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| | The Smart Startup Guide. |  | | Startup Secrets Of The Inc 500 Fastest Growing Companies. Learn How To Finance Your Startup The Way Serial Entrepreneurs Do.
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| | Banking Secrets - Revealed. |  | | Gain Total Control Of Your Finances And Stop Wasting Money. Eliminate Unnecessary Bank Fees And Get Better Rates On Loans And Savings By Following These Simple Steps.
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| | Financial Planning/Money Management E-Book. |  | | This Financial Planning Manual Is More Practical In Nature Than Theoretical. Learn Powerful Money Management Techniques To Help You Take Control Of Your Personal Finances, Manage Your Money, Eliminate Your Credit Card Debt And Stay Out Of Debt!
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UK Woman In Partial Remission From Mesothelioma CancerDebbie Brewer was diagnosed with mesothelioma cancer back in 2006. Debbie was on her fifth set of chemoembolization in Germany and was given the good news, she was in partial remission. This comes just two years after being diagnosed. This is her best Christmas present ever. The tumor she has, had shrunk fifty-three percent by having the treatments. The tumor had shrunk ten more percent from her last check up. The treatment was started back in May of 2008 and every time she had a check up, th
New Mesothelioma Treatment Recognized By Mesothelioma LawyersVinflunine is now being recognized by some mesothelioma lawyers as a way to improve the rate of survivor in those suffering from mesothelioma cancer. The anticancer drug is given every twenty-one day and has proven to improve the patient?s response rate by as much as fourteen percent. The NCI has said that there are about two thousand mesothelioma cancer cases diagnosed every year just in the United States. Mesothelioma cancer is caused by asbestos exposure. Mesothelioma legal advice from a q
Soft Skin Tips: Everything You Need to Know about Acne Acne or commonly known as zits or pimples are skin inflammation affecting 87% of the total US population. They usually appear during puberty because of abnormal response of the body to the male hormone known as testosterone. More: Soft Skin Tips: Everything You Need to Know about Acne
Mesothelioma Clinical Trails Seeking PatientsIf you live in Pennsylvania or Texas and have mesothelioma cancer, this research group wants you. Clinical studies are under way for those that have advanced stages of the cancer. The pharmaceutical company is conducting a test with Vorinostat. This drug is a histone deacetylase inhibitor. Read more about the study here. Although this is a great way for people to help with research, anyone that considers the clinical trails should contact his or her mesothelioma attorneys to make sure that th
Patients Suffering From Delayed Cancer Treatment Careof cancer patients, including mesothelioma patients, may be suffering from a lack of treatments because of systematic delays in patient care, according to a recent study/survey. Several inconsistencies among primary care trusts (PCTs) may be delaying the approval of treatments for cancer patients and mesothelioma cancer patients, according to a study from the United Kingdom?s [...]
Cholesterol Drug May be Used For Mesothelioma Cancer Treatment Lovastatin is a cholesterol drug that was introduced back in the 80?s. Today, researchers are looking at this drug as a treatment for mesothelioma cancer. Researcher knew early on that the drug was responsible for killing cancerous cells. The risk was to high at the time to do any studies with the drug because users would need high dosages of the drug. The recently, a doctor started giving it to patients suffering from pleura mesothelioma. A revelation learned recently is that a doctor gave
Another Mesothelioma Cancer Drug TestingProteolix, Inc has been doing clinical studies on a drug called carfilzomib. This new drug is being tested on people with cancer, one of who has mesothelioma cancer and two other drugs failed to help. The new drug is still in the testing procedure, but has shown progress in stabilizing the cancer. This drug attacks the cancerous cells and does no harm to healthy cells. The studies will have to continue, but if this drug succeeds where other drugs have failed, it could give new hope to mesothe
Alternative Treatments For Mesothelioma CancerIt is becoming more and more obvious that alternative treatments for mesothelioma cancer because of asbestos exposure are coming into play. This is great news or is it? Alternative methods of treatment that are not approved by the medical profession and the FDA, may not be considered an alternative to medical treatments. For instance, herbs are coming into question as far as being able to treat mesothelioma cancer. These are not approved by the FDA and could mean an entirely different story whe
How is Mesothelioma Treated?is Mesothelioma Treated? November 13th, 2008 Dr. Case discusses treatment options for mesothelioma lung cancer including surgery, chemotherapy, and radiation. This segment is part of the program that is offered for free on www.mesodvd.com. Posted in Mesothelioma & Asbestos Cancer | No Comments » « Previous Entries Enter your search terms Submit search form Web http://peoples-blog.vdhdesigns.com PagesAbout Categories Asbestos (10) lung
The Survival Rate Of Those With Mesothelioma CancerToday, people with mesothelioma cancer are seeing more chances to live longer than a year once they are diagnosed with mesothelioma cancer. Although there are no cures, there are some treatments that will prolong life longer than the projected six to twelve months. This is a step forward for those who were exposed to asbestos. Even though life is being extended, mesothelioma lawyers still have to file lawsuits on the patients behalf so that medical bill can be paid and you are compensated for
Scientist Reveal Information About New Mesothelioma Cancer TreatmentScientists are saying that recent studies of aspirin, cisplatin and Piroxicam produced an anti-tumoral treatment that works on cancerous cells associated with mesothelioma cancer. The study was revealed in the Journal of Translational Medicine in May 2008. This has caught the attention of mesothelioma cancer patients and scientists. This does offer a ray of hope for people suffering from the cancer, but more research is needed. This would be a breakthrough for cancer suffers that have this dead
What Causes Mesothelioma CancerIt is said that about seventy to eighty percent of mesothelioma cancer cases are caused by asbestos fibers. People that were exposed to asbestos in past years can develop this type of cancer. Inhaled or ingested asbestos fibers usually cause pleural mesothelioma and about twenty percent of the people develop peritoneal mesothelioma. The difference between the two cancer types in that pleural affects the lungs and peritoneal affects the abdominal organs. It is also said that smoking does incre
Mesothelioma Cancer DietsWhen you are diagnosed with mesothelioma cancer, you are in shock, you grieve and you worry about the future. You still have to stay as healthy as you can to keep up your strength, which is vital to fighting the deadly cancer. You might not have the desire to eat properly, but if you want to keep your strength to fight the cancer as long as you can, you have to have the proper diet and follow it no matter how hard it may be. The diet will consist of eating protein and drinking the proper amou
Mesothelioma Cancer Is The Hardest To TreatThe truth is that mesothelioma cancer is the hardest to research and treat. Researchers are always looking for ways to detect mesothelioma cancer earlier in patients. Now they will have the availability of the virtual bank as a tool for studying the cancer. The researchers are always looking for ways to treat the cancer besides the limited treatments that are available. The fact that the cancer is so rare, it is hard for the researchers to get the facts they need since they are spread out in th
