Making Money Software

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1. 
   
   
   

   Yeah - obviously we can only speculate when Facebook will be profitable, assuming they aren't already. I don't know anything about Facebook - I left in May and never did learn the API. It seemed like a very poor place to try to earn a living.

   
   
   

   I am, however, very familiar with the Twitter API. Again, we can only speculate on the financials but it seems to me that Twitter's management is much more focused on the numbers, and they've begun to back away from the "Wild West" openness of the API in favor of negotiated partnerships. So I think they'll make it to profitability, and soon.

   
   
   

   I honestly think Twitter is still too open, but their management is on record as saying they think openness is a requirement for "survival". We'll see - once the election is over and the holiday season starts, Twitter traffic will start growing again. They've apparently got some good partnerships in place with the NFL and NBA, and the holiday film season will also be tweeted. So I'm bullish on Twitter.

   
   
   

   Posted by: M. Edward (Ed) Borasky |
   October 14, 2010 1:34 AM

   
   
















2. 
   
   
   

   I find Facebook model more clear than the Twitter one. Facebook business model is based on the social graph and Twitter business model is based, on... well... nobody knows.
   
   For that reason Twitter is a dangerous company to partner with. You developer something cool based on their API, and a few months later they developed the same thing or bought a competitor.

   
   
   

   Posted by: Guillermo | Social Media apps |
   October 14, 2010 2:13 AM

   
   
















3. 
   
   
   

   I was looking for a job back in May, after we moved from DC to Houston. I was having a very hard time keeping track of where I had applied. I literally applied to hundreds of jobs. With all my spare time, I put together a simple website with all the landing pages of the open positions at well over 200 companies nationwide.

   
   
   

   For those of you out there, looking for a job. Here's the website:

   
   
   

   http://grantbeehler.net/jobs.html

   
   
   

   I got a job in the beginning of July, making more than I did in DC, so we're very happy with the move. But I figure others may still be able to use the site.

   
   
   

   I'm looking for suggestions to expand the list as well, so please let me know!

   
   
   

   Good Luck!
   
   

   
   
   

   Posted by: Grant |
   October 14, 2010 7:01 PM

   
   
















4. 
   
   
   

   How to buy a wedding dress

   
   
   

   Before you start your search for the cheap wedding gowns, you might like to carefully consider the fit, style and color.
   
   Wedding etiquette and customs are changing. Pretty much anything and everything goes. If you want to wear a Cinderella style ball gown to the County Courthouse, I say Do It! But, if you'd like to follow with tradition, the type of ceremony usually dictates the proper style of gown. A long formal dress is suitable for a church or civil ceremony. A short dress or suit is also a nice option for a courthouse wedding. A beach wedding usually requires a more casual dress and bare feet. A garden ceremony perhaps will dictate a lighter, more gossamer fabric. If you are getting hitched at midnight on a snowy mountain top... a matching cloak and full length long johns might be in order. Also keep in mind that the back of your dress is very important, especially if your guests will be staring at it for the entire ceremony.
   
   White became the established color for wedding gowns in the 18th century. Queen Victoria married Albert wearing a white gown, and that pretty much set the style in stone. However, these days you are no longer limited to a single color option when selecting your wedding dress. Recent trends have included gorgeous gowns in all colors of the rainbow. If you are more conservative then you'd probably be happiest with white, ivory, or pale blush pink. If you are dramatic then why not select a vibrant color you relate to. Even if you'd like an emerald green gown, chances are, you can find one on EBay. Remember to choose a color that is going to flatter your complexion. You can find out if you are a warm or a cool type by visiting a cosmetic counter. Ask the salesperson which you are, that way you can find out which colors to gravitate to. Warm colors include yellow, red, orange, yellow-green and purple. Cool colors are blue, violet, turquoise, sea green and green. Neutral colors are black, white, gray, beige and brown and look good on both warm and cool types.
   
   Some common sense comes in handy when you've found a dress you'd like to bid on. Feel free to ask questions as the seller should be more than happy to address your concerns. Find out the exact measurements of the gown, as well as the shipping costs. Ask for the seller's return policy if it is not listed in the ad. Remember to check your EBay seller's feedback before purchasing. With a bit of diligence and a dash of courage you can find your perfect dress on EBay.
   
   Wedding World has some great options available now, and we'd love for you to check them out. Thanks.
   
   

   
   
   

   Posted by: ludahei |
   October 18, 2010 1:39 AM

   
   
























Whether or not 28 days between its announcement and it shipping sets a new record for the company, the Nokia C7 is a welcome addition to the Finn’s smartphone line-up. Slotting into the company’s mainstream range, it’s the second Symbian^3 device after the Nokia N8 we reviewed a few days ago. More first-impressions, plus hands-on photos and video after the cut.








Unlike the N8′s well-stocked box, the C7 makes do with a somewhat sparser selection of accessories. There’s a compact 2.5mm charger (rather than a microUSB charger, though you can rejuice the C7 via its microUSB port) and a basic wired stereo headset with an in-line call answer button and microphone, together with a very short – as in only a couple of inches – USB cable, getting-started guide and the phone itself. Unlike the N8 there’s no HDMI output, but the C7 does support USB On The Go; you’ll have to buy the required cable yourself, though, since Nokia don’t bundle one.




Nokia C7 unboxing & hands-on:










The C7 itself feels sturdy and expensive, with lashings of metal around the bezel and the battery cover, and a glass front panel covering the 3.5-inch AMOLED capacitive touchscreen. As on the N8 that runs at 640 x 360 resolution, and in fact our first impression is that both devices run pretty much identically. Nokia’s usual suite of apps – Ovi Maps, a shortcut to the Ovi Store, the video editing software – are all loaded, and you have three homescreens to customize, each with up to six widgets.






On the back there’s an 8-megapixel camera with autofocus and a dual-LED flash; no Xenon or 12-megapixels as on the N8, but it does make the C7 slimmer and less likely to catch on a pocket or bag. It’ll record 720p HD 25fps video clips, too. The C7 also shares the N8′s superlative connectivity: as well as WiFi b/g/n and Bluetooth 3.0 there’s quadband GSM/EDGE and five-band WCDMA, making the handset suitable for both AT&T and T-Mobile in the US, and use across Europe.




At a casual glance, then, the C7 arguably offers the best of the N8 at a considerable saving: it’s €335 pre-tax and subsidies, but we’d imagine carrier deals will bring that down to a free device and a relatively cheap monthly agreement. Whether it’s worth the money is still to be seen, however; we’ll be working that out for the full SlashGear review.






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Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake detroit



Comments




Subscribe to comments for this post OR Subscribe to comments for all ReadWriteCloud posts









1. 
   
   
   

   Yeah - obviously we can only speculate when Facebook will be profitable, assuming they aren't already. I don't know anything about Facebook - I left in May and never did learn the API. It seemed like a very poor place to try to earn a living.

   
   
   

   I am, however, very familiar with the Twitter API. Again, we can only speculate on the financials but it seems to me that Twitter's management is much more focused on the numbers, and they've begun to back away from the "Wild West" openness of the API in favor of negotiated partnerships. So I think they'll make it to profitability, and soon.

   
   
   

   I honestly think Twitter is still too open, but their management is on record as saying they think openness is a requirement for "survival". We'll see - once the election is over and the holiday season starts, Twitter traffic will start growing again. They've apparently got some good partnerships in place with the NFL and NBA, and the holiday film season will also be tweeted. So I'm bullish on Twitter.

