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Special Note:

The following web site is from the Character Counts of the Josephson Institute of Ethics. In this page, they discuss the "The Six Pillars of Character".

I agree with this and try to follow this in my life. If you would like to know the pillars, then visit the following: "The Six Pillars of Character" 

HERE IS A STORY FROM Michael Josephson:


When Gwen discovered she was pregnant she quickly took a job with medical insurance saying nothing about her pregnancy. A couple of months later Gwen was laid off leaving her with no insurance. Though she had kept her pregnancy secret, Gwen went to a lawyer and together, they decided to sue her employer claiming that she was terminated because the company found out she was pregnant.  When Gwen told her friend Ann about this, Ann was appalled, "That's dishonest!" she said. Gwen responded angrily, "Don't be so judgmental, I had no choice. I'm doing what I have to do. You'd do the same thing in my position." Ann said, simply, "No, I wouldn't. That's not the way I was brought up. "It's easy to sympathize with Gwen, but while her decision to lie is understandable, it's not justifiable. It's fraud, plain and simple.  Unless we are willing to endorse the right of everyone to lie to get what they think they deserve, we've got to insist that Gwen find another solution. 

Both personal responsibility and the integrity of social programs are undermined by a rampant entitlement mentality that goes something like this: "Whatever I want, I need. Whatever I need, I deserve. And I have a right to do whatever is necessary to get what I deserve." Similarly, I worry about the too-quick resort to claims of necessity to justify dishonorable behavior. Nietzsche once warned against granting moral immunity based on dubious necessity claims. 

"Necessity is not a fact," he said, "it's an interpretation."

In a world where "me-first" rationalizations place personal wants and needs above moral principles we will all become victims sooner or later.

This is Michael Josephson reminding you that character counts.

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This section is a permanent memorial to those lives that were lost on September 11, 2001:

I want to express my sincere condolences to the families of those who lost love one's in the dastardly attack against innocent Americans. Know that all Americans stand together in this time of crisis and we send love and comfort to those in pain.  An attack on one American is an attack on ALL of us. Together we will show the world that tragedy does not divide us but unites us. 

Jeffrey Kolsin CPA
US Armed forces, NY fire, NY police, NY port authority, US govt. employees, employees of foreign nations working at the world trade center, men & women employees working at the world trade center and visitors to the world trade center all lost that day.