How do you become successful at network marketing? That's a question a lot of people ask and often they find it very hard to find someone who will give them an answer that is both honest and competent.

Let's start with what not to do. You don't want to depend on your warm list, weekly local meetings, living room parties, sizzle cards, putting up flyers at the grocery store or laundry, running overly expensive newspaper ads and you certainly don't want to buy those crappy internet leads. THEY DON'T WORK.

What you need are twenty-first century techniques that are necessary to make money online. There are many powerful tools available for making your home based business opportunity a success through internet marketing while continuing to work at home. One way is through video marketing or video blogging ("vlogging") of the kind you see on this blog. Another way is through mass emailing towards targeted demographic groups. You can do that through a company called Veretekk. Check out any of my Veretekk-related websites in the links column on the right hand side of this blog. Veretekk offers many powerful tools for internet marketing. The function of these is to increase your google ranking and search engine optimization.

Of course, in network marketing it doesn't matter how good your marketing system is if you don't work through a reliable, financially solid company with a good compensation plan and honest, professional, competent leadership at the top. My primary MLM is Ameriplan USA, sponsors of the largest discount dental and medical plan in the United States, and a company that has without a doubt one of the best compensation plans around. This is a company that actually has products you can be proud to sell.

If you want to know more about how you can be successful in network marketing, call me. My name is Troy K Preston. My office number is 804-355-7161 or you can call my toll free number at 888-504-0717.

Posted by Troy K Preston at 6:07 PM

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2. Live It Up, the Dollar is Dead?

by Bob Murphy

In a recent LRC blog post, it was suggested that in the midst of our current credit crisis – where the Fed is trying all sorts of tricks to prevent Wall Street traders from looking down and realizing they ran off the cliff months ago – the prudent thing to do is become debt-free. Pay off your credit cards, and don’t even take out a mortgage, if you can avoid it. This will not only help you personally to weather the upcoming storm, but it will also annoy the ruling elites, which is itself something most LRC readers would value at least at $20,000.

I generally endorse this analysis; it is certainly more sensible than the Hank Paulson recommendation, which – as best I can tell – runs something like this: "Hey everyone, go buy some stuff at the mall, stop trying to sell your house, and stop shorting US stocks!"

In particular, in the bust phase of a Fed-induced business cycle, the best thing people can do to alleviate the crisis is to save more. This will render the low rates during the boom phase less fictitious than if people continue with their original saving rate. (Of course, you shouldn’t save more just to "ease the recession." The purpose of the economy is to deploy resources in the way that best satisfies consumer preferences. If you don’t want to save more, then don’t do it out of some sense of duty.) Notice that this analysis is the exact opposite of the Paulson doctrine, especially when discussing the "stimulus" checks.

Having said all this, it does not follow that you should pay down your dollar-denominated debts. I personally just moved some of my credit card debt (partly a remnant from grad school days) onto a card that is giving me 0% through August 2009, with a 3% transfer fee. I have a pretty high income – the vast right-wing propaganda machine pays well, my friends, you should look into it – and so they gave me a large line of credit.

Now let’s say next month my wife and I are responsible and come up with $5,000 with which to pay down credit card balances. As long as I can move my balances to cards rolling over at low rates (like, zero!), even counting the transfer fee I would do much better using that $5,000 to buy some Krugerrands. I personally think it is entirely possible that any of the following will happen within the next twelve months:

Israel and/or the US will bomb Iran, in which case oil shoots to at least $175/barrel and gold shoots to at least $1200/oz.

Year-over-year consumer price inflation (even by the official measures) exceeds 10 percent. Gold rises at least 15 percent during this period.

The Federal Reserve runs of out Treasurys and so can’t "sterilize" the massive loans it has been making to banks (see chart below). Bernanke has to decide whether to discontinue the life support, or start expanding the money supply like crazy. He opts for the latter, and the dollar gets pummeled in the foreign exchanges. Gold soars.

In light of these possibilities, building up a decent position in hard money (i.e. gold) seems pretty smart, especially if the Fed will debase the currency. That’s the beauty of it: Yes, in nominal terms your credit card balances will rise by a certain amount (depending on your credit rating and the deal you can get), but in real terms your debt can actually shrink. Your salary will go up due to the printing press (albeit not as much as milk prices, perhaps) so that it will be easier for you to pay the (slightly higher) balances a year from now, versus paying them down today with your current salary.

For those wishing to read about even more exotic moves, like taking out the equity in your US-based house, and then using the freed up dollars to buy foreign assets, I highly recommend Peter Schiff’s book.

Final warning: Naturally credit cards are the work of a top demon, if not the devil himself. I wish I never started using them. But the point is, if you have strong willpower, it might actually make sense for you to divert your savings to other areas, rather than paying down dollar-denominated debts.

August 12, 2008

Bob Murphy has a Ph.D. in economics from New York University, and is the author of The Politically Incorrect Guide to Capitalism. He has a personal website at ConsultingByRPM.com

Copyright © 2008 LewRockwell.com

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27. What Caused the Credit Crisis?
By Ambrose Evans-Pritchard

State error led banks to ignore the lessons of history and overdose on too-cheap money, writes Ambrose Evans-Pritchard

Three years ago, the world's top watchdog warned that the global economy was veering out of control. Defending orthodoxy against the easy debt policies of the Greenspan era, the Bank for International Settlements said interest rates were being held too low for safety in most of the mature economies.

Credit crisis: Swept away by a tide of debt America had embarked on an unprecedented experiment. The US savings rate had fallen to near zero for the first time since the Slump. The current account deficit had reached levels that were incompatible with the dollar's role as the anchor of the global system.

The rising powers of Asia were preventing adjustment by holding down their currencies, and flooding the world with cheap credit in the process. Incipient bubbles were ubiquitous. "Most industrial countries are showing symptoms of over-heating in the housing market," it said.

New-fangled securities were allowing banks to take "highly leveraged positions". It was unclear how these untested inventions would "handle a string of credit blow-ups".

"One simply cannot ignore the number of indicators that are now simultaneously exhibiting marked deviations," concluded the BIS. That was in June 2005.

Regrettably, governments did exactly that. They ignored manifest risks. Real interest rates were held near or below zero in the US and a large arc of Europe until well into 2006.

By then, the damage was done. US housing had succumbed to full-fledged mania. Variants were emerging - later in the cycle - across the Anglo-Saxon world, the Baltic, Club Med, and Eastern Europe.

What occurred was a fatal cocktail, a mix of too much and too little government intervention at the same time. Bureaucrats (central banks) held down the price of credit: other bureaucrats (regulators) turned a blind eye to the excesses that cheap money caused in mortgages and the "shadow banking system" - that $3 trillion nexus of structured credit. Northern Rock continued to offer 125pc mortgages. Honey-trap "teaser" loans continued to ensnare Americans.

Former Federal Reserve chief Alan Greenspan now says the world faces a "once or twice in a century event". Faith in the financial system has been called into question. Taxpayers will have to rescue more banks. Missing is any hint of apology for his role in incubating this crisis as monetary overlord for 20 years.

Where did it all go wrong? One could start by looking at the trajectory of total US debt, up from 130pc to 350pc of GDP since 1982. "We've had a 30-year leveraging up of America, ending in an unchecked orgy," said Charles Dumas, from Lombard Street Research.

"The final straw was the Fed's hopelessly slow tightening from 2004 onwards. There was no excuse for the interest rates of 1pc, and then they went through this ludicrous metronome dance of quarter-point hikes," he said.

Mr Dumas said the fuel for the third-stage blast of the US debt rocket came from Asia's "savings glut". China, Taiwan, Vietnam and other exporters have built up huge surpluses by holding down their currencies through dollar pegs or "dirty floats".

Together with Russia and the Mid-East petro-powers, they have accumulated a war chest of some $6 trillion in reserves. This must be recycled into foreign assets. Most went into US and European bonds, pushing down the cost of long-term capital for the entire global system.

On top of this, roughly $250bn a year fled zero-interest rates in Japan to chase better returns abroad through the "carry trade". Japan's emergency stimulus leaked everywhere.

The ensuing bond bubble depressed yields for pension funds and insurers obliged to buy "AAA" assets, leaving them struggling to match their long-term liabilities. They were easy prey when the sharks came along with sub-prime debt "sliced and diced" into irresistible blocks of "AAA" securities, promising high yields.

Rules made matters worse. Professor Peter Spencer, from York University, said the Basle code on capital adequacy ratios caused a perverse side-effect. "By making banks raise capital against their balance sheets, it gave them a strong incentive to move off balance sheets," he said.

The Fed could have done a great deal to offset the tsunami of Asian money by squeezing liquidity at home. It chose not to do so. Mr Greenspan and his protégé, Ben Bernanke, saw no need to act because inflation was tamed.

Cheap Asian goods flooded the world, keeping a lid on inflation in the West. It lulled the central banking fraternity into a false sense of security. As they slept, the excess money found its way into asset booms. This was the "Great Error".

Read Part Two

http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/08/08 /ccrisis108.xml&page=2

Read Part Three

http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/08/08/ccrisis108.xml&page=3

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30. What Will You Do If A Depression Comes?

Nobody likes to be a doomsayer, but some economists are predicting a depression may be on the horizon so far as the U.S. economy goes. What will you do if fuel costs, food costs, housing costs and healthcare costs continue to go through the roof? At times, it's hard to imagine things getting much worse. But they can. Just ask your parents or grandparents or great-grandparents who lived through the Great Depression of the 1930s.

In such horrible economic conditions, you will need to find creative ways of making a living, paying your bills and financing your healthcare. Unemployment rates will be high, so you will need to be able to work for yourself if you can't find a job. You'll need something with a low overhead and low start-up costs. A home based internet or network marketing business is the key. Learn how to make money online. You'll need a business with products, like health and dental discount plans, that will fill a huge consumer demand. And the consumer demand for healthcare related services will grow dramatically in the event of serious economic failure. You'll need to be affiliated with a company with a good history, solid reputation, solid financial condition and a good compensation plan. You can find all of these things in Ameriplan, one of the best network marketing businesses out there and one that offers that largest discount dental plan in the United States.

You'll also need to be able to attract professional people into your downline and organization. People with education, skills, talent, experience, motivation, and the ability to communicate. People with some level of resources to get started with. To attract people of this caliber, you will need to offer them not only a product line, compensation plan and opportunity that meets their standards, but you will also need to offer them a professional, effective, results-oriented method of doing the business. That's where our team comes in. We don't waste your time and money with outdated 1970s era network marketing methods like living room meetings, door to door, newspaper ads that are costly and don't produce or sizzle cards. We don't ask you to call your warm list. We don't even try to talk you into purchasing those crummy internet leads with their disconnected phone numbers. Who needs that hassle?

We use up to date, 21st century methods like video blogging, highly sophisticated internet marketing techniques that are on the cutting edge of the industry and contemporary technological resources like automated dialing services. That's what we're about. If you want to know more, call me.

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Today I was visiting one of the fellows who does the maintenance work on my PC and he mentioned that he is constantly amazed at the number of his customers who make money online. I told him I know folks with six figure corporate incomes who still want to break into the world of internet marketing. Why? Because the opportunity is so great! Who needs a boss when you can make a living that is just as good or better with a home business?

You can do it, but you need the right opportunity with a solid company and a good compensation. And you need to be on a good team with a good upline, a solidly productive manner of doing business and a good trainer. Fortunately, I've found what I need. Ameriplan has not only one of the best product lines of any network marketing company, but also one of the very best compensation plans. Our team uses the Veretekk internet marketing system, by far the most sophisticated and technologically advanced marketing system available, and our team leader is Mr. Lowell Farmer, a highly successful veteran of numerous network marketing companies who consistently earns a six-figure income while working from home.

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34. Why Are Oil Prices So High?
by Stefan M.I. Karlsson

Since August 2007, the price of oil has nearly doubled from under $70 per barrel to more than $135 per barrel. This is of course a big problem for the world economy. Not only will it cause massive redistribution of resources from consumers to producers, but by making transportation and production that uses petroleum products as an input, it will slow economic growth. And many consumers, particularly in America, are shocked and angered by the high prices. And since it is election year in America, this means the politicians all say they will try to fix the problem.

But as we will see, it is politicians which have caused the problems in the first place, and as no prominent politician except for Ron Paul recognize this and wants to abolish these policies, they instead create false scapegoats. The most popular scapegoats right now are speculators. Investing in commodities has in recent years been increasingly popular and certainly a very successful investment strategy, the case for which libertarian investment superstar Jim Rogers laid out in his book Hot Commodities that I reviewed on the Ludwig von Mises Institute web page. The politicians and their collaborators now charge Jim Rogers and others who have followed his strategy of causing the commodity price boom they predicted and profited from.

Yet this accusation is based on a complete misunderstanding of how commodity markets function, whether intentional or not. Considering how complex the functioning of these markets in fact is, it cannot be ruled out that it is unintentional. And even if it isn’t, people need to learn this in order to be able to see through the deception.

Starting with the basics, commodity markets can be divided into spot markets and futures markets. Spot markets are the markets for immediate delivery, futures markets are the markets for delivery at some future point in time, usually not more than a year or so in advance. As futures contracts are constantly traded, it should be noted that someone who buys a commodity with a futures contracts need not necessarily be the one that buys it at the expiration date. But this is not dissimilar to how someone who bought a commodity with a spot contract can sell the commodity to someone else.

And just as there is always both a buyer and a seller in a spot contract, there is always a buyer and a seller in a futures contract. Usually though, the buyer is referred to as having a long position while the seller is referred to as having a short position, but that is basically just semantics. People with long positions are in effect buyers while people with short position are in effect sellers.

What should further be realized is that first of all most commodity speculators invest in futures while what matters for the price of petroleum actually used in the economy is primarily the spot price. Note further that commodity speculators can take both long position and short positions. This implies that commodity speculators may not in fact be contributing to higher prices. If speculators as a group have equally large long and short positions then they will have no effect on futures prices, and if they as a group have larger short positions than long positions then their speculations will in fact lower futures prices.

Moreover, even if speculators as a group have a net long position, the speculators that pushed up the futures price in the first place will, once the futures contract approaches expiration date, face two choices. Choice number one is to sell the contract or sell the underlying commodity to some consumer once the contract expires. Choice number two is to put the commodity in some physical inventory and keep it there.

If the speculators choose the first alternative, then this will push down the price back to the level where it would have been in the absence of the original purchase. In this case, speculation will thus have no effect on the spot price.

If on the other hand the second alternative is chosen, then speculation will indeed contribute to higher prices, at least temporarily. But while that is a possible theoretical scenario, that does not mean it is applicable to the current situation. The fact is that there is no evidence of increased inventories. Indeed, according the Energy Information Administration, U.S. crude oil inventories were 14 % lower in the week ending June 20 than a year ago.

Some have replied to this argument by saying stock building for speculative purposes need not be above ground, it could also come in the form of producers choosing not to pump oil from the ground. But first of all, oil-producing governments is not what is typically meant by speculators. And the issue being discussed was the role of professional speculators acting on the futures markets, not what the governments of Saudi Arabia or Kuwait choose to do, so this argument is basically a case of changing the subject. And secondly, as it happens, no evidence exist that oil producers are choosing to reduce production for speculative purposes. Spare capacity among oil producers is relatively low, especially if you exclude spare capacity caused by, for example terrorist attacks against oil facilities in Nigeria.

What then is the cause of high oil prices and what could be done about it? As I indicated in the aforementioned review, the boom is primarily driven by structural long- or medium-term factors. Demand is growing rapidly because of the rise of China and fast growth in other emerging economies. Meanwhile, while global oil production is actually growing, growth is inhibited in the short term both because of various political factors that stop drilling and because of the fact that even where such political obstacles does not exist, it takes several years to actually extract the oil. Brazil has recently found vast new oil reserves, and no political obstacles exist there to prevent drilling, yet it will be several more years before that oil reaches the world market.

These political factors differ somewhat in their form, but none of them seems likely to go away anytime soon. In Nigeria, as was previously stated, constant attacks against oil facilities are holding down production there, and these attacks looks unlikely to cease. In countries like Venezuela, Mexico and Russia, hostility against foreign investments combined with governments and bureaucrats starving government run oil companies of competence and cash, means that potential oil production is held back. And in the United States, opposition to drilling for environmentalist reasons, mainly by Democrats, prevents increases in oil production.

Another factor that in the short term has contributed to the sharp increase in the price of oil is the Fed’s inflationary monetary policies. Because the price of oil is much more flexible than most other prices and it is immediately affected by, for example, exchange rate effects, the short-term effect of an inflationary monetary policy is much greater than the short-term effect on the more sticky prices of regular goods in the supermarkets. That the oil price increased so much after the Fed started its aggressive interest rate cuts was not really a coincidence.

What then can be done about the high oil price? The long-term solution is to reduce or abolish taxation on oil production and to abolish all regulatory restrictions (whether motivated for environmentalist reasons as in the U.S. or nationalist reasons as in Mexico) on oil drilling. Opponents of drilling often reply to this that it won’t provide any short-term relief. But while that is true, but there won’t be any short-term relief without drilling either and the point of drilling is to provide long-term relief. Moreover, their preferred solution of having the government invest in research to invent more so-called renewable sources of energy is likely to take even longer to provide relief (if it ever provides relief).

To provide short-term relief, different solutions are needed. This means, for example, that the U.S. government should start releasing the oil held in the so-called Strategic Petroleum Reserve, while the Fed should stop its inflationary policies.

Unfortunately, I don’t think any of these solutions are likely to be implemented anytime soon, which is one of the reasons why I am not as optimistic as Don Armentano about the possibility of a significant price decline in the near future. However, while the oil price is unlikely to go down, we should always remember that it is governments and not speculators that are responsible for the all-too-high oil price we suffer from now.

June 28, 2008

Stefan M.I. Karlsson is an economist working in Sweden.

Copyright © 2008 LewRockwell.com

Troy K. Preston Ameriplan Certified Regional Trainer 804-355-7161

With Veretekk, you can generate a huge volume of traffic to your website, generate free leads for your network marketing, MLM or home base business. Veretekk provides a huge variety of tools including sequential email, massive free lead generation, blasting out thousands of web and internet ads daily, conference call services, blogging, etracking, web design and hosting and much, much else. Veretekk is also an opportunity to make money online in its own right where the system you use to build your primary MLM also makes you money and pays for itself. Call Troy K Preston at 804-355-7161 or visit my website at http://povertyisnofun.veretekk.com

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Posted by Troy K Preston at 1:30 PM

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35. Central bank body warns of Great Depression

The Bank for International Settlements (BIS), the organisation that fosters cooperation between central banks, has warned that the credit crisis could lead world economies into a crash on a scale not seen since the 1930s.

In its latest quarterly report, the body points out that the Great Depression of the 1930s was not foreseen and that commentators on the financial turmoil, instigated by the US sub-prime mortgage crisis, may not have grasped the level of exposure that lies at its heart.

According to the BIS, complex credit instruments, a strong appetite for risk, rising levels of household debt and long-term imbalances in the world currency system, all form part of the loose monetarist policy that could result in another Great Depression.

The report points out that between March and May of this year, interbank lending continued to show signs of extreme stress and that this could be set to continue well into the future.

It also raises concerns about the Chinese economy and questions whether China may be repeating mistakes made by Japan, with its so called bubble economy of the late 1980s.

EDITORS NOTE: Quite a few comments have been made that there is no direct reference to the Great Depression in this month’s BIS report.

While this is strictly true, BIS warned in June 2007 - just before the Credit Crunch really hit - that the global economy was vulnerable to a major economic set-back because of extraordinary exposure to collateralized credit.

BIS directly made references to the 1930’s as an example of a similarly serious credit bubble, and this month’s BIS report describes the conditions of this being lived out.

So, to be pedantic, the warning “BIS warns of Great Depression” is actually a year old already. What BIS discusses now is the fragility of existing conditions of the fall-out from a massive credit bubble bursting - which has already been made clear across their reports historically can be similarly referenced to the 1930’s, though stated in a typically conservative and non-alarmist language.

Even what optimism BIS had about a weak recovery to the end of May 2008 have been dashed by extreme shorting of financial stocks across the US and UK - Lehman Brothers, HBOS, and property developers such as Barratts, have all taken extreme beatings in June 2008.

So back to the headline - BIS have indeed already warned of repeat of conditions that could be as extreme as the Great Depression, and are now describing that process as we move through it.

In the meantime, unemployment is already on the rise on both sides of the pond, and the analogy some people have concerns about I’m afraid is still salient.