   
   
   

   Posted by: M. Edward (Ed) Borasky |
   October 14, 2010 1:34 AM

   
   
















2. 
   
   
   

   I find Facebook model more clear than the Twitter one. Facebook business model is based on the social graph and Twitter business model is based, on... well... nobody knows.
   
   For that reason Twitter is a dangerous company to partner with. You developer something cool based on their API, and a few months later they developed the same thing or bought a competitor.

   
   
   

   Posted by: Guillermo | Social Media apps |
   October 14, 2010 2:13 AM

   
   
















3. 
   
   
   

   I was looking for a job back in May, after we moved from DC to Houston. I was having a very hard time keeping track of where I had applied. I literally applied to hundreds of jobs. With all my spare time, I put together a simple website with all the landing pages of the open positions at well over 200 companies nationwide.

   
   
   

   For those of you out there, looking for a job. Here's the website:

   
   
   

   http://grantbeehler.net/jobs.html

   
   
   

   I got a job in the beginning of July, making more than I did in DC, so we're very happy with the move. But I figure others may still be able to use the site.

   
   
   

   I'm looking for suggestions to expand the list as well, so please let me know!

   
   
   

   Good Luck!
   
   

   
   
   

   Posted by: Grant |
   October 14, 2010 7:01 PM

   
   
















4. 
   
   
   

   How to buy a wedding dress

   
   
   

   Before you start your search for the cheap wedding gowns, you might like to carefully consider the fit, style and color.
   
   Wedding etiquette and customs are changing. Pretty much anything and everything goes. If you want to wear a Cinderella style ball gown to the County Courthouse, I say Do It! But, if you'd like to follow with tradition, the type of ceremony usually dictates the proper style of gown. A long formal dress is suitable for a church or civil ceremony. A short dress or suit is also a nice option for a courthouse wedding. A beach wedding usually requires a more casual dress and bare feet. A garden ceremony perhaps will dictate a lighter, more gossamer fabric. If you are getting hitched at midnight on a snowy mountain top... a matching cloak and full length long johns might be in order. Also keep in mind that the back of your dress is very important, especially if your guests will be staring at it for the entire ceremony.
   
   White became the established color for wedding gowns in the 18th century. Queen Victoria married Albert wearing a white gown, and that pretty much set the style in stone. However, these days you are no longer limited to a single color option when selecting your wedding dress. Recent trends have included gorgeous gowns in all colors of the rainbow. If you are more conservative then you'd probably be happiest with white, ivory, or pale blush pink. If you are dramatic then why not select a vibrant color you relate to. Even if you'd like an emerald green gown, chances are, you can find one on EBay. Remember to choose a color that is going to flatter your complexion. You can find out if you are a warm or a cool type by visiting a cosmetic counter. Ask the salesperson which you are, that way you can find out which colors to gravitate to. Warm colors include yellow, red, orange, yellow-green and purple. Cool colors are blue, violet, turquoise, sea green and green. Neutral colors are black, white, gray, beige and brown and look good on both warm and cool types.
   
   Some common sense comes in handy when you've found a dress you'd like to bid on. Feel free to ask questions as the seller should be more than happy to address your concerns. Find out the exact measurements of the gown, as well as the shipping costs. Ask for the seller's return policy if it is not listed in the ad. Remember to check your EBay seller's feedback before purchasing. With a bit of diligence and a dash of courage you can find your perfect dress on EBay.
   
   Wedding World has some great options available now, and we'd love for you to check them out. Thanks.
   
   

   
   
   

   Posted by: ludahei |
   October 18, 2010 1:39 AM

   
   
























Whether or not 28 days between its announcement and it shipping sets a new record for the company, the Nokia C7 is a welcome addition to the Finn’s smartphone line-up. Slotting into the company’s mainstream range, it’s the second Symbian^3 device after the Nokia N8 we reviewed a few days ago. More first-impressions, plus hands-on photos and video after the cut.








Unlike the N8′s well-stocked box, the C7 makes do with a somewhat sparser selection of accessories. There’s a compact 2.5mm charger (rather than a microUSB charger, though you can rejuice the C7 via its microUSB port) and a basic wired stereo headset with an in-line call answer button and microphone, together with a very short – as in only a couple of inches – USB cable, getting-started guide and the phone itself. Unlike the N8 there’s no HDMI output, but the C7 does support USB On The Go; you’ll have to buy the required cable yourself, though, since Nokia don’t bundle one.




Nokia C7 unboxing & hands-on:










The C7 itself feels sturdy and expensive, with lashings of metal around the bezel and the battery cover, and a glass front panel covering the 3.5-inch AMOLED capacitive touchscreen. As on the N8 that runs at 640 x 360 resolution, and in fact our first impression is that both devices run pretty much identically. Nokia’s usual suite of apps – Ovi Maps, a shortcut to the Ovi Store, the video editing software – are all loaded, and you have three homescreens to customize, each with up to six widgets.






On the back there’s an 8-megapixel camera with autofocus and a dual-LED flash; no Xenon or 12-megapixels as on the N8, but it does make the C7 slimmer and less likely to catch on a pocket or bag. It’ll record 720p HD 25fps video clips, too. The C7 also shares the N8′s superlative connectivity: as well as WiFi b/g/n and Bluetooth 3.0 there’s quadband GSM/EDGE and five-band WCDMA, making the handset suitable for both AT&T and T-Mobile in the US, and use across Europe.




At a casual glance, then, the C7 arguably offers the best of the N8 at a considerable saving: it’s €335 pre-tax and subsidies, but we’d imagine carrier deals will bring that down to a free device and a relatively cheap monthly agreement. Whether it’s worth the money is still to be seen, however; we’ll be working that out for the full SlashGear review.






benchcraft company scam


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake detroit

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robert shumake hall of shame


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake hall of shame



Comments




Subscribe to comments for this post OR Subscribe to comments for all ReadWriteCloud posts









1. 
   
   
   

   Yeah - obviously we can only speculate when Facebook will be profitable, assuming they aren't already. I don't know anything about Facebook - I left in May and never did learn the API. It seemed like a very poor place to try to earn a living.

   
   
   

   I am, however, very familiar with the Twitter API. Again, we can only speculate on the financials but it seems to me that Twitter's management is much more focused on the numbers, and they've begun to back away from the "Wild West" openness of the API in favor of negotiated partnerships. So I think they'll make it to profitability, and soon.

   
   
   

   I honestly think Twitter is still too open, but their management is on record as saying they think openness is a requirement for "survival". We'll see - once the election is over and the holiday season starts, Twitter traffic will start growing again. They've apparently got some good partnerships in place with the NFL and NBA, and the holiday film season will also be tweeted. So I'm bullish on Twitter.

   
   
   

   Posted by: M. Edward (Ed) Borasky |
   October 14, 2010 1:34 AM

   
   
















2. 
   
   
   

   I find Facebook model more clear than the Twitter one. Facebook business model is based on the social graph and Twitter business model is based, on... well... nobody knows.
   
   For that reason Twitter is a dangerous company to partner with. You developer something cool based on their API, and a few months later they developed the same thing or bought a competitor.

   
   
   

   Posted by: Guillermo | Social Media apps |
   October 14, 2010 2:13 AM

   
   
















3. 
   
   
   

   I was looking for a job back in May, after we moved from DC to Houston. I was having a very hard time keeping track of where I had applied. I literally applied to hundreds of jobs. With all my spare time, I put together a simple website with all the landing pages of the open positions at well over 200 companies nationwide.