High Paying Keywords untuk Google adsense dengan Avg CPC $ $11 -$13.99High Paying Keywords untuk Google adsense dengan Avg CPC $ $11 -$13.99 By admin at 20 October, 2008, 9:53 am term life insurance, home loans poor credit, private loan consolidation, cover critical illness insurance, home equity credit, student loan consolidation, ca health in insurance, criminal houston lawyer, attorney california tax, car insurance philadelphia, recall vioxx, alicante car in rental, dallas criminal attorney, attorney irs tax, equity home line rate, mortgage rates refin
Mesothelioma Lawsuits Affected by Ohio Court RulingThe Ohio Supreme Court recently ruled that a 2004 law, which enforces stricter rules on persons suing for asbestos-related injuries, can now be applicable to suits pending before the 2004 law was passed. The 5-2 vote could lead to the dismissal of many of the 40,000 cases filed in Ohio before the law was put into place. The state Supreme Court claims the 2004 law is in accordance with Ohio?s state constitution because the changes were considered ?remedial and procedural,? thus not in violation
National Safety Agency Says NASA Glen Buildings are Safe from AsbestosSeveral months ago, a NASA Glenn Research Center union expressed concerns over the number of workers that have been diagnosed with cancer. This week, the National Institute for Occupational Health and Safety released their findings on the center, stating there was no increased cancer risk for employees of the center. According to Dennis Pehotsky, a Lewis Engineers and Scientists Association spokesperson, approximately 40 out of 100 workers on the Developmental Engineering Building?s third floo
Mesothelioma Lawsuits and Background InformationThe filing of a mesothelioma lawsuit is usually an attempt to recover damages that are associated with the contraction of the disease. In most cases, the person filing the lawsuit is seeking compensation for medical expenses, loss of income, and pain and suffering. Mesothelioma is a rare form of cancer that most commonly affects the lining of the lungs. However, other areas that have been known to contract the disease include the heart and abdomen. The development of mesothelioma cancer is al
Mesothelioma Threat ? Is Wet Method Asbestos Removal Ethical?A federal court recently ruled against the city of St. Louis and the city-owned Lambert-St. Louis International Airport for endangering the public by improperly removing asbestos to demolish buildings and construct a new runway. The court ruling affirmed that the city of St. Louis and its airport violated federal asbestos safety standards in destroying asbestos-contaminated buildings belonging to a community known as Bridgeton. The removal method in question is known as the ?wet method,? where
Mesothelioma Victim Inspires Widow to Sue John CraneA California widow, Regina Rohrer, has filed an asbestos-related lawsuit on behalf of her deceased husband. The lawsuit alleges that John Crane was responsible for her husband being exposed to asbestos and developing mesothelioma. Malignant mesothelioma is a rare form of cancer that most commonly affects the lining of the lungs. In most cases, symptoms of the disease do not appear until the advanced stages of development, which usually results in a late diagnosis. Because of this, mesothelioma
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| [10/14/2008, 06:22] | Financial Crisis: The Theological Aspect |  | Here is an excerpt from an interesting article I read a few days ago: Says Anthea Butler, an expert in Pentecostalism at the University of Rochester in New York: “The pastor’s not gonna say, ‘Go down to Wachovia and get a loan,’ but I have heard, ‘Even if you have a poor credit rating, God can still bless you ? if you put some faith out there [that is, make a big donation to the church], you’ll get that house or that car or that apartment.’ ” Adds J. Lee Grady, editor of the magazine Charisma: “It definitely goes on, that a preacher might say, ‘If you give this offering, God will give you a house.’ And if they did get the house, people did think that it was an answer to prayer, when in fact it was really bad banking policy.” If so, the situation offers a look at how a native-born faith built partially on American economic optimism entered into a toxic symbiosis with a pathological market. … “Narratives of how ‘God blessed me with my first house despite my credit’ were common. Sermons declaring ‘It’s your season to overflow’ supplanted messages of economic sobriety,” and “little attention was paid to … the dangers of using one’s home equity as an ATM to subsidize cars, clothes and vacations.” Read the rest of it here. In addition to Wall Street, it looks like the faith business also needs a little more scrutiny. Apart from that, I am always surprised at how gullible people can be when it comes to being sold out divine rhetoric. If we keep up with this even God will need a bailout someday! Finally, God helps those who help themselves, for everybody else there is Mastercard everybody else needs to clearly understand the meaning of the words “deliquency” and “foreclosure”. |  |  |  |
| [02/13/2007, 16:53] | Creating An Ethical Will |  | You may or may not have heard the term ?ethical will?. But, for those who care about making their values and ethics part of their legacy, it is a tool to consider when planning your estate. Unlike a ?last will and testament?, which provides for the distribution of a person?s material assets, or a ?living will?, which contains instructions for how you want to be treated medically at the end of your days, an ?ethical will? is designed to let someone preserve and share their values, principles and beliefs for heirs and future generations, though it?s not legally binding. According to Personal Legacy Advisors? Web site, an ethical will is a letter that transmits the non-material assets that are also of great importance: your values, your story, the lessons life has taught you and the other information that is too valuable to risk being lost. Your ethical will is the tool that enables you to address the question, ?What do I want my loved ones to know?? As a concept, ethical wills are not new. The first written reference to ethical wills occurs in both the Hebrew and Christian Bibles. Examples are Genesis, chapter 49, and The Book of John, chapters 15-18. Over time, they evolved into written documents. While ethical wills were traditionally shared after death, along with the reading of an individual?s last will and testament, today they are often shared during the author?s life. While exact figures aren?t available for how many people are writing ethical wills, they are on the rise, based on increased Web activity and sales of ethical will resources. They have gained impetus particularly in the wake of tragedies like the September 11 terrorist attacks. Why create one? People are inclined to write an ethical will when facing a challenging event, or at a turning point in life. Some examples are facing the loss of a loved one, birth of a grandchild, expectant parents, becoming an empty-nester or approaching the end of life. Other reasons to create an ethical will include: - Your reflections will confirm what?s important and renew appreciation of your life to date
- You will create a personal message to those you love, of priceless value in the event of your absence
- If you do not tell your personal (and family) stories, they may be lost forever
- Your material assets can be given within a personal context
- You will mitigate confusion and hurt feelings with a personal explanation of potentially controversial elements of your legal will
- Your spirit will be expressed on paper, living beyond you in a timeless way
- Your words will link the past, present and future generations of your family
- You will enjoy peace of mind knowing the most important things will have been said.