Posted by Troy K Preston at 10:26 AM

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36. What are the benefits of having your own successful home business?
There are really too many benefits to count. These include:

1. The prospect of earning a much higher income than you would with a typical salaried position.

2. No boss looking over your shoulder.

3. No rat race and daily grind.

4. No dealing with the high costs of gas getting back and forth to work.

5. Spending more time with the kids and the family.

6. Taking control of your own life.

And that's just the beginning. There's also:

7. Huge tax breaks on your rent, mortage, phone, electric and internet bill, and transportation costs.

8. The chance for a permanent residual income for your retirement.

9. With Ameriplan, fantastic dental and health benefits.

10. The opportunity to help others.

11. With Veretekk, very low overhead costs in operating your business.

And there's so much more.

If this sounds like what you're looking for, call me:

Troy K Preston

Ameriplan Certified Regional Trainer

Richmond, Virginia

804-355-7161

Posted by Troy K Preston at 10:32 AM

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37. Would You Like to Have Your Own Business?
The essential qualities of a successful network marketing professional are diligence, patience and an ability to follow directions. If you have those character traits, you're already 85% of the way to success. Call Troy K Preston at 804-355-7161 With Veretekk, you can generate a huge volume of traffic to your website, generate free leads for your network marketing, MLM or home base business. Veretekk provides a huge variety of tools including sequential email, massive free lead generation, blasting out thousands of web and internet ads daily, conference call services, blogging, etracking, web design and hosting and much, much else. Veretekk is also an opportunity to make money online in its own right where the system you use to build your primary MLM also makes you money and pays for itself. Call Troy K Preston at 804-355-7161 or visit my website at http://povertyisnofun.veretekk.com http://povertyisnofun.blastomatic.com http://povertyisnofun.freeffas.com http://povertyisnofun.leadsomatic.com Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://healthanddentalplan.org or Call Troy K Preston at 804-355-7161 Work at Home Part-Time for 2-4 Years and Start Earning $100,000 a Year. Ameriplan is the home business network marketing internet based MLM opportunity you can trust! Call Troy K Preston at 804-355-7161

38. Some Americans Cut Credit Card Use
STRATFORD, Connecticut (CNN) -- When Cappie and Don Perras saw their stock market investments tank this year, they decided to tighten their belts. They drive fuel efficient cars around their Connecticut town and eat at cheaper restaurants if they eat out at all. To avoid impulse buying, they avoid the mall. And for now, at least, they've put away the credit cards. This marks a big change from their old attitude. "I felt secure with my credit cards like, 'Oh well, I always have my credit cards,' " says Cappie Perras, a special education teacher. "Now I feel like, it's almost like there's a big caution sign in front of the credit card, 'Do Not Use, Only In Case of Emergency,' " she adds. The Perrases are examples of a trend building among middle-income and middle-aged consumers to cut back on credit card use, according to a new study by Javelin Strategy & Research, a financial research firm. Forty percent of consumers surveyed said they're pulling out their credit cards less than they were at the beginning of the year. Don Perras, a college professor approaching retirement age, says the family has stopped using cards, except for rare instances like booking hotel rooms on the road. Instead, the couple uses their debit cards. The aim: to soon be free of credit card debt. "It would be a top priority," Don Perras said. But with the high cost of living, the Perrases are having trouble making a dent in their $8,000 credit card balance. "I used to be able to maybe put $600 towards the debt. ... Now it's maybe if I'm lucky, $200," his wife says. The Perras family has plenty of company. Americans carry approximately $961.8 billion in revolving debt, according to the Federal Reserve Board. Delinquency rates on credit cards are at the highest levels since the end of 2002. Even as consumers cut back on using credit cards, they're finding it harder to pay down their balances, says Javelin President James Van Dyke. "In some cases they're out of work or perhaps their wages have been cut back, or maybe they had a variable rate which they have to pay more for than ever before," Van Dyke said. When people use their credit cards less, "this changes what goes on in the industry because credit card companies typically make a lot of their money on the fees they charge merchants." The reduction in revenue from new purchases, combined with concerns about new delinquencies, pose big worries for the credit card industry, Van Dyke says. "Credit card companies are running a bit scared right now, and for good reason, because people are having a difficult time paying off their balances; and everyday consumers, they're cutting into their purchases right now -- both luxury goods and even the basic necessities," Van Dyke says. According to the Javelin study, nearly 70 percent of financial institutions say they have cut back on credit card solicitations. Six of 10 say they are limiting the amount of credit offered to customers. James Chessen, chief economist for the American Bankers Association, says the industry is well prepared for the economic downturn. "It's all a matter of managing that risk, because you know the volume will be off, you know the economy is riskier today than it was a year ago. So you naturally take that into account so you have the capacity to come out of this even stronger than you came into it," he added. For Cappie Perras, being stronger means cutting back on plastic. "I don't feel good about the credit cards," she says. "I regret that we got into so much credit card debt Posted by Troy K Preston at 4:03 PM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

39. Ameriplan Dental Benefits help you afford those root canals
Major dental work like root canals, crowns and cosmetic dentistry like dentures and whitening can get costly. Ameriplan has a dental discount benefits plan that helps you afford quality dental care. Health plans also available. Call Troy K Preston at 804-355-7161 The essential qualities of a successful network marketing professional are diligence, patience and an ability to follow directions. If you have those character traits, you're already 85% of the way to success. Call Troy K Preston at 804-355-7161 With Veretekk, you can generate a huge volume of traffic to your website, generate free leads for your network marketing, MLM or home base business. Veretekk provides a huge variety of tools including sequential email, massive free lead generation, blasting out thousands of web and internet ads daily, conference call services, blogging, etracking, web design and hosting and much, much else. Veretekk is also an opportunity to make money online in its own right where the system you use to build your primary MLM also makes you money and pays for itself. Call Troy K Preston at 804-355-7161 or visit my website at http://povertyisnofun.veretekk.com http://povertyisnofun.blastomatic.com http://povertyisnofun.freeffas.com http://povertyisnofun.leadsomatic.com Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://healthanddentalplan.org or Call Troy K Preston at 804-355-7161 Work at Home Part-Time for 2-4 Years and Start Earning $100,000 a Year. Ameriplan is the home business network marketing internet based MLM opportunity you can trust! Call Troy K Preston at 804-355-7161 affordable best care cheap companies dental family group health individual inexpensive insurance plans vision Dental Insurance dental plan cosmetic dentist root canal braces humor funny teeth whitening online AFFORDABLE HEALTH CARE WITH NO PRE-EXISTING CONDITION CLAUSES. Discounted Medical, dental, vision, prescription and chiropractic for low monthly fee For_Immediate_Release: United States of America (Press Release) December 30, 2007 -- This discounted fee plan will offer and entire household of people for $39.95 a month regardless of age or relationship benefits of 50-80% savings in the medical, dental, vision, prescription, and chiropractic areas when they use providers in their areas that are contracted to our plan. We also have a smaller package for people on medicare, and people who have insurance, but need dental, vision, prescription and chiropractic benefits for $19.95 a month. We also have a free prescription plan for people in the lower income ranges who are spending over $100.00 a month for their medications. No body should have to chose between medication and food. Also have a package the will help diabetes with there meters and supplies. Any income level for this program. This plan is not insurance. Affordable Dental and Health Insurance July 15th, 2008 We continue to see the lack of affordable health and dental insurance for millions of people. Congress has failed over and over to pass legislation that will provide adequate and affordable coverages. There are alternatives, however. Ameriplan has a dental and medical discount plan that is extremely affordable and an alternative to expensive insurance plans. These discount plans have no waiting periods. We have thousands of providers nationally. These discount plans start at 19.95/month for an entire household and there are no exemptions or waiting periods. Affordable Dental Care Children Dental Problems Dental disorders Dental Plus Discount Dental Plans Healthy Diet Lack of Health Insurance State Health Information Affordable Dental and Health Insurance Independent Dental Insurance Affordable Dental Plans Ameriplan Home Business TMJ Disorders Affordable Dental and Medical Benefits Ameriplan Medical Care Free Medical Information Health and Dental resources affordable best care cheap companies dental family group health individual inexpensive insurance plans benefits online pre-existing conditions Posted by Troy K Preston at 4:08 PM Labels: Make Money Online Veretekk Ameriplan Network Marketing Troy K Preston Home Based Business Opportunity Internet Marketing Network Marketing Povertyisnofun Health Plan Dental Plan

40. Australia Faces Worse Crisis Than America
By Ambrose Evans-Pritchard, International Business Editor The world's financial storm has swept through Australia and New Zealand this week amid mounting signs of contagion across the Pacific region. Many fear the economic party in Australia will end badly Financial shares were pummelled in Sydney on Tuesday after investor flight forced National Australia Bank (NAB) to slash a £400m bond sale by two thirds. The retreat comes days after the Melbourne lender shocked the markets by announcing a 90pc write-down on its £550m holdings of US mortgage debt, an admission that it AAA-rated securities are virtually worthless. In New Zealand, Guardian Trust said it was suspending withdrawals from its mortgage fund owing to "liquidity difficulties in the market". Hanover Finance - the country' third biggest operator - last week froze repayments to investors. The company said its "industry model has collapsed" as the housing market goes into a nose dive. Some 23 finance companies have gone bankrupt in New Zealand over the last year. It is now clear that the Antipodes are tipping into a serious downturn. Australia's NAB business confidence index fell to its lowest level in seventeen years in June. New Zealand's central bank began to cut interest rates last week on fears that the economy may have contracted in the second quarter, and is now entering recession. Housing starts slumped 20pc in June to the lowest since 1986. advertisement Gabriel Stein, from Lombard Street Research, said Australia could prove vulnerable once the global commodity cycle turns down. It has racked up a current account deficit of 6.2pc of GDP despite enjoying a coal, wheat, and metals boom, effectively spending its resources bonanza in advance. Household debt has reached 177pc of GDP, almost a world record. "It is amazing that in the midst of the biggest commodity boom ever seen they have still been unable to get a current account surplus. They have been living beyond their means for 10 years. What worries me is that productivity growth has been very low: they have coasting after their reforms in the 1990s," he said. Australia's Reserve Bank has had to grapple with vast inflows of Asian capital, especially Japanese money fleeing near zero rates at home. Short of imposing currency controls, it would have been almost impossible to stop the inflows. "The easy money went straight into real estate," said Hans Redeker, currency chief at BNP Paribas. "Australia will now have to generate 4pc of GDP to meet payments to foreign holders of its assets," he said. This is twice as high as the burden faced by the US. Both the Australian and New Zealand dollars have fallen hard in recent days and now appear to be breaking down through key technical support against major currencies, including the US dollar. "The Aussie is going down, big time," said Mr Redeker. The picture is darkening across the Pacific Rim. The Bank of Japan's deputy governor, Kiyohiko Nishimura, said its economy may now be falling into a "technical recession". Household income dropped 2.1pc in June compared to a year earlier and manufacturers are the gloomiest since the deflation crunch in 2003. The decision by National Australia Bank to make drastic provisions on its US mortgage debt could have ramifications in the US itself. It opted for a 100pc write-off on a clutch of "senior strips" of collateralized debt obligations (CDO) worth £450m - even though they were all rated AAA. No US bank has admitted to such fearsome loss rates. Posted by Troy K Preston at 4:15 PM Labels: affordable best care cheap companies dental family group health individual inexpensive insurance plans benefits online pre-existing conditions

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42. Some More Signs of the Depression
Says a Detroit resident: "Here in Southeastern Michigan, we got a head start on y'all in terms of the Depression. Things look especially bleak here. There are empty strip malls everywhere, especially in the medium-to-nicer 'burbs. There are unfinished strip malls all around where I live. There are half-finished condo and townhouse projects, with the finished phases being 50% - 80% empty, and the rest of the properties consisting of 4-foot weeds. There are prime pieces of property on the semi-rural, north end of the 'burbs that are cleared for development, with the home models sitting empty, and nothing but acres and acres of weeds filling the land. So many niche businesses have closed - scrapbooking stores, mom-and-pop pet stores and grooming businesses, car detailing/accessory shops, small clothing stores, gift shoppes, florists, sports memorabilia shops, small gyms, etc. There are more empty gas stations and auto service centers than I have ever seen before. Nice - but newer - restaurants and taverns that opened at the height of the boom are mostly gone. Only the neighborhood staples and successful chains are going to remain. The super-duper auto dealers - who built massive castles on huge plots of land - are starting to fall. Every neighborhood - from lower middle class to upper middle class - has numerous empty houses. Most of the Starbucks here are closing. Retail stores are cutting back hours: opening later and closing earlier. Even the big, indoor malls are emptying out rather quickly. Harley-Davidson had built some beautiful mega-stores here in the last few years, and 2-3 years ago, you were lucky to push your way through the door and find a salesperson. Now, in the middle of a Saturday in summer, the salespeople sit around, and there is hardly anybody milling about the dealership. They just aren't selling $18,000 bikes. My doctor - a long-respected practitioner, here - force-fed me referral sheets last time I was there. For every patient referral, I get a $10 gift card to a Home Depot, or whatever. The office manager also gave me DVDs highlighting the practice, for handing out to my friends. Massage therapists are going out of business everywhere, including my own guy. My hair stylist, a highly-skilled stylist who charges in the $45 - $60 range, said business is down 40%, and he's down to working 3 days per week. His salon has gained two new renters who closed up their own salon businesses. I am getting coupons in the mail from local businesses that have never before offered coupons. All those huge, beautifully-built, stand-alone jewelry stores that went up over the last 6-8 years, when a person's house was the ideal ATM? Closing. I never used to dare venture into a Wal-Mart or a Lowe's (or Home Depot) in the middle of a weekend day, because of the nagging crowds. Now I'll go because the parking lots are 20% full, or less." Posted by Troy K Preston at 4:22 PM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

43. Bennigan's and Steak and Ale Face Bankruptcy
Dining Chains Shut Doors Bennigan's, Steak and Ale To Liquidate as Glutted Restaurant Industry Shakes Out By JEFFREY MCCRACKEN and JANET ADAMY After filing for Chapter 7 bankruptcy, the parent company of national chains Bennigan's and Steak and Ale on Tuesday shut hundreds of restaurants, putting thousands of employees out of work. The move by privately held Plano, Texas-based Metromedia Restaurant Group knocks down two sit-down chains that have been part of the country's casual-dining landscape for decades. About 200 restaurants were closed immediately, including all of the remaining 50 or so Steak and Ales. The filing eliminates full and part-time jobs for more than 9,200 employees, many of those in Texas, Florida and Illinois, three people familiar with the matter said. Another 138 franchisee-owned Bennigan's sites aren't part of the filing and intend to remain open. They face a more uncertain future, however, given they'll no longer have the full support of parent company Metromedia Restaurant Group, a unit of billionaire John Kluge's Metromedia empire. A company spokeswoman, Leah Templeton, declined to answer specific questions about the closings and the filing. In an email, she said that stores operated by franchisees are not named as debtors in the filings, and that future decisions regarding the affairs of the debtor companies will be determined and administered by a bankruptcy trustee. In addition to Bennigan's and Steak and Ale, the filing includes a handful of Tavern restaurants, an experimental concept at Metromedia. It doesn't include the company's Ponderosa and Bonanza restaurants, which operate under Metromedia Steakhouses Co., she said. The filing marked one of the largest Chapter 7 bankruptcies of a restaurant chain in recent history, according to restaurant consultancy Technomic, and is the most extreme sign yet of how midprice, sit-down restaurants are undergoing one of their worst periods in decades. Challenger, Gray & Christmas says the resulting layoffs constitute the sixth-largest mass job cut of the year. High ingredient and labor costs are eating into profits, and several years of rapid expansion by bar and grill chains has left a glut of locations in the market. Pressures such as high gasoline prices and dwindling home values have prompted consumers to eat out less often or switch to cheaper fast-food meals. Restaurant pioneer Norman Brinker founded Steak and Ale in 1966 in Dallas. The chain, with its dimly lit dining rooms, has billed itself as offering an upscale steak experience at lower prices. It was seen as a model for the casual-dining steakhouse chain, and many executives there went on to run other large chains. Bennigan's, founded in Atlanta in 1976, expanded rapidly across the country in the 1990s, opening hundreds of its pub-themed restaurants to entice diners with over-size sandwich platters and happy hours. Irish-themed Bennigan's is known for fried Monte Cristo sandwiches, walls cluttered with antique photos and slightly lower prices than its rivals, like three-course meals for $10.99. The venerable chains weren't able to survive in part because their menus and atmosphere failed to set them apart from the pack, said Ron Paul, president of restaurant consultancy Technomic. "There's just too many stores in this category," said Mr. Paul, whose firm has done work for Metromedia. "Most of these places aren't even that full on a Saturday night." Chains have already started slowing their expansion and shutting locations, and Mr. Paul expects that will accelerate. Other large national chains that have filed for bankruptcy this year include Vicorp Restaurants Inc.'s Bakers Square and Village Inn and Buffets Inc.'s Old Country Buffet. Those chains, however, are trying to restructure and eventually emerge from bankruptcy, while Bennigan's and Steak and Ale are planning to liquidate. Metromedia Restaurant Group earlier this year violated terms of a lending agreement with GE Capital Solutions. It had been in negotiations with lenders since last year to stave off the filing, while closing about 75 stores and looking for a buyer, said two people involved in the matter. Metromedia's largest lenders are GE and the Bank of New York, which also own most of the chains' real estate. Over the past year, the parent company has had to contribute about $100 million to meet payroll and some debt obligations, these people said. Late Monday, managers at Bennigan's and Steak and Ale were called or emailed and told not to open restaurants the next day, according to two people familiar with the matter. Employees were told there wouldn't be enough money to pay them for the rest of the week, these people said. The abrupt shutdown took employees and customers by surprise. At a closed Bennigan's in downtown Chicago on Tuesday, tables were still stacked with rolls of silverware, ketchup and menus, and the neon signs remained lit. Posted on the doors, however, were paper signs that read: "Sorry we are closed." A hostess at that location, who declined to give her name, said she worked until midnight on Monday and was given no indication the store was in trouble. "I was kind of shocked," she said. A growing number of struggling companies are opting to liquidate rather than try to restructure in bankruptcy. Bankruptcy lawyers say many are caught between a slowing economy, a lack of bankruptcy financing and loose, covenant-lite bank agreements that allowed their financial situations to worsen before creditors could intervene. Posted by Troy K Preston at 4:25 PM Labels: Make Money Online Veretekk Ameriplan Network Marketing Troy K Preston Home Based Business Opportunity Internet Marketing Network Marketing Povertyisnofun Health Plan Dental Plan

44. Veretekk-for experienced network marketing professionals
If you're an experienced professional in the field of network marketing, you understand the importance of using up to date marketing techniques and maintaining a presence online. Veretekk helps network marketing professionals build their primary MLMs. Call Troy K Preston at 804-355-7161 mlm lead mlm leads mlm lead generation best mlm leads buy mlm lead exclusive mlm lead exclusive mlm leads mlm lead generator opt in mlm leads targeted mlm leads buy mlm leads cheap mlm leads mlm lead generation company mlm leads list optin mlm leads pre qualified mlm leads pre qualified mlm leads qualified mlm leads quality mlm leads surveyed mlm leads uk mlm leads verified mlm leads canadian mlm leads fast mlm leads mlm lead lists mlm leads generator marketing leads network marketing lead internet marketing leads network marketing leads direct marketing leads email marketing leads mortgage marketing leads leads business leads insurance leads lead generation email leads exclusive leads health insurance leads health leads internet leads loan leads real estate leads telemarketing leads business opportunity leads buy leads buying leads cheap leads fresh leads generate leads generating leads lead generation telemarketing leads generation leads list mlm business leads new leads online leads opportunity leads opt in leads purchase leads qualified leads real time leads targeted leads autoresponder leads b2b leads genealogy leads high quality leads how to generate leads leads for mlm leads generator mlm email leads mlm genealogy leads mlm local leads mlm phone lead mlm phone leads networking leads online business leads optin leads prospecting leads surveyed leads fresh email leads fresh survey leads generate leads online sfi leads usana leads mlm network marketing mlm network marketing lead mlm network marketing opportunity best mlm network marketing business mlm network marketing money downline mlm network marketing mlm network marketing leads mlm mlm business mlm marketing mlm companies mlm opportunity mlm articles mlm business opportunity network marketing mlm downline mlm opportunities mlm prospecting mlm recruiting mlm opportunities mlm prospecting mlm recruiting mlm success mlm training new mlm mlm help mlm prospects mlm secrets mlm tips mlm truth usana mlm mortgage leads mortgage lead generation buy mortgage leads exclusive mortgage leads telemarketing mortgage leads mortgage leads generation telemarketed mortgage leads generating mortgage leads sales leads business sales leads generate sales leads generating sales leads internet sales leads online sales leads prospecting sales leads sales leads list network marketing sales traffic Posted by Troy K Preston at 4:30 PM Labels: veretekk ameriplan network marketing professional make money online internet working at home health