   
   
   

   For those of you out there, looking for a job. Here's the website:

   
   
   

   http://grantbeehler.net/jobs.html

   
   
   

   I got a job in the beginning of July, making more than I did in DC, so we're very happy with the move. But I figure others may still be able to use the site.

   
   
   

   I'm looking for suggestions to expand the list as well, so please let me know!

   
   
   

   Good Luck!
   
   

   
   
   

   Posted by: Grant |
   October 14, 2010 7:01 PM

   
   
















4. 
   
   
   

   How to buy a wedding dress

   
   
   

   Before you start your search for the cheap wedding gowns, you might like to carefully consider the fit, style and color.
   
   Wedding etiquette and customs are changing. Pretty much anything and everything goes. If you want to wear a Cinderella style ball gown to the County Courthouse, I say Do It! But, if you'd like to follow with tradition, the type of ceremony usually dictates the proper style of gown. A long formal dress is suitable for a church or civil ceremony. A short dress or suit is also a nice option for a courthouse wedding. A beach wedding usually requires a more casual dress and bare feet. A garden ceremony perhaps will dictate a lighter, more gossamer fabric. If you are getting hitched at midnight on a snowy mountain top... a matching cloak and full length long johns might be in order. Also keep in mind that the back of your dress is very important, especially if your guests will be staring at it for the entire ceremony.
   
   White became the established color for wedding gowns in the 18th century. Queen Victoria married Albert wearing a white gown, and that pretty much set the style in stone. However, these days you are no longer limited to a single color option when selecting your wedding dress. Recent trends have included gorgeous gowns in all colors of the rainbow. If you are more conservative then you'd probably be happiest with white, ivory, or pale blush pink. If you are dramatic then why not select a vibrant color you relate to. Even if you'd like an emerald green gown, chances are, you can find one on EBay. Remember to choose a color that is going to flatter your complexion. You can find out if you are a warm or a cool type by visiting a cosmetic counter. Ask the salesperson which you are, that way you can find out which colors to gravitate to. Warm colors include yellow, red, orange, yellow-green and purple. Cool colors are blue, violet, turquoise, sea green and green. Neutral colors are black, white, gray, beige and brown and look good on both warm and cool types.
   
   Some common sense comes in handy when you've found a dress you'd like to bid on. Feel free to ask questions as the seller should be more than happy to address your concerns. Find out the exact measurements of the gown, as well as the shipping costs. Ask for the seller's return policy if it is not listed in the ad. Remember to check your EBay seller's feedback before purchasing. With a bit of diligence and a dash of courage you can find your perfect dress on EBay.
   
   Wedding World has some great options available now, and we'd love for you to check them out. Thanks.
   
   

   
   
   

   Posted by: ludahei |
   October 18, 2010 1:39 AM

   
   
























Whether or not 28 days between its announcement and it shipping sets a new record for the company, the Nokia C7 is a welcome addition to the Finn’s smartphone line-up. Slotting into the company’s mainstream range, it’s the second Symbian^3 device after the Nokia N8 we reviewed a few days ago. More first-impressions, plus hands-on photos and video after the cut.








Unlike the N8′s well-stocked box, the C7 makes do with a somewhat sparser selection of accessories. There’s a compact 2.5mm charger (rather than a microUSB charger, though you can rejuice the C7 via its microUSB port) and a basic wired stereo headset with an in-line call answer button and microphone, together with a very short – as in only a couple of inches – USB cable, getting-started guide and the phone itself. Unlike the N8 there’s no HDMI output, but the C7 does support USB On The Go; you’ll have to buy the required cable yourself, though, since Nokia don’t bundle one.




Nokia C7 unboxing & hands-on:










The C7 itself feels sturdy and expensive, with lashings of metal around the bezel and the battery cover, and a glass front panel covering the 3.5-inch AMOLED capacitive touchscreen. As on the N8 that runs at 640 x 360 resolution, and in fact our first impression is that both devices run pretty much identically. Nokia’s usual suite of apps – Ovi Maps, a shortcut to the Ovi Store, the video editing software – are all loaded, and you have three homescreens to customize, each with up to six widgets.






On the back there’s an 8-megapixel camera with autofocus and a dual-LED flash; no Xenon or 12-megapixels as on the N8, but it does make the C7 slimmer and less likely to catch on a pocket or bag. It’ll record 720p HD 25fps video clips, too. The C7 also shares the N8′s superlative connectivity: as well as WiFi b/g/n and Bluetooth 3.0 there’s quadband GSM/EDGE and five-band WCDMA, making the handset suitable for both AT&T and T-Mobile in the US, and use across Europe.




At a casual glance, then, the C7 arguably offers the best of the N8 at a considerable saving: it’s €335 pre-tax and subsidies, but we’d imagine carrier deals will bring that down to a free device and a relatively cheap monthly agreement. Whether it’s worth the money is still to be seen, however; we’ll be working that out for the full SlashGear review.






robert shumake detroit






robert shumake hall of shame


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake twitter






robert shumake hall of shame


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake twitter


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake hall of shame


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


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robert shumake twitter
robert shumake twitter


Crowd gets raucous at Oberstar-Cravaack debate | Duluth <b>News</b> <b>...</b>

Jim Oberstar and Chip Cravaack didn't just face each other this morning at the Duluth Entertainment Convention Center Auditorium, they faced angry mobs of their opponent's supporters.

Small Business <b>News</b>: BlogWorld Wrap Up

BlogWorld 2010 has come and gone with more than a few new revelations imperative to the small business community. This post will feature as kind of a wrap up of.

Watershed debuts Waterproof Bag for iPad | iLounge <b>News</b>

iLounge news discussing the Watershed debuts Waterproof Bag for iPad. Find more iPad Accessories news from leading independent iPod, iPhone, and iPad site.


robert shumake detroit

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One popular method of creating unique content is purchasing two eBooks and combining the best information to create one, solid eBook with the best material. This can also help create a large eBook, making it more valuable as the buyer is able to get more for their buck.

Creating an eBook can also be done by purchasing Private Label Articles. You can combine the articles into an eBook and market it that way. The possibilities are endless when it comes to making money off of Private Label Rights products.

The road to success in purchasing and selling PLRs is understanding what your intended goal is. By having a specific market and an audience to sell it, it is easier to work around the existing product and adding unique information to it. Follow the need of your audience, as they will tell you what they want. By giving the customer exactly what they want, you will not only have the reputation of a quality author but also all the profits.

Even though you are purchasing an existing product, you should always put in the effort to modify the PLR according to your wishes. Changing the facts and details of an eBook is simple, and it will provide the customer with solid information. Happy customers will always be willing to return and purchase other PLR products from you, thus giving you continuing earnings and professional marketing skills.


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Being Right or Making Money

Many Californians live in California because they love the natural beauty that surrounds them at every turn. The beaches, the mountains and the desert are, in my mind, some of California’s greatest assets. There is nothing quite as satisfying as waking up on a morning like today and seeing the crisp outline of the San Bernardino mountain range capped in snow while enjoying 70 degree weather.

If we are being honest, the weather and natural beauty are probably some of the only things keeping many Californians from fleeing the state because of high taxes, unemployment, an inept state government and an oppressive business environment. It would make sense then, that we should try to protect those natural resources at all costs. This is the garbage that the opponents of Prop 23 would have you believe, where in today’s world everything not “green” might as well be labeled “poison”.

