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Clifford Taylor Fleischbein has been in full-time self-employment since 1975 earning revenue as a entrepreneur consultant, with the most recent passage of twenty years generating income from On-demand services for Information technology consulting, Database Management, Marketing, Change Management, and Customer relationship management job projects.

Inside a $24 Million Investment Scam: Buy the Iraqi Dinars

CNBC Source:
http://www.cnbc.com/id/102341687

The video:

http://video.cnbc.com/gallery/?video=3000346909

According to prosecutors, a group of men behind an Iraqi currency scheme created a pitch that included war hero tales to lure potential investors.

“You have someone who is out there … who is soliciting millions and millions of dollars from people just making stuff up,” said Steven Dettelbach, U.S. attorney for the Northern District of Ohio.

The opportunity was pitched as a way to profit from a nearly worthless Iraqi dinar. Scammers promised profits were nearly guaranteed if investors bought dinars at today’s values, and then exchanged the dinars back for dollars at a later date once the dinar exchange rate presumably improved.

A customer counts Iraqi dinars at a money changer in Baghdad.

Saad Shalash | Reuters
A customer counts Iraqi dinars at a money changer in Baghdad.

Investors bought the currency through the firm BH Group, which charged a 20 percent markup on average, according to prosecutors. Some of the scammers also touted false military achievements, prosecutors say.

By the time the scheme unraveled, federal officials say victims handed over nearly $24 million to the con men for the Iraqi currency they thought would make them rich.

2028 END – The 7th Day Sabbath after 6,000 years

http://www.2028END.com

Seeing the movie “2028 END” is like having the privileged position of being a fly on the wall in the throne room of heaven, eaves-dropping in on a conversation taking place today between God the Father and His son Jesus Christ. Jesus asks, “Will it be much longer Father, I’m ready to embrace my bride!” What unfolds next will have people talking about this movie LONG after it’s over!

God begins explaining how He told the End from the Beginning by utilizing 7 Days in the Creation event, how EACH of those 24 hour Creation Days FORETOLD of a FUTURE 1,000 year period on planet Earth, and how they EACH contained prophecy about the most important event to occur during that particular millennium. As He talks, the heavens continually rip back, and we are taken back in time to watch the exciting fulfillment action! As the evidence builds, the shocking truth becomes clearer and clearer… Jesus Christ will return to planet Earth exactly 2,000 years after the year of His Death: 2028 END!

Learn the Prophetic Truth of God’s 7 Creation Days Here:

Day 1: http://2028end.com/the-math/creation-…
Day 2: http://2028end.com/the-math/creation-…
Day 3: http://2028end.com/the-math/creation-…
Day 4: http://2028end.com/the-math/creation-…
Day 5: http://2028end.com/the-math/creation-…
Day 6: http://2028end.com/the-math/creation-…
Day 7: http://2028end.com/the-math/creation-…

After The Tribulation.. the Rapture

The Pre-Tribulation Rapture Fraud Exposed

Buy a copy here: http://afterthetribulation.bigcartel….

Satan is working behind the scenes to set up a one world government and one world religion in preparation for the Antichrist. He has also deceived modern evangelical Christians into believing that they will be removed from this earth before the great tribulation takes place. This doctrine, known as the pre-tribulation rapture, teaches that Christ may return at any moment, and that there will be no signs of his coming. As a result of this deception, most Christians are completely unprepared for what the Bible has warned us is coming.

In this hard-hitting documentary, film-maker Paul Wittenberger (What in the World are They Spraying? and The Great Culling), Pastor Steven L Anderson, Pastor Roger Jimenez, and creation scientist Kent Hovind, prove from the King James Bible that the rapture will take place AFTER THE TRIBULATION but before God pours out his wrath upon this earth. They also expose Satan’s plans for a global government and new world order.

If you would like to purchase a copy please go here: http://afterthetribulation.bigcartel….

 

Money (Pink Floyd) with Money Is Coming To Me (unknown)

Money
Get away
You get a good job with good pay and you’re okay
Money
It’s a gas
Grab that cash with both hands and make a stash
New car, caviar, four star daydream
Think I’ll buy me a football team

Money
Well, get back
I’m all right Jack
Keep your hands off of my stack
Money
It’s a hit
Don’t give me that do goody good bullshit
I’m in the high-fidelity first class travelling set
I think I need a Lear jet

(amazing solos)

Money
It’s a crime
Share it fairly
But don’t take a slice of my pie
Money
So they say
Is the root of all evil today
But if you ask for a raise
It’s no surprise that they’re giving none away

“HuHuh! I was in the right!”
“Yes, absolutely in the right!”
“I certainly was in the right!”
“You was definitely in the right. That geezer was cruising for a bruising!”
“Yeah!”
“Why does anyone do anything?”
“I don’t know, I was really drunk at the time!”
“I was just telling him, he couldn’t get into number 2. He was asking why he wasn’t coming up on freely, after I was yelling and screaming and telling him why he wasn’t coming up on freely. It came as a heavy blow, but we sorted the matter out”
Pink Floyd “Money”

“Money Is Coming To Me”

770 Accounts for Secret Investing

770 Accounts for investing

http://pros.palmbeachletter.com/1410PBLIFL49CLBKIT/LPBLQB32/?h=true

http://www.dailyfinance.com/on/the-secret-770-account-what-it-is-why-you-should-have-one/

Ex-Accountant at Two of World’s Biggest Banks Swears Under Oath
“Yes, it’s true…
Bankers are using a secret account to earn 30-40 times more interest on their money than they offer general public.
These accounts are available to anyone—but the bankers are keeping their lips sealed.”
Twelve-month investigation blows lid off scandal that has been “keeping U.S. retirees poor.”

FACT: The average American savings account currently pays 0.12% interest
Source: Bankrate
FACT: 4,000 banks have taken out over $140 billion from their own banks and placed it in secure “770” accounts where they are earning between 4.5% and 5% interest
Source: FDIC 
FACT: Nearly all Americans have access to these same tax-free accounts, even though the government restricts the advertising of these programs
Source: IRS legal code

Do you know what your bank is up to?
“This has been a godsend for our family.”
Tim, Father of Three
While the average American earns 0.12% interest in his or her savings account right now, bankers are secretly funnelling their money into little-known “770” accounts, quietly earning between 4.5 and 5%.
Today we bring you inside the world of high finance and uncover the banking industry’s biggest secret—a secret account so powerful bankers have withdrawn billions of dollars from their own banks to invest in it.
In this special report we’ll show you how everyday Americans have started to take advantage of these underground accounts and how you can do it too.
Where Bankers Put Their Money:
The “770” Account
“No one is telling Americans about the 770s. Not banks. Not Wall Street. Not the government. In fact, government places incredibly tight restrictions on the advertising of these programs.”
Jason, Former V.P.
at Chase Bank
Hi. I’m Bob Irish, reporting to you from Palm Beach, Florida.
I’m here today because I’ve been part of a special investigation that’s uncovered what I believe to be one of the biggest banking conspiracies of the last 50 years.
The scandal we’re going to expose today is so big and wide-ranging that practically every man and woman in America will be affected by it.
It involves all the biggest banks in the country—Chase, Wells Fargo, Bank of America—as well as thousands of smaller community banks and credit unions.
All told, about 4,000 banks are in on the “scheme.”
But this has nothing to do with banks stealing money from their clients as they recently did in Cyprus, the small European country.
And it also has nothing to do with the big bailouts many of America’s biggest banks received a few years ago…
No, what we’re going to cover today has to do with large, secret transactions that have been taking place inside America’s banks for years now… all behind closed doors.
“It’s preposterous. There’s no reason every American shouldn’t know about these accounts. I’ve put over $50,000 of my own money into these accounts myself.”
Tom, Ex-banker
These transactions are allowing bankers to earn between 30 and 40 times more interest on their money than what they’re offering you, the general public, and yet almost no one in America knows this is happening.
In fact, banks aren’t talking about this. Not on TV or the radio or in the papers. And it doesn’t matter how much money you have invested or how long you’ve been a client with your bank, they’ll likely never tell you about these accounts in person, either…
In a minute, we’ll feature testimony from an ex-banker who told us about these secret accounts and how they work.
Because so few people know about these accounts and because they sound “too good to be true,” this man even agreed to sign a sworn affidavit to prove what he was saying was true.
And what he revealed was shocking, indeed…
While most Americans—and especially retirees like me—are struggling to find decent yields on their money right now, bankers across the country are secretly using “770” accounts—named after the IRS code that allows them to exist—to earn up to 30-40 times more interest on their money… all 100% tax-free.
To put that in perspective, that’s the difference between earning $100 on your money in the bank—and being taxed on this amount to boot—and earning $4,000 tax-free in one of these special accounts.
In fact, these “770” accounts are so powerful some people have even started draining their 401(k)s to invest in them instead.
Here’s what one man told us…

“Before I discovered this account I was racking my brain about how to safely grow my family’s money. The crash of ‘08 really spooked me, and we lost a ton. That’s when I starting searching for a safer alternative and found out about the banker’s secret. Since then, I haven’t lost a minute of sleep or a single dime. My money’s just gone up and is on pace to reach hundreds of thousands of dollars over the next 10-20 years. I’ve even cashed out my 401(k)s and put all my safe money in this account.”