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If you need an affordable dental plan and you can't get benefits because of ongoing or pre-existing conditions, maybe I can help you. The plan I offer is affordable, only $14.95 monthly for an individual or $19.95 for a household. No limits on use, no age limits, no waiting periods, no paperwork. This is the largest discount dental plan in the United States with 1.8 million members nationwide. Health plans also available. Call Troy K. Preston at 804-355-7161 We continue to see the lack of affordable health and dental insurance for millions of people. Congress has failed over and over to pass legislation that will provide adequate and affordable coverages. There are alternatives, however. Ameriplan has a dental and medical discount plan that is extremely affordable and an alternative to expensive insurance plans. These discount plans have no waiting periods. We have thousands of providers nationally. These discount plans start at 19.95/month for an entire household and there are no exemptions or waiting periods. Affordable Dental Care Children Dental Problems Dental disorders Dental Plus Discount Dental Plans Healthy Diet Lack of Health Insurance State Health Information Affordable Dental and Health Insurance Independent Dental Insurance Affordable Dental Plans Ameriplan Home Business TMJ Disorders Affordable Dental and Medical Benefits Ameriplan Medical Care Free Medical Information Health and Dental resources

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Basic Health™ - Only $29.95 per month Physician Care: No waiting period No pre-authorization for treatment required. No paperwork Instant Savings Specialist included where available All ongoing medical problems are accepted Cosmetic surgery included, where available Ancillary Services: Include services such as physical therapy, laboratory procedures, imaging centers, hearing services, mental health services and diabetic supplies. Hospital Advocacy: Should you need to be hospitalized and the anticipated charges exceed $2500, an advocate is assigned to negotiate the best possible fees for the hospital services, accounting for your ability to pay. NurseLine: At no extra cost you can address your family's immediate health matters or get your health questions answered by licensed registered nurses 24/7. You may save hours lost while waiting in a Doctor's office, missed time from work and even the high cost of office AFFORDABLE HEALTH CARE WITH NO PRE-EXISTING CONDITION CLAUSES. Discounted Medical, dental, vision, prescription and chiropractic for low monthly fee For_Immediate_Release: United States of America (Press Release) December 30, 2007 -- This discounted fee plan will offer and entire household of people for $39.95 a month regardless of age or relationship benefits of 50-80% savings in the medical, dental, vision, prescription, and chiropractic areas when they use providers in their areas that are contracted to our plan. We also have a smaller package for people on medicare, and people who have insurance, but need dental, vision, prescription and chiropractic benefits for $19.95 a month. We also have a free prescription plan for people in the lower income ranges who are spending over $100.00 a month for their medications. No body should have to chose between medication and food. Also have a package the will help diabetes with there meters and supplies. Any income level for this program. This plan is not insurance

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51. Two more US banks collapse as defaults soar
From The Times July 28, 2008 Two more US banks collapse as defaults soarSuzy Jagger in New York Financial authorities in Washington spent last week securing a rescue deal for two insolvent mortgage lenders in Nevada and California amid the latest signs that America's banking crisis is deepening. The collapse of the two banks - which had combined assets of about $3.6 billion (£1.8billion) - came as a senior financial regulator told The Times that there was no end in sight for the crisis gripping the banking industry. On Friday, Washington announced that it had forced the closure of First National Bank of Nevada and First Heritage Bank in California after they had found the first lender to have engaged in unsafe and unsound lending practices that had depleted its capital, and the second to be generally undercapitalised. The closure of the banks comes within two weeks of the collapse of IndyMac, a big Californian mortgage lender, and raises new concerns that many more banks may be at serious risk of failure as America's financial crisis worsens. Wall Street has been monitoring nervously the problem-list of banks that are under close scrutiny by the Federal Deposit Insurance Corporation (FDIC), the Washington agency that insures banking deposits. That list has grown to include 90 banks over the first quarter of this year, compared with 76 in the last quarter of 2007. A division of the US Treasury took over the two banks last week and sold the bulk of their businesses on to Mutual of Omaha Bank. However, while the Omaha Bank acquired all the deposits from both banks, the FDIC - effectively Washington's receiver - has been forced to pick up the remaining $860 million of troubled assets. First National had total assets of $3.4 billion and $3 billion in deposits, while First Heritage had assets of $254 million and $233 million in deposits. Under the terms of the deal with the Mutual of Omaha, customers from both banks will automatically become clients of the new owner today, with no risk of loss of savings or banking facilities. Customers of the two bust banks were also able to withdraw cash from ATMs at the weekend and to write cheques. There were no scenes of panic outside any of the 28 branches of either bank over the weekend, unlike the queues of customers who lined up outside IndyMac offices a fortnight ago. Both banks operated in states that have borne the brunt of the American housing slump. With Veretekk, you can generate a huge volume of traffic to your website, generate free leads for your network marketing, MLM or home base business. Veretekk provides a huge variety of tools including sequential email, massive free lead generation, blasting out thousands of web and internet ads daily, conference call services, blogging, etracking, web design and hosting and much, much else. Veretekk is also an opportunity to make money online in its own right where the system you use to build your primary MLM also makes you money and pays for itself. Call Troy K Preston at 804-355-7161 or visit my website at http://povertyisnofun.veretekk.com Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://healthanddentalplan.org Posted by Troy K Preston at 1:04 PM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

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Ever wanted to work at home part-time for 2 years and start earning $100,000 a year? Now you can. Ameriplan is the perfect home business opportunity that can bring you a lifetime of residual income. This is a legitimate opportunity with an honest, solid company and good people from top to bottom. Our team provides comprehensive training using sophisticated internet marketing techniques with very low overhead. Call Troy K. Preston at 804-355-7161. ameriplan usa mlm network marketing millionaires home business how to who wants be millionaire work opportunity ameriplan leads business opportunity Home Business Opportunity MLM Network Marketing Ameriplan legitimate honest training internet marketing ameriplan usa Troy Preston

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Ameriplan is a fantastic opportunity for those in the fields of MLM, internet or network marketing or home business opportunity. But you need a large volume of quality leads to make it work. Join me in Ameriplan and I'll show how to generate an extraordinarily high volume of leads with very low overhead. No door to door, no buying expensive newspaper ads, no putting out sizzle cards, no purchasing crummy internet leads. Do it all sitting at home at your computer. You won't even need to go out of your front door. Call Troy K Preston at 804-355-7161 Ameriplan MLM Opportunity Generate Leads Traffic Home Business Internet Marketing Network Free Work at Home

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58. Employer Dental Benefits: Do You Need Them?
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59. Did You Know Plunging Hemlines are a Sign of Economic Depression?
The onset of the credit crunch has coincided with the re-emergence of "cover-up" chic, with hemlines plummeting almost as much as share prices. From Hollywood stars to footballers' wives, the floor-sweeping style of the maxi dress and full-length skirt has become the staple uniform. The likes of Angelina Jolie, Coleen McLoughlin and Kylie Minogue have adopted the look reminiscent of the hippy chic of the 1970s, when the economy and hemlines last plunged in unison. Fashion experts believe that the trend, which started on the catwalks and has now reached the high street, strengthens the theory that flush times mean higher hemlines, while the tightening of belts sends skirts to the floor. Click on the above link to read more! Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://healthanddentalplan.org Call Troy K. Preston at 804-355-7161 Posted by Troy K Preston at 11:37 AM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