Pros and cons. The pros of an ethical include having an opportunity to influence future generations. Through the process of writing an ethical will, the writer can gain self-knowledge and come to an understanding of what?s most important to him or her. This is valuable information not only for their families but their professional advisers as well. Another pro is that ethical wills are private documents. Unlike a will, which if admitted to probate will become a matter of public record, an ethical will is a private communication and will not be made public unless the author (or recipient) so desires. The con is that an ethical will is not enforceable in a court of law. Those who want to provide specific instructions, such as who is to receive which asset or how assets are to be distributed and under what conditions, would need to put the instruction in a will or trust. Setting up an ethical will. Ethical wills come in a variety of forms, from a short letter to a lengthy autobiographical statement, from an audio-recorded message to a bound album. There are three basic ways to create an ethical will. - Begin with an outline and list of suggestions. Once you?ve created a rough draft, you can review and personalize it as much as you wish.
- Begin with guided writing exercises. For example, start with phrases such as ?From my grandparents, I learned?? or ?I am most grateful for??
- Begin with a blank sheet of paper and write down whatever is relevant about your thoughts, experiences and feelings. This is an open-ended approach. Eventually you should be able to create a comfortable structure for your ethical will. For one-on-one help, an organization like the Association of Personal Historians may be of assistance.
Other tips from Personal Legacy Advisors include the following: - Start today: If you were not here tomorrow, what is the most important thing you would not want left unsaid? Write it down - now you’ve begun
- Relax: You are not trying to write for the Pulitzer Prize. The letter is a gift of yourself, written for those you love
- Ask yourself: What do I want to make sure my loved ones know and have in writing
- Take it topic by topic: Don’t try to write it all at once
- Be yourself: You cannot bequeath what you never owned to begin with
- Be careful, be loving. The reach of this letter is unknowable.
Sharing your will. It?s a good idea to share your ethical will not only with family and friends, but also with your financial adviser and attorney. Knowing what you value and what?s important to you will help them to develop a personalized plan that can help you to leverage your values in the future. An ethical will speaks to one?s posterity or descendants long after the legal will has been probated and forgotten. Of note, an ethical will is a dynamic document. Just as a will or living trust document needs to be revisited so does an ethical will, because events occur in ones’ life that have an impact on ones’ value systems. Share This 
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| [11/24/2008, 01:41] | Citibank looking for a Bailout? |  |  It looks like there is serious talk of between U.S. regulators and Citibank to limit the banks potential losses on toxic assets. Isn't this what the TARP was supposed to do from the beginning? And why Citi and not BOA, JPMorgan, MS etc etc etc. To me it has been one bank after another going down. Once Citi is bailed out the markets will go after the next "Victim".
Here is the story from BLOOMBERG
Good Luck and Good Currency Trading. |  |  |  |
| [07/03/2008, 15:30] | Financial Success Stories for the Fourth |  | Tomorrow is Independence Day in the United States, a time for friends and family to gather and enjoy the early summer. I’m taking a l-o-n-g weekend, and won’t return until Monday. If I’m lucky, I’ll get a chance to play in the sprinkler. In the meantime, I thought it would be fun to devote a thread to financial success stories. People send me e-mail all the time to say how they’ve taken control of their personal finances. I love to read these tales, and I know that other people do, too. (We even have a section of the forums devoted to them.) For example, here’s what one long-time reader wrote a few weeks ago: I paid off a credit card today! At times its balance had been as high as $12K, but with the severance pay from my old job, signing bonus from new job, and various other resources, I paid it off completely today. The next step is to move the existing balance on my other credit card (about $8K) onto the now-zeroed card at a low balance transfer rate, and then pay down that last balance. It feels really good to have this thing off my back after so long. Do you have a financial success story to share? Big or small, it doesn’t matter. Tell us about it! You have all weekend to do so. Have a safe and happy fourth, everybody… --- Related Articles at Get Rich Slowly: 
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| [07/15/2008, 16:43] | Apartment Building Cost Segregation Analysis |  | Cost Segregation One of the great advantages of commercial property investing is the tax benefits. The IRS has a program that allows the owners of apartment buildings or any other commercial property to increase the level of accelerated depreciation allowed in a tax year. The tax savings may go back to property acquired after 1986, and they apply to new or future construction. They also extend to existing buildings under renovation, expansion and leasehold improvements, as well as to property about to be acquired. It can also be used for financial accounting, insurance and property tax purposes. The primary goal of a cost segregation study is to identify all construction-related costs that qualify for accelerated income tax depreciation. Cost segregation is not a tax shelter and it is not tax evasion. Ask Yourself These Questions To Determine if You and Your Property Qualify: Do you own a commercial property valued at $500,000 or more? Do you pay federal income taxes? Do you operate a corporation or entity that is for-profit? Are you planning to the hold the property for more than one year? To Obtain the Benefits of Cost Segregation You Must Get a Study Your cost segregation study will analyze the taxes and costs incurred to buy, construct or renovate any kind of commercial real estate. You will need to procure the services of an expert or CPA to conduct the study. The CPA will dissect the costs to determine the accelerated income tax schedules. In order to meet the minimum qualifications of a cost segregation study, property owners must be taxpayers or intend to pay taxes. The cost of a study can range between $10,000 and $100.000.00 depending on the size and complexity of the project. Advantages of Cost Segregation - Considerable return on investments property that do not need to be insured.
- Increased tax deductions for depreciation and reduces taxable income.
- Opportunity to correct misclassified assets and claim “catch-up” tax deductions.
- Ability to achieve faster building and acquisition cost write offs.
- Reduction in insurance costs by identifying the components of the property that do not need to be insured.
- Determine personal property versus real property for write off versus capitalization prior to construction. This allows you to write off these items opposed to capitalizing the assets. This can provide you with huge tax benefits.
- Defers taxes on capital gain amounts until the property is sold.
- Reduces real estate property taxes.
- Reduces federal income tax and increases depreciation.