While very little information about these accounts ever reaches the general public, one Wall Street Journal article did slip through the cracks a few years ago.
Here’s what it said:
The 770 account, and I quote… “has become a tax shelter for the rich… it gives the affluent tax advantages far beyond those available to middle-income people through a 401(k) or IRA.” End quote.
The 770 has become a tax shelter for the rich because the money accumulated inside this account grows tax-free and can be withdrawn completely tax-free. Without penalties of any kind.
But it’s not only rich people who are allowed to take advantage of this account.
As part of our investigation, we spoke to a pastor from Arkansas who told us his church had racked up over $500,ooo in debt thanks to several repairs and purchases.
Remarkably however, within four years of starting his 770 account, the pastor had accumulated enough money to pay back over half of the church’s loans!
That’s over $250,000 in four years just by investing in this simple account.
But he’s not the only “non banker” who’s discovered this secret.
Another person said he made more money in his 770 account in six years than he’d previously made in 20 years by investing in his 401(k)… and still another person said he planned to use his account to fund a $100,000-PER-MONTH retirement
Naturally, when I heard these stories I was very intrigued, so I asked Tom, the ex-banker who first told me about the “770” account, to explain how it all worked.
To give you a bit of background, Tom is a certified forensic accountant by trade. He used to work at the trading desks of Salomon Brothers and Citibank in London, where he oversaw billions of dollars in trades each day. Tom left the banking world, however, after growing disillusioned with how the banking industry works. “It’s engineered for the small guy to fail,” he says. “No matter how much money they make using things like the 770 account, they’ll never tell people on the outside about them.”
Tom agreed to talk with us about this account under condition of anonymity. Here’s what he had to say…
When I mention the 770 account to people, the first reaction I get is, “if this account is so great, why haven’t I heard of it before?”
It’s a fair question. While everyone has been stuck chasing low-paying CDs, bonds, and dividends, bankers have been secretly accessing 770 accounts for years now… safely earning about 5% interest on their money. All tax-free.
And actually, when you consider the fees and taxes most investments have, this can turn out to be about the same as a mutual fund that returns 9.2%.
So why haven’t people heard of these accounts before?
Well, there are three important reasons the 770 has been kept hidden from the general public:
The first reason is that the government restricts the advertising of these plans—even though they’re 100% legal.
You see, companies that provide these accounts aren’t allowed to use words such as “savings,” “investment,” or “retirement plans” in their advertisements… even though that’s one way these accounts can be used.
But on the other hand, the good thing is you don’t have to report these accounts to the IRS. That means the money you have stored inside a “770” account grows—and can be withdrawn—100% tax-free.
In fact, that might be why the government restricts advertising on these secret accounts… because they can’t make a dime off them!
As a result, less than 0.07 % of the entire American population has opened up a “770” account—about one person in 1,500—while almost everyone in the country has a “standard” bank account and nearly half the population has a 401(k) or similar type of retirement account.
But the government’s restrictions on advertising aren’t the only reason these accounts have remained hidden from the limelight.
Here’s the second important reason:
Bankers.
Consider this. Did you know that Citibank has $4.5 billion stashed away in their own 770 account? Or that JPMorgan Chase has $9.8 billion?
Or what about Wells Fargo? They have over $19.3 billion invested in their 770 account. That’s twice as much money as they have invested in the infrastructure of ALL their bank buildings!
It’s incredible. All told, more than 4,000 banks have $140 billion invested inside secret 770 accounts.
But as a bank client, you’re not seeing a single red cent of these higher returns. All you get is the pesky 0-1% returns these bankers decide to throw our way.
I’m sure you can see now why bankers don’t like to tell the public about these accounts… They can make 5% on our money… and pay us a fraction of a percent in return!
It’s easy money.
But the problem actually extends past the bankers too.
The third reason most people have never heard about 770 accounts has to do with Wall Street. What they’re doing right now may really shock you…
Manhattan’s Secret Vault:
Why Wall Street has kept this powerful secret
hidden from you
A contact of mine is one of the leading experts on the 770 account. She works almost exclusively with big clients, including one of America’s biggest financial gurus and several people from Goldman Sachs and other large investment banks.
I recently spoke to her, and here’s what she said to me:

“NO ONE in Wall Street has their money in stocks today—many of them are invested instead in 770 accounts.”

Now consider what this means.
Here are the same investment professionals who’ve been telling their clients for years to “buy stocks”… and meanwhile… they’re all putting their money somewhere else!
Can you imagine the outrage this would create if most people found out about this?
That’s why you’ll probably never hear your broker mention this investment to you, no matter how much money he (or she) has parked into it.
And while the mainstream media haven’t picked up on the 770 accounts … they have started to realize something “doesn’t add up” on Wall Street…
Consider:
According to a recent Morningstar study, out of 2,257 equity managers investigated,51% owned ZERO stake in the funds they manage!

And another report recently told how one Merrill Lynch employee got caught, in a series of email exchanges, calling the stocks they recommend as pieces of “junk” and “crap”!
It’s enough to make your stomach turn. These are the investment “professionals” most people depend on for their retirements.
That’s why I got out of the industry.
Because big banks and Wall Street are all the same.
They tell you to do one thing with your money… and do the exact opposite with their own money!
If you look around, you’ll see that this happens all the time.
For example, think about the fiasco that occurred with Facebook’s IPO. While the average investor got fleeced—with the price dropping 24% in the first three days of trading alone—Morgan Stanley blocked important research from getting to regular investors, including many of their own clients. The same kind of thing took place during the financial crisis.
That’s why it’s much more important to look at what bankers and brokers actually DO with their own money, rather than what they tell other people to do.
The reason we dedicated this special broadcast to the 770 account today is because that’s what the world’s financial elite are doing with their money right now.
Recently, a CEO from a Midwestern bank was overheard telling one of his advisors the 770 accounts were his bank’s “best-performing” investment. His bank made so much money with this account that he ordered his executives put into these accounts, and I quote, “the maximum amount that the laws and regulators would allow.”
During our investigation, we also discovered another banker who liquidated his 401(k) account and is now putting in $24,000 a year to grow tax-free inside his own personal 770 account.
We reached out to this CEO to try to get him to appear on camera. However, when he heard what we wanted to discuss, he refused to talk.
But even though the bankers are keeping secret, the key principle again is to watch what they do, not what they say.
And in fact, it’s quite illuminating to see who else has used the “770” account throughout history.
121 Years of Payouts
While most Americans have never heard of the 770 account before, the truth is, it has been used by many of the world’s most powerful people for the last 100-plus years.
The Kennedys used it.
So did U.S. presidents Taft, Cleveland, McKinley, Harding, and FDR. (In fact, Roosevelt held a substantial portion of his wealth—$562,142 or over $7 million in today’s dollars—stored inside his own secret “770” account…)
Even the Rockefellers are rumored to have used the “770” to substantially grow their family’s fortunes.
Why only rumors?
Well you see, because 770 accounts are private agreements between individuals and the companies that issue these accounts, it’s very difficult to determine who does and who doesn’t store money in one of these accounts.
That’s another reason the rich love it.
Many of the greatest entrepreneurs of our time, including Walt Disney, Ray Kroc, and J.C. Penney, have also turned to the “770” account to safeguard and grow their wealth.
During the Great Depression, for example, J.C. Penney’s chain of fledgling stores almost went under. 9,000 banks did go bankrupt during this period, but luckily, Penney didn’t keep his money in the bank. He used a “770” account which, by 1929, had grown to over $3,000,000 in value. Because of this move, James Cash Penney was able to save his company, which is now valued at $3.4 billion.
I sat down with Tom—the “ex-banker” who first revealed this story to me—and asked him what you may be wondering at home:
“How do these accounts work?”
(Because of the inevitable scrutiny Tom would receive as the result of this piece, he asked that we conceal his identity as much as possible.)
BOB: Tom, tell us how these accounts work.
TOM: In a way, the 770 accounts can work just like regular savings accounts—you put money in your account and then withdraw it anytime you like. Your money can also be guaranteed in some instances.
However, unlike regular bank accounts, not only does the money inside a 770 account grow tax-free, but it can also grow much faster.
BOB: How is that possible?
TOM: You see, BY LAW, the companies that administer these accounts have to pay out 100% of their dividends to you and other 770 account holders. This is huge. Because of this, one company that started in 1857 (four years before the Civil War) has now paid out over $64 BILLION in dividends to 770 account holders!
BOB: Wow.
TOM: In fact, we studied eight different companies that provide these accounts and, on average, these companies have paid dividends for 121 consecutive years.
BOB: You mention dividends. So does this have anything to do with banking stocks or dividend stocks?
TOM: No, this is a special type of dividend… the companies that administer the “770” accounts are actually not even listed on the stock market at all. So this has nothing to do with banking stocks or dividends stocks.
That’s one of the reasons the “770” is actually safer than banks.
BOB: How so?
TOM: Well, just look at the FDIC records. That’s the federal institute that insures bank deposits. Since 2000, there have been 499 bank failures in America.
BOB: Wow, that’s crazy!
TOM: I know.
BOB: So how does that compare to the “770”?
TOM: Consider the recent financial crisis. During 2008 and 2009, most equities lost 40-50% of their value.
BOB: You don’t have to remind me!
TOM: I know! My dad actually had to come out of retirement because of the crash.
BOB: That’s too bad.
TOM: Yeah, but we’ve got his retirement back on track now, so it’s all okay.
BOB: That’s good.
TOM: Yes. But anyway, coming back to the “770s”… In 2008, the market was cut in half but only 2% of the assets the “770” companies held were affected.
BOB: Really?
TOM: Yes. And in fact, people with this underground account actually saw their money grow around 5%.
BOB: So you mean to tell me if I had held my money in a “770” account back in ‘08-’09—the worst economic crash since the Great Depression—not only would I likely NOT have lost money… I could have actually GROWN my money by 5% per year?
TOM: Exactly. Over time the 770 averages a 5% return per year.
BOB: Tom, where were you five years ago?!
TOM: Well, that’s why I’m here today Bob! Because this is stuff everyone needs to know about. The fact this account has been kept so secret has been keeping U.S. retirees poor. But when the next crash comes around, at least people won’t be able to say they weren’t warned.
It’s odd, really. When you look at it, the average investor is basically the only one left who hasn’t been taking advantage of this account.
BOB: How so?
TOM: Well, corporate America is also a big fan of the account…
BOB: Really?
TOM: Take Wal-Mart, for example. They have a 770. So does GE, Comcast, Disney, Johnson & Johnson, Harley-Davidson, Gannett, Verizon, and nearly 700 other Fortune 1,000 companies
BOB: Huh.
TOM: In fact, Wal-Mart believes so much in this idea that at one time they had more than 300,000 separate “corporate versions” of these accounts!
BOB: That’s incredible. And that’s legal?
TOM: 100%. I have multiple accounts myself.
BOB: Okay. But why do these big companies keep all this money inside 770 accounts?
TOM: Good question.
Here’s the thing.
These companies have some of the largest executive payrolls around. They have gigantic retirement packages to fund (Comcast’s CEO Brian Roberts, for example, is owed a $223 million pension over the course of his retirement). But to meet these future obligations, these companies haven’t found a better way to grow their money (and make sure it’s there when they need it) than by investing in 770 accounts.
BOB: But I’m not a Fortune 500 executive….
TOM: It doesn’t matter! The great thing about this account is you don’t have to be a Fortune 500 executive or banker to take advantage of it.
BOB: You mean I can use this account even though I’m now retired and in my 60s?
TOM: Yes… It doesn’t matter if you’re rich, poor, old, young, married, or single—practically every person in America can take advantage of a 770 tax-free account.
How to Retire 100% Tax-Free
Okay, so we just heard Tom describe how the “770” account works.
If you’re like me, the question you’re probably asking yourself now is how do I get started?
Since the government restricts the advertising of these programs, even though they’re 100% legal, you have to know where to look.
And your banker and broker certainly won’t tell you about them, either, as we’ve seen.
That’s why Tom has offered to prepare a special report outlining the steps needed to open your own “770” account, including whom to contact and what to say.
This special report Tom prepared is called “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement.
This report is not for sale anywhere or for any price. It is available to you free only through this presentation.
Why is Tom offering this?
Well, for one, Tom has now become an ardent advocate for the “770” account. While he does not sell these accounts or make any commissions at all by recommending these accounts, he’s now made it his life’s mission to help everyday investors “get back” at the bankers and brokers who keep most people poor. And this is the best way to do it.
In fact, after Tom left the banking industry in 2006, he joined forces with one of the world’s largest financial publishing companies.
Since then, he’s helped thousands of investors navigate the markets and make big gains.
•   In 2006, for example, he recommended McDonald’s when no other analyst would touch the stock with a 10-foot pole. (This was after the Super Size Me documentary and other bad press beset the fast-food giant.) But his research saw things differently.