Take a look at just what Prop 23 is up against. In 2006, the California legislature passed AB 32, also known as the Global Warming Solutions Act. The mere name of the bill should give you the idea that they were trying to compensate for something with that lofty title, namely- common sense. What AB 32 did was create a government entity with incredible power not only to levy regulations on businesses that emit greenhouse gasses but also to create cap-and-trade laws to slow CO2 emissions.

The grand plan for AB 32 is to return California to 1990 levels of emissions over the course of 14 years, making 2020 the target year to achieve environmental nirvana. Obviously, reducing emissions isn’t a terrible idea… in a vacuum. But we don’t live in a vacuum and other factors have to be taken into account, mainly the economic cost and the loss of freedom that would come from turning over something so arbitrary as ‘the right to emit’ to the jurisdiction of the government.

Start with the title. I’m not a scientist, but I have read enough over the years to understand that global warming (and cooling) has been happening since the beginning of time regardless of CO2 emissions. I also know that the scientists who are hired by ‘green’ companies to prove global warming might not have the purest intentions based on where their funding comes from. With the incredible push in the last ten years towards ‘clean’ and ‘green’ jobs, often at the expense of politically unfavorable jobs in the industrial sector, I have a hard time believing that in the future, with AB 32 in full swing, a job that isn’t ‘green’ will struggle to survive.

The problem is that green jobs created simply because they are ‘green’ are not sustainable. Why does it matter if a job is green or not? The mere fact that the government has to categorize jobs as green means that they are giving it some intrinsic value that it lacked in the first place. In this case, that value is profitability. In a healthy economy, jobs exist because they are making someone besides worker money. Green jobs very rarely make money. Green jobs are essentially environmental welfare- a money sink that takes in far more cash than it could ever hope to create. Look at the process: the government takes money from non-green businesses in the form of fees and taxes, and then distributes it to consumers as a tax credit for installing ‘green’ appliances or to an overseas developer to manufacture clean power sources. Remind me again how this benefits Californians?

The negative impact that AB 32 will have on businesses when it is fully implemented is staggering. A 2009 Cal State Sacramento study predicted that small businesses will pay an average of $46,961 and families will face annual cost increase of $3,857 because of AB 32. The combined annual business loss would be $182.6 billion, or, as the study recommends, 1.1 million lost jobs.

These are daunting predictions to be sure. Frightening, in fact. The mere fact that legislators in Sacramento have had these numbers in hand for over a year and are still fighting Prop 23 is an indication of just how entrenched in the ‘green’ myth they have become. Prop 23 would suspend these regulations until the statewide economy improves to a point where it could support environmental welfare, which, at least in regards to AB 32, should be never.

Submitted by Options Trading Signals

Learn How Out-of-the-Money Butterflies Create Profits Trading SPX

Over the past few weeks the broad stock market has seemingly grown
increasingly more bullish. Market pundits, traders, and even high
profile money managers are stating publicly that the easy trade over the
next few years will simply be being long high quality stocks. While
time may prove these managers wise, it is likely a bit early to be that
bullish.

As a trader, our job is to create profits consistently regardless of
price action. The best traders are masters of blocking out the noise and
emotion, and letting various forms of data guide their decision making.
At this point in time the bulls have the bears pushed against key
resistance at the SPX 1150 area. However, the bears have their eyes set
on the 1130 level and from there the key SPX 1040 support area.

If the S&P 500 breaks out over the 1150 area with strong volume
we could move higher to test recent highs; however, if the 1040 area
were to give way to the bears the bullish parade would end. At this
point in time, it is too early to tell which side is going to win this
battle. The monthly chart of SPX tells the entire story.

Until proven otherwise, my bias is to the downside. What might
surprise most readers is the reasoning behind my thinking. My
expectation of lower prices has nothing to do with macro economic
conditions, it has nothing to do with unprecedented intervention that we
have witnessed by the United States federal government, and it has
nothing to do with housing numbers. The reasoning behind potentially
lower prices is simple, defined risk. The SPX chart above and even the
daily chart listed below are both indicative that the SPX 1150 area is a
critical psychological level for market participants. We are literally
at a precipice right here, right now.

When major resistance or support is very near the current spot price
of any underlying, typically low risk/reward setups can be found. After
spinning through several ideas and option strategies, an out of the
money butterfly spread seemingly made a lot of sense. The out of the
money butterfly spread would benefit from the passage of time and would
not be as exposed to a comeuppance in volatility. This strategy could
produce a great potential return for a defined amount of risk.

After some brief analysis, the best proxy was using the Spider ETF
SPY as opposed to the SPX index. The bid/ask spreads are quite wide on
SPX at times, particularly when volatility is rising. Consequently, it
can be arduous to get decent fills from the SPX market makers in rapidly
moving market conditions which seem to be the norm recently. Besides
the normal option expiration on monthly or quarterly basis, options that
expire every week have grown in popularity recently. A primary reason
why volumes have exploded is due to the weekly expirations routine
offering of unbelievable risk/reward setups, particularly through the
utilization of Theta (time) decay trading setups.

After running through various expiration dates, it made since to
utilize the October weekly options that expire on Friday, October 8.
Since I have a bias to the downside, I used an out of the money put
butterfly. Traditional butterflies are typically written where the
current price is straddled by the wings of the butterfly spread. In an
out of the money butterfly, an option trader places the entire position
out of the money. It helps reduce the cost of the butterfly, and because
the option contracts are out of the money, they are not impacted as
harshly by rising volatility. In addition, these out of the money
butterflies usually have very attractive risk/reward characteristics.

SPY was trading around $114.13/share at the close on Thursday, so the
out of the money butterfly I constructed had the following strikes:
Long 1 OCT WKLY. SPY 108 Put / Short 2 OCT WKLY. SPY 111 Puts / Long 1
OCT WKLY. SPY 114 Put. Here is a snapshot of the SPY October weekly
option chain as of the close Thursday:

The Thursday closing option prices are as follows for the butterfly
mentioned above: SPY 108 Put = $18/contract; SPY 111 Put = $37/contract;
SPY 114 Put = $127/contract. The total cost to place the out of the
money SPY weekly put butterfly would have been $71 per side (not
including commissions). The maximum gain at expiration on this trade
would be a close at $111/share on SPY and it would produce a profit
around $225 (not including commission).

Clearly we would not expect to achieve the maximum gain, but this
trade would produce a profit if SPY closed between $108.70/share and
$113.30/share at expiration (October 8). The profitability chart is
below; keep in mind that the red line is the valuation at expiration and
the white line would be the profit based on that particular day.

Obviously market conditions throughout the trading day Friday and
next week will alter the prices and implied volatility of this trade.
This should not be viewed as a trade that should be taken, but an
example of what kind of returns are possible for option traders that
want to use out of the butterflies with a directional bias.

The most exciting thing about a trade like this is that the trader
can crisply define his/her risk. When the maximum risk is a specified
amount, managing risk becomes almost arbitrary. A trader simply
determines how much he/she is willing to risk/lose, and simply places
the trade. A mere $142 risk could produce a potential profit well over
$450! Keep in mind, that should price move within the confines of the
outer strikes (wings) of the butterfly, it might make sense to take
profits depending on the size of a trader’s position. Typically I like
to take profits once price action has produced a gain of 10-20%
depending on market conditions, time frame, and the strategy that I am
using. After taking profits, I typically utilize contingent stop orders
for the remainder of my position and manage it accordingly.

