Homeless Joe

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From Callisto House’s HBBLDC (Homeless Better Business Leadership Development Course), here is an example Pillar Plans document for a homeless man, on SSI, who was accepted into the Callisto House HBBLDC program. He goes by the name of “Homeless Joe” Biden.

He’s having an SSA debit card with the latest stimulus check loaded and Callisto House’s new Debit Card from a new homeless micro-lending banking initiative. He uses the Debit Card to accept deposits, as he is able to save, so it represents his emergency funds account. As well, increases to the credit limit of his micro-lending line of credit extends his overdraft protection.

He found a place to stay at a local Callisto House boarding house. It costs $250 rent/mo, including utilities. The $30 utilities/mo goes to his pre-paid cell phone. The facility houses a Squad, 9 people. It is a converted 2 bedroom apartment, that has a kitchen, a small common area and 9 secured mini-bedrooms. Run by the senior three person team, vote and adopt house policies.



In addition to the Budget Card, Callisto House has released this 5 Year Pillar Plans document. More training & consulting materials to help educate the homeless on business projections and the various financial levers like Income, Debt & Spending, projected over a 5 year period.


This card represents all three common business statements, as well as a credit report and an asset/income listing:

  1. (front) 𝙋𝙧𝙤𝙛𝙞𝙩 & 𝙇𝙤𝙨𝙨 <𝙄𝙣𝙘𝙤𝙢𝙚> 𝙎𝙩𝙖𝙩𝙚𝙢𝙚𝙣𝙩
  2. (front) 𝘽𝙖𝙡𝙖𝙣𝙘𝙚 𝙎𝙝𝙚𝙚𝙩
  3. (back) 𝘾𝙖𝙨𝙝 𝙁𝙡𝙤𝙬 𝙎𝙩𝙖𝙩𝙚𝙢𝙚𝙣𝙩
  4. (back) 𝘾𝙧𝙚𝙙𝙞𝙩 𝙍𝙚𝙥𝙤𝙧𝙩
  5. (back) 𝘼𝙨𝙨𝙚𝙩/𝙄𝙣𝙘𝙤𝙢𝙚 𝙇𝙞𝙨𝙩𝙞𝙣𝙜

With this 5 Year Pillar Plans document, each month & then years can be projected…


The interesting thing about having two arbitrary columns: 1st & 2nd, is that they can be tasked for a variety of uses.

  • 1st: Budget field; 2nd: Actual field.
  • 1st: Actual; 2nd: Percent Changed over last month.
  • 1st: 1st half of the month; 2nd: 2nd half.

Budget of Fifths, by Tenths: You can see this section, in the middle below where the contact info is collected. We divide the income by fifths, or an easier way, into tenths. So take the monthly income of SSI and drop the last number. If the monthly income is $800/mo SSI deposit, then 1 tenth is $80.

We tackle budget expenses in priority order:
1. 1/5th 𝐃𝐞𝐛𝐭𝐬 & 𝐒𝐚𝐯𝐢𝐧𝐠𝐬
2. 2/5ths 𝐑𝐞𝐧𝐭 & 𝐔𝐭𝐢𝐥𝐢𝐭𝐢𝐞𝐬
3. 2/5ths 𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐒𝐩𝐞𝐧𝐝𝐢𝐧𝐠

Budget of Fifths breakdown:

  • Calculate 1 tenth: ($80/mo)
  • 1 fifth, or 2 tenths is for Debts & Savings ($160/mo)
  • 2 fifths, or 4 tenths, is for Rent & Utilities ($320/mo)
  • 2 fifths, or 4 tenths, is for Monthly Spending ($320/mo).
    - Is 1 tenth/week in Weekly Spending ($80/week)

Amazingly, in a demonstration of remarkable self-control, Homeless Joe is saving a tiny little money each month, from his SSI check. He is managing to budget a deposit into his emergency fund at a rate of $60/month. He lives on $80/week. Once Debts are paid in October, an extra $80 goes into the Emergency Fund, each month.

Here are the notes taken by the 3 person Callisto House Business consulting trainees team, regarding their subject, Homeless Joe:

A homeless man, trying desperately to save a little money each month, off of an SSI deposit of $800/month. He is living on $80/week disposable. He has a reloadable debit card, from the SSA, with the latest stimulus check, and a credit line of $250, through a new microlending banking initiative for the poor, by Callisto House. Once Debts are paid in October, an extra $80 goes into the Emergency Fund, each month.