Advertisement: Real Estate Investing Forums Discuss real estate, network, or learn about investing on our forums! This Post is from the BiggerPockets Real Estate Blog. Copyright © 2008 BiggerPockets, Inc. All Rights Reserved. Apartment Building Cost Segregation Analysis 
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| [11/23/2008, 20:33] | Signs of Economic Recession: Laid Off Bloggers, Web Sites For Sale |  | Additional casualties and signs of economic recession: laid off bloggers and your favorite web sites for sale! Do you see what’s in store for you next year? Well, I’ve peeked at my crystal ball and can see the same thing you’re all seeing, an ugly 2009 as the economy continues to contract. Still no relief in sight (or maybe just a little, with Obama stepping in with a pep talk and an action plan). Still, the tremors reverberate in the blogosphere. More and more bloggers are reporting that they’ve been laid off, or are afraid that they will be. Some of the ones I know: Judging by the dates on these posts, changes have been coming fast and quick! I’ve also mentioned that TechCrunch has this layoff tracker while Gawker (the online media name that bloggers look up to ) is selling off The Consumerist, and Valleywag (what!? one less Silicon Valley blog?) and trimming its staff. You can see how the online world has been taking its hits. The trends have been reflecting reality for a while now, so when are they announcing that we’re officially in the dog house? I’ve also talked about how we’re coping with the recession in Silicon Valley, but whatever else I’ve got to say about this can fill a book. Anyway, it’s been the subject of deep conversation between me and my close friends and family these past few weeks. More Signs of Economic Recession Where I Live Just to see how widespread the financial pain is, I’ve polled the people I know for their stories and concerns — here are just a few: - A couple of people I know have been laid off in the last two weeks. These are people who work at smaller companies that are now embarking on cost cutting measures. With the VC spigot closing off, startups that aren’t solvent will be forced to cut back heavily or close down completely. Startups are living on borrowed time. These events are reminiscent of massive layoffs in Silicon Valley in 2000 during the tech bust, so it’s not new to me. I should get used to this happening every 5 to 8 years, I guess.
- Friends of mine who are consultants are experiencing delays in payments. Uh oh. They’ve done the work, but there’s some worry they’ll end up on a long list of creditors waiting to get paid.
- Too close to home! I never thought it would happen, but someone I know pretty well actually is in the process of losing their house. The story is complicated — he was a victim of a drawn out scam that got exposed by the housing downturn. And I’ve heard rumors of acquaintances going on short sales on expensive homes they purchased only a few years ago (and which I had the pleasure of visiting during house-warming parties galore way back when).
- I heard about how there are scores of luxury cars just sitting on Long Beach right now, with no takers. I got this story from a guy who’s well insulated from the crisis because he’s sitting on a huge pile of cash (he’s very conservative with his savings). Yet, he’s concerned about the effect of currency exchange on his international business.
- Some of us self-employed folks are seriously thinking of joining the many out there who’re already chasing what few jobs are around. I read that Cisco’s job listings have dropped by 93% in one week, from many thousands of openings to a trickle of a few hundred.
- I miss “happy” news. Could this be capitulation? Or close?
Break Open Your Emergency Funds For many whose lives have been viciously upturned by the forces of the economy, it sure feels that this recession isn’t “normal”. But the reality is that this is probably what a “true” recession feels like. The waves of an economic downturn are much like dealing with the effects of an impending tornado. The tornado spares some while it devastates others. You just pray it doesn’t hit your household when it comes, although you can expect it to do a number on your landscape. This has become a time of emergency for many. Our situation clearly emphasizes the importance of having enough insurance to cover ourselves when such a “disaster” hits — and when I mean insurance, I am referring to emergency funds and enough liquidity to tide you over during the storm. Does this mean we should have at least 1 years’ worth of expenses in cash? Maybe so, especially since nasty recessions can last that long! If you’ve got unemployment benefits covering you for 6 to 9 months plus a one year stash of cash, you could get through this nail-biting ride. So let’s hunker down in the basement and see if we can ignore the angry winds out there for now. I’m doing it by starting the ball rolling on some portfolio rebalancing efforts (gah!) and selling off investment losers. So let’s check what else is on the minds of our favorite financial bloggers, shall we? Notable Mentions Around The Web Recent Carnivals This is a post from The Digerati Life. 
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| [07/03/2007, 14:39] | AGLOCO Viewbar is ready to download. Finally!!! |  | AGLOCO will Make money by surfing the web, and by referring other members. This programs need AGLOCO Viewbar that software to surfing the web with AGLOCO. After a long times of waiting, AGLOCO Viewbar has been released and is ready for you to download now. Agloco send email to Agloco member for this.
Here is how to download and launch your Viewbar:
1. Go to the AGLOCO website at https://www.agloco.com/c/portal/login and login to get to your Member Account page. There is now a ?Download the Viewbar? button on that page. 2. Simply click the Viewbar download button and follow the download directions. Please click ?Run? when offered to Run, Save or Cancel. 3. You will need to enter your Account ID# (or email address) and your AGLOCO account password to activate your Viewbar. 4. After you download the Viewbar, you can launch it for first time by going to your Windows Start Menu and clicking on the AGLOCO Viewbar Icon.
I hope AGLOCO Puts Online Money Making Opportunities. If you want join please visit http://www.agloco.com/r/BBCV7906 |  |  |  |
| [12/28/2005, 12:37] | Sure-Fire Forex Trading |  | Sure-Fire Forex Trading
Here's why: There is a certain combination of simple indicators and technical analysis that can consistently and accurately tell you where to get into and out of the market with a massive profit and laser sharp accuracy.