There are additional manipulations that could be made if price looked
like it were going to break below the 108 strike level that would allow
this trade to either remain essentially flat or potentially profit even
more. Additionally, a similar trade using calls could be placed using
the weekly call strikes 115/118/121 for a trader who was bullish.
Regardless of a trader’s directional bias, the beauty of options is not
only their ability to produce setups where risk is clearly defined, but
the potential to manipulate a position in real time allows for
fluctuations in price action or market conditions.

As for the direction of the market, who knows what the next six
trading sessions will bring. Sometimes not trading is the best trade,
but if you absolutely feel you must have some exposure, keep positions
small, risk exposure tight, and do not hesitate to take profits – easier
trades lie ahead.

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Being Right or Making Money

For months now, Jim Garlow has been telling anyone who will listen that they need to read the book "Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem" by Jay W. Richards because it perfectly explains how economic issues should be handled from a biblical perspective.  He even dedicated a segment during the first Pray and Act webcast to promoting the book and its ideas:

If we have 535 people in Washington, DC - House and Senate - who are voting through laws that cause grandchildren and great-grandchildren of yours yet unborn to be saddled with a debt they cannot handle, that is called thievery.

There's a law against stealing: Thou shalt not steal. We have no right to steal from future generations. So the whole economic issue is a biblical issue.

Debt like we have in America is immoral. It is wrong. There should be a screaming up. This could cause a suffocation and a complete destruction of all we hold dear. The taxation is becoming oppressive.

The reason that we have these kind of bad laws passing in our Congress is very simple: what percentage of the people making the laws are attending a church where the Bible is being taught? Let me go further though: if it's a small percentage that are there, let's just pick an arbitrary number - 10%, 15%, 20% - are attending a church where the Bible is being taught, let me ask you a question, how many of them are going to a church where biblical economics is being taught so the person who goes to make the laws has the moral foundation, the biblical background, to be able to vote through the right kind of laws? We have been silent and I believe the spirit of God is stirring something at a deep level.

Garlow brought it up again the second Pray and ACT webcast and preached a sermon on it at his church last weekend:

I preached then, and in four Sunday services, on a topic about which I had never taught: the biblical economic principles related to the current crushing national debt and the oppressive taxation. The Bible has much to say about civil governance (and how peace and tranquilly can be experienced in our communities) and has much more to say about the underpinnings to our national economic situations than I had previously anticipated. If you have the time or interest, you can hear it at http://www.skylinechurch.org/skyline/?page_id=26. And, as I have stated before, I commend Jay Richard’s exceptional book, Money, Greed and God to everyone.

To date, Garlow had pretty much been all alone in recommending the book and its teachings, but that looks like that is about to change as the Family Research Council has announced that they will be hosting an event featuring Richards and his book in December:

Jay Richards is a Senior Fellow of the Discovery Institute and a Contributing Editor of The American at the American Enterprise Institute. In recent years he has been a Visiting Fellow at the Heritage Foundation, and a Research Fellow and Director of Acton Media at the Acton Institute.

He has written many academic articles, books, and popular essays on a wide variety of subjects. His most recent book is Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem.

I had resisted reading this because for a long time it seemed that only Garlow was recommending it, but now that it looks like it might be becoming a playbook for the movement, I guess I'll have to actually take a look at it.

so, yea, what's the big deal?

This is not a simple matter of temporary inconvenience. If you agree to pay interest on a loan from them you are enslaving yourself. It is very simple, and they don't want you to know that.

The loan money you agree to pay back did not exist until you signed the dotted line. In fact, it will never 'exist'. When you purchase a home or a car you agree to make payments until the loan is completely paid off, paying an 'agreed' interest rate, a premium, for the convenience of taking control of the home or car without paying in full. But no money is ever exchanged. The loan document is essentially an agreement that if you stop making payments the bank will have to take over, potentially at a loss. Either way the third party, such as the original owner of the home, or Toyota, in the case of a car, is paid in full by the bank - the third party is no longer involved. They have received full payment. But you, my dear consumer, are now a slave.

Why use such a term as slave? Because you are working for someone that never worked for the money in the first place. They 'printed' it. They increased the number of zeros on their ledger because you have agreed to make payments on that money, but it never existed in the first place. That is, the Federal Reserve has the ability to increase the money supply and then pass it on to their 'member' banks: Wells Fargo, Citi, Bank of America, etc. These banks will only take a loss if you stop making payments - and they threaten you with a lower FICO score, which is always fluctuating and at risk of identity fraud anyway, if you decide not to play anymore. So how is this slavery? You are paying interest on money they did not work for. But you had to sweat to get the money to pay that interest. Your sweat goes to these bankers without them doing a thing. If enough of your fellow consumers stop making payments the house of cards falls and the big bank gets a bailout. The small banks just get their assets gobbled up by the big banks; no bailout.

If you, my dear consumer, attempt to create money out of thin air you are put in jail. You are a cheat. But not them. They can create all the money they need, raising this so-called debt ceiling, creating programs like TARP, and other 'bailouts' for risk-taking banksters. That's right. They get your sweat in the form of interest payments, you slave, and they get to take risks because Glass-Steagall has been repealed, and if they fail, you, the taxpaying consumer, get to become the primary investor in their failure: the bailout. They threaten collapse, chaos, and even war if the don't get their bailout from the taxpayer. And then they turn around and lend you, the consumer, money at 10, 20, 30%.

So what is pragmatic? How about a system that cannot be manipulated? How about a system in which losers actually lose and are not allowed to play anymore instead of given huge bonuses? 

That system, is a gold-backed system. Keynes is popular in the current time because he speaks the language of bankers and politicians - not the People. There should be no such thing as inflation. Inflation is at best a hidden tax (increase the money supply to fund inefficient programs, sweetheart deals, and risky investments waiting for a bailout) because the value of the money under your mattress is devalued - you can't buy as much anymore. Why should anyone ever! be content to have less money the next day. You can buy X for $10 today, after inflation it will be $11. Why would you ever want that? How is that ever good? This is no mere inconvenience - it really is theft. So these financial scientists (bankers) and politician friends have devised a near perfect system of control. And because you can't inflate gold (it can't be copied, duplicated, or printed) it's 'value' stays constant. A gold coin will always have a specific weight and purity according to the standards of the mint it came from. That's what's in the Constitution - not an extra-governmental (private) instiution that can create as much money as it needs to maintain control!

Banking should be boring. They should accept deposits and charge money for keeping it safe in their vaults. But don't they pay depositors interest, you ask? Why would they pay you to keep your money safe when you can come in and get it back anytime you like? You can't run a business like that! The point of paying interest on a deposit is because the depositor agrees to allow the banker to loan the money to someone else. But that's not how it works, you say? Exactly. Because everybody knows that if enough depositors come to get their money the house of cards collapses and the FDIC has to step in. This should never happen. There should be no such thing, generally speaking, as a bankrun. A bank will fail if they make too many risky loans. That is, if a banker fails to properly evaluate the 'creditworthiness' of the individuals applying for loans. If too many loans go sour the banker fails and all of his assets are purchased by those making loans that are less risky. No need to ask Keynes what he thinks. Banking should not involve economics, which is really about the effects of human choice. Banking is math. If you deposit money, and you want to be able to get it the next day, you must pay the banker a fee for safekeeping. If you agree that your money can be lent to another, trusting the judgment of your banker, then you should receive part of the profit - and you cannot get it the next day, because it has already been lent! How can you possibly retrieve something that is not there? You banker would think you are an idiot to request money you agreed to lend! But that's what an honest system would work. Instead, we have an 'unlimited' system. It stops working properly if you apply gravity. Ron Paul's 26 year attempt to audit the Federal Reserve is almost more of an inside joke. He already knows that the Federal Reserve is evil - but he has a hard enough time deflecting attempts from the media to portray him as a lunatic as it is - he wants the public to perceive what a mudfight will ensue if they actually knew how the system works.