As a result, people who followed his recommendation back then have now turned every $10,000 they invested into $24,390.

•   And in 2008, as the markets crumbled, he suggested his readers load up on Altria and Enterprise, two companies he’d uncovered that were primed for big growth. Readers who followed his recommendations back then are now sitting on gains of 157.2% and 217.9%, respectively, for these two picks.
Today, Tom shares his investment research and findings through an investment research service called The Palm Beach Letter, which is read by more than 35,000 people in 104 countries around the world.
I went to Tom’s office to explore the company for myself.
As of this presentation, I verified that 28 of 28 recommendations in The Palm Beach Letter’s model portfolio are showing positive returns, many of them in the double-digit range.
As a result, he and his team have garnered quite a following. He showed me some of the more than 1,200 letters and emails he’s received from readers.
It was astounding.
Here are some of the messages I read.
One subscriber, Kelly Briscoll, wrote in to say she’d almost lost hope with financial advisors after losing a lot of money over the years. “You are the only person I have read that makes sense to me,” her letter reads…

“We have lost so very, very much with all these financial advisors that have made their money and lost ours through the years that I had just about given up on finding anything or anyone that could truly help me preserve our earnings and grow them.

“You are the only person that I have read that makes sense to me. I have never read a letter like this before, but I wanted you to know how much I appreciate you.”