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65. We're In a World Economic Crisis: Can Economic Depressions Be Cured?
The late economic historian Murray N. Rothbard was a major influence on the development of my understanding of political economy and monetary theory. He had some complex and interesting, if not thoroughly tested, ideas on how to prevent depressions. Here's one of his articles on the subject: Economic Depressions: Their Cause and Cure by Murray N. Rothbard We live in a world of euphemism. Undertakers have become "morticians," press agents are now "public relations counsellors" and janitors have all been transformed into "superintendents." In every walk of life, plain facts have been wrapped in cloudy camouflage. No less has this been true of economics. In the old days, we used to suffer nearly periodic economic crises, the sudden onset of which was called a "panic," and the lingering trough period after the panic was called "depression." The most famous depression in modern times, of course, was the one that began in a typical financial panic in 1929 and lasted until the advent of World War II. After the disaster of 1929, economists and politicians resolved that this must never happen again. The easiest way of succeeding at this resolve was, simply to define "depressions" out of existence. From that point on, America was to suffer no further depressions. For when the next sharp depression came along, in 1937-38, the economists simply refused to use the dread name, and came up with a new, much softer-sounding word: "recession." From that point on, we have been through quite a few recessions, but not a single depression. But pretty soon the word "recession" also became too harsh for the delicate sensibilities of the American public. It now seems that we had our last recession in 1957-58. For since then, we have only had "downturns," or, even better, "slowdowns," or "sidewise movements." So be of good cheer; from now on, depressions and even recessions have been outlawed by the semantic fiat of economists; from now on, the worst that can possibly happen to us are "slowdowns." Such are the wonders of the "New Economics." For 30 years, our nation's economists have adopted the view of the business cycle held by the late British economist, John Maynard Keynes, who created the Keynesian, or the "New," Economics in his book, The General Theory of Employment, Interest, and Money, published in 1936. Beneath their diagrams, mathematics, and inchoate jargon, the attitude of Keynesians toward booms and bust is simplicity, even naivete, itself. If there is inflation, then the cause is supposed to be "excessive spending" on the part of the public; the alleged cure is for the government, the self-appointed stabilizer and regulator of the nation's economy, to step in and force people to spend less, "sopping up their excess purchasing power" through increased taxation. If there is a recession, on the other hand, this has been caused by insufficient private spending, and the cure now is for the government to increase its own spending, preferably through deficits, thereby adding to the nation's aggregate spending stream. The idea that increased government spending or easy money is "good for business" and that budget cuts or harder money is "bad" permeates even the most conservative newspapers and magazines. These journals will also take for granted that it is the sacred task of the federal government to steer the economic system on the narrow road between the abysses of depression on the one hand and inflation on the other, for the free-market economy is supposed to be ever liable to succumb to one of these evils. All current schools of economists have the same attitude. Note, for example, the viewpoint of Dr. Paul W. McCracken, the incoming chairman of President Nixon's Council of Economic Advisers. In an interview with the New York Times shortly after taking office [January 24, 1969], Dr. McCracken asserted that one of the major economic problems facing the new Administration is "how you cool down this inflationary economy without at the same time tripping off unacceptably high levels of unemployment. In other words, if the only thing we want to do is cool off the inflation, it could be done. But our social tolerances on unemployment are narrow." And again: "I think we have to feel our way along here. We don't really have much experience in trying to cool an economy in orderly fashion. We slammed on the brakes in 1957, but, of course, we got substantial slack in the economy." Note the fundamental attitude of Dr. McCracken toward the economy – remarkable only in that it is shared by almost all economists of the present day. The economy is treated as a potentially workable, but always troublesome and recalcitrant patient, with a continual tendency to hive off into greater inflation or unemployment. The function of the government is to be the wise old manager and physician, ever watchful, ever tinkering to keep the economic patient in good working order. In any case, here the economic patient is clearly supposed to be the subject, and the government as "physician" the master. It was not so long ago that this kind of attitude and policy was called "socialism"; but we live in a world of euphemism, and now we call it by far less harsh labels, such as "moderation" or "enlightened free enterprise." We live and learn. What, then, are the causes of periodic depressions? Must we always remain agnostic about the causes of booms and busts? Is it really true that business cycles are rooted deep within the free-market economy, and that therefore some form of government planning is needed if we wish to keep the economy within some kind of stable bounds? Do booms and then busts just simply happen, or does one phase of the cycle flow logically from the other? The currently fashionable attitude toward the business cycle stems, actually, from Karl Marx. Marx saw that, before the Industrial Revolution in approximately the late eighteenth century, there were no regularly recurring booms and depressions. There would be a sudden economic crisis whenever some king made war or confiscated the property of his subject; but there was no sign of the peculiarly modern phenomena of general and fairly regular swings in business fortunes, of expansions and contractions. Since these cycles also appeared on the scene at about the same time as modern industry, Marx concluded that business cycles were an inherent feature of the capitalist market economy. All the various current schools of economic thought, regardless of their other differences and the different causes that they attribute to the cycle, agree on this vital point: That these business cycles originate somewhere deep within the free-market economy. The market economy is to blame. Karl Marx believed that the periodic depressions would get worse and worse, until the masses would be moved to revolt and destroy the system, while the modern economists believe that the government can successfully stabilize depressions and the cycle. But all parties agree that the fault lies deep within the market economy and that if anything can save the day, it must be some form of massive government intervention. There are, however, some critical problems in the assumption that the market economy is the culprit. For "general economic theory" teaches us that supply and demand always tend to be in equilibrium in the market and that therefore prices of products as well as of the factors that contribute to production are always tending toward some equilibrium point. Even though changes of data, which are always taking place, prevent equilibrium from ever being reached, there is nothing in the general theory of the market system that would account for regular and recurring boom-and-bust phases of the business cycle. Modern economists "solve" this problem by simply keeping their general price and market theory and their business cycle theory in separate, tightly-sealed compartments, with never the twain meeting, much less integrated with each other. Economists, unfortunately, have forgotten that there is only one economy and therefore only one integrated economic theory. Neither economic life nor the structure of theory can or should be in watertight compartments; our knowledge of the economy is either one integrated whole or it is nothing. Yet most economists are content to apply totally separate and, indeed, mutually exclusive, theories for general price analysis and for business cycles. They cannot be genuine economic scientists so long as they are content to keep operating in this primitive way. But there are still graver problems with the currently fashionable approach. Economists also do not see one particularly critical problem because they do not bother to square their business cycle and general price theories: the peculiar breakdown of the entrepreneurial function at times of economic crisis and depression. In the market economy, one of the most vital functions of the businessman is to be an "entrepreneur," a man who invests in productive methods, who buys equipment and hires labor to produce something which he is not sure will reap him any return. In short, the entrepreneurial function is the function of forecasting the uncertain future. Before embarking on any investment or line of production, the entrepreneur, or "enterpriser," must estimate present and future costs and future revenues and therefore estimate whether and how much profits he will earn from the investment. If he forecasts well and significantly better than his business competitors, he will reap profits from his investment. The better his forecasting, the higher the profits he will earn. If, on the other hand, he is a poor forecaster and overestimates the demand for his product, he will suffer losses and pretty soon be forced out of the business. The market economy, then, is a profit-and-loss economy, in which the acumen and ability of business entrepreneurs is gauged by the profits and losses they reap. The market economy, moreover, contains a built-in mechanism, a kind of natural selection, that ensures the survival and the flourishing of the superior forecaster and the weeding-out of the inferior ones. For the more profits reaped by the better forecasters, the greater become their business responsibilities, and the more they will have available to invest in the productive system. On the other hand, a few years of making losses will drive the poorer forecasters and entrepreneurs out of business altogether and push them into the ranks of salaried employees. If, then, the market economy has a built-in natural selection mechanism for good entrepreneurs, this means that, generally, we would expect not many business firms to be making losses. And, in fact, if we look around at the economy on an average day or year, we will find that losses are not very widespread. But, in that case, the odd fact that needs explaining is this: How is it that, periodically, in times of the onset of recessions and especially in steep depressions, the business world suddenly experiences a massive cluster of severe losses? A moment arrives when business firms, previously highly astute entrepreneurs in their ability to make profits and avoid losses, suddenly and dismayingly find themselves, almost all of them, suffering severe and unaccountable losses – How come? Here is a momentous fact that any theory of depressions must explain. An explanation such as "underconsumption" – a drop in total consumer spending – is not sufficient, for one thing, because what needs to be explained is why businessmen, able to forecast all manner of previous economic changes and developments, proved themselves totally and catastrophically unable to forecast this alleged drop in consumer demand. Why this sudden failure in forecasting ability? An adequate theory of depressions, then, must account for the tendency of the economy to move through successive booms and busts, showing no sign of settling into any sort of smoothly moving, or quietly progressive, approximation of an equilibrium situation. In particular, a theory of depression must account for the mammoth cluster of errors which appears swiftly and suddenly at a moment of economic crisis, and lingers through the depression period until recovery. And there is a third universal fact that a theory of the cycle must account for. Invariably, the booms and busts are much more intense and severe in the "capital goods industries" – the industries making machines and equipment, the ones producing industrial raw materials or constructing industrial plants – than in the industries making consumers' goods. Here is another fact of business cycle life that must be explained – and obviously can't be explained by such theories of depression as the popular underconsumption doctrine: That consumers aren't spending enough on consumer goods. For if insufficient spending is the culprit, then how is it that retail sales are the last and the least to fall in any depression, and that depression really hits such industries as machine tools, capital equipment, construction, and raw materials? Conversely, it is these industries that really take off in the inflationary boom phases of the business cycle, and not those businesses serving the consumer. An adequate theory of the business cycle, then, must also explain the far greater intensity of booms and busts in the non-consumer goods, or "producers' goods," industries. Fortunately, a correct theory of depression and of the business cycle does exist, even though it is universally neglected in present-day economics. It, too, has a long tradition in economic thought. This theory began with the eighteenth century Scottish philosopher and economist David Hume, and with the eminent early nineteenth century English classical economist David Ricardo. Essentially, these theorists saw that another crucial institution had developed in the mid-eighteenth century, alongside the industrial system. This was the institution of banking, with its capacity to expand credit and the money supply (first, in the form of paper money, or bank notes, and later in the form of demand deposits, or checking accounts, that are instantly redeemable in cash at the banks). It was the operations of these commercial banks which, these economists saw, held the key to the mysterious recurrent cycles of expansion and contraction, of boom and bust, that had puzzled observers since the mid-eighteenth century. The Ricardian analysis of the business cycle went something as follows: The natural moneys emerging as such on the world free market are useful commodities, generally gold and silver. If money were confined simply to these commodities, then the economy would work in the aggregate as it does in particular markets: A smooth adjustment of supply and demand, and therefore no cycles of boom and bust. But the injection of bank credit adds another crucial and disruptive element. For the banks expand credit and therefore bank money in the form of notes or deposits which are theoretically redeemable on demand in gold, but in practice clearly are not. For example, if a bank has 1000 ounces of gold in its vaults, and it issues instantly redeemable warehouse receipts for 2500 ounces of gold, then it clearly has issued 1500 ounces more than it can possibly redeem. But so long as there is no concerted "run" on the bank to cash in these receipts, its warehouse-receipts function on the market as equivalent to gold, and therefore the bank has been able to expand the money supply of the country by 1500 gold ounces. The banks, then, happily begin to expand credit, for the more they expand credit the greater will be their profits. This results in the expansion of the money supply within a country, say England. As the supply of paper and bank money in England increases, the money incomes and expenditures of Englishmen rise, and the increased money bids up prices of English goods. The result is inflation and a boom within the country. But this inflationary boom, while it proceeds on its merry way, sows the seeds of its own demise. For as English money supply and incomes increase, Englishmen proceed to purchase more goods from abroad. Furthermore, as English prices go up, English goods begin to lose their competitiveness with the products of other countries which have not inflated, or have been inflating to a lesser degree. Englishmen begin to buy less at home and more abroad, while foreigners buy less in England and more at home; the result is a deficit in the English balance of payments, with English exports falling sharply behind imports. But if imports exceed exports, this means that money must flow out of England to foreign countries. And what money will this be? Surely not English bank notes or deposits, for Frenchmen or Germans or Italians have little or no interest in keeping their funds locked up in English banks. These foreigners will therefore take their bank notes and deposits and present them to the English banks for redemption in gold – and gold will be the type of money that will tend to flow persistently out of the country as the English inflation proceeds on its way. But this means that English bank credit money will be, more and more, pyramiding on top of a dwindling gold base in the English bank vaults. As the boom proceeds, our hypothetical bank will expand its warehouse receipts issued from, say 2500 ounces to 4000 ounces, while its gold base dwindles to, say, 800. As this process intensifies, the banks will eventually become frightened. For the banks, after all, are obligated to redeem their liabilities in cash, and their cash is flowing out rapidly as their liabilities pile up. Hence, the banks will eventually lose their nerve, stop their credit expansion, and in order to save themselves, contract their bank loans outstanding. Often, this retreat is precipitated by bankrupting runs on the banks touched off by the public, who had also been getting increasingly nervous about the ever more shaky condition of the nation's banks. The bank contraction reverses the economic picture; contraction and bust follow boom. The banks pull in their horns, and businesses suffer as the pressure mounts for debt repayment and contraction. The fall in the supply of bank money, in turn, leads to a general fall in English prices. As money supply and incomes fall, and English prices collapse, English goods become relatively more attractive in terms of foreign products, and the balance of payments reverses itself, with exports exceeding imports. As gold flows into the country, and as bank money contracts on top of an expanding gold base, the condition of the banks becomes much sounder. This, then, is the meaning of the depression phase of the business cycle. Note that it is a phase that comes out of, and inevitably comes out of, the preceding expansionary boom. It is the preceding inflation that makes the depression phase necessary. We can see, for example, that the depression is the process by which the market economy adjusts, throws off the excesses and distortions of the previous inflationary boom, and reestablishes a sound economic condition. The depression is the unpleasant but necessary reaction to the distortions and excesses of the previous boom. Why, then, does the next cycle begin? Why do business cycles tend to be recurrent and continuous? Because when the banks have pretty well recovered, and are in a sounder condition, they are then in a confident position to proceed to their natural path of bank credit expansion, and the next boom proceeds on its way, sowing the seeds for the next inevitable bust. But if banking is the cause of the business cycle, aren't the banks also a part of the private market economy, and can't we therefore say that the free market is still the culprit, if only in the banking segment of that free market? The answer is No, for the banks, for one thing, would never be able to expand credit in concert were it not for the intervention and encouragement of government. For if banks were truly competitive, any expansion of credit by one bank would quickly pile up the debts of that bank in its competitors, and its competitors would quickly call upon the expanding bank for redemption in cash. In short, a bank's rivals will call upon it for redemption in gold or cash in the same way as do foreigners, except that the process is much faster and would nip any incipient inflation in the bud before it got started. Banks can only expand comfortably in unison when a Central Bank exists, essentially a governmental bank, enjoying a monopoly of government business, and a privileged position imposed by government over the entire banking system. It is only when central banking got established that the banks were able to expand for any length of time and the familiar business cycle got underway in the modern world. The central bank acquires its control over the banking system by such governmental measures as: Making its own liabilities legal tender for all debts and receivable in taxes; granting the central bank monopoly of the issue of bank notes, as contrasted to deposits (in England the Bank of England, the governmentally established central bank, had a legal monopoly of bank notes in the London area); or through the outright forcing of banks to use the central bank as their client for keeping their reserves of cash (as in the United States and its Federal Reserve System). Not that the banks complain about this intervention; for it is the establishment of central banking that makes long-term bank credit expansion possible, since the expansion of Central Bank notes provides added cash reserves for the entire banking system and permits all the commercial banks to expand their credit together. Central banking works like a cozy compulsory bank cartel to expand the banks' liabilities; and the banks are now able to expand on a larger base of cash in the form of central bank notes as well as gold. So now we see, at last, that the business cycle is brought about, not by any mysterious failings of the free market economy, but quite the opposite: By systematic intervention by government in the market process. Government intervention brings about bank expansion and inflation, and, when the inflation comes to an end, the subsequent depression-adjustment comes into play. The Ricardian theory of the business cycle grasped the essentials of a correct cycle theory: The recurrent nature of the phases of the cycle, depression as adjustment intervention in the market rather than from the free-market economy. But two problems were as yet unexplained: Why the sudden cluster of business error, the sudden failure of the entrepreneurial function, and why the vastly greater fluctuations in the producers' goods than in the consumers' goods industries? The Ricardian theory only explained movements in the price level, in general business; there was no hint of explanation of the vastly different reactions in the capital and consumers' goods industries. The correct and fully developed theory of the business cycle was finally discovered and set forth by the Austrian economist Ludwig von Mises, when he was a professor at the University of Vienna. Mises developed hints of his solution to the vital problem of the business cycle in his monumental Theory of Money and Credit, published in 1912, and still, nearly 60 years later, the best book on the theory of money and banking. Mises developed his cycle theory during the 1920s, and it was brought to the English-speaking world by Mises's leading follower, Friedrich A. von Hayek, who came from Vienna to teach at the London School of Economics in the early 1930s, and who published, in German and in English, two books which applied and elaborated the Mises cycle theory: Monetary Theory and the Trade Cycle, and Prices and Production. Since Mises and Hayek were Austrians, and also since they were in the tradition of the great nineteenth-century Austrian economists, this theory has become known in the literature as the "Austrian" (or the "monetary over-investment") theory of the business cycle. Building on the Ricardians, on general "Austrian" theory, and on his own creative genius, Mises developed the following theory of the business cycle: Without bank credit expansion, supply and demand tend to be equilibrated through the free price system, and no cumulative booms or busts can then develop. But then government through its central bank stimulates bank credit expansion by expanding central bank liabilities and therefore the cash reserves of all the nation's commercial banks. The banks then proceed to expand credit and hence the nation's money supply in the form of check deposits. As the Ricardians saw, this expansion of bank money drives up the prices of goods and hence causes inflation. But, Mises showed, it does something else, and something even more sinister. Bank credit expansion, by pouring new loan funds into the business world, artificially lowers the rate of interest in the economy below its free market level. On the free and unhampered market, the interest rate is determined purely by the "time-preferences" of all the individuals that make up the market economy. For the essence of a loan is that a "present good" (money which can be used at present) is being exchanged for a "future good" (an IOU which can only be used at some point in the future). Since people always prefer money right now to the present prospect of getting the same amount of money some time in the future, the present good always commands a premium in the market over the future. This premium is the interest rate, and its height will vary according to the degree to which people prefer the present to the future, i.e., the degree of their time-preferences. People's time-preferences also determine the extent to which people will save and invest, as compared to how much they will consume. If people's time-preferences should fall, i.e., if their degree of preference for present over future falls, then people will tend to consume less now and save and invest more; at the same time, and for the same reason, the rate of interest, the rate of time-discount, will also fall. Economic growth comes about largely as the result of falling rates of time-preference, which lead to an increase in the proportion of saving and investment to consumption, and also to a falling rate of interest. But what happens when the rate of interest falls, not because of lower time-preferences and higher savings, but from government interference that promotes the expansion of bank credit? In other words, if the rate of interest falls artificially, due to intervention, rather than naturally, as a result of changes in the valuations and preferences of the consuming public? What happens is trouble. For businessmen, seeing the rate of interest fall, react as they always would and must to such a change of market signals: They invest more in capital and producers' goods. Investments, particularly in lengthy and time-consuming projects, which previously looked unprofitable now seem profitable, because of the fall of the interest charge. In short, businessmen react as they would react if savings had genuinely increased: They expand their investment in durable equipment, in capital goods, in industrial raw material, in construction as compared to their direct production of consumer goods. Businesses, in short, happily borrow the newly expanded bank money that is coming to them at cheaper rates; they use the money to invest in capital goods, and eventually this money gets paid out in higher rents to land, and higher wages to workers in the capital goods industries. The increased business demand bids up labor costs, but businesses think they can pay these higher costs because they have been fooled by the government-and-bank intervention in the loan market and its decisively important tampering with the interest-rate signal of the marketplace. The problem comes as soon as the workers and landlords – largely the former, since most gross business income is paid out in wages – begin to spend the new bank money that they have received in the form of higher wages. For the time-preferences of the public have not really gotten lower; the public doesn't want to save more than it has. So the workers set about to consume most of their new income, in short to reestablish the old consumer/saving proportions. This means that they redirect the spending back to the consumer goods industries, and they don't save and invest enough to buy the newly-produced machines, capital equipment, industrial raw materials, etc. This all reveals itself as a sudden sharp and continuing depression in the producers' goods industries. Once the consumers reestablished their desired consumption/investment proportions, it is thus revealed that business had invested too much in capital goods and had underinvested in consumer goods. Business had been seduced by the governmental tampering and artificial lowering of the rate of interest, and acted as if more savings were available to invest than were really there. As soon as the new bank money filtered through the system and the consumers reestablished their old proportions, it became clear that there were not enough savings to buy all the producers' goods, and that business had misinvested the limited savings available. Business had overinvested in capital goods and underinvested in consumer products. The inflationary boom thus leads to distortions of the pricing and production system. Prices of labor and raw materials in the capital goods industries had been bid up during the boom too high to be profitable once the consumers reassert their old consumption/investment preferences. The "depression" is then seen as the necessary and healthy phase by which the market economy sloughs off and liquidates the unsound, uneconomic investments of the boom, and reestablishes those proportions between consumption and investment that are truly desired by the consumers. The depression is the painful but necessary process by which the free market sloughs off the excesses and errors of the boom and reestablishes the market economy in its function of efficient service to the mass of consumers. Since prices of factors of production have been bid too high in the boom, this means that prices of labor and goods in these capital goods industries must be allowed to fall until proper market relations are resumed. Since the workers receive the increased money in the form of higher wages fairly rapidly, how is it that booms can go on for years without having their unsound investments revealed, their errors due to tampering with market signals become evident, and the depression-adjustment process begins its work? The answer is that booms would be very short lived if the bank credit expansion and subsequent pushing of the rate of interest below the free market level were a one-shot affair. But the point is that the credit expansion is not one-shot; it proceeds on and on, never giving consumers the chance to reestablish their preferred proportions of consumption and saving, never allowing the rise in costs in the capital goods industries to catch up to the inflationary rise in prices. Like the repeated doping of a horse, the boom is kept on its way and ahead of its inevitable comeuppance, by repeated doses of the stimulant of bank credit. It is only when bank credit expansion must finally stop, either because the banks are getting into a shaky condition or because the public begins to balk at the continuing inflation, that retribution finally catches up with the boom. As soon as credit expansion stops, then the piper must be paid, and the inevitable readjustments liquidate the unsound over-investments of the boom, with the reassertion of a greater proportionate emphasis on consumers' goods production. Thus, the Misesian theory of the business cycle accounts for all of our puzzles: The repeated and recurrent nature of the cycle, the massive cluster of entrepreneurial error, the far greater intensity of the boom and bust in the producers' goods industries. Mises, then, pinpoints the blame for the cycle on inflationary bank credit expansion propelled by the intervention of government and its central bank. What does Mises say should be done, say by government, once the depression arrives? What is the governmental role in the cure of depression? In the first place, government must cease inflating as soon as possible. It is true that this will, inevitably, bring the inflationary boom abruptly to an end, and commence the inevitable recession or depression. But the longer the government waits for this, the worse the necessary readjustments will have to be. The sooner the depression-readjustment is gotten over with, the better. This means, also, that the government must never try to prop up unsound business situations; it must never bail out or lend money to business firms in trouble. Doing this will simply prolong the agony and convert a sharp and quick depression phase into a lingering and chronic disease. The government must never try to prop up wage rates or prices of producers' goods; doing so will prolong and delay indefinitely the completion of the depression-adjustment process; it will cause indefinite and prolonged depression and mass unemployment in the vital capital goods industries. The government must not try to inflate again, in order to get out of the depression. For even if this reinflation succeeds, it will only sow greater trouble later on. The government must do nothing to encourage consumption, and it must not increase its own expenditures, for this will further increase the social consumption/investment ratio. In fact, cutting the government budget will improve the ratio. What the economy needs is not more consumption spending but more saving, in order to validate some of the excessive investments of the boom. Thus, what the government should do, according to the Misesian analysis of the depression, is absolutely nothing. It should, from the point of view of economic health and ending the depression as quickly as possible, maintain a strict hands off, "laissez-faire" policy. Anything it does will delay and obstruct the adjustment process of the market; the less it does, the more rapidly will the market adjustment process do its work, and sound economic recovery ensue. The Misesian prescription is thus the exact opposite of the Keynesian: It is for the government to keep absolute hands off the economy and to confine itself to stopping its own inflation and to cutting its own budget. It has today been completely forgotten, even among economists, that the Misesian explanation and analysis of the depression gained great headway precisely during the Great Depression of the 1930s – the very depression that is always held up to advocates of the free market economy as the greatest single and catastrophic failure of laissez-faire capitalism. It was no such thing. 1929 was made inevitable by the vast bank credit expansion throughout the Western world during the 1920s: A policy deliberately adopted by the Western governments, and most importantly by the Federal Reserve System in the United States. It was made possible by the failure of the Western world to return to a genuine gold standard after World War I, and thus allowing more room for inflationary policies by government. Everyone now thinks of President Coolidge as a believer in laissez-faire and an unhampered market economy; he was not, and tragically, nowhere less so than in the field of money and credit. Unfortunately, the sins and errors of the Coolidge intervention were laid to the door of a non-existent free market economy. If Coolidge made 1929 inevitable, it was President Hoover who prolonged and deepened the depression, transforming it from a typically sharp but swiftly-disappearing depression into a lingering and near-fatal malady, a malady "cured" only by the holocaust of World War II. Hoover, not Franklin Roosevelt, was the founder of the policy of the "New Deal": essentially the massive use of the State to do exactly what Misesian theory would most warn against – to prop up wage rates above their free-market levels, prop up prices, inflate credit, and lend money to shaky business positions. Roosevelt only advanced, to a greater degree, what Hoover had pioneered. The result for the first time in American history, was a nearly perpetual depression and nearly permanent mass unemployment. The Coolidge crisis had become the unprecedentedly prolonged Hoover-Roosevelt depression. Ludwig von Mises had predicted the depression during the heyday of the great boom of the 1920s – a time, just like today, when economists and politicians, armed with a "new economics" of perpetual inflation, and with new "tools" provided by the Federal Reserve System, proclaimed a perpetual "New Era" of permanent prosperity guaranteed by our wise economic doctors in Washington. Ludwig von Mises, alone armed with a correct theory of the business cycle, was one of the very few economists to predict the Great Depression, and hence the economic world was forced to listen to him with respect. F. A. Hayek spread the word in England, and the younger English economists were all, in the early 1930s, beginning to adopt the Misesian cycle theory for their analysis of the depression – and also to adopt, of course, the strictly free-market policy prescription that flowed with this theory. Unfortunately, economists have now adopted the historical notion of Lord Keynes: That no "classical economists" had a theory of the business cycle until Keynes came along in 1936. There was a theory of the depression; it was the classical economic tradition; its prescription was strict hard money and laissez-faire; and it was rapidly being adopted, in England and even in the United States, as the accepted theory of the business cycle. (A particular irony is that the major "Austrian" proponent in the United States in the early and mid-1930s was none other than Professor Alvin Hansen, very soon to make his mark as the outstanding Keynesian disciple in this country.) What swamped the growing acceptance of Misesian cycle theory was simply the "Keynesian Revolution" – the amazing sweep that Keynesian theory made of the economic world shortly after the publication of the General Theory in 1936. It is not that Misesian theory was refuted successfully; it was just forgotten in the rush to climb on the suddenly fashionable Keynesian bandwagon. Some of the leading adherents of the Mises theory – who clearly knew better – succumbed to the newly established winds of doctrine, and won leading American university posts as a consequence. But now the once arch-Keynesian London Economist has recently proclaimed that "Keynes is Dead." After over a decade of facing trenchant theoretical critiques and refutation by stubborn economic facts, the Keynesians are now in general and massive retreat. Once again, the money supply and bank credit are being grudgingly acknowledged to play a leading role in the cycle. The time is ripe – for a rediscovery, a renaissance, of the Mises theory of the business cycle. It can come none too soon; if it ever does, the whole concept of a Council of Economic Advisors would be swept away, and we would see a massive retreat of government from the economic sphere. But for all this to happen, the world of economics, and the public at large, must be made aware of the existence of an explanation of the business cycle that has lain neglected on the shelf for all too many tragic years. This essay was originally published as a minibook by the Constitutional Alliance of Lansing, Michigan, 1969. Murray N. Rothbard (1926–1995) was the author of Man, Economy, and State, Conceived in Liberty, What Has Government Done to Our Money, For a New Liberty, The Case Against the Fed, and many other books and articles. He was also the editor – with Lew Rockwell – of The Rothbard-Rockwell Report, and academic vice president of the Ludwig von Mises Institute. Copyright © 2008 Ludwig von Mises Institute All rights reserved. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 8:05 AM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

66. The Late, Great Dr. Norman Vincent Peale on Dealing with Discouragement
Click on the above link to hear Dr. Peale's classic sermon!

67. Who Shot General Motors?
Here is an interesting op-ed piece from the New York Times concerning the continuing decline of the the American automobile industry. "Legacy costs" including the expenses borne by these employers for private health insurance have added about 1600 dollars to the price of a new car. We've all heard about stories about planned obsolescence something which GM imposed on the rest of the industry from the post world war two period onwards ... or Chrysler's decades of research into automotive gas turbines abandoned in part due to the faustian "bargain" made with the federal government in the well-known eighties bailout. WHO shot General Motors? The company’s stock is at its lowest level in 50 years, and its market valuation has plunged to $5.9 billion, less than that of the Hershey candy-bar company. The automaker is weighing yet another round of layoffs — and maybe even a fire sale of venerable brands like Buick and Pontiac. General Motors once manufactured half the cars on the American road, but now it sells barely 2 in 10. Bankruptcy is not unthinkable for Detroit’s former king. The immediate cause of G.M.’s distress, of course, is the surging price of oil, which has put a chill on the sale of gas-guzzling sport utility vehicles and trucks. The company’s failure to invest early enough in hybrids is another culprit. Years of poor car design is another. But none of G.M.’s management miscues was so damaging to its long-term fate as the rich pensions and health care that robbed General Motors of its financial flexibility and, ultimately, of its cash. General Motors established its pension in the “treaty of Detroit,” the five-year contract that it signed with the United Automobile Workers in 1950 that also provided health insurance and other benefits for the company’s workers. Walter Reuther, the union’s captain, would have preferred that the government provide pensions and health care to all citizens. He urged the automakers to “go down to Washington and fight with us” for federal benefits. But the automakers wanted no part of socialized care. They seemed not to notice, as a union expert wrote, that if Washington didn’t provide social insurance it would be “sought from employers across the collective bargaining table.” Detroit was too flush to envision that it would ever face a financial strain. Ford and Chrysler signed identical pacts with labor, so all three automakers were able to pass on their costs to customers. Besides, the industry’s work force was so young that few workers would be collecting a pension any time soon. But pension commitments last forever. They far outlived Detroit’s prosperity. General Motors got into the dubious habit of steadily increasing worker benefits. In 1961, G.M. was able to get away with a skimpy 2.5 percent increase in wages by also guaranteeing a 12 percent rise in pensions. Such promises significantly burdened the company’s future. As workers lived longer, the cost of fulfilling pension commitments rose. And health care costs exploded. By the 1980s, it was clear that the Big Three automakers faced a serious threat from Japan. But General Motors and the U.A.W. were locked in a mutually destructive embrace. G.M., fearing the short-term consequences of a strike, continued to grant large increases in benefits — creating an intolerable gap between its costs and those of its foreign competitors. Union officials feared to face the rank and file without a big contract. In the ’90s, the consequences of maintaining a corporate welfare state became too obvious to ignore. In that decade, General Motors poured tens of billions of dollars into its pension fund — an irretrievable loss of opportunity. What else might G.M. have accomplished with that money? It could have designed new cars or researched alternative fuels. Or it could have acquired half of Toyota — a company that the stock market now values at close to $150 billion. G.M. acknowledged in its most recent annual report that from 1993 to 2007 it spent $103 billion “to fund legacy pensions and retiree health care — an average of about $7 billion a year — a dramatic competitive and cash-flow disadvantage.” During those 15 years, G.M. paid only $13 billion or so in shareholder dividends. The company has been sending far more money to its retirees than to its owners. After falling $20 billion behind on its pension earlier this decade, G.M. doggedly put money into its plan to catch up. It has also agreed to invest more than $30 billion in a fund to cover future health-care expenses. But these efforts have starved its business. The sorry decline of General Motors has proved Reuther right: the government is the better provider of social insurance. Let industry worry about selling products. Unhappily, however, the fate of many public-sector pension plans is even worse than G.M.’s. Responding to the same temptation to offload expenses into the future, public employers have committed to trillions of dollars in future liabilities. In New Jersey, a huge pension liability has created a budgetary nightmare for the state. The city of Vallejo, Calif., burdened by police pensions, recently filed for bankruptcy. Just as G.M.’s shareholders bore the burdens of its pensions, states and cities will have to force taxpayers to sacrifice in the form of service cuts, tax increases or both. It is too late to restore G.M. to its former grandeur. But if public officials do not show courage by quickly funding the pensions they have promised to their workers, taxpayers will soon find themselves in an even worse crisis than the one G.M.’s shareholders are facing now. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! 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68. The Dangers of Inflation: 150 Billion for a Beer?
An economist warns of the dangers of inflation: http://www.independent.org/blog/?p=134 By David Theroux on Jul 16, 2008 To fund his gangster regime, Marxist Robert Mugabe’s government may be breaking all known records for hyperinflation. Recently “elected” President of Zimbabwe through a campaign of bombings, murders, rapes, torture and repression to destroy his political opposition, Mugabe has financed his regime of terror and oppression by wildly printing new money to fund the police, military and intelligence branches. While at Independence in 1980 the Zimbabwe dollar was worth $1.25 (U.S.), as the Los Angeles Times reports, rampant inflation has resulted as Fidelity Printers & Refiners, the state-owned company, “tirelessly churns out bank notes for the Robert Mugabe government”: As hyperinflation spiraled last year, Fidelity printed million-dollar notes, then 5 million, 10 million, 25 million, 50 million. This year, it has been forced to print 100 million, 250 million and 500 million notes in rapid succession, all now practically worthless. The highest denomination is now 50 billion Zimbabwean dollars (worth 1 U.S. dollar on the street). . . . Before the crunch, a beer at a bar in Harare, the capital, cost 15 billion Zimbabwean dollars. At 5 p.m. July 4, it cost 100 billion ($4 at the time) in the same bar. An hour later, the price had gone up to 150 billion ($6). But now, Mugabe’s government is facing a massive cash crisis . . . after a German company stopped supplying bank note paper because of concerns over Zimbabwe’s recent violent presidential election, widely seen as fraudulent by international observers. The printing operation drastically slowed. Two-thirds of the 1,000-strong workforce was ordered to take a leave, and two of the three money-printing shifts were canceled. The result on the street was an immediate cash crunch. But that is not all: “If you think this currency shortage is bad, wait two weeks. By then, it will be a disaster,” said a senior Fidelity staffer, who spoke on condition of anonymity because he would face dismissal and possible violence for talking to a Western journalist. The paper will run out in two weeks, he said. In the modern world, most governments have long adopted policies of monetary monopoly, and the current Zimbabwean monetary disaster is reminiscent of the government-created hyperflations in Germany (1923), China (1948-49), Argentina (1979-83), Brazil (1986-94), Greece (1944), Hungary (1945-46), Bosnia-Herzegovina (1993), Nicaragua (1987-90), Angola (1991-95), Peru (1984-90), etc. As with Zimbabwe, such financial disasters are generally associated with wars (or their aftermath) and political or social upheavals that are ruinous to the citizenry. With such a track record, why should people be forced to accept monetary monopoly that is inflating at all, and certainly one that becomes more worthless with each passing hour? And with the dollar the world’s reserve currency, what kind of inflationary pressures are the Federal Reserve’s responses to the enormity of U.S. government debt and the insolvency of banks today in the U.S. leading us into? In addition, if a massive shortage of monopoly currency suddenly occurs, as in Zimbabwe, then what? Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 3:50 PM Labels: make money online internet marketing working at home health and dental plan dental benefits business financial stock investor opportunity home business network marketing make money blogging