So growth would be slower. But it is inherently stable. Individuals are likely to take less risk, and they are less likely to get a loan that they probably won't be able to pay back. People sharpen their pencils. People look for other ways to finance their plans by seeking out friends, family, neighbors, etc instead of bankers. The free market is the market in which there is no restriction. But we do not have a free market. We have banksters hiding behind green curtains telling us what is best. The more stable the system the less money the banksters make. They make more money gaming the system: booms and busts - and we start to hear these pompous, paid economists (bankster apologists) tell us they couldn't see this was going to happen, and we all nod our heads, "Nobody saw this coming." So because the banksters never work for any of this money it is in their best interest that you, the simple-minded, ever-trusting consumer is in a perpetual state of paying interest. They are less interested in being paid in full than they are having you pay with your sweat.

Bankers control. Consumers always pay. Maybe you already explained all this to your girlie, my fellow FR-hater, and there is much more, but ask her what has always happened when enough people become apathetic to evil. The reason the founding fathers didn't get around to explaining the free market in the Constitution is because it is the lack of restriction. Real liberty. Let coined precious metals be the pinnacle of our economic system - everything else can be bartered. It keeps the bankers at bay.

I leave you with two quotes, from men of opposite character, that say the same thing using different words:

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For months now, Jim Garlow has been telling anyone who will listen that they need to read the book "Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem" by Jay W. Richards because it perfectly explains how economic issues should be handled from a biblical perspective.  He even dedicated a segment during the first Pray and Act webcast to promoting the book and its ideas:

If we have 535 people in Washington, DC - House and Senate - who are voting through laws that cause grandchildren and great-grandchildren of yours yet unborn to be saddled with a debt they cannot handle, that is called thievery.

There's a law against stealing: Thou shalt not steal. We have no right to steal from future generations. So the whole economic issue is a biblical issue.

Debt like we have in America is immoral. It is wrong. There should be a screaming up. This could cause a suffocation and a complete destruction of all we hold dear. The taxation is becoming oppressive.

The reason that we have these kind of bad laws passing in our Congress is very simple: what percentage of the people making the laws are attending a church where the Bible is being taught? Let me go further though: if it's a small percentage that are there, let's just pick an arbitrary number - 10%, 15%, 20% - are attending a church where the Bible is being taught, let me ask you a question, how many of them are going to a church where biblical economics is being taught so the person who goes to make the laws has the moral foundation, the biblical background, to be able to vote through the right kind of laws? We have been silent and I believe the spirit of God is stirring something at a deep level.

Garlow brought it up again the second Pray and ACT webcast and preached a sermon on it at his church last weekend:

I preached then, and in four Sunday services, on a topic about which I had never taught: the biblical economic principles related to the current crushing national debt and the oppressive taxation. The Bible has much to say about civil governance (and how peace and tranquilly can be experienced in our communities) and has much more to say about the underpinnings to our national economic situations than I had previously anticipated. If you have the time or interest, you can hear it at http://www.skylinechurch.org/skyline/?page_id=26. And, as I have stated before, I commend Jay Richard’s exceptional book, Money, Greed and God to everyone.

To date, Garlow had pretty much been all alone in recommending the book and its teachings, but that looks like that is about to change as the Family Research Council has announced that they will be hosting an event featuring Richards and his book in December:

Jay Richards is a Senior Fellow of the Discovery Institute and a Contributing Editor of The American at the American Enterprise Institute. In recent years he has been a Visiting Fellow at the Heritage Foundation, and a Research Fellow and Director of Acton Media at the Acton Institute.

He has written many academic articles, books, and popular essays on a wide variety of subjects. His most recent book is Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem.

I had resisted reading this because for a long time it seemed that only Garlow was recommending it, but now that it looks like it might be becoming a playbook for the movement, I guess I'll have to actually take a look at it.

so, yea, what's the big deal?

This is not a simple matter of temporary inconvenience. If you agree to pay interest on a loan from them you are enslaving yourself. It is very simple, and they don't want you to know that.

The loan money you agree to pay back did not exist until you signed the dotted line. In fact, it will never 'exist'. When you purchase a home or a car you agree to make payments until the loan is completely paid off, paying an 'agreed' interest rate, a premium, for the convenience of taking control of the home or car without paying in full. But no money is ever exchanged. The loan document is essentially an agreement that if you stop making payments the bank will have to take over, potentially at a loss. Either way the third party, such as the original owner of the home, or Toyota, in the case of a car, is paid in full by the bank - the third party is no longer involved. They have received full payment. But you, my dear consumer, are now a slave.

Why use such a term as slave? Because you are working for someone that never worked for the money in the first place. They 'printed' it. They increased the number of zeros on their ledger because you have agreed to make payments on that money, but it never existed in the first place. That is, the Federal Reserve has the ability to increase the money supply and then pass it on to their 'member' banks: Wells Fargo, Citi, Bank of America, etc. These banks will only take a loss if you stop making payments - and they threaten you with a lower FICO score, which is always fluctuating and at risk of identity fraud anyway, if you decide not to play anymore. So how is this slavery? You are paying interest on money they did not work for. But you had to sweat to get the money to pay that interest. Your sweat goes to these bankers without them doing a thing. If enough of your fellow consumers stop making payments the house of cards falls and the big bank gets a bailout. The small banks just get their assets gobbled up by the big banks; no bailout.

If you, my dear consumer, attempt to create money out of thin air you are put in jail. You are a cheat. But not them. They can create all the money they need, raising this so-called debt ceiling, creating programs like TARP, and other 'bailouts' for risk-taking banksters. That's right. They get your sweat in the form of interest payments, you slave, and they get to take risks because Glass-Steagall has been repealed, and if they fail, you, the taxpaying consumer, get to become the primary investor in their failure: the bailout. They threaten collapse, chaos, and even war if the don't get their bailout from the taxpayer. And then they turn around and lend you, the consumer, money at 10, 20, 30%.

So what is pragmatic? How about a system that cannot be manipulated? How about a system in which losers actually lose and are not allowed to play anymore instead of given huge bonuses? 

That system, is a gold-backed system. Keynes is popular in the current time because he speaks the language of bankers and politicians - not the People. There should be no such thing as inflation. Inflation is at best a hidden tax (increase the money supply to fund inefficient programs, sweetheart deals, and risky investments waiting for a bailout) because the value of the money under your mattress is devalued - you can't buy as much anymore. Why should anyone ever! be content to have less money the next day. You can buy X for $10 today, after inflation it will be $11. Why would you ever want that? How is that ever good? This is no mere inconvenience - it really is theft. So these financial scientists (bankers) and politician friends have devised a near perfect system of control. And because you can't inflate gold (it can't be copied, duplicated, or printed) it's 'value' stays constant. A gold coin will always have a specific weight and purity according to the standards of the mint it came from. That's what's in the Constitution - not an extra-governmental (private) instiution that can create as much money as it needs to maintain control!