Another subscriber, Linda M., wrote in to say her portfolio was up 78% in less than nine months…
And here’s a comment I found on an independent third-party website from an investor named Richard. “This is the best overall letter I have ever subscribed to,” he writes, adding he wished he would have purchased all the recommendations in Tom’s Palm Beach Letter’s portfolio when he first saw them. “I would be well ahead.”
But Tom told me even though he’s managed to help thousands of everyday investors make big gains in an otherwise listless market, he insists the 770 account is by far the most important thing you should be doing with your money right now.
More important than real estate, precious metals, stocks, and every other investment you can think of.
That’s because these are the only investments that offer safe, tax-free returns… and that are pretty respectable to boot. (Again, the average is around 5%, which is the equivalent of a mutual fund that returns 9.2%, when you consider fees and taxes.)
And that’s why he feels so strongly you review the information about the “770” accounts absolutely free.
In fact, he believes so much in the idea he’s now made this his single-largest investment, putting away more than 20% of his family’s net worth into secret “770” accounts.
He’s even opened up accounts for two of his three young children, a decision that will set them up financially for life. His oldest son will have about $4 million in his account by the time he retires.
So What’s the Catch?
Now, I bet you’re wondering… Is there anything “bad” you should know about these accounts?
Of course no investment is perfect. So I sat down with Tim Mittelstaedt, who we featured earlier in this presentation, to talk about this account.
Tim now has five separate “770” accounts of his own and has since joined Tom and his team at The Palm Beach Letter after seeing the quality of their ideas.
He’s been with The Palm Beach Letter for the last year-and-a-half and is now editor-in-chief.
BOB: Tim, tell me. I’ve learned a lot about the “770” account since I started my research on the subject. But I’m sure a lot of people are thinking: “What’s the catch? This sounds too good to be true.”
This account pays around 5%… 4-5 times more than long-term income investments like CDs—and up to 30-40 times more than regular savings accounts… Also, your money’s not locked up… it’s tax-free… and even though you don’t have to report it to the IRS… it’s 100% legal.
TIM: Yeah, I know. It sounds unbelievable. I felt the same way when I discovered it.
BOB: So, Tim, what’s the catch?!
TIM: There’s a reason this account works, and it’s because it doesn’t promise you “unreal” get-rich-quick results. For instance, you’re not going to double your money in six months with the 770.
BOB: The lottery mentality.
TIM: Exactly. There’s a lot of that going on today. I think it’s mostly because most people can’t find any decent yield on their money.
BOB: But still, a tax-free 5% return in today’s climate is a godsend for most soon-to-be retirees or retirees like me!
TIM: Exactly. 5%, but remember that’s tax-free and after fees and expenses…
BOB: Right. Is there anything else people should know about?
TIM: Along the same lines, this investment works best over time. It gets better and better over time. Of course, you can always withdraw your money, but this works best for people who want to let the money grow and not worry about it.
BOB: Now, what about the stock market… Should I put 100% of my money in the “770” account and forget about stocks altogether?
TIM: No, not necessarily. In fact, most people prefer to start small in the beginning just to prove to themselves this 770 account works exactly like we say it will.
BOB: Is that what you did?
TIM: Yup. Tom too. We both started small and then added more money and even new accounts. In fact, I think Tom has already invested something like $100,000-200,000 in this idea. And this will grow to over $10 million over the years.
BOB: Amazing.
TIM: Yeah. That’s why I was completely floored when I saw this account. But still, like any investment, you probably shouldn’t put 100% of your money in here.
BOB: So bottom line, people can still dabble in stocks…
TIM: Yes. And in fact, we recommend many of them in The Palm Beach Letter. I’ve got some myself. But you should at least set up your “safe” money in a secret 770 account today.
Then play around with the rest.
(Right now, I personally set aside 10% of my income to go into my 770 accounts. Next year, I’ll be adding much more. But I’ll also put money in some stocks and other investments too.)
BOB: Gotcha. Okay, so I understand Tom is on a business call right now. Can you tell me a bit more about the report you and Tom put together?
TIM: Sure, no problem. Well, first off, the report’s name is “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement.”
What you’ll find is the report is short, simple, and easy to understand. It shows how anyone can get started easily—including who to contact and what to say.
BOB: Do you cover how much it costs to get started? I’ve seen my share of investments over the years, and oftentimes, you need to put down several thousand dollars to get started…
TIM: No, this investment was really designed for the average investor. You can get started for as little as about $300… or even less, in many cases.
BOB: Okay, now one last thing on this account. How “involved” do I have to be with this account? Is it like the stock market, where I need to check every day to see what’s going on… if there’s been a big “sell off”…
TIM: No! Actually, I have a “funny” story about that. Before I discovered this account, my wife’s parents had asked me if I’d invest their nest egg for them. They knew I was involved in the markets, and they wanted nothing to do with it. So they basically handed me $300,000 and said, “Here you are, Tim. Grow this money, but don’t lose it!”
BOB: Talk about responsibility!
TIM: Tell me about it! This was back in 2008, and my wife and I had been married just about a year.
BOB: Yikes…
TIM: Exactly… Well, I don’t need to tell you how the story finished. The markets crashed… I wasn’t sleeping at night… and it was driving me crazy… Now, luckily, I had invested in some alternative investments, some of which had gone up, like, 10 times, so they didn’t get hammered too bad. But still, I knew there had to be a better way. Something that didn’t require me to constantly worry or feel like I had to be checking the markets.
That’s when I started searching for an alternative and finally found out about what Tom calls the “770” account. With this account, the money just grows and you don’t have to worry about it.
BOB: That’s incredible.
TIM: Yeah. People love it. We get subscribers telling us all the time they’re able to enjoy life now… take vacations, play golf, go out to eat, and do so without having to spend every waking moment worrying about how their “investments” are doing.
That’s why we felt everyone should have access to this information absolutely free of charge.
BOB: That’s great. Thanks, Tim.
TIM: No problem.
The report, “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement,” will be made available to the viewers of this program absolutely free.
All Tom and his team are asking in return is people give their investment research service, The Palm Beach Letter, an honest look.
To learn more about their service, I kept talking with Tim for several more minutes. He explained to me that The Palm Beach Letter’s specialty is recommending investments that provide safe, reliable income.
A big part of the service has to do with dividends, which, as Tim says, “is the only way to make 100% sure you get paid.”
While dividend-paying stocks have become very popular lately, thanks to the lack of yield around in the markets, Tim told me a big problem today is that most people are turning to the wrong ones.
I asked him to explain.
He said when they think of dividend-paying stocks, most people think of the Coca-Colas and Johnson & Johnsons of the world… Now, while these are great and do have their place in a well-balanced portfolio… Tim says if you want to maximize your chances of compounding wealth AS QUICKLY AS POSSIBLE through dividends, you have to focus on the blue-chip stocks of tomorrow.
And your best bet of doing that is through a special class of dividend-paying stocks his team has pinpointed called the relentless dividend raisers.
But these stocks are few and far between.
Tim mentioned that a while back they’d screened every single stock trading in America… about 15,000 total… and only 17 made the cut! There were only 17 relentless dividend raisers…
I asked Tim what made these companies unique.
He went on to tell me the dividends these companies pay are bigger and grow faster.
But unfortunately, most people had never heard of these companies before. They’re small and toil away in boring and decidedly “unsexy” industries.
One example he showed me was a company they recommended back in 2011, a small French perfume manufacturer trading on the Nasdaq called Inter Parfums.
They had chosen the company for a variety of reasons: It had high profit margins and heavy insider ownership, but most of all, it had six straight years of dividend increases averaging 50% per year. Today, subscribers who took their advice are already up 57% on this pick, while collecting healthy dividends to boot.
But he mentioned there were five other “relentless dividend raisers” investors should be taking a serious look at right now, even more so than Inter Parfums.
When I asked him if he could share these with the viewers of this program, he gladly obliged.
The details of these five relentless dividend raisers have been put together in a special report called “The 552% Income Boost—The Dividend Diluvia.” This report—yours completely free of charge—gives detailed research on why each of these stocks are primed for spectacular dividend growth over the coming years.
After a while, Tom joined us, and we discussed several aspects of The Palm Beach Letter’s research business, including what their primary investing philosophy was.
Two things struck me from the conversation.
First, it quickly became clear to me that their prime focus is SAFETY.
And second, because of this safety aspect, Tom told me people looking for “Powerball-like” gains ought to stay away from this service. That’s definitely not what they’re about.
As he said, they prefer making “steady, consistent gains on each investment.” The key is not losing money.
For example, one strategy Tom discussed with me involved something he’d uncovered while working at the banks… a way investors could make modest gains… time after time.
With this method, Tom showed me how I—and most everyone—can extract money from what he calls the “secondary” stock market 94% of the time. No, you won’t make triple-digit returns, Tom stresses, but the key here is consistency.
When I casually remarked to him this sounded too “technical” for me, Tom said he’d taught his dad this same strategy. Since then, he’d been able to put his retirement back on track. Some weeks he takes home $694, some weeks a little less.
One of his subscribers, Brian M., even wrote in to say he’d made $83,000 in seven months by using this strategy.
I pushed him some more.
That’s when he revealed they’ve now made money on 47 out of 50 of the “full trade cycle” trades they’ve recommended.
In fact, in one stretch alone he showed me a chart of how they made 33 consecutive winning trades!
When Tom saw how intrigued I was by the whole idea, he agreed to offer viewers of this program a free report on this strategy. It’s called “The Banker’s Code: How to Make Money 94% of the Time on the ‘Secondary Stock Market.’”
There’s also one other special thing Tom decided to do for the viewers of this program today.
Take One Full Year to Decide
Because Tom realizes he can’t be 100% sure his research service, The Palm Beach Letter, is a perfect fit for you, here’s what he suggested…
He’d like you to take the next full year to decide if The Palm Beach Letter is right for you.
That means you can take advantage of a full year’s guidance absolutely risk-free and take the time to determine if you like what you see.
You’ll get to view 12 full issues of the letter, with a new issue arriving straight to your inbox on the first Thursday of every month. You’ll also get immediate access to their full archive of past issues, as well as their full suite of research reports which includes, of course, the three research reports we’ve discussed in this video…
Namely:
1.   “The Secret Investment Account: How to Fund Your Own Worry-Free, 100% Tax-Free Retirement
2.   “The 552% Income Boost—The Dividend Diluvia”
3.   And “The Banker’s Code: How to Make Money 95% of the Time on the ‘Secondary Stock Market.”
You can take a full year to review everything at your own leisure.
Re-read the issues and reports. Send Tom your questions. And even put some of these ideas into practice…
Then, if you don’t like any single thing you read within the next year, just say the word and Tom and his team will gladly refund 100% of your purchase price, no questions asked.
And as for the price of this service, I was really surprised by what Tom told me.
While you might expect a research service like this to run several hundreds (if not thousands) of dollars per year—especially when you consider Tom pays his research staff over $500,000 a year for their expertise—the normal price for The Palm Beach Letter is only a paltry $99.
That’s per year, not per month.
I asked Tom why this price was so low. He said that because his research costs are divided among thousands of subscribers across the globe, the savings are passed along to the subscribers.
So for $99, Palm Beach Letter subscribers receive 12 monthly issues of the letter and weekly portfolio updates, as well as the three research reports we’ve covered in this video.
Now, given the fact that Tom and his team have received more than 1,200 testimonials from happy subscribers… they consider this to be more than a fair price.
And I couldn’t disagree with him on that point.
However, given the importance of the 770 account… Tom has decided to do something even more special for the viewers of our program today.
For people who take advantage of this offer today, Tom and his team will knock $60 off your subscription price. That means you’ll pay only $39 for a full year of their investment research.
But that’s not all.
Tom told me they’re also going to include in your subscription a second complete newsletter… absolutely free!
The Missing Key:
Why You’ll Never Get Rich by Investing Alone
When I was first approached to start this newsletter two-and-a-half years ago, I knew I wanted it to be very different…
You see, while I knew I could teach people how to safely make money by investing, I knew many people needed to GROW their wealth before turning to the stock market.
(Because let’s face it. If you start out with $10,000, even if you double your money you’re still only looking at $20,000 total.)
In other words, investing works best if you have a decent amount of wealth to start off with!
That’s where Mark Ford comes in.
Mark is the partner I started The Palm Beach Letter with, and he knows more about building wealth than anyone else I’m familiar with.
In fact, Mark has published several #1 best-selling books on wealth building under a pen name. But unlike many other best-selling “money guru” authors out there… Mark actually made his money by building successful businesses… not by writing books!
All told, Mark has been involved in well over 30 different businesses, several of which have reached the seven-figure mark, and he now holds a $60 million net worth, thanks to these ventures.
So Mark knows how to make money.
And even better, he’s agreed to share his secrets with you too in a complimentary newsletter you’ll receive with your Palm Beach Letter subscription, called Mark Ford’s Creating Wealth.
This bonus letter covers Mark’s best wealth-boosting techniques, including the fastest way to get a raise at work, how to go out on your own to make a fortune, as well as the “$10 trick” that changes the way you look at wealth.
So in other words, you’ll get two highly valuable newsletters each month for the price of one.
On one side, Mark will show you how to build your wealth daily by using techniques anyone can start using today… and on the other side, I’ll show you how to make the best returns on your wealth by safely investing.
It’s the 1-2 combination that makes this financial advisory unique in the industry. I guarantee you won’t find information like this anywhere else.
Okay, I know we’ve covered a lot of ground here today, so let’s recap everything you’ll receive with your risk-free trial:
1.   You’ll receive 12 monthly issues of The Palm Beach Letter, delivered on the first Thursday of every month
2.   You’ll also receive A SECOND complimentary newsletter, Mark Ford’s Creating Wealth, delivered to you every few weeks
3.   You’ll also get weekly updates and special announcements
4.   Your special report on “The 770 Account,” which you should read immediately after you finish watching this video
5.   Your special report on the best dividend stocks to own today, “The 552% Income Boost—The Dividend Diluvia
6.   You’ll also get your special report on how to use “The Banker’s Code” to make money 95% of the time in the markets
7.  As well as the special report that shows you how to profit from “America’s Coming Oil Boom.”
All this is yours for only $39.
And of course, Tom reminded me you’ll be covered by The Palm Beach Letter’s full 365-day guarantee, which means that if you aren’t satisfied with anything you receive, you can ask for a full refund, no questions asked, anytime within the next year.
I think that’s a pretty fair deal.
Okay, so here’s how you can get started.
There is a special link that should be appearing underneath the video screen you are watching right now.
When you click on this link, you’ll be taken to a page that again recaps everything you’ll receive with your risk-free subscription of Tom’s research service.
Then, at the bottom of the page, you’ll see an option to pay for your subscription by using any standard credit card.
After you order you’ll receive, within 2 to 3 minutes, all of your free reports by email. You’ll also get directions on how to access our full archive of past Palm Beach Letter issues and Mark’s wealth essays. That way, you can start growing your money and investing it wisely as early as today.
However, first things first… Tom recommends you read the tax-free 770 report immediately!
Remember, this is the guaranteed retirement account several presidents, Fortune 500 companies, and even bankers have used for over 150 years to safeguard and grow their money.
As you’ve seen, bankers prefer putting money here than in their own banks!
One of Tom’s friends, Mike, is even using his 770 account to fund what will turn out to be a $100,000-per-month tax-free retirement.
That’s why you should consider starting your own account as soon as possible. I know I’m certainly going to look into it after doing this research.
Tom and his team have laid out all the groundwork for you to start in the 770 report you’ll receive free with your subscription.
Click on the link below to get started.
(You can review what your subscription includes before you place your order.)
Best regards,
Bob Irish
Financial Investigator
Palm Beach, Florida
August 2013
What People Are Saying About The Palm Beach Letter…