69. Concern Grows Over a Fiscal Crisis for the U.S.
Is there economic relief on the horizon? Things aren't looking so good. That's why you need to think that much harder about your future economic security. http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2008/07/17/MN8Q11OT2M.DTL As the Bush administration proposes backstopping mortgage giants Fannie Mae and Freddie Mac with a $300 billion line of credit and Congress contemplates another economic stimulus, the question is who will bail out the government? "People seem to think the government has money," said former U.S. Comptroller General David Walker. "The government doesn't have any money." A rare consensus has developed across the political spectrum that the government's own fiscal affairs are precarious, with an astonishing $53 trillion in long-term liabilities, according to the Government Accountability Office. To put that number in human terms, the debt has reached $455,000 per U.S. household. As that debt grows, the United States increasingly relies on foreigners, including China and Middle East oil producers, for financing. "The factors that contributed to our mortgage-based subprime crisis exist with regard to our federal government's finances," said Walker, now head of the Peter G. Peterson Foundation, a group established to raise alarms about the nation's budget. "The difference is that the magnitude of the federal government's financial situation is at least 25 times greater." Baby Boomers This year's presidential election coincides with the first retirements of the 78 million people born between 1946 and 1964. The first of this Baby Boom generation may now collect Social Security. In three years, they will join Medicare, the giant health care program whose finances are commonly described as out of control. Medicare accounts for the bulk of the nation's long-term liabilities. The presidential candidates, Republican John McCain and Democrat Barack Obama, have not addressed what the aging of the Baby Boom generation means for the federal government. Their brief forays - Obama's suggestions to raise the payroll tax on high-income earners to buttress Social Security and McCain's description of Social Security's financing as a disgrace - have been met with furious attacks. Both promise to spend hundreds of billions of dollars on new tax cuts and spending programs. Their health care proposals concentrate more on expanding access than controlling the soaring costs that are driving the federal budget problems and squeezing workers and businesses. Health care costs "Health care costs are just amazing," said John Shoven, director of Stanford University's Institute for Economic Policy Research. Total health care costs now consume 16 percent of the economy and are headed quickly toward 30 percent, Shoven said. "Social Security is a big problem, but it's dwarfed by health care. Even the housing problem is dwarfed by health care." Just the built-in rise in spending on programs for the elderly will cost about 25 percent of workers' payrolls over the next generation, said Richard Jackson, director of the Global Aging Initiative at the Center for Strategic and International Studies. Robert Greenstein, director of the liberal Center on Budget and Policy Priorities, agreed that "the nation faces large, persistent, long-term deficits that ultimately risk damage to the economy. We agree that policymakers have to make tough choices soon." There is consensus, too, on what needs to be done: Cut spending and raise taxes. A bigger problem is how to contain health care costs, but some form of rationing is necessary, experts said. Only disagreement The only real disagreement is whether the government's fiscal condition will lead to a financial meltdown, or whether the U.S. economy is strong enough to right itself without a sudden loss of confidence and a flight of foreign capital. "People on Wall Street think I'm Dr. Doom & Gloom," said Kent Smetters, an economist at the Wharton School of Business at the University of Pennsylvania and a former Bush Treasury official. "I believe we could have a financial crisis like we've seen in South America or Asia. It could easily happen, and under current policy will happen in the United States. People say, 'Gee, give me a date.' Obviously, that's impossible, but the longer we wait, the higher the probability. Could it happen in the next decade? Absolutely." Alice Rivlin, budget chief in the Clinton administration, discounts the possibility. "We're a much stronger economy than Argentina," Rivlin said. The government "can handle borrowing in the range that would be necessary in a recession," she said. "What we can't handle is the cumulative long-run obligation." Financial markets are often fixated on the short-run, and the government's finances are far from transparent. Unlike corporations, the government is not required to state its long-term obligations. Crises of confidence, like today's banking problems, strike suddenly when a tipping point is reached and investors decide to flee. The government's fiscal problems are "like termites in the house," said Jackson. "You don't notice it until foundations are eroded." "I had such a frustrating meeting the other day on the Hill, where one staffer said, 'We don't have a problem until Wall Street tells us we have a problem,' " said Maya MacGuineas, head of fiscal policy at the nonpartisan New America Foundation. "By the time the financial markets tell us we've gone too far, it will be too late to fix this in any rational way. We are the toad in boiling water, where it's getting hotter and hotter and nobody's really noticing." Will they still buy? The key is whether foreigners will continue to buy U.S. debt. They now hold 45 percent of U.S. Treasury securities, and in all about $11.5 trillion of U.S. public and private debt, say UC Berkeley economists Ashok Bardhan and Dwight Jaffee. Chinese entities, including sovereign wealth funds that invest government savings overseas, own about 10 percent of U.S. Treasury securities. Even a minor change in China's investment policy could have a major effect on the dollar's value and cause "a sizable increase in interest rates," the economists said. Still, because of a shortage of creditworthy debt instruments worldwide, and the large role of U.S. institutions in global credit markets, foreigners have little choice but to invest in the United States, they said, predicting "slim chances of abrupt change." Action needed soon Whoever's right, all agree that the sooner the problem is tackled, the better. "Like almost any financial problem, if you don't work on it, what happens is it compounds with interest," Shoven said. "There are lots of ways to fix it, and what we pick is none of the above." The staggering U.S. debt The federal government's finances are in worse shape than its annual budgets show, because the government is not required to state its long-term obligations, which work out be about $455,000 for every household in the nation. Breaking down the numbers Current liability: Social Security: $6.7 trillion Medicare: $34.1 trillion Total long-term government liability: $53 trillion Source: Government Accountability Office, Long-term Fiscal Outlook, Jan. 2008 Where it goes U.S. debt held by foreigners as of mid-2007: -- Foreign holdings of U.S. equities: $5 trillion -- Foreign holdings of U.S. corporate bonds: $3 trillion -- Foreign holdings of U.S. Treasury securities: $2 trillion -- Foreign share of U.S. Treasury securities: 45 percent. Source: UC Berkeley economists Ashok Bardhan and Dwight Jaffee, YaleGlobal online, April 2008 E-mail Carolyn Lochhead at clochhead@sfchronicle.com. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! 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70. Dental Care is Just Too Expensive...You Need Assistance!
In the Spring of 1999, I went to the dentist and was informed I needed THREE ROOT CANALS and crowns. The problem was, like two hundred million other Americans, I had no dental plan, so I had to pay out-of-pocket to the tune of $4500. That's not an experience I wish to repeat and it's one reason why I was originally so strongly attracted to what Ameriplan has to offer. Ameriplan is not insurance. It's simply a very straight forward discount plan that helps you and me save up to 80% on dental care! I know it works because I've been using it myself for a number of years now. Even if I pay the difference out of pocket, I still usually pay only a third to one half of what I used to pay when I had no dental plan. SOMETIMES I PAY EVEN LESS. I saw what a wonderful opportunity and fantastic service Ameriplan had to offer. That's why I decided to become an Ameriplan distributor. For goodness sakes, don't wait another day. Sign up for Ameriplan's phenomenal benefits RIGHT NOW! Dental Benefits Are Wonderful! Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 2:04 PM Labels: make money online internet marketing working at home healthandentalplan dental benefits business financial stock investor opportunity

71. Cops to IndyMac customers: Remain calm or face arrest
Daily News Wire Services Article Last Updated: 07/15/2008 09:25:40 AM PDT Police ordered angry customers lined up outside an IndyMac Bank branch to remain calm or face arrest Tuesday as they tried to pull their money on the second day of the failed institution's federal takeover. At least three police squad cars showed up early Tuesday as tensions rose outside the San Fernando Valley branch of Pasadena-based IndyMac. Federal regulators seized Pasadena-based IndyMac on Friday and reopened the bank Monday under the control of the Federal Deposit Insurance Corporation. Deposits to $100,000 are fully insured by the FDIC. Worried customers with deposits in excess of insured limits flooded IndyMac Bank branches on Monday, demanding to withdraw as much money as they could or get answers about the fate of their funds. When it was clear some wouldn't get in before closing, FDIC employees apparently took down names and told them to return Tuesday. Other customers began lining up at 1:30 a.m. Tuesday, and by dawn, tensions escalated because people on the list were getting priority. By 8 a.m., about 50 people on the list waited in one line and many more waited in another. Five people were allowed in at a time. Customers became infuriated, and police told them they could be arrested if they didn't remain calm. Police stood by at some other branches around Southern California but there were no other reports of problems. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:58 PM Labels: make money online internet marketing working at home healthandentalplan dental benefits business financial stock investor opportunity

72. Death Tax Could Kill Off Rooney Owership of the Pittsburgh Steelers
http://online.wsj.com/article/SB121617415128956849.html?mod=djemEditorialPage Pittsburgh Stealers July 16, 2008; Page A16 The citizens of Pittsburgh are getting an unpleasant lesson in the consequences of punitive taxation, courtesy of their beloved NFL franchise. Inside the Pittsburgh Steeler boardroom, a fraternal squabble is under way over future ownership—thanks in part to a sacking from the realities of estate and capital gains taxes. One of the league's iconic teams, the Steelers have been owned by the Rooney family since 1933. The five sons of the original owner, Art Rooney, control 80%—and they are getting into their 70s. With the team's value estimated at $700 million or more, the 45% federal death tax rate could put each brother on the hook to the IRS for tens of millions of dollars. That may be more than they can afford. NFL franchises have appreciated quickly in the past decade, and the more a franchise goes up in value, the greater the challenge for estate planning. While a given brother's share of the team may be worth more than $100 million on paper, that doesn't mean he or his heirs have half again that much in cash to fork over to the IRS. Daniel Rooney, the eldest brother who runs the team, is offering to buy his four brothers out of their shares. He has said he will do "everything possible to ensure my father's legacy" and keep the team in family hands, and in Pittsburgh. Good luck to him. Challenging Mr. Rooney's offer to buy about a third of each of his brothers' stakes now with more down the road is hedge-fund billionaire Stanley Druckenmiller, a man with considerably deeper pockets. Adding urgency to the Pittsburgh transaction is the prospect of a Democratic President in 2009 who opposes repeal of the death tax and wants to raise the tax rate for capital gains. Barack Obama has promised to raise the rate from 15% to at least 25%, and perhaps the Clinton-era peak of 28%. The artificial timeline adds appeal to a buyer like Mr. Druckenmiller who has the dough to complete a transaction before the end of this year. As for the death tax, it is now on track to expire for one year, in 2010, and then revert to its pre-2003 terms with a rate of 55% and an exclusion of only $1 million. The current exclusion is $2 million, far below a level that would help the Rooneys or tens of thousands of small business owners who have built something of value over a lifetime and might like to pass it along to their heirs. Mr. Obama proposes a meager $3.5 million exclusion with a top rate of 45%. The role of taxes in separating families from their businesses doesn't seem to bother many in Washington—where politicians are usually happy to sound off on lesser injustices. The bid for family-run Anheuser-Busch from European brewer InBev brought a storm of political indignation, though the Busch family owns a less-than 4% stake and the AB board has since agreed to a takeover. Of course, the estate tax is also what has forced the sale of so many family-owned local newspapers to the "media giants" that liberals who love the estate tax now deplore. Those rare papers that are still family owned know the death tax is a threat to their longevity. Seattle Times owner Frank Blethen has made the issue a personal crusade as his paper competes with the Hearst-owned Post-Intelligencer (which unsurprisingly favors the estate tax in editorials). When taxes force a family to sell a business, the losers are often the community as much as the next generation, as teams leave and neighborhood fixtures fade away. Mr. Obama is planning to accept his nomination for President in the football stadium of the Denver Broncos in August. The irony will be noted in Pittsburgh, which may lose the Steelers thanks to a tax regime that forces thousands of American families to sell their businesses. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:51 PM 0 comments Labels: make money online internet marketing working at home healthandentalplan dental benefits business financial stock investor opportunity

73. Byrd Baggett-The Power of Attitude
Click on the above link to hear this inspirational message.

74. World's Largest Mortage Companies Headed for Collapse
Stories about the international stock market collapse are becoming a daily occurrence. Read any of the major financial websites or watch Business Network News on cable and the word from "the street(s)" just keeps getting worse. As in the past small investors are getting wiped out first. In China approximately two trillion dollars (that's 2 x 1012) has disappeared from market valuations in one year. About a quarter of that went down last Thursday in the form of A-share capitalization. Total losses amount to about 56 percent of the entire Chinese GDP. A survey sponsored jointly by Chinese state television and various local websites had received questionnaires from 764,588 investors by 11 a.m. on June 18. The results indicate that 92.5 percent of the investors suffer from losses, 4.3 percent make a profit, and 3.2 percent can break even. Among the investors who lost money this equals on average more than 50 percent of their financial assets. The following item from the UK Independent concerns another American bank collapse and the possibility of another bailout for the "private/public" mortgage firms nicknamed Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Mortgage Corporation). America's regulators were last night shoring up the country's financial defences, after one of the biggest bank failures in US history sparked fears about the viability of the world's largest mortgage providers. The Northern Rock-style collapse of California's Indymac Bank, which had assets of $32bn (£16bn), came amid speculation that regulators are also preparing to step in to save the two federally-backed finance houses known as Fannie Mae and Freddie Mac, which together have commitments of $5 trillion, amounting to half of America's mortgage book. Government officials closed down Indymac late on Friday, citing a massive run on deposits by worried customers. All 33 branches of the Pasadena-based bank closed three hours early, locking out hundreds of jittery investors hoping to withdraw their savings before it went under. Amid chaotic and often angry scenes, it emerged that Indymac will reopen tomorrow as Indymac Federal Bank. According to a two-page notice taped to branch doors, it had been in an "unsafe and unsound condition" and was unable to meet continued demand by customers for their deposits. The Federal Deposit Insurance Corporation, a government regulator, will guarantee all deposits of up to $100,000 – a commitment that may nonetheless leave more than 10,000 savers out of pocket Indymac, known ironically as a "thrift" bank, becomes the second-largest savings firm in US history to go under, after the Continental Illinois National Bank and Trust Company, which collapsed in 1984. The latest failure was caused by massive losses in the so-called "foreclosure crisis", which has seen huge numbers of property owners defaulting on mortgages taken out at the height of the property bubble. Many sub-prime borrowers unable to meet their mortgage payments had their homes reclaimed by the banks, who sold them off to the highest bidder. When the housing market was rising, this allowed banks to recoup their losses. But with house prices now down between a quarter and a third from their peak – and still falling as the market becomes flooded by bank-owned properties – the markets are not far from full-scale panic. The growing crisis is threatening to engulf Freddie Mac and Fannie Mae, both of which halved in value in two days at the end of last week. This sparked rumours that Federal Reserve officials – whose rescue of Bear Stearns earlier in the credit crisis was announced on a Sunday – would undertake a similar operation this weekend. Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:01 PM Labels: make money online internet marketing working at home healthandentalplan dental benefits

75. The Secret Behind the Law of Attraction
Click on the above line to watch the video!

76. What If You Could Fire Your Boss?
Now you can! Just click on this link and watch the video: http://www.deliveringonthepromise.com/40211752 And then give me a call at 804-355-7161. You're not phone shy, are you? Make Money Online Internet Marketing While Working at Home! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Health and Dental Plan at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 10:59 AM Labels: make money online internet marketing working at home healthandentalplan dental benefits

77. New York Times Examines Access to Dental Care in America
This article shows why an inexpensive but comprehensive dental plan is needed now more that ever: http://www.medicalnewstoday.com/articles/22754.php Fortunately, I have the plan that can help people like those described in this article meet their dental needs. Check it out: http://dentalbenefitsarewonderful.com The New York Times on Tuesday examined how low-income and minority U.S. residents lack access to dental coverage and services. A report issued by the surgeon general in 2000 called dental and oral diseases a "silent epidemic," detailing significant oral health problems affecting the low-income population, racial and ethnic minorities, people with disabilities and residents of rural areas. The report stated that the primary factors causing dental problems were the lack of community fluoridation programs, lack of transportation to dental providers and low rates of dental coverage. Since the report, dental care has not improved and could be getting worse, according to dental experts, the Times reports. Within the last 15 years, seven dental schools have closed -- leaving 56 in the United States -- and the number of dentists retiring continues to exceed the number of graduating dentists by at least 2,000, according to Jerry Harrison, executive director of New Mexico Health Resources, whose main focus is on recruiting health providers to the state. In addition, the number of minority dentists is on the decline, and some estimates have found that half of cavities in African-American children are not seen by dentists, the Times reports. "The real issue is poverty," Harrison said, adding, "Less than 50% of Americans have dental insurance, and the working poor can't afford to see dentists or bring their kids" (Daitz, New York Times, 4/12). "Reprinted with permission from kaisernetwork.org kaisernetwork.org. You can view the entire Kaiser Daily Health Policy Report, search the archives, or sign up for email delivery at http://www.kaisernetwork.org/dailyreports/healthpolicy. The Kaiser Daily Health Policy Report is published for kaisernetwork.org, a free service of The Henry J. Kaiser Family Foundation . � 2005 Advisory Board Company and Kaiser Family Foundation. All rights reserved. Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 12:10 PM