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| [11/10/2008, 15:07] | Investing for College Requires a Slightly Different Approach Compared to Investing for Retirement |  | Investing for retirement is one of the staples of financial planning. Almost everyone will either choose to, or be forced to stop working at some point, and having money set aside to fund these non-working years is important. In addition to retirement, there is an increasing trend in saving and investing for college expenses. College tuition is increasing rapidly, and many parents are looking to provide some relief so their children aren’t burdened with tens of thousands of dollars of student loan debt after graduation. With the creation of Section 529 plans, more people are aggressively saving money for college, and now have the opportunity to not only receive tax breaks for doing so, but they can put this money to work with various investments. But with these options and benefits come some drawbacks and things to watch out for. Understanding Time Frame One of the greatest factors that determine how you should be invested has to do with time frame, or time horizon. Knowing how long your money has to grow will largely dictate what type of investments you choose. But when it comes to investing for retirement versus college, while it appears simple, there is more to consider than looking at how many years you have left. With retirement, most people have a lot more flexibility. For one, retirement age comes at different times for different people. Some retire in their 50s, while others work into their 70s. So, just because you’re 30 years old and expect to retire at 65, that means you have roughly 35 years, but it also means there is flexibility. Who knows what will happen over this time, you may retire early, you may be forced to work longer, or you may change careers. Whatever the case, you have the flexibility to take on some risk with your investments. Looking at college savings, there is much less flexibility and the time frame is more rigid. If you have a child, you know that from birth, you have roughly 18 years until college. On top of that, you know that once they enter college, they probably have around 4 years in which they need to withdraw funds from the account. Sure, some children might get scholarships and not need the money, others might wait a year or two before attending college, or some might go on to earn a graduate degree. But for the most part, there is a fairly specific time frame at work which can limit the amount of risk you’re willing to take. Why This Affects Investment Decisions With 18 years of growth, and about four years of withdrawals, most people would see no problem with investing fairly aggressively, especially in the early years. This is to be expected, because stocks generally do produce high returns, and with that much time for the money to grow, you can weather the ups and downs. Even so, when you go back to the flexibility of extending your time horizon or putting off withdrawals, you really don’t have that as a luxury when it comes to college savings. What happens when your child is ready to head off to college and your account is down, are you going to tell them they have to wait a few years before they can start college so your investments can recover? Of course not. And if you wait too long, your window for using that money without taxes and penalties may be gone. You’ll likely have to settle for selling at a loss and maybe even foot more of the tuition bill yourself. As you can see, even though there is more certainty in regards to how much money you’ll need, what tuition will cost, and knowing exactly how long you have to invest, it doesn’t remove any of the risk. While retirement may yield many unknowns, you at least have options in which you can plan for, and structure your retirement to make everything work. You also have to consider the withdrawal phase. Like I mentioned above, for most people, withdrawing funds from a college savings plan will take place over a relatively short amount of time. But when you look at retirement, the withdrawal phase can span 20 or 30 years. This allows you to remain invested, at least in part, in stocks even while in retirement because you have another few decades in which you are slowly withdrawing the funds. With college, again, you need to depend on that money over just four or five years on average, so the need to safeguard those funds leading up to, and once the child is in college is very important. How to Invest Your College Savings When it comes to investing for college, many of the same rules apply as investing for retirement. But what really changes is the amount of time you spend in each investment phase, and ramping up to a more conservative portfolio earlier. To see why, just take a look at what the past 10 years has shown us. Over the past 10 years, the S&P has a negative annualized return. 10 years may account for half, or even more of your entire time to save for college. That could have a significant impact on how much money you are able to accumulate. So, here are some guidelines: Birth to Age 5: Just like someone that’s just starting to save for retirement, it’s a good time to be investing in stocks. At this point, a diversified portfolio in stocks would be fine. You’d probably focus on primarily holding domestic large-cap stocks while rounding it out with some international and small or mid-cap offerings. Age 5 to 10: At this point, you’ll already want to start getting a little more conservative. You’d probably want to think about a 70% mix of stocks and and 30% in bonds. You’ll want to stay diversified across the spectrum of stocks, and probably focus on something like intermediate term bonds. Age 10 to 15: By now, you’ve crossed the halfway point if you’ve been investing since birth, so it’s time to ratchet things down a bit further. A 50/50 mix of stocks and bonds is going to be the name of the game for the next few years. You’d want to still keep a broad diversification of stocks, but you’ll also want to add some higher quality bond holdings. Of the bond portion, you’ll probably want to keep half of it in low-risk areas like a money market or fixed account. Age 15 to 18: As you approach the home stretch, you want to make sure that any sudden market declines won’t completely drain your account since your child will be starting college in just a couple years. Three years isn’t enough time to rely too heavily on market conditions, so you will probably want to rely on a 75% allocation of bonds, and 25% in stocks. Now, you should begin to focus a little more on safer, income producing stocks, and shift towards more high-quality bonds. Remember, since you need the money in just a few years, you’d rather have a meager 5% gain than a 5% loss each year heading into college. Age 18+: Your child is probably ready to start college, and that means the first tuition bills are due. Now is not a time for surprises, so you should be focused on generating predictable income from your investments. At this point, your investments are more or less a savings account that will regularly be tapped into. So, most, if not all of your investments will be in very safe things like money markets or fixed accounts. It’s still fine to keep a little money in the stock market to try and keep up with or beat inflation, but you probably don’t want more than 10% at risk. Keep in mind that these are just guidelines, and by no means absolute terms. Economic conditions, interest rates, and the number of children you have and what their goals are will largely dictate exactly how you invest. But, this is a good starting point. If you’re able to begin saving and investing right from birth, that’s great. But keep in mind that if you don’t start until your child is older, it can be like playing with fire if you try to accelerate your returns by being more aggressive. Remember, just one or two bad years of returns could wipe out a year’s worth of tuition, and you have a limited amount of time to recover. I’ve been meeting with a lot of people lately who started saving for their child’s college in just the past few years, and they have 15 year olds while they are invested entirely in stocks. It’s certainly not very fun to see your college fund cut in half in just a year when your child has just a few years to go until needing the money. So, it pays to be a little more conservative, especially in the remaining five or so years leading up to college so there aren’t any surprises. Investing for College Requires a Slightly Different Approach Compared to Investing for Retirement 
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| [02/28/2006, 17:49] | Escaping Stormpay in the nick of time |  | Well, I've finally started to feel the effects of stormpay, despite my best efforts to avoid them at all costs since I started autosurfing 9 months ago.
When stormpay announced to surf sites that it would have to be their way or the highway, I was resigned to using them. On February 1st, I used my credit card to transfer enough money into my stormpay account to get NetIBA certified, because if I was forced to go with stormpay I didn't want to have to pay the high fees for uncertified members. But before I purchased my membership, everything started to go south and I thankfully thought the better of it. On February 7th I requested that the money be withdrawn into my checking account, because I didn't want my money to get locked up in Stormpay.
On February 3rd, part of my December Vivasurf earnings were paid into my Stormpay account because I was too impatient to wait for them to do it with e-gold. This must have been before Stormpay got wise to Vivasurf and froze their account. On the 7th I requested that money be withdrawn to my checking account as well.
Both of those withdrawals sat as pending in my account for weeks, despite the fact that one of them was my own money. Then, finally, the money appeared in my checking account, one on the 22nd, and the other on the 24th. And then just yesterday, I get an email stating that the vivasurf transaction resulted in a chargeback. But, since my stormpay account balance was zero, it's now negative. Tell me how that works?! Vivasurf's stormpay account now includes money that is really sitting in my checking account. Stormpay's money appears to be just as virtual as that of the ponzis they have been so vigilant in shutting down. Interestingly, the chargeback includes the stormpay fees, so they are double-dipping, in a sense.
