, a Brooklyn robber from the 1980s. Kelvin got the name from for his willingness to rob anyone regardless of how much money they had. Curtis Jackson is quoted as saying, "I'm the same kind of person 50 Cent was. I provide for myself by any means."

Not all money names have such violent roots. Johnny Cash for example is only a coincidental name. Cash, a slang term for money, has no bearing on why he has his last name. Similarly, Barry Bonds does not have his last name because of an affection for government monetary funds of low interest. Nor does Brad Penny, a Los Angeles Dodgers pitcher, care deeply for the American copper coin memorialising Abraham Lincoln.

One name however, stands out among the crowd.


Chris Moneymaker, winner of the 2003 World Series of Poker, is a descendant of gold and silver coinmakers originally named Nurmacher, who changed their German sounding last name to Moneymaker. His success in Texas Hold ‘Em Poker transcended coincidence and made a picturesque landmark in a family that loved money.

And, last but not least, for every James Bond fan out there is Moneypenny, the female character who plays 007's co-worker at the MI6.