78. A Work Force Betrayed
Dr. Paul Craig Roberts, an economist who was a leading theoretician of so-called "supply side" economics and a former Assistant Secretary of the Treasury for President Ronald Reagan, has interesting new column about the rather depressing state of the economy and a future that's not looking particularly bright. http://www.vdare.com/roberts/080709_economy.htm July 09, 2008 A Work Force Betrayed By Paul Craig Roberts The collapse of world socialism, the rise of the high speed Internet, a bought-and-paid-for US government, and a million dollar cap on executive pay that is not performance related are permitting greedy and disloyal corporate executives, Wall Street, and large retailers to dismantle the ladders of upward mobility that made America an "opportunity society." In the 21st century the US economy has been able to create net new jobs only in nontradable domestic services, such as waitresses, bartenders, government workers, hospital orderlies, and retail clerks. (Nontradable services are "hands on" services that cannot be sold as exports, such as haircuts, waiting a table, fixing a drink.) Corporations can boost their bottom lines, shareholder returns, and executive performance bonuses by arbitraging labor across national boundaries. High value-added jobs in manufacturing and in tradable services can be relocated from developed countries to developing countries where wages and salaries are much lower. In the United States, the high value-added jobs that remain are increasingly filled by lower paid foreigners brought in on work visas. When manufacturing jobs began leaving the US, no-think economists gave their assurances that this was a good thing. Grimy jobs that required little education would be replaced with new high tech service jobs requiring university degrees. The American work force would be elevated. The US would do the innovating, design, engineering, financing and marketing, and poor countries such as China would manufacture the goods that Americans invented. High-tech services were touted as the new source of value-added that would keep the American economy preeminent in the world. The assurances that economists gave made no sense. If it pays corporations to ship out high value-added manufacturing jobs, it pays them to ship out high value-added service jobs. And that is exactly what US corporations have done. Automobile magazine (August 2008) reports that last March Chrysler closed its Pacifica Advance Product Design Center in Southern California. Pacifica’s demise followed closings and downsizings of Southern California design studios by Italdesign, ASC, Porsche, Nissan, and Volvo. Only three of GM’s eleven design studios remain in the US. According to Eric Noble, president of The Car Lab, an automotive consultancy, "Advanced studios want to be where the new frontier is. So in China, studios are popping up like rabbits." The idea is nonsensical that the US can remain the font of research, innovation, design, and engineering while the country ceases to make things. Research and product development invariably follow manufacturing. Now even business schools that were cheerleaders for offshoring of US jobs are beginning to wise up. In a recent report, "Next Generation Offshoring: The Globalization of Innovation," [PDF]Duke University’s Fuqua School of Business finds that product development is moving to China to support the manufacturing operations that have located there. The study, reported in Manufacturing & Technology News, acknowledges that "labor arbitrage strategies continue to be key drivers of offshoring," a conclusion that I reached a number of years ago. Moreover, the study concludes, jobs offshoring is no longer mainly associated with locating IT services and call centers in low wage countries. Jobs offshoring has reached maturity, "and now the growth is centered around product and process innovation." According to the Fuqua School of Business report, in just one year, from 2005 to 2006, offshoring of product development jobs increased from an already significant base by 40 to 50 percent. Over the next one and one-half to three years, "growth in offshoring of product development projects is forecast to increase by 65 percent for R&D and by more than 80 percent for engineering services and product design-projects." More than half of US companies are now engaged in jobs offshoring, and the practice is no longer confined to large corporations. Small companies have discovered that "offshoring of innovation projects can significantly leverage limited investment dollars." It turns out that product development, which was to be America’s replacement for manufacturing jobs, is the second largest business function that is offshored. According to the report, the offshoring of finance, accounting, and human resource jobs is increasing at a 35 percent annual rate. The study observes that "the high growth rates for the offshoring of core functions of value creation is a remarkable development." In brief, the United States is losing its economy. However, a business school cannot go so far as to admit that, because its financing is dependent on outside sources that engage in offshoring. Instead, the study claims, absurdly, that the massive movement of jobs abroad that the study reports are causing no job loss in the US: "Contrary to various claims, fears about loss of high-skill jobs in engineering and science are unfounded." The study then contradicts this claim by reporting that as more scientists and engineers are hired abroad, "fewer jobs are being eliminated onshore." Since 2005, the study reports, there has been a 48 percent drop in the onshore jobs losses caused by offshore projects. One wonders at the competence of the Fuqua School of Business. If a 40-50 percent increase in offshored product development jobs, a 65 percent increase in offshored R&D jobs, and a more than 80 percent increase in offshored engineering services and product design-projects jobs do not constitute US job loss, what does? Academia’s lack of independent financing means that its researchers can only tell the facts by denying them. The study adds more cover for corporate America’s rear end by repeating the false assertion that US firms are moving jobs offshore because of a shortage of scientists and engineers in America. A correct statement would be that the offshoring of science, engineering and professional service jobs is causing fewer American students to pursue these occupations, which formerly comprised broad ladders of upward mobility. The Bureau of Labor Statistics’ nonfarm payroll jobs statistics show no sign of job growth in these careers. The best that can be surmised is that there are replacement jobs as people retire. The offshoring of the US economy is destroying the dollar’s role as reserve currency, a role that is the source of American power and influence. The US trade deficit resulting from offshored US goods and services is too massive to be sustainable. Already the once all-mighty dollar has lost enormous purchasing power against oil, gold, and other currencies. In the 21st century, the American people have been placed on a path that can only end in a substantial reduction in US living standards for every American except the corporate elite, who earn tens of millions of dollars in bonuses by excluding Americans from the production of the goods and services that they consume. What can be done? The US economy has been seriously undermined by offshoring. The damage might not be reparable. Possibly, the American market and living standards could be rescued by tariffs that offset the lower labor and compliance costs abroad. Another alternative, suggested by Ralph Gomory, would be to tax US corporations on the basis of the percentage of their value added that occurs in the US. The greater the value added to a company’s product in America, the lower the tax rate on the profits. These sensible suggestions will be demonized by ideological "free market" economists and opposed by the offshoring corporations, whose swollen profits allow them to hire "free market" economists as shills and to elect representatives to serve their interests. The current recession with its layoffs will mask the continuing deterioration in employment and career outlooks for American university graduates. The highly skilled US work force is being gradually transformed into the domestic service workforce characteristic of third world economies. Paul Craig Roberts was Assistant Secretary of the Treasury during President Reagan’s first term. He was Associate Editor of the Wall Street Journal. He has held numerous academic appointments, including the William E. Simon Chair, Center for Strategic and International Studies, Georgetown University, and Senior Research Fellow, Hoover Institution, Stanford University. He was awarded the Legion of Honor by French President Francois Mitterrand. He is the author of Supply-Side Revolution : An Insider's Account of Policymaking in Washington; Alienation and the Soviet Economy and Meltdown: Inside the Soviet Economy, and is the co-author with Lawrence M. Stratton of The Tyranny of Good Intentions : How Prosecutors and Bureaucrats Are Trampling the Constitution in the Name of Justice. Click here for Peter Brimelow’s Forbes Magazine interview with Roberts about the recent epidemic of prosecutorial misconduct. Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 10:30 AM

79. The World's Only Self Replicating Search Directory delivering astonishing leads and results!
WebCatch is absolutally free to subscribe to. No strings attached. Free for life! Join the masses and see real results! WebCatch is a real lead generation system, for real people who are serious about online marketing. The results speak for themselves and come as a result of years of back end technological development. However, this system has been built so that even the computer novice can appreciate its simplicity. You are mere seconds away from having your very own WebCatch Directory. The sign up process is straightforward and painless - and most importantly it is totally free. There is no cost associated with this system whatsoever - now or in the future. By simply using this system to generate a huge database of leads that you can market to, you will simultaneously be helping to build the WebCatch Directory along with thousands of other subscribers just like you. Don't wait another minute! Sign-up right now for free by clicking the link below. You'll need to fill out a very short form, then verify your email address. Seconds later you'll have your very own Yahoo! style web directory. Enjoy! http://povertyisnofun.webcatch.net/ Email: povertyisnofun@veretekk.com Name: Troy K Preston Phone: 804-355-7161 Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:31 PM

80. Get Your Very Own Free Website Tracking System!
This is an incredible system that anyone with a website needs to have. VereTracking offers you a complete statistical tracking package with the flexibility to track as many or few websites, webpages, and/or marketing emails as you want! Feel free to explore this site - and remember... it is totally Free too! VereTracking is an awesome webmaster tool that allows you full website monitoring and statistics - for absolutely free! A tracking tool like this anywhere else would cost upwards of $50/month. It comes with no popups, spyware, trojan horses etc. No bothersome banner ads either. Veretracking let's you create an unlimited number of small code snippets that when placed on your websites or in your email provides you complete traffic statistics! Comprehensive Website Statistics: VereTracking is the real deal... and will always remain a free service. The system allows you to track an unlimited number of webpages and/or emails to evaluate the traffic they receive. Some of the numerous statistics you will receive through text and bar graphs include: Date/time of the page visit Duration of the visit Referring page Web browser type Hostname - name and IP address There are also a wide range of cumulative reports for things like: Total site connections Most accessed page More referred page Most used browser Most IP connections from Busiest of all days Average busiest day of the week Average busiest day of the month Average busiest hour of the day Feel free to browse the following sample report screens which will give you an idea as to the depth and value of the system: Just go to the website address below.... Go to http://povertyisnofun.veretracking.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:27 PM

81. Veremail™ - The Leader in Automated Email Marketing!
Unlimited Autoresponders, Follow-up Emails, Email Broadcasting, and Live Customer Support from the Industry Leader since 1993! Professional studies have found that it takes 5-7 or more advertizing exposuresbefore a prospect will actually make a purchase. With Veremail's unlimited autoresponders and unlimited follow up email system, your opt-in prospects will automatically receive your message 5-7 times (or more) over a period of days, weeks, and months when they request information from you. Veremail will save you time and money, but also increase your sales conversion rate, maximize your marketing efforts, keep you organized, and increase your profits. Most importantly, Veremail allows you to build a sphere of influence passively by consistently keeping you in front of your customers. Why Choose Veremail? After all, there are other online email systems out there. Simply put, the difference is that Veremail offers you more value for less money... Unlimited Autoresponders: You can set up as many different sequential email sets as you want. Each email set can contain an unlimited number of emails and be configured to send them out with whatever frequency you like. Flexible Email Content: Messages can can be plain text or HTML. You can include images, style scripts, submission forms, even Flash designs if you like. Veremail supports it all. Unlimited Email Broadcasts: Perform unlimited email campaigns to your contact database anytime you like. Broadcasts can be scheduled to have emails go out on specific dates over a period of time and can include HTML and/or plain text. Unlimited Email Groups: You can organize your contacts into an unlimited number of email groups. This allows you to perform targeted email campaigns to specific cross sections of your database. Each group you create allows comes with its own HTML code that you can copy and paste into any web site you want for people to subscriber to your newsletter. 100% Guaranteed Delivery: Veremail is the only system that has historically proven to be able to get your email delivered. How? Years of diligent effort combined with investments in political lobists. Other systems are constantly being blacklisted by local ISPs or large anti-Spam services like SpamCop or Spamhaus. This results in only a small fraction of your email getting delivered. Veremail has been acknoledged to be 100% Spam proof and its reputation proceeds it. Plus the system contains technology that allows you to monitor deliverability yourself for each email blast you perform. No other service can come close to Veremail's delivery rate. Find out more, because there is so much for a very small price. My website below explains it all in a very easy to read website. Go to http://povertyisnofun.veremail.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:21 PM

82. VereConference is simply the hottest VoIP live online conference system around
Looking for a powerful, easy to use online VoIP conference system? Well, you've come to the right place! The VereConference system has been specifically designed to meet the needs of major corporations all the way to home based businesses - regardless of what your product is, or what you are promoting. VereConference is a reliable, no nonsense, easy-to-use, 100% web based conferencing service that you can use right NOW... without spending a penny! With Vereconference unlike the competitors: You don't download and install a piece of "screen sharing software". You don't have to dial a phone number to hear the presenter (where you can hear babies crying, fax tones blaring and speaker phones echoing, as you tie up your phone line or a couple of hours and run up your long distance phone bill!) You don't have to have broadband access! Dial up Internet connection works too! All you need is a computer with an Internet connection of any kind. You can use it to provide live, online support for your existing customers and website visitors. Perform live online training sessions for your team. Clean interface. Extremely easy to use! Just click the link and you're in! Rich, quality sound. All you need is a headset and speakers! Text chat for your guests without a microphone! Private text chat conversations on the side of the main presentation! Keyboard commands for visually impaired users! Synchronized web browsing allows you to push web pages for 1000's of viewers to see. Superior white board features! 100% Internet based -no phone line or teleconference needed. Recording feature - archive your meetings and post them on the web! (not included with free rooms) Unlimited monthly usage! Customize the look and feel of your room. Live customer support - just when you need it! Just go to the Vereconference link at the bottom and you will be up and running with your very own free 3-person VereConference system for free! Go to http://povertyisnofun.vereconference.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:16 PM

83. Free Vacation Getaway. 3 Day 2 Night Vacation
SURVEY: If you were shown a way to make all your dreams come true, would you at least want to take a serious look at it and gather all the facts? To receive your FREE Vacation Package, please fill out the small survey found at the webste below. You will need to input your personal information to receive your vacation coupons here online. IMPORTANT NOTE: We need to be able to contact you in order to issue you your vacation coupon vouchers. The following destinations are available at Vacation 4 Free: Cancun, Mexico Anaheim, California Reno, Nevada Palm Springs, California Hawaii San Antonio, Texas There are over 30 destinations available. Go sign up and discover how many resorts you have available to choose from. Go to http://povertyisnofun.vacation-4-free.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:09 PM

84. China's economy to become world's biggest in 2035
http://www.sinodaily.com/2006/080708200445.jjdmhfw1.html China's economy will overtake that of the United States by 2035 and be twice its size by midcentury, a study released Tuesday by a US research organization concluded. The report by economist Albert Keidel of the Carnegie Endowment for International Peace said China's rapid growth is driven by domestic demand more than exports, and will sustain high single-digit growth rates well into the 21st century. "China's economic performance clearly is no flash in the pan," Keidel writes. "Its growth this decade has averaged more than 10 percent a year and is still going strong in the first half of 2008. Because its success in recent decades has not been export-led but driven by domestic demand, its rapid growth can continue well into the 21st century, unfettered by world market limitation." Keidel said the rise of China to the world's biggest economy will happen regardless of the method of calculation. Under current market-based estimates, China's gross domestic product is about three trillion dollars compared to 14 trillion for the United States. Based on a more controversial purchasing power parity (PPP) measure used by the World Bank and others to correct low labor-cost distortions, he said China's GDP is roughly half of that of the United States. "Despite this low starting point, if China's expansion is anywhere near as fast as the earlier expansion of other East Asian modernizers at a comparable stage of development, the power of compound growth rates means that China's economy will be larger than America's by midcentury -- no matter how it is converted to dollars," Keidel wrote. "Indeed, PPP valuation distinctions will diminish and eventually disappear." Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 6:47 AM

85. Dedicated to Aussie and Kiwi Internet Entrepreneurs
If you're an Australian or New Zealander interested in developing a successful online business - regardless of what you're promoting - you have come to the right place! Veretekk Down Under is all about Aussies & Kiwis helping one another to make money online. Veretekk is more than an incredible marketing system... it's an entire community of entrepreneurs helping and supporting one another. One of the world's most successful businessmen was being interviewed. During the interview the interviewer asked... "How did you do it? What's the secret of being successful in business?" The businessman replied... "Well, it's simple really. I just buy something for one price and sell it for a higher price." As you read through this web site, you will discover that the answer the businessman gave was a great answer! It doesn't matter if you have been in business for 20 years or are just starting out. To be successful, you must know how to make a profit; how to buy low and sell high. There is no other reason for being in business. You can start off in business because it's something that you enjoy, something that your mum or dad did, however, ultimately you are in business to make money. So why do some people succeed and others don't? As you read through this web site you will get the business principles necessary to understand how to make a profit in any business. This includes any business you start on the Internet. There are people who start businesses on the Internet and then do absolutely nothing . And I mean, they don't even monitor their site for opportunity nor do they communicate with others to create opportunity. This is a lot like whispering down a well about your business. The only thing that's visible is your rear-end and no one can hear you! Don't let this happen to you... Having a business on the Internet is just like having a business anywhere else. The same principles apply. Most important of all are generating leads and turning leads into customers. To be successful you must get leads and turn some of these leads into customers. As you read through this web site you'll get an understanding of what's required to get leads and turn them into customers. Also there are tons of examples that you can relate to in everyday life together with many other great ideas that you can put into your business immediately. So get ready! You're about to get a lesson in business like never before! Go to http://povertyisnofun.veretekk.com.au Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:33 PM

86. STOP THE SPAM!!! So, what is the answer???
It all starts with a globally accepted standard for how commercial email is managed. This may sound like an impossible first step, but we are much closer than you may realize! Everyone is aware of the problems Spam causes, and more and more people are becoming attentive to the details required for a effective solution. Since the early 1990's a small group of Jedi VereKnights have consistently and actively promoted and lobbied for the need to establish a few critical standards for regulating Spam. Over the years this group has grown to include 10,000's of VereKnights who utilize 100% Spam free and Spam proof marketing methods. We encourage you to join the "Rebellion" as well by signing the online Petition for Responsible Email Marketing. Haven't we tried legislation? Yes (at least in the US) there was the CanSpam Act of 2003 (Controlling the Assault of Non-Solicited Pornography and Marketing Act). The problem is that the politicians who represent us in the United States or elsewhere in the world simply don't understand the details of the problem and factors required for an effective solution! They may have had the best intentions in the world with the CanSpam act, but for the most part it has been universally agreed that it has done very little to solve the problem. More pessimistically... it may have actually provided a greater benefit to Spammers than to abolishing Spam. CanSpam basically provides a few "rules" for how email headers should not be falsified, prohibits misleading subject lines, requires commercial email to include an opt-out method and be identified as containing an advertisement as well as contain the postal address of the sender. Now, these are all good policies. However, CanSpam falls miserably short of addressing the real policies that need to be considered. In so doing, the United States government has basically defined for Spammers the acceptable way for them to Spam! i.e. Just follow these rules are you are okay! This does absolutely nothing to defend from having your email address and personal information placed on email lists and sold around the world so that you start receiving tons of junk email from Spammers who are following the CanSpam guidelines! So what's missing? Any suggestions? Why of course the answer is YES! The CanSpam act was an important first step in establishing an accepted standard for controlling and eventually reducing Spam. But there is much more to do! The following is a list of items included in the Petition for Responsible Email Marketing that the CanSpam act does not address: 1) All commercial and marketing email must use a double opt-in verification system. It's not right or fair for Spammers to be able to simply start sending you tons of mail when you never agreed to receive it! Even if every email they send you is CanSpam compliant... will that make one bit of difference!?! (No!) And, it's not enough for someone to simply opt-in to receive an email. It must be a double opt-in system. This means that rather than simply submitting a form on a web site indicating that you accept to receive email, the web site must first send you a verification email confirming that you have opted-in. If you do not click the verification link in the email or else respond to it, you have NOT verified and should NOT have to receive email from them. Without this policy there is nothing to stop someone from submitting YOUR email address to various web sites and services to opt you in without your knowledge or approval! 2) Being verified is not enough. It must be "verifiable!" What this means is that you should not have to just take people's word for it that you have verified to receive email from them. Any company or individual sending commercial email should be required to provide a simple mechanism that proves the verification took place. For example, you should be able to go directly to a web page from the person sending you email where you can enter your email address as see exactly the date/time, IP address, and web site or source where you verified to receive email. There should be a clear and obvious link to this resource in the email you received. 3) Reveal the verification source in the email. While item #2 above is critical, you should not be forced to have to go to this web page to determine when and where you verified your email address. This same information should be contained in the email you received along with the other things required by the CanSpam act. 4) Easy/obvious opt-out methods. Every commercial email you receive should contain a single link that you can click to opt-out from any further emails. While it is okay for this link to go to a web page asking you to confirm, you should not be forced to renter your email address on that site. Furthermore the email should offer additional methods for opting-out. Similar to #2 above, it should offer a link to a web page where you can globally opt-out of their entire system (i.e. add you email address to their blacklist). You should also have the ability to mail or fax your opt-out request. Finally, a valid phone number for the sender should also be provided in the email (though calling is not a reliable means for opting-out). These 4 items are very straight forward. They should not be considered a luxury to have. Your privacy and the security of your personal information online should be a RIGHT! Through acceptance of these additional policies by the global Internet community we will see a rapid decline in Spam as 2 things quickly occur: 1. Online marketing companies will rush to comply with these new standards! None of them want the hassle they currently deal with regarding Spam, blacklisted IP addresses, angry consumers, and legal problems. The only reason many companies do not hold themselves to this standard is that they either are unaware of the problem they are contributing to, or else they correctly view the current environment to be one that is so hostile from inflammatory Anti- Spam Zealots that no matter how hard they try to be ethical, responsible, and do things the right way they will inevitably still be punished by the Zealots who will blacklist their IP address at the drop of a hat upon a single (unfounded) Spam complaint. 2. As this evolution by the marketing companies occurs, Spammers will see less and less reason to Spam. They will now have numerous options in the open market with companies and services through which they can send their email responsibly and legally. Ironically their marketing results will be much better as will their profits since they will be sending email to people ready and willing to receive it. The average Spammer doesn't want legal hassles anyway! The problem today is that the online community has not offered them a clear standard for sending email. At best it has been mixed messages. As the standards become clear, the few chronic Spammers who remain will quickly stand out to authorities. God rest their souls. So, where do you go from here..? If you have not already done so, make sure you sign the online Petition for Responsible Email Marketing to help support the cause. If you are an Internet marketer, consider joining the ranks of the Jedi VereKnight and start using powerful marketing tools that are 100% Spam free. Go to http://povertyisnofun.spam-wars.net Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 5:58 AM