Banking should be boring. They should accept deposits and charge money for keeping it safe in their vaults. But don't they pay depositors interest, you ask? Why would they pay you to keep your money safe when you can come in and get it back anytime you like? You can't run a business like that! The point of paying interest on a deposit is because the depositor agrees to allow the banker to loan the money to someone else. But that's not how it works, you say? Exactly. Because everybody knows that if enough depositors come to get their money the house of cards collapses and the FDIC has to step in. This should never happen. There should be no such thing, generally speaking, as a bankrun. A bank will fail if they make too many risky loans. That is, if a banker fails to properly evaluate the 'creditworthiness' of the individuals applying for loans. If too many loans go sour the banker fails and all of his assets are purchased by those making loans that are less risky. No need to ask Keynes what he thinks. Banking should not involve economics, which is really about the effects of human choice. Banking is math. If you deposit money, and you want to be able to get it the next day, you must pay the banker a fee for safekeeping. If you agree that your money can be lent to another, trusting the judgment of your banker, then you should receive part of the profit - and you cannot get it the next day, because it has already been lent! How can you possibly retrieve something that is not there? You banker would think you are an idiot to request money you agreed to lend! But that's what an honest system would work. Instead, we have an 'unlimited' system. It stops working properly if you apply gravity. Ron Paul's 26 year attempt to audit the Federal Reserve is almost more of an inside joke. He already knows that the Federal Reserve is evil - but he has a hard enough time deflecting attempts from the media to portray him as a lunatic as it is - he wants the public to perceive what a mudfight will ensue if they actually knew how the system works.

So growth would be slower. But it is inherently stable. Individuals are likely to take less risk, and they are less likely to get a loan that they probably won't be able to pay back. People sharpen their pencils. People look for other ways to finance their plans by seeking out friends, family, neighbors, etc instead of bankers. The free market is the market in which there is no restriction. But we do not have a free market. We have banksters hiding behind green curtains telling us what is best. The more stable the system the less money the banksters make. They make more money gaming the system: booms and busts - and we start to hear these pompous, paid economists (bankster apologists) tell us they couldn't see this was going to happen, and we all nod our heads, "Nobody saw this coming." So because the banksters never work for any of this money it is in their best interest that you, the simple-minded, ever-trusting consumer is in a perpetual state of paying interest. They are less interested in being paid in full than they are having you pay with your sweat.

Bankers control. Consumers always pay. Maybe you already explained all this to your girlie, my fellow FR-hater, and there is much more, but ask her what has always happened when enough people become apathetic to evil. The reason the founding fathers didn't get around to explaining the free market in the Constitution is because it is the lack of restriction. Real liberty. Let coined precious metals be the pinnacle of our economic system - everything else can be bartered. It keeps the bankers at bay.

I leave you with two quotes, from men of opposite character, that say the same thing using different words:

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benchcraft company portland or

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She accuses him of making "hate speech"; he says he refuses to sugar coat "harsh realities"

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For months now, Jim Garlow has been telling anyone who will listen that they need to read the book "Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem" by Jay W. Richards because it perfectly explains how economic issues should be handled from a biblical perspective.  He even dedicated a segment during the first Pray and Act webcast to promoting the book and its ideas:

If we have 535 people in Washington, DC - House and Senate - who are voting through laws that cause grandchildren and great-grandchildren of yours yet unborn to be saddled with a debt they cannot handle, that is called thievery.

There's a law against stealing: Thou shalt not steal. We have no right to steal from future generations. So the whole economic issue is a biblical issue.

Debt like we have in America is immoral. It is wrong. There should be a screaming up. This could cause a suffocation and a complete destruction of all we hold dear. The taxation is becoming oppressive.

The reason that we have these kind of bad laws passing in our Congress is very simple: what percentage of the people making the laws are attending a church where the Bible is being taught? Let me go further though: if it's a small percentage that are there, let's just pick an arbitrary number - 10%, 15%, 20% - are attending a church where the Bible is being taught, let me ask you a question, how many of them are going to a church where biblical economics is being taught so the person who goes to make the laws has the moral foundation, the biblical background, to be able to vote through the right kind of laws? We have been silent and I believe the spirit of God is stirring something at a deep level.

Garlow brought it up again the second Pray and ACT webcast and preached a sermon on it at his church last weekend:

I preached then, and in four Sunday services, on a topic about which I had never taught: the biblical economic principles related to the current crushing national debt and the oppressive taxation. The Bible has much to say about civil governance (and how peace and tranquilly can be experienced in our communities) and has much more to say about the underpinnings to our national economic situations than I had previously anticipated. If you have the time or interest, you can hear it at http://www.skylinechurch.org/skyline/?page_id=26. And, as I have stated before, I commend Jay Richard’s exceptional book, Money, Greed and God to everyone.

To date, Garlow had pretty much been all alone in recommending the book and its teachings, but that looks like that is about to change as the Family Research Council has announced that they will be hosting an event featuring Richards and his book in December:

Jay Richards is a Senior Fellow of the Discovery Institute and a Contributing Editor of The American at the American Enterprise Institute. In recent years he has been a Visiting Fellow at the Heritage Foundation, and a Research Fellow and Director of Acton Media at the Acton Institute.

He has written many academic articles, books, and popular essays on a wide variety of subjects. His most recent book is Money, Greed, and God: Why Capitalism Is the Solution and Not the Problem.

I had resisted reading this because for a long time it seemed that only Garlow was recommending it, but now that it looks like it might be becoming a playbook for the movement, I guess I'll have to actually take a look at it.

so, yea, what's the big deal?

This is not a simple matter of temporary inconvenience. If you agree to pay interest on a loan from them you are enslaving yourself. It is very simple, and they don't want you to know that.

The loan money you agree to pay back did not exist until you signed the dotted line. In fact, it will never 'exist'. When you purchase a home or a car you agree to make payments until the loan is completely paid off, paying an 'agreed' interest rate, a premium, for the convenience of taking control of the home or car without paying in full. But no money is ever exchanged. The loan document is essentially an agreement that if you stop making payments the bank will have to take over, potentially at a loss. Either way the third party, such as the original owner of the home, or Toyota, in the case of a car, is paid in full by the bank - the third party is no longer involved. They have received full payment. But you, my dear consumer, are now a slave.

Why use such a term as slave? Because you are working for someone that never worked for the money in the first place. They 'printed' it. They increased the number of zeros on their ledger because you have agreed to make payments on that money, but it never existed in the first place. That is, the Federal Reserve has the ability to increase the money supply and then pass it on to their 'member' banks: Wells Fargo, Citi, Bank of America, etc. These banks will only take a loss if you stop making payments - and they threaten you with a lower FICO score, which is always fluctuating and at risk of identity fraud anyway, if you decide not to play anymore. So how is this slavery? You are paying interest on money they did not work for. But you had to sweat to get the money to pay that interest. Your sweat goes to these bankers without them doing a thing. If enough of your fellow consumers stop making payments the house of cards falls and the big bank gets a bailout. The small banks just get their assets gobbled up by the big banks; no bailout.

If you, my dear consumer, attempt to create money out of thin air you are put in jail. You are a cheat. But not them. They can create all the money they need, raising this so-called debt ceiling, creating programs like TARP, and other 'bailouts' for risk-taking banksters. That's right. They get your sweat in the form of interest payments, you slave, and they get to take risks because Glass-Steagall has been repealed, and if they fail, you, the taxpaying consumer, get to become the primary investor in their failure: the bailout. They threaten collapse, chaos, and even war if the don't get their bailout from the taxpayer. And then they turn around and lend you, the consumer, money at 10, 20, 30%.

So what is pragmatic? How about a system that cannot be manipulated? How about a system in which losers actually lose and are not allowed to play anymore instead of given huge bonuses? 