Some people are spreading rumors that Stormpay has been recovering those funds by dipping into peoples' bank accounts. Reading through the forums, I have not been able to find a first hand account of this. It's all rumors and hearsay. In fact, in an interview with the media earlier this month, stormpay denied that they are doing anything of the sort. As of now, it appears that it's all internal. If anyone has had something like this happen to them and can back up their assertion with proof, I'd be very interested to see it. |  |  |  |
| [05/27/2008, 13:07] | If You Don?t Know Where You?re Going, How Will You Know Once You?re There? |  | Do you ever sit down and think about how your life is progressing and where you’re headed? Laying out a roadmap for yourself can be a valuable experience. As the post title alludes to, if you haven’t defined your goals, how will you measure your progress towards them? Having a plan not only makes your efforts more measurable it can give the things you do more meaning and help filter out time wasters. You may have noticed I was silent on this site over the weekend, I was using the time for some strategic planning in my own life. My planning process is iterative in nature. I come up with some goals and plans to meet those goals. Then I sleep on it and re-evaluate those the next day. Looking at it with a fresh perspective, I may change around the milestones and tasks a bit. Needless to say, my planning isn’t complete but it was nice to get a start on it. Typically I would have provided a list of articles I enjoyed for the week but due to my planning I didn’t publish those. Instead, I’ll point out a few articles everyday this week, here’s the first few. – The Digerati Life lists 8 simple ways you can save a lot of money, try $1000. – The Mighty Bargain Hunter and All Financial Matters take a look at whether it’s worth your time to wait for free stuff. – Summer is here and My Dollar Plan offers some tips for saving money on weddings. – Million Dollar Journey gives us a strategy for asking for discounts. – Brip Blap loves working so much that he’s started the carnival of careers. – CNN covers how people aren’t canceling their vacation plans this summer, just changing them to be cheaper, reminds me of my series on saving money on vacations. – eHow article on how to earn extra money seems appropriate for tough economic times: - Get a part-time job
- Turn a hobby into money
- Get paid for focus groups
- Sell your stuff on eBay
I also took a look at ways to make extra money during a recession. Thanks to Money & Values and Canadian Dream for hosting the last two personal finance carnivals and including the articles Best Credit Cards for New College Graduates and Three Ways Your Boss Can Save You Money on Gas. 
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| [07/08/2007, 08:14] | IT's OFFICIAL: Gore Is Scaming The World ~ Hook ~ Line And Sinker by Steve Johnson |  | Al Gores whole basic theory is based on the LIE that CO2 causes global tempertures to rise. Are record cold temperatures an indication of global cooling or a new ice age? NO Are record cold temperatures an indication of global cooling or a new ice age? NO. Fact: Carbon Dioxide levels in the atmosphere are at a record high, not just in human history, but in the geological record for the last 600,000 years Is this increased carbon dioxide the result of human activity? Almost certainly. We are digging up coal and pumping up oil that was buried over hundreds of millions of years. We are dumping the spent products of combustion into the atmosphere pretty quickly. Before we have exhausted the world's supply of coal and oil, we will raise carbon dioxide even higher. Fact: Carbon Dioxide levels and global ice volume are inversely proportional in the geological record for the last 400,000 years. Does Carbon Dioxide itself cause temperature to rise? That is the popular theory. There is no appearent correlation between carbon dioxide and global temperature in longer term studies for the last 500,000,000 years (Nir J. Shaviv, Ján Veizer, "Celestial driver of Phanerozoic climate?" Geological Society of America Today 13:7 July 2003 p4-10). Actual temperature increase, measured by methods that may be tainted by the Urban Heat Island Effect, still show an increase less than 0.5C since 1880. While carbon dioxide content in the atmosphere has gone up continuously for more than 100 years, average global temperatures have risen as well as fallen during that period. The drop in carbon dioxide levels observed during the ice ages may have caused the ice age, may be caused by the ice age or both may have a common cause, but are otherwise unrelated. Scientific analysis of the correlation between temperature and carbon dioxide indicate that rising temperatures PRECEDE carbon dioxide increases by about 800 years, suggesting that temperature causes carbon dioxide to rise, which is not the position of global warming theorists. (Caillon et al, "Timing of Atmospheric CO and Antarctic Temperature Changes Across Termination III", Science v299, March 2003, p1728-1731). Global Temperature changes correspond more accurately to changes in solar activity than they do to the continuous rise in carbon dioxide during the last hundred years. (Friis-Christensen et al, "Length of the solar cycle: An indicator of solar activity closely associated with climate", Science, v254, 1991, p698-700) There is some evidence these data sets have begun to diverge in recent years, but the data is only published on the internet, not in scientific review journals. Current scientific data cannot be easily interpreted to portend global warming. Mathematical models can be constructed to project future temperature changes many different ways, but those mathematical models projecting large increases are considered "realistic" while straight line projections (which aren't very scary) are not popular, possibly because they are not exciting. Is increased carbon dioxide bad for the environment if it has no effect on global temperature? No. Carbon dioxide is a necessary nutrient that plants depend upon. Carbon Dioxide levels many times higher than current levels on earth improve plant growth and vitality. A significant portion of the increased farming productivity observed during the last 50 years may not be due to pestisides or improved techniques, but to the increasing levels of carbon dioxide in the atmosphere. (Sherwood B. Idso, Bruce A. Kimball, "Tree Growth in Carbon Dioxide Enriched Air and Its Implications for Global Carbon Cycling and Maximum Levels of Atmospheric CO2," Global Biogeochemical Cycles, 7(1993):3:537-555, p. 537-5380) Is increased temperature bad for the earth? In and of itself, temperature increase would not be bad. Longer growing seasons and increases in arable land would improve crop yields even more and increase the earths sustainable population. In the 1970s, when a broad consensus of scientific opinion and projections suggested the earth was rapidly cooling, mass-starvation was a cause for worry, but global warming would not have that particular effect. For the non-human population of the earth, over hundreds or thousands of years global warming would change the viablility of species. Plants and animals would migrate, adapt or become extinct. Would it be worse, i.e. more deadly, than the ice ages that have fallen over the whole earth 4 times in the last 400,000 years? That would depend on the quickness with which the climate changes. Global sealevels have been rising continuously for several centuries at a rate of 1-2mm per year. An acceleration of the rise in global sealevels would have a more significant effect than slower rates, but coastal cities will be forced to change with the times either way. Sea levels 18,000 years ago were 100 meters lower than they are today. Sea level has risen an average of 5.6mm per year for the last 18,000 years, so we are actually in a rather slow period geologically as far as sea level changes. During the "Little Ice Age" of 1650 to 1850, the rate of sea level rise was virtually halted, but we have now moved back into a relatively warmer period and sea levels are rising once again, but not yet at thier historical clip. About 3.5 million years ago, sea levels were around 30 meters higher than today. The earth will change and we will change with it. Some of the changes we may cause, but other changes will be out of our hands. Change is not necessarily good or bad. Slow change is inevitable. The earth can adapt and so can we.
