Half of America’s nonprofits are operating “on a financial precipice,” says a new study—something most of us already know too well; one way to restore financial health is to step up fundraising by adopting a culture of philanthropy (call me for help):  http://markets.businessinsider.com/news/stocks/Half-of-U-S-Nonprofits-at-Risk-Financially-New-Report-ShowsInadequate-cash-reserves-negative-income-margins-technical-insolvency-among-problems-nonprofit-sector-faces-1014559086