𝐂𝐚𝐥𝐥𝐢𝐬𝐭𝐨 𝐇𝐨𝐮𝐬𝐞 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐢𝐞𝐬: 𝑊𝑒 𝑚𝑢𝑠𝑡 𝑝𝑟𝑜𝑣𝑖𝑑𝑒 𝑠ℎ𝑒𝑙𝑡𝑒𝑟 + 𝑢𝑡𝑖𝑙𝑖𝑡𝑖𝑒𝑠 𝑓𝑜𝑟 40% 𝑜𝑓 𝑆𝑆𝐼, 𝑜𝑟 $320. 𝑊𝑒 𝑎𝑟𝑒 𝑟𝑒𝑎𝑙𝑙𝑦 𝑑𝑖𝑣𝑖𝑑𝑖𝑛𝑔 𝑖𝑛𝑡𝑜 𝑓𝑖𝑓𝑡ℎ𝑠. 2 𝑓𝑖𝑓𝑡ℎ𝑠 𝑓𝑜𝑟 𝑟𝑒𝑛𝑡/𝑢𝑡𝑖𝑙𝑖𝑡𝑖𝑒𝑠, 2 𝑓𝑖𝑓𝑡ℎ𝑠 𝑓𝑜𝑟 𝑑𝑖𝑠𝑝𝑜𝑠𝑎𝑏𝑙𝑒 𝑎𝑛𝑑 1 𝑓𝑖𝑓𝑡ℎ 𝑓𝑜𝑟 𝐷𝑒𝑏𝑡𝑠 𝑎𝑛𝑑 𝑆𝑎𝑣𝑖𝑛𝑔𝑠.

𝐁𝐮𝐝𝐠𝐞𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲: 𝑇𝑎𝑘𝑒 𝑡ℎ𝑒 𝑡𝑜𝑡𝑎𝑙 𝑎𝑛𝑑 𝑐𝑎𝑙𝑐𝑢𝑙𝑎𝑡𝑒 40% (𝑜𝑓 $800 𝑖𝑠 $320). 𝑇ℎ𝑖𝑠 𝑖𝑠 𝐟𝐨𝐫 𝐫𝐞𝐧𝐭 𝐚𝐧𝐝 𝐜𝐞𝐥𝐥, 𝐚 𝟒𝟎% 𝐥𝐢𝐦𝐢𝐭 𝐨𝐫 $32𝟎. 𝑇ℎ𝑒 𝑟𝑒𝑚𝑎𝑖𝑛𝑑𝑒𝑟 𝑖𝑠 𝑑𝑖𝑣𝑖𝑑𝑒𝑑 𝑖𝑛𝑡𝑜 𝑡ℎ𝑖𝑟𝑑𝑠, 𝑜f 60% 𝑜𝑓 $800 = $480. 𝐷𝑖𝑣𝑖𝑑𝑒 𝑖𝑛𝑡𝑜 𝑡ℎ𝑖𝑟𝑑𝑠, 𝑤ℎ𝑖𝑐ℎ 𝑖𝑠 20% 𝑒𝑎𝑐ℎ 𝑠𝑙𝑖𝑐𝑒, 𝑜𝑟 $160, 𝑜𝑛𝑒 𝑡ℎ𝑖𝑟𝑑 𝑜𝑓 $480. 𝑊𝑒 ℎ𝑎𝑣𝑒 𝑡ℎ𝑟𝑒𝑒 𝑠𝑙𝑖𝑐𝑒𝑠 𝑜𝑓 $160. 𝑂𝑓 𝑡ℎ𝑟𝑒𝑒 𝑠𝑙𝑖𝑐𝑒𝑠, 𝑒𝑎𝑐ℎ 𝑓𝑜𝑟 $160, 𝑜𝑛𝑒 𝑠𝑙𝑖𝑐𝑒 𝑖𝑠 $𝟏6𝟎 𝐨𝐫 𝟐𝟎% 𝐟𝐨𝐫 𝐃𝐞𝐛𝐭𝐬 & 𝐒𝐚𝐯𝐢𝐧𝐠𝐬. 𝑇ℎ𝑒 𝑜𝑡ℎ𝑒𝑟 𝑡𝑤𝑜 𝑠𝑙𝑖𝑐𝑒𝑠, 𝑜𝑟 $320, 𝑖𝑠 𝑡ℎ𝑒 𝑑𝑖𝑠𝑝𝑜𝑠𝑎𝑏𝑙𝑒 𝑏𝑢𝑑𝑔𝑒𝑡 𝑓𝑜𝑟 𝑒𝑎𝑐ℎ 𝑚𝑜𝑛𝑡ℎ. 𝐷𝑖𝑣𝑖𝑑𝑒𝑑 𝑏𝑦 4, $320 /4 = $8𝟎/𝐰𝐞𝐞𝐤 𝐝𝐢𝐬𝐩𝐨𝐬𝐚𝐛𝐥𝐞 (10% 𝑜𝑓 𝑡ℎ𝑒 𝑡𝑜𝑡𝑎𝑙 𝑖𝑛𝑐𝑜𝑚𝑒 𝑝𝑒𝑟 𝑚𝑜𝑛𝑡ℎ).

Callisto House Business Plan

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Here is the Business Plan document, of Callisto House.

In the scope of research through my non-profits, Positive Vibrations Ministries and The Homeless Council, there is an identified coupling between the economic, social and political aspects of our communities' relationships and interactions. Understanding this pressure helps to resolve it. Politics is dependent upon the social context, who gives them their authority. The social context is built around the economic context. In order to positively affect the political, the social needs to change from a change in the economic context. The objective is to introduce a new market to kick off these transformations. 