About the Author Steve Johnson is writes on a large variety of subjects and topics. Currently Steve is involved in The Truth About Iraq |  |  |  |
| [06/19/2008, 19:58] | Obama and McCain Tax Plans |  | | (Your Tax Bill: How McCain, Obama Differ) I think everyone should get a look at this article to understand how the different presidential candidates might effect your personal finances. It looks to me like the average middle income person doesn't seem to get much difference by either candidate. It is very interesting to me to see how dramatic the difference is for the very high earners. If the difference to me where half a million dollars in taxes I would have my mind made up on whom to vote for. I'm always curious why all us average earners don't band together and out vote the very high earners and have them pay more taxes and us less. Why doesn't this happen. We should have a majority. Is it the fact that we all hope some day to be in the top tax bracket and know that if we were in that situation we would not like that idea of the government taking an unfair portion of our money? Why don't we tax the crap out of the rich to make our government run better? Any ideas out there? It would seem that they have the most extra money to spare. Would inflation just negate any less tax the average person would pay, because the costs of all good would go up to cover the difference? What would happen? |  |  |  |
| [02/22/2006, 17:07] | With 12DailyPro gone, who's left? |  | Things with 12DailyPro are just getting worse and worse. Charis' latest move is to cancel the convention she's been planning for months now, claiming that because of the media attention she has earned over the past month, the convention "could become a volatile event that could exacerbate current problems and possibly damage our relations with investigators." In plain English, I think that means that she doesn't want herself or her members to wind up in front of a camera, unable to answer questions about her business model. Her attorney claims that they are cooperating with the FBI, and because of that it is inappropriate to comment while they are investigating. It's no secret that many other surf sites invested in 12DailyPro as a means to finance their own programs. GrandHits and 911Hitz were among them, as they made clear in a message on their member page a few days ago (before they took the sites down). Nate at KnightSurfers, in his admirably forthcoming style, has admitted in the past that he believes in reinvesting in the industry. He undoubtedly lost a pretty sizeable chunk with 12DailyPro, yet he believes that he can continue operating his program with minimal slowdowns. He seems to be one of the more dedicated admins out there, and so I applaud him for that. I hope that he can make it work. I'm currently awaiting payout from a Moneybookers upgrade that I made before they froze his account. He claims that he is in the final stages of getting that money released to him, and at that point he'll be able to level with people like me. It should be any day now... VivaSurf seems like it is poised to capitalize on 12DailyPro's problems. Vivasurf.us was launched as a way to get around the stormpay problem, but it's evolved into something else now. Vivasurf.us is now a 14% /10 day program, and the new home to a lot of dissatisfied 12DailyPro members. Although Vivasurf had its own problems with Stormpay and has deferred all paymets this month, he seems like he's willing to try to work things out. I'm in for a test drive at the new site, so we'll see how it goes. Robert for sure has a few investments outside the surf industry. His Empowerism page is shown frequently while surfing his sites, as well as one for Kemptech Domains, another site that he owns. He has clearly diversified and is trying to make a real legitimate buck with our upgrades in order to pay us. Flosurf was a smaller program in which I've been a member for a few months. Flo is very pleasant and forthcoming, and she also seems to be one that we can rely on. Her payouts to date have not been delayed at all. Luna-surf.info is another program that I haven't promoted much, as it's still in the testing phase. Tim, the admin, has also been quite honest about the state of his program and has made it abundantly clear that he has no plans to fold up or reneg on his obligations to the members. Eprofitsurf and Auto-surf.biz, which were run by the same folks, have now merged. Everything from your auto-surf.biz account should have been combined with Eprofitsurf, so now you just surf the one site, which operates under the old Eprofitsurf terms of 2% for 2 years. They are now running their own payment processor as well: Auto-Surf-Money.com. This is a smart move for them. When people pay in with their own cash, it goes to eprofitsurf. When eprofitsurf pays you, it goes to auto-surf-money. Unless you request a check from them, the money never leaves their hands, it just gets shifted around on paper. That's going to allow them to run on a huge defecit, since many people are going to be content to just see their auto-surf-money account grow on paper without pulling out any cash. At least, that's the way that I see it. It just adds another layer of protection. So my advice to everyone is to keep your auto-surf-money account at a minimum. Keep requesting those withdrawals so that the money stays in your hands. DadnDave's seems like they are poised to come out on top of the situation as well. They did what I had hoped more sites would do: hit the pause button for a while to get things straightened out and then go back to business as usual. The site basically shut down for the month of February, and is going to come back full strength in March. They're going to add an extra month to everyone's upgrades to compensate for the downtime. Congratulations Dave, that was a very smart move. They are also closed now to new members. He seems to have a good crowd around him and I'm looking forward to more successes there. It's still going to be touch-and-go for a while as the Stormpay and 12DailyPro situation develops, but at least the sites that I have outlined above seem to be in reasonably good shape. We'll just have to wait and see - March should answer a lot of questions for us. |  |  |  |
| [10/30/2007, 05:09] | A list of e-currencies |  | To sell your products or services online, you will need to add an Online Payment System to receive funds from your customers. If you sell products or services through your Web site you can use a service to accept payment. You can use e-currency for accept payment.
E-currency is the main component helping in fast and efficient conduction of various Internet based transactions. Using eCurrency service is just like using the bank service. The e-currency can be used on the internet related commercial applications such as shopping on the internet and doing personal investment via internet.
See the list below for E-currencies:
Paypal PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet. PayPal lets you send money to anyone with email. PayPal is free for consumers and works seamlessly with your existing credit card and checking account. You can use Visa, MasterCard, Discover, and American Express with PayPal. Plus, when you pay with PayPal, you do not expose your credit card number to the merchant.
