So, I want to do this. Or at the very least, figure out it's impossible and give up.

Here's the premise. I love what Kiva's now doing in terms of student loan micro-lending. Having donors provide children with no-interest loans that are repaid upon completion. But, even if Kiva keeps their maximum gift at $25, like they do with their other loans, you're waiting a long time before you get repaid.

Which is fine. But, I'm nervous that the repayment period may scare people away. So, what if we add some risk/reward to the possibility?

Hence my original Human Stock Market idea from a few years ago. You invest in the person. Not the business. The idea-maker. Not just the one idea.

You invest in a promising child's education or other funding, and receive a small share of that person's life earnings. The person becomes the corporation. The share entitles you to a percentage of their net income.

So, here's the problem? Because this isn't going to work if it's on a honor-basis. How could I do this without insane regulation? I would just have to confirm their personal tax statements each year, right? But obviously, the person could funnel money into corporations and other businesses. How could this work?

As far as Justin's question to how share prices are decided. That's for the market to decide. The person could release an IPO at a set price. But based on the factors you mentioned, demographics, resume, parental successes (genetics), goals and dreams, the share price of funding your kid and another kid would assuredly be different.

Help people. If we figure this out by the end of the week, I'm starting it.

I was recently in a conversation where older people were warning a young girl (23) that she was far too young to get married. "Play the field." "Explore your options." "Have fun."

And my favorite, "You're way too young to be making a decision like that."

And yet, we think that 5 years before, she was intellectually ready to choose a collegiate career she could stick with the rest of her life? We can't have it both ways. Either 18 is old enough to vote, go to war, choose a future, and commit to a love.

Or we're getting too accustomed to children being stuck in arrested development throughout their 20s.

Raise your expectations for the youth of America. I've met 16 year olds who are vastly more mature than some 50 year olds. Just because you were a dope at 23 doesn't mean everyone is. Just because your marriage sucks doesn't mean everyone's will.

You guys know about Kiva by now. My favorite micro-lending organization. You team up with strangers, each giving a $25 loan to a third-world entrepreneur, and as they succeed, you get your entire loan back to re-give to someone else.

It's awesome. Well, here's the news. Kiva is branching out into student loans. You team up with strangers to help ambitious children go to college who otherwise wouldn't be able to afford it. They pay you back after completion through the new career they're in.

This is awesome, but obviously takes longer for repayment. While traditional Kiva loans are typically repaid in 1 year, these Kiva student loan repayments take from 1-3.

And here's the wrench I want to throw into this system. Let me invest in these kids. Give me my Human Stock Market. I give $500 for a .008 (or whatever it is) stake in this child's future. I'm not just helping them. I'm betting on them. I believe in their dreams. I believe in their potential.

They get their education. I get paid off throughout their career if I'm right. I don't care if you think it's creepy. It's going to happen. Look how close Kiva is already?

Through 149 individual donations, we were able to provide 573 people in the Central African Republic with clean water for the next 20 years during our #30water campaign.

That's awesome! Thanks to all of you who donated. I hope you enjoyed learning about an awesome new charity in charity: water as well.

More importantly, I want to remind you to give your money away. I know it's hard. But you'll get addicted to it. It's such good stuff. And if you can find the right charities (exclude Boy Scout fundraisers and Football team raffles), it's amazing what you can do with even a little amount of money.

Go change the world.

I'm having a nice dinner with my wife.
I'm taking a nap.
I'm out with my friends.

LOUD ALARM CLOCK NOISE!!!!!!

Oh wait, that's my phone. How is this convenient again? Well, it is convenient to be able to make calls wherever you are. But rarely to receive them.

How often does your phone ring when you think, "Yea! I've been looking to be interrupted!"? No, much more likely, you go, "Ugh, I'm not walking the 10 ft. over to the table to see who it is."

That's why I like the idea of texting to set up a phone call, but my friends still think that's weird. It may be weird, but I bet it's the future.

They're doing construction in my building, so he didn't hear me walking behind him. I was looking down and flipping through e-mails on my black cell phone, when he must have felt my presence. He glanced behind at me, and instantly stumbled forward while reaching for his belt.

Then he quickly composed himself and said, "Good morning." I replied with the same and didn't realize what had happened until a few seconds later.

He thought I was holding a gun.

Now, let's run this out to its inevitable conclusion. Because these policemen rightfully have their eyes out for suspicious things (someone carrying a gun). Yet, if you look around the college campus I work at, 99% of students are walking around, heading to class, head down, eyes on their phone. If this policeman got confused, somebody, somewhere, is going to try banning black cell phones for national security reasons.

As far as scaring a police officer, yeah, it felt pretty good.

This is probably one of the most popular questions I receive from my clients.
"How can we make something go viral?"

Well, you can't. You can't make something become insanely successful. That's why Hollywood makes so many bad movie every year. Because it's really hard to guess what the masses are going to love.

But the odds are it's not going to be some cheesy promotional video about your product...unless you're Old Spice. So, all you can do is go one of these two routes, and hope for the best.

#1. Be hilarious.
For something to become viral, it needs to have mass appeal. Not sophisticated humor. Not impress your buddy with how clever we are. Think physical comedy. Think someone falling down. Think 3 Stooges. Think "surprise".

#2. Be captivating.
Ok Go's music videos all go viral. And none are really funny. They're simply extremely elaborate. You can't take your eyes of them.

Your product isn't that compelling. Your market isn't that broad. So, you have to do a 1-off of your traditional market messaging to have any chance of going viral. And like Old Spice, brand it well so that your benefits come across while being either hilariously funny or genuinely captivating.

The Daily Show With Jon Stewart	Mon - Thurs 11p / 10c
Working Stiffed
www.thedailyshow.com
Daily Show Full Episodes Political Humor Tea Party

Thank you The Daily Show for pointing out inconsistency wherever you find it. This is a MUST-SEE clip.

Note: you will find this creepy and slightly uncomfortable.

I don't like raffles.

I don't like pools where you don't pick your team. I don't like the lottery.

But I like "gambling" as investment. As long as my winning is dependent on my intellectual superiority, I'm in. Otherwise, where's the fun?

People in bad marriages don't like hearing you're in a good one.

In fact, your good marriage, rather than convincing them that a good marriage is indeed possible, may wrongly convince them they simply married the wrong person.

30 Bloggers. 30 Days. $30,000 Update.

So far, we have provided 460 people clean water for the next 20 years. Think about that. Simply ridiculously awesome. 1 week to go...