“The Palm Beach Letter is unlike any financial newsletter I’ve ever read, and I’ve invested in quite a few over the past 20+ years. The recommendations from Mark Ford and Tom Dyson feels like something you would overhear in a country club locker room, not the same old rehashed advice you get from other letters. It’s like I am being let in on the REAL money-making secrets of the wealthy and powerful!”

— Comment listed on popular third-party financial website

And About the Tax-Free 770 Account…

“I’ve been using this strategy since ‘08, when I all but gave up on investing in stocks…

It’s the easiest investing I have ever done and I don’t have to worry about keeping up with anything anymore. I can now fully concentrate on my business. In that short time I have acquired 4 different [770 accounts] and have used the money to buy a delivery truck and other equipment for my business… it’s GREAT! The only thing I can say is that I wish I had known about it 25 years ago, I’d probably already be retired.

Anyway, thanks for the work y’all do. I love the out of the box stuff!”

—Paul Mabile

“I love this concept. I stumbled on it almost three years ago and have been building my account ever since. [This] helped me get a new roof on my house this summer.”

– Karen W.

To learn more about the tax-free 770 account and how you can start your own account today, click on the special link below.
(You can review what your subscription includes before you place your order.)

Forex traders at heart of ‘Cartel’ chat rooms

November 13, 2014 5:35 pm

Forex traders at heart of ‘Cartel’ chat rooms

TRADERS MONITOR SCREENS AT CREDIT SUISSE FIRST BOSTON BANK IN LONDON...A trader monitors his screens on the trading floor at the Credit Suisse First Boston bank in London March 13, 2001. Britain's FTSE 100 share index put a brake on early losses by mid-morning today but was still pinned down at levels not seen for two years after an overnight sell-off on Wall Street. REUTERS/Kieran Doherty©Reuters

There were probably more imaginative names to choose. Of all monikers, the powerful network of senior foreign-exchange traders at the centre of a UK and US regulatory probe into alleged collusion called itself “the Cartel”.

In an electronic messaging conversation on December 20 2011, the group of three senior traders at Citigroup, JPMorgan Chase and UBS debated whether allowing a fourth trader into the chatroom would “add huge value to this cartell [sic]”.
The chatroom went on in different guises over several years and was used by various London- and Zurich-based traders at four of the top 10 forex dealers in the world – CitigroupJPMorgan ChaseUBS and Barclays.The transcript, revealed in documents by the US Commodity Futures Trading Commission, gives an insight into the mindset of a mighty chatroom connection at the centre of a regulatory probe into alleged forex manipulation that ended its first chapter this week with a $4.3bn penalty handed out to six banks.

These chatrooms “were the kind of vehicles through which certain [Citibank, JPMorgan and UBS] FX traders and traders at other banks co-ordinated attempts to manipulate certain FX benchmark rates, including the WM/R 4 p.m. fix,” the CFTC said in its settlement documents with Citi, JPMorgan and UBS. “Certain chatroom participants used code words to evade detection by their banks’ compliance monitoring systems,” it added.

Also known as “the Mafia”, the bantering chat group brought together some of the most well-known forex traders at banks whose combined market power at times amounted to more than 40 per cent of global forex trading. Citi, Barclays and UBS are among the top five in currency trading, the largest financial market in the world. JPMorgan ranked number six in 2013.

The group was widely respected in the forex-trading community and had an almost mythical reputation among more junior traders who aspired to one day become part of it, people familiar with the situation said. Yet the settlement documents shine a much more sobering light on it.

In the discussion three years ago, Rohan Ramchandani, Citi’s then European head of spot trading, and Richard Usher, JPMorgan’s chief currency dealer in London at the time, debated with Matt Gardiner from UBS if they could trust a former colleague from the latter’s time at Barclays to come on board.

“you know him,” Mr Usher said. “will he tell rest of desk stuff . . . or god forbin his nyk . . .” in a reference to Barclays’ New York desk.

“yes,” Mr Ramchandani said. “that’s really imp[ortant] q[uestion] . . . dont want other numpty’s in mkt to know . . . but not only that . . . is he gonna protect us like we protect each other against our own branches,” he asked.“what concerns me is that i know he’ll never tell us when at risk,” Mr Gardiner replied.

In the end, the trio agreed to invite the trader in question into the chatroom for a “1 month trial”, although Mr Ramchandani warned him – “presumably facetiously” as the CFTC’s findings have it – “mess this up and sleep with one eye open at night”.

The trader in question, Chris Ashton, eventually joined but ceased to be a member only seven months later in August 2012, not long after Barclays’ £290m fine over alleged Libor interbank lending rate rigging sent shockwaves through London’s trading community.

None of the traders mentioned has been accused of any wrongdoing or charged by any authorities. All of them declined to comment.The CFTC said in the settlement documents that traders at Citi, JPMorgan and UBS at times “exchanged the size and direction of the bank’s net orders with FX traders at other banks and used this information to attempt to co-ordinate trading strategies.”

“Traders at times then used this information to enable one or more traders to attempt to manipulate the FX benchmark rates prior to and during the relevant fixing period,” it added.

By buying and selling a currency before the fix, a trader can try to influence the final fix price to profit from the range of client orders he is handling that day. When the fix is set, some clients will end up profiting in line with the trader while others will be worse off.

In its settlement documents this week, the UK’s Financial Conduct Authority said traders in the spot forex market “formed close, tight-knit groups or one-to-one relationships based on mutual benefit and often with a focus on particular currency pairs”.

“Entry into some of these groups or relationships and the chatrooms used by them was closely controlled by the participants,” it added.

A key figure in the so-called “Cartel” chatroom was Mr Usher, a former Royal Bank of Scotland trader who joined JPMorgan in 2010. He is said to have started the chatroom while he was still at RBS, according to people familiar with the situation. When he moved to JPMorgan, the chatroom was restarted. Mr Usher was suspended this year and has recently left the US bank.

One of his counterparts at Citi was Mr Ramchandani, who was fired in January. The most junior member of the group was Mr Gardiner, a forex trader who joined Standard Chartered from UBS in autumn last year but was placed on leave a few weeks later. He left the bank a few months after that.

Mr Ashton, head of voice spot-trading at Barclays who is currently on leave, was only a member of the group for seven months and was not part of the well-acquainted trio of Mr Usher, Mr Ramchandani and Mr Gardiner.

Mr Usher and Mr Ramchandani were members of the Bank of England’s influential foreign exchange joint standing committee’s chief dealer subgroup, the industry body where concerns over the practice of sharing aggregate information about traders’ positions had been discussed.

Martin Mallett, the BoE former chief forex dealer who chaired the group, was absolved of involvement in improper conduct of traders this week but was criticised for failing to pass on concerns about a practice he thought could involve collusive behaviour. Hewas dismissed from the central bank earlier this week.

The Fed distorts resource allocation

Published on Nov 13, 2014

Our lead story: Six banks have agreed to pay a total of $4.3 billion to resolve allegations of foreign exchange manipulation. Of the six, Citi and JPMorgan have agreed to pay more than $1 billion a piece to resolve the currency probe. The deal indicates that the banks were engaged in activities designed to boost their profits by moving one the world’s largest markets, often times at the expense of their own clients. Erin weighs in.

http://youtu.be/ZmE6qR08S_A

Then, Erin sits down with David Henderson – professor of economics at the Naval Postgraduate School and research fellow at Stanford University’s Hoover Institution. David gives us his free market perspective on net neutrality and argues that income inequality isn’t always an issue for the government to fix.