E-gold E-gold can use for payment online. E-gold being backed 100% by gold bullion makes buying e-gold like buying gold, but easier. Hold it as an investment or a hedge on currency exchange and never worry about the physical gold.
StormPay StormPay is an online payment system, which allowed anyone with an email address to send or receive payments. Selling items on StormPay is a great way to make some extra money - and have fun doing it! You can sell a few items that you no longer need, or build your own business.
e-Bullion e-Bullion is a digital gold currency backed by physical gold that also allows you to trade physical gold for currency. e-Bullion.com is a registered legal corporate entity of the Republic of Panama in Central America. Goldfinger Bullion Reserve Corporation ("GBRC") is the registered legal corporate entity located in the State of Delaware (USA) responsible for the management of bullion reserve services for e-Bullion® Company.
GoldMoney GoldMoney is a digital gold currency founded in 2001 by James Turk . GoldMoney's main office and servers are located in Jersey. GoldMoney (www.goldmoney.com) offers an easy, economical way to buy gold online.
Moneybookers With Moneybookers, people can send and receive payments through the Internet ? all that is needed is an email address. Moneybookers is based on Europe, and is regulated by the FSA of the United Kingdom. Local payments in more than 30 countries through bank accounts (domestic transfer).
Libertyreserve libertyreserve is an easy access account that you can easily access to make payments quickly. Just like wallet is to your bank account, LR's Wallet allows you to keep a small balance handy for quick payments, while keeping the bulk of your balance in your main Liberty Reserve account.
Ikobo The World leader in quick, easy and safe "person to person" money transfers. With iKobo you can pick up your money at over 1,000,000 ATMs. That's more than twice as many locations as Western Union and MoneyGram combined, and most ATMs are always open.
E-Dinar e-dinar is an internet based electronic payment and exchange system that facilitates transactions which are 100 per cent backed by physical gold and silver. In order to fund your e-dinar account you have to instruct your bank to effect a SWIFT transfer to their bank account in Dubai.
You can find many e-currencies on internet... |  |  |  |
| [11/27/2008, 21:25] | Happy Thanksgiving, and some free articles |  | Happy Thanksgiving everyone! I’m thankful to be able to write this blog and that I have you as readers. (And of course I’m thankful for many other things.) The four articles that Gary North published today on his website are free for anyone to read today. You’ll find them in the Recent Articles section. These four articles are centered around the topic of Thanksgiving. These articles are good advice for anyone. I don’t know how long they’ll be free, so even if you don’t read them today, just go over and print them out. Gary North is a big influence on how I think about the economy, investment, and a host of other things. So, there you go. Have a great day filled with thankfulness. 
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| [11/28/2008, 08:34] | Black Friday Tips |  |  1. Bring your ads to the store. Many stores offer “lowest price” guarantees, but you need to bring proof to get your product for a lower price. 2. Ask for a gift receipt. If you’re buying somebody a present, this is a big deal. No gift receipt means people might get stuck with a gift they don’t want/need. 3. Early bird discounts. If you’re going to save “big” money, the only way you’re going to do it is to show up early. Usually stores have the huge deals 5am-11am or so. 4. Don’t feel obligated to buy something. If you get to the store too late and all the items you wanted are sold out, don’t feel the need to still buy something at a regular price. That’s the big “scam” of Black Friday. Stores have a handful of items at low prices, then want you to buy everything else at the regular price once they’ve got you in there. - Edwin, CashTheChecks.com |  |  |  |
| [10/20/2008, 19:41] | Going out like a Rock Star |  | Andrew Lahde, manager of a hedge fund that profited enormously by speculating on the failure of firms that made major bets on sub-prime mortgages, has called it quits. His "so long, and thanks for the fish" comes in the form of this letter. Enjoy. |  |  |  |
| [06/09/2006, 04:17] | June - 2006 Net Worth Update |  | This June update is abit depressing since all of my liquid savings went into the downpayment ($67,000), closing costs ($6,957), and renovation costs ($ 9,000) for the condo. In addition to this, I had to borrow a lot of money from my dad and mom to help me with the downpayment with the condition that whenever the place is sold, they will get their half of the profits on the sale. I know, I have great parents.
Still, when I stare at this balance sheet, it makes me very nervous at the amount of debt I have. My condo's value has gone up to $341,000 but I'm not going to include it into the net worth calculations since it's not a tangible value.
I have managed, however, in the last three months, to boost my liquid savings back up to around $5,000 something by saving every bit of penny I have.
Here goes... My June, 2006 Net Worth:
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| [09/25/2008, 17:26] | John McLane Rescues The US Economy |  | This is not a political blog, but perhaps I am a bit cranky after losing electricity and water for 5 days, so I will let this one slip by. So here goes:  Image source: http://codenameblogtastica.blogspot.com/ …. he killed a helicopter with a car, and then he walked bare-foot on broken glass, and then he fired a few people, and then he suspended whatever that was going on and proceeded to Capitol Hill to beat the crap out of bad dudes and to rescue the economy. Oh wait… it’s McClane not McCain you idiot. Oops! it’s probably the uncanny similarity between the looks of Mr. Willis and Mr. McClane Mr. McCain that confused me. I don’t mean any disrespect, but I had to get this out because I actually had a dream of John McCain hanging “suspended” upside down in New York’s Central Park right above a huge pile of money (that looked like it was about $700 billion). I woke up a little scared and then realized that it’s because I read about David Blaine’s stunt before going to sleep last night - while I was being constantly bombarded by television commentary on McCain’s suspension of his campaign (or whatever - didn’t look much of a campaign anyways) and the $700 billion bailout. You can imagine the kind of maverick-ish impact Mr. McClane Mr. McCain is having on me. Anyways, with that out of the way, there is something else I need to say. It has recently come to my attention that some people don’t really know how many zeroes are there in a billion! That calls for a little bit of elaboration on the numbers you might hear in the next few months. $700 billion = $700,000,000,000 300 million = 300,000,000 (as per Google search, the actual number is close to 301,139,947 - go figure what this number is) Now, $700,000,000,000/300,000,000 = $2333.33 per person As per 2006 tax figures, there were 135,660,228 tax returns filed. Now, $700,000,000,000/135,660,228 = $5159.95 per tax return Some other numbers to put things into perspective. For the year 2007, AIG CEO’s (Martin Sullivan) monetary compensation was $13.9 million ($13.9 million = $13,900,000) Earlier this year, most people I know received economic stimulus payments that ranged between $600 and $1200 |  |  |  |
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