87. The Middle class is being attacked!
The trend is firmly entrenched with the outsourcing of good paying jobs. White color jobs (IE: It services, software design, engineering, etc.), support and call centers, banks customer support, airlines phone sales counters, etc. going to India and other similar countries Good paying blue caller jobs in the US are declining with manufacturing moving to China, Mexico and other countries. At home jobs like construction, landscaping, farm labor, hotel services, etc. are being filled by illegal aliens. So where does that leave us? In the middle fighting to maintain our life style. Gas prices are soaring. The cost of living is on the rise. The value of the US dollar is dropping. Most of us in the middle class are burdened by crushing debt. And to make it worse we are being attacked from all sides! We can blame ourselves. When was the last time you went shopping for clothes? Did you check the labels? Everything is from China, not the USA like it was not so long ago. And I bet you pay for everything with your credit cards. Speaking of credit cards, we are guilty of buying ourselves into debt. This is part of the problem. Your home, your auto, your boat, etc. are all owned by the bank and you make payments every month from your shaky income to maintain this debt. By the way, if you own your home it is not an asset unless you are renting it out and not living in it, and if you are refinancing your home as the equity increases to pay off debt, you are following the fool's pursuit. Even though the United States has the most advanced medical industry in the world, it is expensive and medical insurance for the average family of four is over $1000 over month. But nationalizing our health care is not the answer. And you can bet that taxes will rise considerably if the Democrats take control the presidency as well as the house, and you are the one the taxes will rise for. And as taxes rise you can also expect the local job market will shrink as well. So what are you going to do? The rich (anyone making over $500,000 per year) will hardly be effected. There is a reason for this. The rich do things differently than the poor and middle class do, and you don't have to be rich to learn what they do, and by learning and applying this new mind set. you will find yourself gaining the same advantages they do and actually begin to build wealth instead of debt. Find out why the rich pay far less taxes, how they make their money work for them instead of working for money. How they protect their assets and build additional wealth. When you discover these principle and apply them to your life, you will see your life and finances make a major turn for the better. When these principles are applied you will no longer fear for your job. By joining Sohomatic, you will have access to this information and learn how to apply it to your particular situation. I have and here is an example of how I took a $1300 a month expense and turned it into profit. Several years ago I was paying $900 per month to finance my RV as well as another $400 a month to store it in covered storage in a nearby storage facility. I only use it 2 or 3 times a year. With this new mindset, I went out and found an RV rental store and discovered that they would store my RV for free and us it in their inventory of rentals. By doing this they split what they rent it out for with me. On the average I receive a check from them every month for $1500.00. I have turned that liability into and asset that makes me around $7000.00 per year and I still get to use the RV whenever I want to. I have taken that income and used it to pay the RV's mortgage down as well so my monthly mortgage on that RV is now below $500 per month. Plus I get to write off all the costs of the RV against my income when I pay taxes. Brilliant isn't it? Speaking of taxes, because I also own my own little business now, I have cut my taxes by more than %50! Are you interested now? And there is no cost for joining. But the benefits are huge! Thomas Prendergast CEO Inetekk.com, Inc. Go to http://povertyisnofun.sohomatic.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 5:52 AM

88. The Money Machine!!
Some refer to us as the Noah's Arc of today! Why? ...Because this system is designed to empower the self-employed, underemployed, unemployed, unemployable, senior citizen, disabled, single parents and the disenfranchised of our society. Money-Machine.Network's primary purpose is to help you learn and empower you to develop an alternative form of income. It is not a dream anymore, it is a reality. Login to our Survey and find out why all the others still don't get it. Your time is valuable. That's exactly why I urge you to take a brief moment to take this tour that can help you take control of your life and become financially free at the same time! The only way to become truly wealthy is to be in business for yourself! Don’t waste another minute! Start your own home business so you live life to its fullest! Never before has it been so simple! I can show you how to: Start a reputable home-based business now and let an automated system do the work for you! Succeed by spending just 7 - 10 hours a week and earn a lifetime walk-away residual income! Simply go to my website for the full details! http://veretekk.money-machine.net/povertyisnofun Or give me a call if you need assistance at 804-355-7161 Thanks, Troy K Preston Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 5:48 AM

89. The Most Powerful Submission System Online Today!
It's as simple as 1... 2... 3! Blast your advertisement to over 2 Billion web sites* as often as you want for only $10/month! Yes, that's right... 2 Billion websites (with a capital "B"). If you are interested in having your own ad posted across the entire Internet, then Leadsomatic is for you. This incredible tool has been developed over a 10 year period by constantly monitoring the multitude of website systems and services that are capable of recieving remote submissions in order to continuously update the Leadsomatic database. The system has grown from a once impressive 10 million web sites to the current mind boggling 2 Billion sites contained in the database. With the click of a button you will watch your submission go out to all 2 Billion sites as Leadsomatic goes to work. With a service this great, why not make some extra money!?! Let's face it... The Leadsomatic submission system is a service that no online marketer can afford to be without. It offers more value than all other submission systems combined, but costs less than any of them at a measly $10/month! You will inevitably want to tell your business partners and others about Leadsomatic, and we'll pay you handsomely when you do! Leadsomatic offers a very lucrative income opportunity by combining Direct Commissions with an exciting Profit Pool program. There are 2 ways to qualify to receive commissions: 1) Signup 5 paying members. 2) Be a paying member yourself! The following is an outline of the compensation plan. Direct Commissions - You'll receive $2/month for each paying member you signup. You are also give 1 "share" for each person. Profit Pool - Each month we take the total number paying Leadsomatic members and multiple it times $3 to create the "Profit Pool". You are then paid a percentage of that revenue based on the number of shares you have that month. If you signed up 10 people you would be paid $20/month in Direct Commissions and receive 20 shares of the Profit Pool. If there were 250 total paying Leadsomatic members, the Profit Pool would be $750. Your shares would be worth 4% of that amount, or an additional $30. So, your total commissions for the month would be $50. However, Leadsomatic also offers an Infinity Bonus! Infinity Bonus - Qualify by having 25 personal signups. You will receive 1 additional share for the Profit Pool that month for each paying member in your organization... all the way to infinity! (or the next Infinity Bonus earner.) If you had 100 paying members in your entire organization you would receive an additional 100 shares for the Profit Pool. This would be added to the 25 shares you would receive for your direct signups for a total of 125 shares. Using the same numbers from above, if the total number of shares was 250, you would receive 50% of the $750 Profit Pool, or $375... plus you $50 Direct Commission for a total commission of $425 that month! Now be honest... that just isn't a bad return for a $10/month investment! Sign up for a free system and start generating leads and profits from Leadsomatic! Go to http://povertyisnofun.leadsomatic.com/ Troy K Preston: Office Phone 804-355-7161 Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com/ Posted by Troy K Preston at 5:45 AM

90. Free Web Pages
Free Web Site Hosting Services Create and maintain you're own professionally designed World Wide Web site by using the instant Web Publisher. No HTML programming, CGI scripting, or graphic design skills required. Everything is as simple as filling in the blanks. Best of all, there is no cost to you, EVER! These pages make great "Doorway" pages and can be an easy, integral part of you're Internet Marketing Campaign. Search Engine Optimization Use these pages to build link popularity to you're home page. Make as many as you want. What better way then to build unlimited relevant sites all pointing to the site you're working to get top ranking. You can build these sites on a huge selection of different domains. But make sure you keep track of you're pages, login information, passwords, etc. You will need them if you ever want to edit them. We email this information when you ever you make a new page. Also make sure you submit them to search engines as well. All materials on this site copyrighted, 2002 by TheFreePage.net. Free Page offers the three biggest advantages to building traffic to your main site. The first being CONTENT. As easy as this sounds it takes some thought, planning and editing to "write" it right! Free Page is fully compliant to using HTML code or just plain text. Make sure that your mini sites on Free Page contain well written and similar content on the site you will point your mini sites to. This is the number one way to get excellent Search Engine Optimization. Keep in mind that keywords you are using to get place accordingly in the search engines should be liberally used within your copy. NOTE: Free Page also lets you edit your meta tags and title tags, three very important mechanism to bring it all together. The second and as important is LINKS. When your primary site has many mini sites with relative good content pointing to it, your primary site will start to develop popularity. With relative content and popularity your standings in the search engines will rise to or near the top. Keep in mind you need to keep your content updated at least monthly. but preferable weekly. The third is OPTIMIZATION. The Free Page system allows full configuration of your TITLE tag, META description tag and META keyword tags as well as the ability to add links and place/edit copy to the site. The pages are designed so your copy is built close to the top of the page code. With these three benefits working for you, the real value is there is no cost to use this system. PHONE: 804-355-7161 FREE-PAGE: http://veretekk.free-page.net/povertyisnofun Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 5:40 AM

91. FFAs are DEAD! GET a FREE LINK site! FFAFarm is a permanent link exchange
FFAs as we know it are dead. The search engines not only ignore them, now they penalize you for having links of fleeting FFA pages. You know the ones. After getting your link on the page a few hours later they get deleted. Not so with the FFAfarm, the oldest FFA site on the Internet. The biggest challenge with the old method FFAs is they drop your link after 100 or so others have posted. This makes your link virtually useless. By the time the search engine robots check the page, your link has disappeared. Not so with FFAfarm. FFAfarm's sister site, FREEffas gives away ffa systems for free. Not the others. They charge you for a fully optimized system. NOTE: None of our systems use ANNOYING popup or popunder pages, drop adware, spyware or hijack your browsers when you visit. Plus there is no advertising clutter either. Your link stays on the FFAfarm indefinitely. Assuring better link integrity by leaving a permanent link to your site, the search engine robots will reward you with better rankings. After a category fills to 100 links, a separate html page with your link is spawned and served indefinitely from our system. Thereby guaranteeing your link a lifetime on the Internet. So, we really aren't a traditional FFA type system. Think of us as a permanent link system. The only limitation is you can not add the same URL twice on the same page. But once the page spawns and a new page is made available, you can link again and again. When you submit to our system, your submitting to 25,000 plus sites as well. So with one submission, you get 25,000 unique web urls pointing to your site. Pretty good link popularity, don't you think? Extortion marketing at work, for free. For more information or to get your free leads system or post your links to millions of sites visit the following web address or email me or give me a call! http://veretekk.ffafarm.com/povertyisnofun Email: kppgarv@mindspring.com Name: Troy K Preston Phone: 804-355-7161 Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:42 PM

92. Free Leads For Life Free Submission Services Free Live Training
GO TO: http://veretekk.freeffas.com/povertyisnofun CALL: 804-355-7161 An absolutely free source for responsive Top Quality MLM and Business Opportunity Seeker Leads for your Network Marketing Business or Affiliate Program! These are the same quality other systems like FFAnet and Links2u sell for over $50 per month to receive. These are the very same type of leads other systems like iMarketonline sells for .50 each. We give them away to you for free in exchange for your patronage. Oh and by the way, we don't sell your information to anyone either, ever! That means sell, give away, trade or make available by looking the other way. We don't do it, period! We take privacy very seriously at Freeffas.com If you are ready to explode your network marketing or affiliate program, you need our services! Rely on us for exclusive one on one responsive qualified mlm leads and guaranteed signups to grow your business to the next level. Sign up (It's free) and check out all your options once you get inside your FreeFFAs control panel! Whether your looking for Pre-enrollees or MLM and Home Business Opportunity Seeker Leads, the leader is clearly FreefFFAs! We offer you a wide variety of lead generation systems. From: 1. Targeted traffic 2. Qualified mlm leads 3. Phone inter viewable 4. MLM targeted leads 5. Customized real time surveyed leads 6. Basic signups or 7. Customized mlm lead generation, this system has you covered. This system provides quality leads that are exclusively yours. No worries about rejection with any of the leads this system produces because they are only yours. We don't sell leads. This system produces some of the highest quality leads avai lable for your MLM or Affiliate program and other marketing needs at unbelievably affordable flat rates. From Double Opt In Leads, Phone Inter viewable Leads, MLM Qualified Leads, to Real Time Delivered Full Internet Surveyed Leads. All of our lead packages include time/date stamp and IP address. Find Out Why we have loyal subscribers going back 5 years or more. With our system, you get complete satisfaction. No more end lessly placing ads hoping a handful will visit your site and actually fill out your form, no more emailing thousands of people hoping a small percentage will visit your site or hoping your site doesn't get shut down for spam! Trust us like the thousands of our subscribers do to propel your business to a new level. We offer you a wide variety automated lead systems to suit your needs costing you less than a hamburger costs you per day! Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:46 PM

93. Free-mart.net: Free software... Free ebooks... Free newsletter...Free live seminars
::FREE VINTAGE AND NEW SOFTWARE DOWNLOADS ::FREE PERSONALIZED REPLICATED EBOOKS ::FREE LIVE INTERNET MARKETING SEMINARS What is it your looking for when it comes to free software on the Internet? The scope of needs is wide and....actually it is huge. Virtually impossible to fill one site with everything everyone is looking for. However, as an Internet veteran since 1990, the most frustrating search is for older versions of software and freeware. Take AOLPress for instance. AOLPress is a website software HTML editor. It was around long before Frontpage. In fact Frontpage was modeled after AOLPress. AOLpress is an integrated browsing and WYSIWYG authoring tool for the World Wide Web. AOLpress was designed both to make WWW authoring more accessible to beginners and to save valuable time and effort for professional Web publishers back in 1995. Until I discovered AOL Press, I authored HTML with a text editor. AOLPress allowed me to quickly build FORMS and TABLES and copy the code into my text editor saving me time. Years later with a massive computer network crash, I lost it and by then AOLPress was longer made available by AOL and it was virtually impossible to find it. I finally did and I still use to this day. When I teach people how to build web pages it is with AOLPress I start them on because of it's ease and simplicity. AOLPress and AOLPress server are available from Free-Mart, along with allot of other web master oriented vintage freeware hard to find elsewhere. We also keep Free-Mart up to date with new freeware that we find very valuable. Another very important vintage freeware is Cool Edit. The vintage version has no expiration when using it. The newer versions of Cool Edit expire after 30 days and this older version is virtually impossible to find anywhere else on the Internet. What is Cool Edit you ask? It is one of the simplest sound editing softwares I have ever used and I use it today. It does things no other sound editor does, even the newer ones today. Free-Mart has hundreds of quality free and freeware titles. Hand picked by experienced web masters for their tried and tested benefits. No fluff here either. Just top quality little know applications that get the work done. Free-Mart and all of the software found on it reside on our servers too. So there is never any issues with Files not found and the downloads are fast and secure. One more very important fact about Free-Mart.net. It does not load adware, spyware or use popups either. And when you register to use our service, your information is secure, never sold, transferred or distributed to anyone ever! If your a webmaster your going to love this service. First of all, are you a webmaster? By that I mean, can you upload files to a website? If you can, Free-Mart has developed the ability for you to get many great ebook titles for free but with one very cool benefit not found anywhere else! Self replication! By that we mean you can personalize each ebook with your own ad, website address, phone number and your name. Then download the book and distribute it for free from your own sites. That way the book keeps on advertising for you to all the people that download the book from you. A great advertising medium that just keeps on working and working. Plus these ebooks have great value and because they are not encrypted, the search engines can index them as well giving you more value in the search engine positioning strategies. If you have an ebook you want distributed from Free-Mart let us know. We will do so at no cost to you as long as you agree to give us the original files to your book so we can configure it to use our code for replication and personalization. So what are you waiting for. Come see what the Internet can really do when value and technology merge into an Inetekk Traffic Portal! Inetekk puts on many free Internet Marketing seminars for free. You are welcome to join us. All you need to do is download the Livve Training software, install it, open it up and register with your name, then log in. We have these free seminars 5-7 days a week. Just check the calendar for the times they run. No long distant phone calls. See us talking, join in the dialog, and see the websites and processes right from your computer. Like a virtual school with the top Internet GURUs at your finger tips. You can even set up your own lobbies if you have friends or associates you want to talk to, see and share with as well. Once you download the software, you can distribute it freely as well. We look forward to seeing you there! FREE-MART: http://veretekk.freemart.net/povertyisnofun PHONE: 804-355-7161 Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 1:54 PM

94. View from the Inside ... GM bankruptcy possible
Don't let the misfortunes of General Motors be your misfortune. Find an opportunity that can provide you with the income and success that a hardworking person like you deserves! Make money online helping others meet their dental and health care needs: http://deliveringonthepromise.com/40211752 General Motors stock has reached its lowest level since 1954. Now there is even talk on the "street" about the collapse of GM. But this idea has been in circulation for at least three years. The price of crude reached just under $144 a barrel and consumers are abandoning their gas hogs. Merrill says GM bankruptcy possible Auto giant will require $15B in cash to shore up liquidity, report says DETROIT - General Motors Corp. will need to raise as much as $15 billion in cash to shore up liquidity and bankruptcy is a possibility if the U.S. auto market continues to slump, Merrill Lynch said. Other analysts have suggested GM, shares of which fell to a new 54-year low yesterday, needs to raise funds to ride out the downturn in the U.S. auto market through 2009. But Merrill's estimate of GM's financing needs is the highest yet. It also carried the most stark warning of the bankruptcy risk for the largest U.S. automaker.GM declined to comment directly on the Merrill Lynch report, but it believes it has sufficient liquidity for 2008 despite lower volumes and could take more steps to cut costs if sales conditions worsen. "If conditions continue to deteriorate, we would consider other operating measures," GM spokeswoman Renée Rashid-Merem told Reuters. Merrill Lynch analyst John Murphy lowered his price target for the largest U.S. automaker to $7 from $28. Shares fell as much as 11 per cent to $10.50 in yesterday's trading on the New York Stock Exchange. The cost to insure GM's debt also rose. Mr. Murphy also lowered his forecast for 2008 U.S. industry-wide light vehicle sales for the third time this year and said the recent drastic decline in sales would likely continue through 2009. Mr. Murphy forecasts light vehicle sales of 14.3 million units this year and 14 million units for next year. That compares with 16.15 million units in 2007 and is sharply lower than the current forecast of most major automakers, including GM. "The recent extreme deterioration in volume and mix is driving much higher cash burn and eroding GM's cash position," Mr. Murphy said. "We believe $15 billion is necessary because there is downside risk to our current estimates and a greater cushion is essential." Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 8:05 AM

95. Etracking.Net: The World's First Self-Replicating Search Engine
Chaos theory combined with viral technology makes this a leading edge traffic portal. This site can easily become a massive verified lead generator for free. It is self replicating, comes with live training and runs on over 200 servers. This technology is exclusive to Inetekk the inventors of Veretekk. Veretekk is 10 years ahead of any type of lead generating and lead system on the Internet today. If you want your own eTracking system it is free. If you want a portfolio of lead generators like eTracking then you need to join Veretekk. http://povertyisnofun.veretekk.com Inetekk has been building lead and marketing systems on the Internet since 1998. Inetekk was created by Thomas Prendergast and Mike Darling. With a combined expertise that started when the Internet was born in 1991, these guys represent over 200,000 hours of Internet and computer technology and have set the standard for Internet marketing. Developers of the first and only double opt in, verified and 3rd party verifiability email systems, Inetekk forged the only secure privacy based email system on the Internet. Inventors of the first online application, first self replicating website and first self replicating PDF ebooks, this company has been destined to empower the little guy from it's very inception. You have everything to gain subscribing for free. Make sure you also join the affiliate program found at Veretekk.com. If your interested in a real solid and easily built income, this is that place! http://povertyisnofun.veretekk.com eTracking doesn't just give you a free search engine - we hand you an entire system. We give a crisply designed website that will draw people into submitting their own web sites. We also provide you with clips of HTML code that can be used to perform remote submissions (as well as your own URL to give to submission services to add to their list). Remember, the more web sites submited to your search engine, the more leads generated for you. eTracking also includes a secure Control Panel where you and only you will be able access your leads. The control panel includes all important contact information about the lead itself such as their name, email address and the dates of your last contact towards them. With the leads at your disposal you can now seriously promote your opportunity to them. But the most significant feature of eTracking is that it's absolutely, positively, totally FREE. eTracking is the world's first self replicating search engine - demand for it is HUGE! We could easily be charging from $17.95 to $50 a month for the same service we offer you for free. We truly want you to succeed - changing the way you think about search engine marketing is a huge step in the right direction! The New Era... Ready or not - it is here. Stop wasting all of your time and money trying to get your web site listed in the Top 10. A New Era has arrived in search engine marketing! Don't be left behind and stranded with other free search engines that will inevitably appear in the months to come. We are the first! We know this business! And, most importantly -we'll give it to you for free. Start earning the profits that you dream of by setting up your new search engine with eTracking.net. Just click the Get Yours button and submit the form and a verification email will be sent to you confirming your username and password. Then by clicking the link on the email verification you will immediately be sent to the eTracking.net sign-in page, where you can enter and view your control panel. Go to http://povertyisnofun.etracking.net Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 7:47 AM