After the break, Erin talks to Richard Ebeling – professor of ethics and free enterprise leadership at The Citadel. Richard tells us why Austrian economist Ludwig von Mises’ “Theory of Money and Credit” is more important than ever and gives us his taken on whether we’ll have another financial crisis.

And in The Big Deal, Erin and Edward Harrison are talking about job-crushing robots and recent changes at Twitter. Take a look!

Check us out on Facebook:
http://www.facebook.com/BoomBustRT
https://www.facebook.com/harrison.wri…
https://www.facebook.com/erinade2020

Follow us @
http://twitter.com/ErinAde
http://twitter.com/edwardnh

Federal Reserve “Time Bomb”

Federal Reserve “Time Bomb”
The interest the Federal Reserve pays to banks on excess reserves should be reduced to zero. The Fed must then start selling the securities it has bought from the public before the $2.58 trillion bomb explodes with trillions of dollars flowing into the non-bank private sector.

 http://www.huffingtonpost.com/robert-auerbach/federal-reserve-officials_b_5431792.html?fb_action_ids=10202317246273717&fb_action_types=og.shares

 

Russia and China are SERIOUS about getting OFF the US petro-dollar

Russia and China are SERIOUS about getting OFF the US petro-dollar as their currency for global exchange.  This is a sign of the times in which other nations are stepping away from the terms of global trade dictated by the USA.  Google search the keywords: BRICS Plan B, and discover the large body of news reports in 2014 regarding the continued development of an alternative global currency to replace the US petro-dollar.  The nations of the world are on the move… away from trade terms dictated by the US.

http://en.itar-tass.com/economy/735083

Knowing what you do about Bureaucratic Government Agencies and the manner in which they behave in order to justify their payroll.. you are going to LOVE this story:

SPEAKING OF TITLES… (TRUE STORY)

Part of rebuilding New Orleans caused residents often to be challenged with the task of tracing home titles back potentially hundreds of years. With a community rich with history stretching back over two centuries, houses have been passed along through generations of family, sometimes making it quite difficult to establish ownership. Here’s a great letter an attorney wrote to the FHA on behalf of a client:

You have to love this lawyer…

A New Orleans lawyer sought an FHA loan for a client. He was told the loan would be granted if he could prove satisfactory title to a parcel of property being offered as collateral. The title to the property dated back to 1803, which took the lawyer three months to track down. After sending the information to the FHA, he received the following reply:

(Actual reply from FHA):

“Upon review of your letter adjoining your client’s loan application, we note the request is supported by an Abstract of Title. While we compliment the able manner in which you have prepared and presented the application, we must point out you have only cleared title to the proposed collateral property back to 1803. Before final approval can be accorded, it will be necessary to clear the title back to its origin.”

Annoyed, the lawyer responded as follows:

(Actual response):

“Your letter regarding title in Case No.189156 has been received. I note you wish to have title extended further than the 206 years covered by the present application. I was unaware any educated person in this country, particularly those working in the property area, would not know Louisiana was purchased by the United States from France in 1803, the year of origin identified in our application. For the edification of uninformed FHA bureaucrats, the title to the land prior to U.S. ownership was obtained from France , which had acquired it by Right of Conquest from Spain . The land came into the possession of Spain by Right of Discovery made in the year 1492 by a sea captain named Christopher Columbus, who had been granted the privilege of seeking a new route to India by the Spanish monarch, Queen Isabella. The good Queen Isabella, being a pious woman and almost as careful about titles as the FHA, took the precaution of securing the blessing of the Pope before she sold her jewels to finance Columbus’s expedition. Now the Pope, as I’m sure you may know, is the emissary of Jesus Christ, the Son of God, and God, it is commonly accepted, created this world. Therefore, I believe it is safe to presume God also made the part of the world called Louisiana.. God; therefore, would be the owner of origin and His origins date back to before the beginning of time, the world as we know it, and the FHA. I hope you find God’s original claim to be satisfactory. Now, may we have our loan?”

The loan was immediately approved.

Best Caption.. WINS !

It’s a good day for some laughs.
Best Caption.. WINS !


1. Cornered!
2. Ok..everybody stay real quiet and see if Mom goes away. If she catches us with all this gear you KNOW she’s going to take it away from us and ruin my birthday party!
3. OK!  Where is our decoy?
4. Did you just fart?
5. Anybody got a fresh clip? I’m out of water in this one.
6. We have to find that clown before he sneaks up on us…
7. Hey……..Where is OUR clown costume?
8. There’s a clown in every bunch!
9. Freeze or the clown gets it!
10. Pssst- Hey Joe- was I supposed to wear the GREEN Camo today?
11. Okay, when he shows up, everybody jump out and yell, “Surprise!” Sparky, you take the lead!
12. Sorry guys, my Batman suit is at the cleaners
13. Stay Frosty Guys!!!, Our mission is to get Maliki out of the country safely.
14. Did I leave the Iron on ?
15. There’s one in every crowd.
16. Yeah, I’m Homey The Clown man, and I DONT MESS AROUND”!!!! ISIS…there’s a can of WHOOPASS a coming!
17. I should ‘ve never taken that detour off the interstate…
18. one up, 4 sides and desert?
19. Duck duck …….goose!!
20. No where to run to baby!
21. We would not be in this mess if you just STOP CLOWNING AROUND!
22. Tell em I will release it mañana
23. NO…I did not wet my pants…..my gun is leaking
24. Can you pick out Maliki in the lineup?
25. Always somebody dressed wrong for the party.
26. Psssst… “Who is that clown bringing up the rear?”
27. Ok, sarge, time to send in the clowns!
28. OMG I thought I told you to stay at home lil bro!
29. SHHHH. Here comes Maliki….Oh wait. He is the clown here.

VOTERS – TAKE NOTE!

VOTERS – TAKE NOTE!

In case you didn’t notice…..

Here is what happened on January 1, 2014:…

Top Medicare tax went from 1.45% to 2.35%

Top income tax bracket went from 35% to 39.6%

Top income payroll tax went from 37.4% to 52.2%

Capital Gains tax went from 15% to 28%

Dividends tax went from 15% to 39.6%

Estate tax went from 0% to 55%

Remember this fact:

These taxes were all passed only with Democrat votes, no Republicans voted for these taxes —

Not one!!!

These taxes were all passed under the Affordable Care Act,
aka Obamacare. And you thought it was a healthcare bill, didn’t you.

Elections are coming in November. Without control of both the US House of Representatives and the US Senate, there is little chance for changing any of this.

REMEMBER TO VOTE AND ENCOURAGE YOUR FRIENDS TO VOTE AS WELL …….

Replies from Husbands when their wives texted them, “I love you”

Replies from Husbands when their wives texted them, “I love you”

A group of women were at a seminar on how to live in a loving relationship with their husband.  The women were asked, “How many of you love your husband?”   All the women raised their hands.  Then they were asked,      “When was the last time you told your husband you loved him?”  Some women answered today, a few yesterday, and some couldn’t remember.  The women were then told to take out their cell phones and text to their husband: “I love you, sweetheart.”   The women were then instructed to exchange phones with  another person, and to read aloud the text message they received, in response.

Below are several replies, some are hilarious.  If you have been married for quite a while….a sign of true love…. who else would reply in such a succinct and honest way?

1. Who the hell is this?
2. Eh, mother of my children, are you sick or what?
3. Yeah, and I love you too. What’s up with you?
4. What now? Did you crash the car again?
5. I don’t understand what you mean?
6. What the heck did you do now?
7. Don’t beat about the bush, just tell me how much you need?
8. Am I dreaming?
9. If you don’t tell me who this message is actually for, someone will die.
10. I thought we agreed you wouldn’t drink during the day.
11. Your mother is coming to stay with us, isn’t she?

Poem: A Veteran Died Today

Poem: A VETERAN DIED TODAY

He was getting old and paunchy

And his hair was falling fast,

And he sat around the Legion, Telling stories of the past.

Of a war that he once fought in

And the deeds that he had done,

In his exploits with his buddies;

They were heroes, every one.

And ‘tho sometimes to his neighbors

His tales became a joke, All his buddies listened quietly

For they knew where of he spoke.

But we’ll hear his tales no longer,

For ol’ Joe has passed away,

And the world’s a little poorer

For a Veteran died today.

He won’t be mourned by many,

Just his children and his wife.

For he lived an ordinary, Very quiet sort of life.

He held a job and raised a family,

Going quietly on his way;

And the world won’t note his passing,

‘Tho a Veteran died today.

When politicians leave this earth,

Their bodies lie in state,

While thousands note their passing,

And proclaim that they were great.

Papers tell of their life stories

From the time that they were young,

But the passing of a Veteran Goes unnoticed, and unsung.

Is the greatest contribution To the welfare of our land,

Some jerk who breaks his promise And cons his fellow man?

Or the ordinary fellow Who in times of war and strife,

Goes off to serve his country And offers up his life?

The politician’s stipend And the style in which he lives,

Are often disproportionate, To the service that he gives.

While the ordinary Veteran, Who offered up his all,

Is paid off with a medal And perhaps a pension, small.

It is not the politicians With their compromise and ploys,

Who won for us the freedom That our country now enjoys.