The introduction of an electronic component to phones, which measures and reports one’s esteem to currently co-located or previously encountered folks, allows each of us to send esteem tickets or treats t each other, even if this is with someone from an hour ago. Judicial proceedings would result in a judicial ticket. This esteem level, for the individual, is matched by organizational esteem, including racial categorization such that the Black, the Mexican and the American Native, for example, would receive organizational esteem, given past offenses to that community, and all members of that community would benefit. In this way, organizational esteem would measure the worth of businesses and schools. The activity of an esteem market would look much like an ant colony that emits pheromones to find food, though here we would be sending bullets of love, between and among us.

A predictive innovative investment market will be established at the macro level, so we have explained our intentions in the economic sphere, at the micro and macro levels. In the social context, at the micro level, veteran owned and operated shelters will be established, while the macro level will see an international non-profit association of Localities to influence this sphere. In the political realm, a city council of 9, one from each clan, will be pursued, while the macro level will see increasing court cases questioning constitutionality as well as efforts to pass several amendments.

Callisto House Budget Card

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The objective here is a supply of training materials & business tools for the homeless of Callisto House. This is part and parcel to the Homeless Better Business Leadership Development Course, Callisto House’s HBBLDC.

Get the homeless able to evaluate the financial health of a local business; then they will start to have the wherewithall to enter the field of business consulting.



To support a secure, spiritual, safety-net solution, a 2.5% poor tax is an ongoing income liability on individuals & businesses in the local parish community.



I converted my Seven Pillars of financial health into a composite table so you can track both time periods of your bimonthly budget and also take a snapshot of your Pillar values, demonstrating your financial health, at the end of the month. I have ordered a bunch of biz cards and note pads, so there is a physical record.

I have also grouped the categories together, and color coded, for better readability. We have several stitchings between the Profit & Loss and the Cash Flow: in the Profit&Loss we have separate fields for Debt payments and CC payments, which collapse into Debt&CC payments, on the Cash Flow; we will also have the 2 expense fields on the Profit&Loss: extras & disposable, and combine to one field, Disposable, in the Cash Flow.

Whereas, we will also have the reverse collapse, where the Emergency and Investments fields, of the Cash Flow, collapse into the savings&emerg field, of the Profit&Loss. All collapse into the Balance Sheet.

The interesting thing about having two arbitrary columns: 1st & 2nd, is that they can be tasked for a variety of uses.

  • 1st: Budget field; 2nd: Actual field.
  • 1st: Actual; 2nd: Percent Changed over last month.
  • 1st: 1st half of the month; 2nd: 2nd half.

This card represents all three common business statements, as well as a credit report and an asset/income listing:

    1. (front) 𝙋𝙧𝙤𝙛𝙞𝙩 & 𝙇𝙤𝙨𝙨 <𝙄𝙣𝙘𝙤𝙢𝙚> 𝙎𝙩𝙖𝙩𝙚𝙢𝙚𝙣𝙩
    2. (front) 𝘽𝙖𝙡𝙖𝙣𝙘𝙚 𝙎𝙝𝙚𝙚𝙩
    3. (back) 𝘾𝙖𝙨𝙝 𝙁𝙡𝙤𝙬 𝙎𝙩𝙖𝙩𝙚𝙢𝙚𝙣𝙩
    4. (back) 𝘾𝙧𝙚𝙙𝙞𝙩 𝙍𝙚𝙥𝙤𝙧𝙩
    5. (back) 𝘼𝙨𝙨𝙚𝙩/𝙄𝙣𝙘𝙤𝙢𝙚 𝙇𝙞𝙨𝙩𝙞𝙣𝙜

With this budget biz card, each month can be recorded…

Callisto House finance

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Parish Secured Social Safety Net Investment

As each County/Parish begins planning to invest in a local social safety net, the question looms How to Pay? It is the wise who have suggested looking to Scripture.l And wouldn’t you know it, Islam as defined in the Holy Quran, specifies a 2.5% donation to charity.

A Dependable Revenue Stream is better than any particular amount. As it starts to flow, Homeless Camps can be established. Use the Japanese shoe box sleeping quarters and stack them in securable sleeping lockers, so they can keep some stuff.

Local Taxation for Parish Secured Social Security Net

In respect to Islamic Law (fiqh), the PSSSN safety net is funded through a 2.5% tax on local sales, local income, local property & local wealth. Combined, this Pizza Tax will create above discussed Dependable Revenue Stream and quickly result in facilities to house and develop the homeless, of their own accord: #SuaSponte!

Camp kitchens and medical rooms and supply closets can be created within each camp, of say 54 former rough-necks (organized as a STAR Platoon, Board&Council, including a constituted Court! Self-Sovereignty.), staffing the different camp jobs, themselves.

Build this stream of funds into homes for single women student mothers. And reduce Abortions as much as we can, as a supportive community for scared, to-young pregnant girls. Help them make a good choice.

And so this modest flow of funds will allow each county to provide best for all who pass through or stay awhile.

Help All #Aliends! #Aliends = Alien Friends…Food, shelter, clothing, medical, education, child-care., sport.