That system, is a gold-backed system. Keynes is popular in the current time because he speaks the language of bankers and politicians - not the People. There should be no such thing as inflation. Inflation is at best a hidden tax (increase the money supply to fund inefficient programs, sweetheart deals, and risky investments waiting for a bailout) because the value of the money under your mattress is devalued - you can't buy as much anymore. Why should anyone ever! be content to have less money the next day. You can buy X for $10 today, after inflation it will be $11. Why would you ever want that? How is that ever good? This is no mere inconvenience - it really is theft. So these financial scientists (bankers) and politician friends have devised a near perfect system of control. And because you can't inflate gold (it can't be copied, duplicated, or printed) it's 'value' stays constant. A gold coin will always have a specific weight and purity according to the standards of the mint it came from. That's what's in the Constitution - not an extra-governmental (private) instiution that can create as much money as it needs to maintain control!

Banking should be boring. They should accept deposits and charge money for keeping it safe in their vaults. But don't they pay depositors interest, you ask? Why would they pay you to keep your money safe when you can come in and get it back anytime you like? You can't run a business like that! The point of paying interest on a deposit is because the depositor agrees to allow the banker to loan the money to someone else. But that's not how it works, you say? Exactly. Because everybody knows that if enough depositors come to get their money the house of cards collapses and the FDIC has to step in. This should never happen. There should be no such thing, generally speaking, as a bankrun. A bank will fail if they make too many risky loans. That is, if a banker fails to properly evaluate the 'creditworthiness' of the individuals applying for loans. If too many loans go sour the banker fails and all of his assets are purchased by those making loans that are less risky. No need to ask Keynes what he thinks. Banking should not involve economics, which is really about the effects of human choice. Banking is math. If you deposit money, and you want to be able to get it the next day, you must pay the banker a fee for safekeeping. If you agree that your money can be lent to another, trusting the judgment of your banker, then you should receive part of the profit - and you cannot get it the next day, because it has already been lent! How can you possibly retrieve something that is not there? You banker would think you are an idiot to request money you agreed to lend! But that's what an honest system would work. Instead, we have an 'unlimited' system. It stops working properly if you apply gravity. Ron Paul's 26 year attempt to audit the Federal Reserve is almost more of an inside joke. He already knows that the Federal Reserve is evil - but he has a hard enough time deflecting attempts from the media to portray him as a lunatic as it is - he wants the public to perceive what a mudfight will ensue if they actually knew how the system works.

So growth would be slower. But it is inherently stable. Individuals are likely to take less risk, and they are less likely to get a loan that they probably won't be able to pay back. People sharpen their pencils. People look for other ways to finance their plans by seeking out friends, family, neighbors, etc instead of bankers. The free market is the market in which there is no restriction. But we do not have a free market. We have banksters hiding behind green curtains telling us what is best. The more stable the system the less money the banksters make. They make more money gaming the system: booms and busts - and we start to hear these pompous, paid economists (bankster apologists) tell us they couldn't see this was going to happen, and we all nod our heads, "Nobody saw this coming." So because the banksters never work for any of this money it is in their best interest that you, the simple-minded, ever-trusting consumer is in a perpetual state of paying interest. They are less interested in being paid in full than they are having you pay with your sweat.

Bankers control. Consumers always pay. Maybe you already explained all this to your girlie, my fellow FR-hater, and there is much more, but ask her what has always happened when enough people become apathetic to evil. The reason the founding fathers didn't get around to explaining the free market in the Constitution is because it is the lack of restriction. Real liberty. Let coined precious metals be the pinnacle of our economic system - everything else can be bartered. It keeps the bankers at bay.

I leave you with two quotes, from men of opposite character, that say the same thing using different words:

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benchcraft company portland or

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Determining the right amount of money to put down on the home of your dreams should not be complicated. The idea behind the down payment is to demonstrate that you are serious about purchasing the home. However, the amount of cash you pony up may make or break a deal depending upon the seller's feelings about the market and the size of any competing buyer's down payments.

Suppose you have just found that perfect home you've been dreaming of owning for your entire life. Of course you want the biggest home you can afford, so the asking price is just at the limit of your budget. You've talked it over with your significant other, and it's agreed on. You're going to buy this wonderful home and live there happily every after.

Then the financial reality sets in, followed by an unending stream doubt flooding your mind, washing away thrill a little. You'd better get your offer in as quick as you can, before anyone else takes a liking to your prize and beats you to the punch. How much money do I need? Do I have enough cash in the bank to cover it? Will I be able to eat and pay the bills for the rest of the month? In this case, you might want to reconsider whether the cost of realizing your dreams outweighs the strength of your income-to-debt ratio.

You could pick up the telephone and place a quick call your real estate agent. He or she will be happy to provide you with the average down payment for a similar home in your area. It could be that no down payment is required at all, depending upon how you intend to finance your mortgage. It could also be ten to twenty percent of the selling price. There aren't any hard and fast rules to follow, as every home purchase is unique. But one factor you should consider is the volatility of the housing market in your area.

In other words, if housing sales are slow or declining as reflected by the average length of time a home has been on the market, there probably is little competition. The market is relatively stagnant because people aren't buying at the present time. Keep in mind that sellers and agents, and even lenders will always hype the market to try to make you believe that the market is hot, when the statistical data show that it's actually cooling down.

In many areas of the country today, housing markets have cooled significantly. There may be little competition for a home and in some areas, and Reduced for Quick Sale signs are as common as dandelions. In others, the housing market has remained healthy, with steadily increasing prices and listings that turnover in less than 30 days. There may be some pretty creative financing in the cool areas, and the amount of the down payment may be less important than in the healthy market areas.

Picture a typical three bedroom, two car garage home with all the features and extras you've always wanted. You've got some money you've been saving for years set aside for just this occasion and you age going to take the plunge. You happily hand over a check your agent for ten percent of the price. Next, you wait anxiously for the telephone to ring with the good news!

Two days later, the telephone rings with disappointing news. It seems that your purchase offer wasn't accepted after all. The owner's of your dream home decided to take another's offer because they put down 20 percent of the asking price. Your dreams have been crushed by the size of someone else's bank account. In a situation like this you would have had no way of knowing that there competing offers in play unless you asked your agent first. He or she should inquire as to the status of the property and inform you about any competing offers. If there are, you may want to try to get an additional edge in your favor by placing a larger down payment.

Home sellers come in many different shapes and sizes. They may be anxious to sell, especially if the market has slowed down and they are facing relocation pressures from their employer. Or, they may be willing to wait out the slump and try to get the highest price possible from a buyer anxious to move in, regardless of the asking price. In some areas, this has driven the price of homes to new and extreme highs.

In any case, the size of your down payment sends a clear message about how serious you are about purchasing the home and the likelihood of having the purchase offer actually becoming accepted and financed. You should be confident that you can obtain the financing before making an offer to purchase the home. Keep in mind that once you write out the down payment check, it will be held in escrow until the day you actually close on the sale. If you should be unsuccessful in obtaining the financing, or the deal falls apart for other reasons, your down payment check will be tied up until you have withdrawn from the purchase.

Purchasing a new home is an exciting and rewarding experience. Being aware of these tips and traps that you could encounter should help you overcome any concerns about how much to put down toward the final purchase. Keep the communication lines open with your real estate agent, and always be sure to ask plenty of questions.

Finally, be sure to research the housing market for trends that reflect the health and condition of the market in your area. Once the seller has enthusiastically accepted your purchase offer, you are on your way to obtaining that first mortgage approval. Soon you will have the keys in your hand and open the door to your dream home.


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