Should you find yourself in danger, With your enemies at hand,

Would you really want some cop-out, With his ever-waffling stand?

Or would you want a Veteran His home, his country, his kin,

Just a common Veteran, Who would fight until the end.

He was just a common Veteran, And his ranks are growing thin,

But his presence should remind us We may need his likes again.

For when countries are in conflict,

We find the Veteran’s part, Is to clean up all the troubles That the politicians start.

If we cannot do him honor While he’s here to hear the praise,

Then at least let’s give him homage At the ending of his days.

Perhaps just a simple headline In the paper that might say:

“OUR COUNTRY IS IN MOURNING, A VETERAN DIED TODAY.”

A Day in the Life of Women

I came across this, and couldn’t help but pass it along.

A Day in the Life of Women 😉

The Black Bra (as told by a woman)

I had lunch with two of my unmarried friends.  One is engaged, one is a mistress, and I have been married for 20+ years.  We were chatting about our relationships and decided to amaze our men by greeting them at the door wearing a black bra, stiletto heels and a mask over our eyes. We agreed to meet in a few days to exchange notes.

Here’s how it all went………

My engaged friend:
The other night when my boyfriend came over he found me with a black leather bodice, tall stilettos and a mask. He saw me and said, ‘You are the woman of my dreams…I love you.’ Then we made passionate love all night long.

The mistress:
Me too! The other night I met my lover at his office and I was wearing a raincoat, under it only the black bra, heels and mask over my eyes. When I opened the raincoat he didn’t say a word, but he started to tremble and we had wild sex all night.

Then I had to share my story:
When my husband came home I was wearing the black bra, black stockings, stilettos and a mask over my eyes. When he came in the door and saw me he said,………..

” What’s for dinner, Zorro?”

Musings of some well known people

Musings of some well known people.

Sometimes, when I look at my children, I say to myself,’Lillian, you should have remained a virgin..’
– Lillian Carter (mother of Jimmy Carter)
<><>

I had a rose named after me and I was very flattered. But I was not pleased to read the description in the catalogue: – ‘No good in a bed, but fine against a wall.’
– Eleanor Roosevelt
<><>

Last week, I stated this woman was the ugliest woman I had ever seen. I have since been visited by her sister, and now wish to withdraw that statement..
– Mark Twain
<><>

The secret of a good sermon is to have a good beginning and a good ending; and to have the two as close together as possible
– George Burns
<><>

Santa Claus has the right idea. Visit people only once a year.
– Victor Borge
<><>

Be careful about reading health books. You may die of a misprint.
– Mark Twain
<><>

By all means, marry. If you get a good wife, you’ll become happy; if you get a bad one, you’ll become a philosopher.
– Socrates
<><>

I was married by a judge. I should have asked for a jury.
– Groucho Marx
<><>

My wife has a slight impediment in her speech. Every now and then she stops to breathe.
– Jimmy Durante
<><>

I have never hated a man enough to give his diamonds back.
– Zsa Zsa Gabor
<><>

Only Irish coffee provides in a single glass all four essential food groups: alcohol, caffeine, sugar and fat.
– Alex Levine
<><>

My luck is so bad that if I bought a cemetery, people would stop dying.
– Rodney Dangerfield
<><>

Money can’t buy you happiness ….. But it does bring you a more pleasant form of misery.
– Spike Milligan
<><>

Until I was thirteen, I thought my name was SHUT UP .
– Joe Namath
<><>

I don’t feel old. I don’t feel anything until noon. Then it’s time for my nap.
– Bob Hope
<><>

I never drink water because of the disgusting things that fish do in it..
– W. C. Fields
<><>

We could certainly slow the aging process down if it had to work its way through Congress.
– Will Rogers
<><>

Don’t worry about avoiding temptation. As you grow older, it will avoid you.
– Winston Churchill
<><>

Maybe it’s true that life begins at fifty .. But everything else starts to wear out, fall out, or spread out..
– Phyllis Diller
<><>

By the time a man is wise enough to watch his step, he’s too old to go anywhere.
– Billy Crystal
<><>