96. The Economic Decline Continues, So Protect Your Future Economic Security
This is an interesting observation from financial reporter Ambrose Evans-Pritchard concerning world economic trends that gives yet another indication why you need to get serious about your financial future! http://blogs.telegraph.co.uk/ambrose_evans-pritchard/blog/2008/07/04/is_global_shipping_slowing_drastically Is global shipping slowing drastically? Friday, July 4, 2008, 06:36 PM GMT [General] A little nugget from my colleagues at Le Figaro, one of Europe's finest newspapers (which is luxuriously delivered to my desk every day). Jacques Saadé, the head of the French shipping giant CMA CMG, says the shipping cycle has turned with a vengeance. "We're seeing ships leaving Asia that are not full. We are living through a real economic slowdown. It is a latent crisis that will take time to disappear. I don't see it getting better before the end of 2009." "America is importing less, so is Europe. After a record year in 2007, where we had more offers than we could take on our ships, traffic between Asia and Europe has now fallen to a 94pc occpancy rate," he said. Mr Saadé, who has just ruled out a bid for Hapag-Lloyd, said the oil spike was a scam. "This boom is artificial. Only speculation can explain the run up in price. One way or another, governments must put a stop to this." He said fuel now made up 60pc of his shipping costs. "We're cutting the average speed of our container ships from 22 to 19 knots. It's our only possibility," he said. Lloyds List said the shipping industry will know when the first Asian loads begin for the pre-Christmas season in a month as whether this is the start of a serious slump. The anecdotal talk is that the picture is deteriorating fast. Note too that the Baltic Dry Index measuring freight rates for coal, corn, grains and such has dropped 23pc over the last month. A false alarm? Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 7:35 AM 0 comments

97. Free Viral Marketing on Steroids. Tom Sawyer would be proud!
Daily Message Online was developed with you in mind. A gift from us to you for life. When you sign-up for this service, we will send a powerful message to your email every morning, from a huge selection of innovative, provocative, inspirational and or spiritual quotes from some of the most powerful leaders of today and yesteryear. The following is a random sampling. Most of the things worth doing in the world had been declared impossible before they were done. -Lois D. Brandeis That best portion of a good man's life, His little, nameless, unremembered acts of kindness and of love. -William Wordsworth Everything you can imagine is real. -Pablo Picasso The nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.' -Ronald Reagan Have the courage to be ignorant of a great number of things, in order to avoid the calamity of being ignorant of everything. -Sydney Smith Consider This: Now, let me ask you a few questions OK? Do you have a small business, home business or any kind of thoughts about it? I work from home. I started an Internet business on a shoe string mostly with just determination. That is the main ingredient and is the one common thread among all people of success. This is why I built this site to give you a source of constant positive input, supporting your commitment as you rise towards your own calling. Do you wake up in the morning excited? Can't wait to get at it? Hug your kids and friends throughout the day? Ok Ok I am not trying to rub it in. But the truth is, everything and I mean everything hinges on attitude. You need every advantage you can get. I look forward to my "quote" of the day from the Dailymessangeonline.com system. It makes a difference in my attitude. I think you will discover it will 'ring true' for you too. You know I just love symbiotic relationships and this one is Brilliant Marketing at it's best! Let someone else get your message distributed, seamlessly and we also help you build the list by with valuable Internet tools from Veretekk including a bulk emailer and targeted subscription form templates you can put into other web sites. Remember, it is your ad only that is sent to an eager recipient every morning, day after day, week after week, year after year. So what's the catch? Simple, you use Veretekk's marketing tools to build a huge mailing list and in turn you get to send your ad out to that list, forever. Keep in mind these messages go out every day to a very receptive audience. And....you can change your message as much by logging into your own Veretekk Personal Control Center. Legitimate, spam free, verified email lists. With the company that invented Internet marketing and verification email technology. . So what the heck are you waiting for? This site has powerful tools to help you build a future of success. And a lot of it is free. Go to http://povertyisnofun.dailymessageonline.com Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 2:57 PM

98. Want a New Computer?
Win a Free Computer from the leaders of Internet Marketing. Go to http://povertyisnofun.computer-giveaway.net to win monthly. Free computers? That's right, a free computer as well as many types of peripherals. But why would we do this? Because we want your attention, we want your information, and with you permission of course, so we can talk with you. But we do not sell your information. We will email or call you. No one else. It's called privacy. Now, why in the world do we want to talk to you? Because we have information you can use. What do you use your computer for? Looking for information of course. But what do you really use your computer for. Sending emails to your friends? Playing games? Looking at pictures? Basically wasting your valuable time in our opinion. I don't mean to insult you. But we use our computers to make money, serious money using the Internet. And we are successful at doing this. This is why we can afford to give a free computer away every month. And occasional give a free peripheral away too. We often buy cool peripherals and when we get a 2 for one deal, we give one away and it could be you. But you must wonder what we have to say to you when you register for a free PC contest. We have been on the Internet way before the dot com bust. Doing our due diligence making good income. We actually started building this system before Al Gore invented the Internet (sic). One of our members made $300,000.00 this month at the time I am writing this. Another one of our members is a burned out welder from Texas who is consistently bringing in $30,000 per month for his services. By joining our organization at http://povertyisnofun.veretekk.com you will meet them. They are live trainers and you can talk with them when you join. But what does this have to do with you? Do you want to achieve a greater income spending your time on the Internet? We just want to inform you of what we have learned. We are willing to award you a free PC just for the opportunity to make this information that really works, available. Because if you can make your PC work for you building real income, then you, like us, can get out of the rat race of having a job. Fair enough? Go to my site and see what there is and maybe, just maybe, you will win a free PC. But even better, you will be given the information that when applied, will build you an income that might, just might, take you into a new level if income that will make your current job obsolete. And that my friend is real freedom! Go to http://povertyisnofun.computer-giveaway.net to win monthly. Poverty is no fun! Make Money Online using Google, Veretekk, Blastomatic, Leadsomatic and Free FFAS! Obtain Fantastic Dental and Health Benefits at http://dentalbenefitsarewonderful.com Posted by Troy K Preston at 5:22 AM

99. You Need Tax Breaks!
Taxes can really take a bite out of your annual income if you don't have any means of acquiring tax breaks. How would you like to deduct all of the following from your taxes? 1. A portion of your rent or mortage. 2. Any work-related travel expenses you incur (including gasoline costs!) 3. Your phone bill. 4. Your electric bill. 5. The cost of purchasing a computer and maintaining internet service. 6. Any work-related fees or expenditures. The way to do it is through having your own home business. Your home becomes your business office and many routine household expenses become business expenses. I'm not talking about anything illegal, fraudulent or dishonest here. I'm talking about making the provisions of the tax code for ordinary business-related deductions WORK FOR YOU, and doing it all while WORKING AT HOME. Sit at home using the internet, Google, and Veretekk's fantastic lead generation system and MAKE MONEY ONLINE. Poverty is no fun! So overcome your poverty by starting your own home business and start working from home towards building the income that you need. Interested? Email me at kppgarv@mindspring.com or call my office at 804-355-7161 Posted by Troy K Preston at 6:27 AM

100. Tough Economic Times Ahead-Be Prepared!
Recently, Starbucks had to close 600 of its American stores: http://seattlepi.nwsource.com/business/1310ap_starbucks_closings.html And IndyMac is going belly up as well: http://www.latimes.com/business/la-fi-indymac1-2008jul01,0,2858219.story Rumors of a possible war between the USA and Iran persist, possibly resulting in another doubling or even tripling of present oil prices: http://www.newsweek.com/id/143659 How prepared will you be to face the tough economic times that lie ahead? What are you going to do when simply commuting back and forth to work everyday eats up most of your paycheck? For decades, Americans have had the luxury of being the most mobile society on earth. Rising fuel costs combined with wider economic downturns could be putting an end to that. What if you could cut your work-related transportation costs down to ZERO? I did. But the only way to do it is to WORK AT HOME. It's not exactly a novel concept. Prior to the advent of modern transportation technology, most people worked at home, either on a farm or in a shop. Those days may be making a comeback. Working at home may well be a wave of the future, particularly given the rising costs of fuel combined with increased technological capabilities associated with computers and the internet. How would you like to sit at home during the day working on the computer and building an income and just forget about going to work? That's what I do. Here's how: http://deliveringonthepromise.com/40211752

101. Like My Blog? Why Not Get Your Own?
Blogging can do wonders for your internet marketing business. My blog allows me to present myself to you as a real person, a real internet marketing professional with whom you can communicate with as a process of growing your business (and your income!) to where YOU want it to be. What's more, if you feel unsure of yourself so far as your experience and capabilities for blogging go, I have the tools and the training that can help you. I want to show you what I know. If you have ever wanted to carve out your own little place in the online world, a personal weblog (aka Blog) is just what you need! BlogFather has been designed to be incredibly easy to use. Even the more un-technical people find it as simple as "point and click!" You can be up and running with your very own personal Blog in less than 10 minutes. Here is the way: http://povertyisnofun.blogfather.net/ Troy K. Preston has the way for you to generate quality leads through Veretekk Blogfather-the most sophisticated internet marketing system available. Make money online using our advanced lead producing system. Do not waste money purchasing crummy leads from disreputable providers. Try our system for proven success.

102. 12 Million Ads for Free!
http://povertyisnofun.blastomatic.com Click on the above link to find out how you can place 12 million ads on the internet for free AND generate 8,000 FREE LEADS DAILY. Blastomatic is aimed to provide one goal. RESULTS!!! Trying to promote on the Internet can be disheartening and costly. Unless you find the right tools you're simply wasting your time and money. We make it easy for you by submitting your AD to millions of pages with just one click. By using Blast-O-Matic you will literally be creating millions of links pointing to your website - automatically! This can greatly help increase your site popularity and help you to get a much better ranking in the search engines. The more you use Blast-O-Matic, the more links pointing to your website are created! Blast-O-Matic provides you with the most powerful submission system in the world - and best of all, it's FREE! No other submission service can compare to the "high-tech" / "high-touch" service you receive from Blast-O-Matic. Most companies charge a fee to provide you with an inferior service! We charge you NOTHING! It is FREE, FREE, FREE for ever! Poverty is No Fun! Make Money Online using Google, Veretekk's Lead Generation System and Blastomatic! Posted by Troy K Preston at 7:12 AM

103. Email 10,000 Prospects in 10 Minutes Everyday
Everyday, I send out emails to 10,000 prospects for my various internet marketing businesses. It takes me about ten minutes every morning. And I'm talking about 10,000 NEW LEADS DAILY. I get these leads for FREE just by agreeing to use some of the best tools available for online marketing. Join these three sites and you can make money online by increasing your lead volume exponentially. http://povertyisnofun.veretekk.com http://povertyisnofun.blastomatic.com http://povertyisnofun.freeffas.com With Free FFAS and Blastomatic, you can receive 10,000 new leads daily and with Veretekk, you can email all of these prospects each day with only a few minutes work. Sounds nice, doesn't it?

104. Veretekk Helps You Generate FREE Leads for Your Internet-Based Home Business
http://povertyisnofun.veretekk.com Click on the above link to learn more about how to generate thousands of leads on a daily basis for FREE. I've known people in the home business and network marketing fields who would spend thousands of dollars monthly on lead generation. That's not how you make money online. That's how you lose money. Here's a couple more sites where you can get FREE leads: http://povertyisnofun.blastomatic.com http://povertyisnofun.leadsomatic.com You can generate up to 10,000 leads DAILY with these two sites alone, and with Veretekk you can do a mass emailing in the space of a few minutes. Think it's too good to be true? So did I, but then I actually gave it a try!

105. Make Money Online with 1st Classifieds
Generate leads with Veretekk 1st Classifieds. Troy K Preston helps you with the best internet marketing tool available. Make money online using system and Google. We've been providing high traffic, high response Free Classifieds since 1996.Got something you want to sell? Looking to buy? This is the place! http://povertyisnofun.1-family.com/ 1-Family is the oldest and most visited classified system on the Internet. Posting is free and remote posting is allowed.

106. Generate a Limitless Supply of Leads for Life-and for FREE!
For a long time, I tried every half-cocked method of lead generation I could think of. I spent over a $1000 every month placing ads in newspapers. I left sizzle cards on park benches and in public restrooms. I spent several hours a day posting ads on Craigslist and other free ad sites. I struck up conservations about business opportunities in the supermarket checkout line, on airplanes, and with waiters and gas station attendants. I put up flyers on bulletin boards. I bought overpriced internet leads from shady distributers. And you know what, I didn't even get ONE PERCENT the number of leads that I generate FOR FREE on a daily basis using sophisticated internet marketing techniques. If you want a future in network marketing, you've got to be able to generate YOUR OWN LEADS via the internet. There's just no other way. I have the system, and I want to teach it to you so you can become successful and I can become even more successful. Check it out and let me know what you think: http://povertyisnofun.veretekk.com http://povertyisnofun.leadsomatic.com

107. Don't Put All of Your Eggs in One Basket!
If you're an experienced network marketer, you've heard it said many times that the way to go is to find one opportunity and stick with it. Is that really the best advice? Why put all of your eggs in one basket? No matter how good you think a particular opportunity is, no matter how financially solid your network marketing company is, no matter how honest you think the company's owners are, THINGS CAN GO WRONG. What if your company took a downturn and went bankrupt? That's not that hard to do in today's economy. What if your company was bought out and liquidated? It happens. What if it turned out the company's owners were a bunch of crooks who made off with YOUR residual income. It's a familiar story to some people in network marketing. What if the checks just stopped coming? DON'T LET IT HAPPEN TO YOU. To really secure your financial future, you need to be in multiple businesses, not just one. That might have been harder back in the old days when network marketing was done using those dreadful local weekly meetings, door to door sales, telephone solicitations, those overpriced newspaper ads, those crummy internet leads, etc. Now you can operate a dozen or more businesses at once on your home computer. And you don't even have to buy leads. YOU CAN GENERATE LEADS FOR FREE. Veretekk has the system. Check it out: http://povertyisnofun.veretekk.com You'll love it. I know I do.

108. I'm Learning How to Operate Multiple International Businesses at Once Without Leaving My House
It looks like tough times are ahead so far as the American economy goes. A friend of mine, a Danish economics student by the name of Peter Bjorn Perls, has this to say about America's economic near-future: "Also, there seems to be nothing on the board that will change the disastrous US economic course: 1) Aggressive expansion of the money supply by the Fed 2) Ditto for credit expansion by banks. 3) Major US federal deficit, with no significant and reliable long-term change in the cards 4) No significant tax reform on the horizon (the Fair Tax is discussed, but I don’t think is has much real support, in any case it is not as much of a reform as I’d hope for and advocate). 5) No likely cuts to US military budget, medicare/medicaid, social security. What this spells for the future is this: a) Continuing and increasing inflation, meaning: more economic uncertainty,unwillingness to invest and save, a continuing drop in the value of US$s, stronger unwillingness to own and trade US$, and catastrophe for US import-based businesses, which will see their operating costs spiral out of control. b) more bankruptcies, especially real-estate based - and a full crash following if the economy does more severe hiccups than it has lately c) more interest expenses for US citizens on the foreign debt, less future willingness for foreign states to borrow the US money (which means big f’ing crisis the day the creditors stop being creditors - that would be your economic downturn right there) d) no tax reform means that the state will still base its revenue primarily on income taxation to accumulate the funds needed to keep the state in action. When the crash hits, the tax revenue needs to grow to cover the crash expenses (I assume that a crash will either be directly based on a foreign lending stop, or result in strongly reduced lending willingness, which means more debt-based spending is realistically impossible on the scale it happens today). More income from income taxes means a heightened income tax burdens on individuals and businesses, naturally leading to tax evasion, underreporting, and discontent as people will see their living standard plunge (not only from the crash itself), and their personal economic lives under increased surveillance.) e) No budget cuts means in the case of no short-term crash, will the long-term economic crash be assured, when the money runs out and the federal state is unable to meets its medicX/SS obligations. That means a lot of people will be placed in situations where desperate action becomes more likely." Sounds pretty bleak, doesn't it? And economist Paul Craig Roberts, a former Assistant Secretary of the Treasury under President Ronald Reagan and an early architect of "supply-side" economic theory, has this to say: "As a result of offshoring, good jobs in America are disappearing. The Bureau of Labor Statistics job figures make it totally clear that the U.S. economy has ceased creating net new middle-class jobs in the private economy in the 21st century. Stressing higher returns to shareholders, Wall Street pressures corporations to move their operations abroad. Wal-Mart tells its American suppliers to "meet the Chinese price" or else—a price that U.S. firms can match only by offshoring their operations to China. Every job and product that is offshored increases the U.S. trade deficit and lowers U.S. gross domestic product. It is a losing game for America that rewards the overpaid elite of Wall Street and corporate America, while dismantling the ladders of upward mobility. By enlarging the trade deficit, offshoring erodes the reserve currency role of the dollar, the real basis of U.S. power. Now that U.S. imports exceed U.S. industrial production, it is unlikely that the U.S. trade deficit can be closed except by a sharp reduction in U.S. consumption, which implies a drop in U.S. living standards. If the dollar loses its reserve currency status, the U.S. government will not be able to finance its budget and trade deficits." It's not looking good. Have you ever heard the saying "Don't put your eggs in one basket!" It's true in the business world as well. How would you like to be able to operate multiple buinesses all at once, tapping into markets all over the world, and do it all sitting at home in front of your computer? Getting paid in euros and yen as well as dollars, and doing it without leaving your house? Internet marketing allows you to do just that. Check out a little bit of what we have to offer: http://povertyisnofun.1-family.com/ http://povertyisnofun.veretekk.com http://povertyisnofun.blastomatic.com/

109. Tired of buying crummy leads from disreputable providers?-click here for more
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110. Dental Benefits Are Wonderful!-click here for more
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111. Welcome to the World of Super Success Internet Marketing
Let's face it, if you're visiting a website like this, you probably need money. One of the network marketing companies I belong includes a very successful man, a minister in his other profession, who says, "It's not just about the money. It's all about the money!" He's right, of course. Times are tough with the high costs of gas and food, mortage foreclosures, rising unemployment, the fall of the American dollar on the international currency market, the loss of jobs to outsourcing and the global economy and so many other things that are making it harder and harder for the average Jane or Joe to make a decent living. And, of course, we all want to do more than just "get by". We want success and lots of it, because that's what allows each of us to pay our debts, cover those burdensome mortage payments, put the kids through school, get a car we're not embarrassed to be seen driving, cover important medical treatments for loved ones and so many other things that we just can't really do without. You're not going to get rich or even all that comfortable with an ordinary job. I know. I tried it for nearly two decades. Then I decided to look for alternatives. What I found was the world of network marketing, and networking marketing took me into the worlds of consumer-driven health care and, later, internet marketing. Four of the most serious problems Americans have today are finding a job, dealing with the costs of fuel, finding affordable health care and planning for retirement. Well, I can help you with all four. How would you like to be able to work from home, avoiding the rat race and the expensive commute to and from work, receive amazing dental and health benefits, and build up a permanent residual income for your retirement? I thought that would get your attention. Let's get started by taking a look at these websites: http://www.dentalbenefitsarewonderful.com http://www.deliveringonthepromise.com/40211752 http://povertyisnofun.veretekk.com Pretty neat stuff, isn't it? The first site shows you some of our (and potentially your!) amazing products. The second site shows you how to make a fantastic living helping others meet their dental and health needs. And the third site, shows to how to make customers come to you. There's no purchasing crummy leads from disreputable providers with us. No silly wastes of time like setting up a booth at the mall and begging passersby to buy our products. We have the most sophisticated marketing system out there, and there's practically zero overhead involved. So for goodness' sake, let's not waste any more time. Let's you and me get started with this thing today! Email me at kppgarv@mindspring.com or call me on my office phone at 804-355-7161.