And the cardiologist’s diet: – If it tastes good spit it out.
<><>

~~~~~~~~~~~~~~~~~~~~~~~~

May your troubles be less, may your blessings be more, and
may nothing but happiness come through your door.ccv

the law was written in a deliberately “tortured” way and relied on the “stupidity of the American voter”

In this video, you will hear one of the architects of Obama-care clearly state: “the law was written in a deliberately “tortured” way and relied on the “stupidity of the American voter” to ensure its passage”.

http://www.theblaze.com/stories/2014/11/10/obamacare-architect-stupidity-of-the-american-voter-was-critical-to-passing-the-law/

Most excellent presentation of writing from Ayn Rand “Atlas Shrugged.”

Most excellent presentation of writing from Ayn Rand “Atlas Shrugged.”  Many of you know this is one of my favorite readings, but this segment about MONEY is most pertinent for the times in which we now live:

http://youtu.be/wkivn_3zn5I?list=UUThv5tYUVaG4ZPA3p6EXZbQ

Folks, get a copy of: “Don’t Bank On It: the Unsafe World of 21st Century Banking” by Craig R. Smith and Lowell Ponte.  It just came out recently and can be found now at:

http://www.dontbankonitbook.com

The Biggest Scam In The History Of Mankind – Hidden Secrets of Money

http://youtu.be/iFDe5kUUyT0

http://www.swissamerica.com/reports/20140910105705.pdf

 

BIG news and your bank deposits are no longer going to be yours

FOLKS… this is BIG news and your bank deposits are no longer going to be yours but treated as a paper investment in the banks property to guarantee the bank’s risky investments:
http://www.examiner.com/…/bank-deposits-will-soon-no-longer…

http://www.examiner.com/article/russia-prepares-to-challenge-dollar-by-creating-alternative-swift-system-2015

http://www.examiner.com/article/china-moves-on-u-s-with-currency-swap-and-non-dollar-trade-with-canada

http://www.examiner.com/article/fed-chairman-yellen-goes-to-europe-and-tells-ecb-to-crank-up-money-printing

 

 

Issues of Finacial Preparedness – The Red File

Why “The Red File”?

Financial Emergency Preparedness

Imagine that, at this very moment, an incident has occurred that prevents you from accessing your home, your office, your bank, your cell phone, and normal life comes to an abrupt “stop”! Hard to imagine? Those of you who lived in the Northeast during the blackout of 2004, remember very well what that was like. That event was unexpected. Other “unexpected” events like fires and earthquakes occur more often than we would expect, especially if you live in areas where such events are part of the local landscape. When hurricanes and storms strike, they are largely “expected.” We have advance warning of their arrival. We now add the big “T” to our list of possible events. Terrorism is both “expected” and “unexpected” in that we are aware that terrorist attacks can happen at any time (expected), but the timing is, for the most part, unknown (unexpected). So, let us return to “this moment” when an event has occurred that prevents you from operating your normal life. If it is an unexpected event, you probably only have those things with you that you took when you left your home to go to work, school, shopping, etc. That probably includes your wallet, cell phone, PDA or pager, keys, pocket book or attaché case. Now think about who and what you are responsible for over the next few hours, or day, or several days, or week. Who relies on you for the functioning of their lives? Are you responsible for family members, either adults or children? Are you responsible for the well-being of co-workers?

There are many sources of information and advice as to how to prepare for such events. Much of that advice focuses on physical preparedness, such as having a “go kit” and an alternate means of communication. Mike Emmerman addresses these physical preparedness issues in his lectures. The purpose of The Red File® is to look at the issues of financial preparedness.

Michael N Emmerman’s suggested list for what you might need in your personal “Red File®”

The Red File® includes copies of everything that is necessary for you or your family to rebuild your financial and operational life in the aftermath of an event that either limits your access to your home and/or office, or destroys your home and/or office. What you need to do with The Red File®is discussed in other handouts, and at www.theredfile.com. The following is a “suggested” list of items to be included in the file and should be used only as a starting point for your personal situation. You will need to adjust the list to cover all aspects of your life.

Copies of:

  • Birth certificates for everyone in your household
  • Social Security Cards for everyone in your household
  • Marriage certificate (hopefully, there is only one!)
  • Religious certificates (e.g., Baptism, Ketubah, etc.)
  • Adoption papers (if applicable)
  • Drivers licenses for everyone in your household (color copies)
  • Passports for everyone in your household (color copies)
  • Deed to your residence (first few pages containing the municipality ID numbers for the location of the property)
  • Mortgage documents and other loan documents
  • Title for cars owned by everyone in your household
  • Insurance policies and agent/agency contact information
  • Health insurance, prescription and/or other benefit cards
  • Credit/Debit/ATM cards (color copies, both sides)
  • Inventory list of household items, and personal items at office
  • Photographic inventory of household and office items
  • Tax returns for a minimum of three years
  • Wills, Living Wills, Health Care Proxies, Letters of Instruction, and Powers of Attorney
  • Trusts for which you are a trustee, or in which you have a beneficial interest
  • Location of safe deposit boxes with the names of authorized signatories (and the location of the keys to the boxes)
  • List of contact information for all advisors, executors, trustees and guardians
  • Recent bank statements and brokerage statements
  • Several blank checks from each checking account (not copies)
  • ID cards issued by your banks
  • Documents that prove ownership of private placements and alternative investments
  • List of all User IDs and Passwords for access to all electronic based information formats
  • A complete list of assets and liabilities, with a footnote for each item (containing details of ownership and the contact information for all persons and entities relevant to the ongoing status of that asset or liability)
  • Photographs of everyone in the household and all others for whom you are responsible
  • Photographs and health records for household pets.

Make two copies of everything you place in The Red File®. You will need to keep one file in your possession and you will send the other file to a trusted family member, friend or fiduciary.

If you choose to use an electronic format to store this information, you should include the storage device (e.g., CD, floppy disk, flash drive, etc.) in The Red File® as an addition to the physical paper copies.

Please remember that the above list is not “all inclusive.” Some of us have very simple lives, and some of us have extremely complicated lives. Some of us will be able to use an envelope or small box to complete our file and some will need a large trunk! Review all aspects of your life and determine what paperwork would be crucial to the ongoing financial health and operational needs of you and your family.

Start Now!!!

helpful links

Source:

The Red File: Protect Your Information

 

What to say to Nay-Sayers

So many folks just do not get what’s happening with Global Economic Changes and the break-up of the old regime Cabal. Too many Naysayers.

naysayer

These are the persons who say something will not work or is not possible. I chatted with two guys yesterday who deny, refuse, and oppose the idea that something like the old regime banking system should and will be humbled by open market, competitive alternatives such as the BRICS economic movement.

But to the Naysayers, after the changes take place the truth will be known, and there will be:

“Nothing Left To Say”

Music by Mint Condition.

Four Husbands

Four HusbandsHusband-Wife-Jokes

The local news station was interviewing an 80-year-old lady because she had just gotten married for the fourth time. The interviewer asked her questions about her life, about what it felt like to be marrying again at 80, and then about her new husband’s occupation.

“He’s a funeral director,” she answered.

“Interesting,” the newsman thought.

He then asked her if she wouldn’t mind telling him a little about her first three husbands and what they did for a living. She paused for a few moments, needing time to reflect on all those years.

After a short time, a smile came to her face and she answered proudly, explaining that she had first married a banker when she was in her 20’s, then a circus ringmaster when in her 40’s, and a preacher when in her 60’s, and now – in her 80’s – a funeral director.

The interviewer looked at her, quite astonished, and asked why she had married four men with such diverse careers.

She paused…Four-Husbands

Smiled and explained,

“I married
one for the money,
two for the show,
three to get ready, and
four to go.”

Time After Time played by Miles Davis

Some things are just classic. Time after Time by Cyndi Lauper

time-after-time-logoThe song’s title, Time After Time, was inspired after Lauper started writing for the song and needed a fake title as a placeholder for the time being. Thus, Lauper was looking in the TV Guide and saw a lot of movie titles, with the 1979 science fiction movie Time After Time being chosen. Although trying to remove the title later, Lauper claimed she couldn’t take it out without the song falling apart.

The spring of 1983, Cyndi Lauper was introduced to American musician Rob Hyman. Hyman and she sat at a piano and started working on “Time After Time” with the inspiration for the song coming after both songwriters were going through similar things with their relationships. Hyman was coming out of a long and hard relationship, and Lauper was having a lot of bumps in her relationship with current boyfriend, David Wolff. One of the first lines Rob wrote was “suitcase of memories”, which according to Cyndi, “strucked her”, claiming it was a “wonderful line”, while other lines came from her life.

time-after-time

The biography and history of Miles Davis:

May his music live long, and Miles rest in peace.

The Parable of the Pencil

Parable Of The Pencil

The Pencil Maker took the pencil aside, just before putting him into the box.pencil-hand

There are 5 things you need to know, he told the pencil, before I send you out into the world. Always remember them and never forget, and you will become the best pencil you can be.

  1. You will be able to do many great things, but only if you allow yourself to be held in Someone’s hand.
  2. You will experience a painful sharpening from time to time, but you’ll need it to become a better pencil.
  3. You will be able to correct any mistakes you might make.
  4. The most important part of you will always be what’s inside.
  5. On every surface you are used on, you must leave your mark. No matter what the condition, you must continue to write.

The pencil understood and promised to remember, and went into the box with purpose in its heart.

Now replacing the place of the pencil with you; always remember them and never forget, and you will become the best person you can be.

  1. You will be able to do many great things, but only if you allow yourself to be held in God’s hand. And allow other human beings to access you for the many gifts you possess.
  2. You will experience a painful sharpening from time to time, by going through various problems, but you’ll need it to become a stronger person.
  3. You will be able to correct any mistakes you might make.
  4. The most important part of you will always be what’s on the inside.
  5. On every surface you walk through, you must leave your mark. No matter what the situation, you must continue to do your duties.

By understanding and remembering, let us proceed with our life on this earth having a meaningful purpose in our heart.

~ Author Unknown ~

Creedance Clearwater Revival – 35 Greatest Hits (Full Album)

Like many music listeners, I’ve always enjoyed the sound and songs of Creedance Clearwater Revival. Here is their 35 greatest hits. Which one is your favorite? Leave a comment.

Creedance Clearwater Revival

0:00:00 Bad Moon Rising
0:02:18 Proud Mary
0:05:24 Up Around The Bend
0:08:04 Have You Ever Seen The Rain
0:10:41 Hey Tonight
0:13:21 I Hear It Through The Grapevine
0:17:12 My Baby Left Me
0:19:27 Wrote A Song For Everyone
0:27:27 The Midnight Special
0:31:36 Run Through The Jungle
0:34:40 It’s Just A Thought
0:38:29 Walking On The Water
0:43:04 Night Time Is The Right Time
0:46:10 (Wish I Could) Hideaway
0:49:49 Cotton Fields
0:52:43 Someday Never Comes
0:56:37 Suzie Q
1:01:11 Lookin’ Out My Back Door
1:03:41 Travelin’ Band
1:05:46 Down On The Corner
1:08:28 Who’ll Stop The Rain
1:10:57 Fortunate Son
1:13:15 Good Golly Miss Molly
1:15:56 Long As I Can See The Light
1:19:29 Sweet Hitch-Hiker
1:22:23 Born On The Bayou
1:27:35 Molina
1:29:39 Hello Mary Lou
1:31:49 Green River
1:34:23 It Came Out Of The Sky
1:37:18 Don’t Look Now
1:39:26 Commotion
1:42:08 Before You Accuse Me
1:45:33 Ooby Dooby
1:47:36 I Put A Spell On You

 

Private Placement Securities Investment: What is It?

What is Private Placement?

From Wikipedia, the free encyclopedia

Private PlacementPrivate placement (or non-public offering) is a funding round of securities which are sold not through a public offering, but rather through a private offering, mostly to a small number of chosen investors.[1]  Private placement usually refers to non-public offering of shares in a public company (since, of course, any offering of shares in a private company is and can only be a private offering). PIPE (private investment in public equity) deals are one type of private placement. SEDA (standby equity distribution agreement) is also a form of private placement. They are often acheaper source of capital than a public offering.

Private Placement In the United States

Although these placements are subject to the Securities Act of 1933, the securities offered do not have to be registered with the Securities and Exchange Commission if the issuance of the securities conforms to an exemption from registrations as set forth in the Securities Act of 1933 and SEC rules promulgated thereunder. Most private placements are offered under the Rules known as Regulation D. Private placements may typically consist of offers of common stock or preferred stock or other forms of membership interests, warrants or promissory notes(including convertible promissory notes), bonds, and purchasers are often institutional investors such as banksinsurance companies or pension funds. Common exemptions from theSecurities Act of 1933 allow an unlimited number of accredited investors to purchase securities in an offering. Generally, accredited investors are those with a net worth in excess of $1 million or annual income exceeding $200,000 or $300,000 combined with a spouse. Under these exemptions, no more than 35 non-accredited investors may participate[2] in a private placement. In most cases, all investors must have sufficient financial knowledge and experience to be capable of evaluating the risks and merits of investing in a company.

References

  1. Comptroller of the Currency Administrator of National Banks (March 1990). Private placements: Comptroller’s Handbook. US Department of the Treasury. Retrieved 2009-06-13.
  2. Morgan, Thomas; Lewis and Roca LLP (March 6, 2013). “Raising Capital – What You Don’t Know Could Hurt You”The National Law Review. Retrieved March 17, 2013.

 

Solar FREAKIN Roadways

This is totally cool and the future for saving the planet from environmental contamination.

Years ago, when the phrase “Global Warming” began gaining popularity, the inventors of Solar Roadway Panels started batting around the idea of replacing asphalt and concrete surfaces with solar panels that could be driven upon.  In consideration, they thought about the “black box” on airplanes; they didn’t know what material that black box was made of, but it seemed to be able to protect sensitive electronics from the worst of airline crashes.

So, they imagined making a section of road out of this material and housed solar cells to collect energy, which could pay for the cost of the panel, thereby creating a road that would pay for itself over time.  Then, they asked: what if we added LEDs to “paint” the road lines from beneath, lighting up the road for safer night time driving?  What if we added a heating element in the surface (like the defrosting wire in the rear window of our cars) to prevent snow/ice accumulation in northern climates?  The ideas and possibilities just continued to roll in and the Solar Roadway project was born.

 

 

This could be a VERY GOOD investment in which to participate, as suggested by U.S. Senator Mike Crapo who discusses the Solar Roadways project:

 

 

And this exciting presentation explains how these panels work: