Creditor Practices

Well , In a fine style of journalism here I am going to publish a suprising finding about our supposedly economic recovery in America. It might not come as too much surprise to my readers that everything from gas to consumer goods is growing more expensive but then that is widely known. What is not really known much about is the interest rates for homes,car and credit are going through the roof because of a little known law in America that called the FAIR CREDIT ACT that allows banks,lenders and credit card companies to charge asorbant fees for using their services. You must have seen it recently when Citibank and a few other got their hand caught in the cookie jar because they had stuck in a whole host of new fees in fine print that until recently never came to light that they were doing that to credit customers. That is just the part of the whole picture that most people who are on the recieving end got a silent screwing by paying more in endless interest hikes and misalanious fees on the bill statements. Most people unfortnutely neve bother to question what the credit and mortage comapnies are doing because they feel they are trust worthy which is how they have gone under the radar for so long. To add insult to it you have some elected officials who take pact money contributions to get elected from the very same companies that jack up your bill in the mail by adding high rates of fees and interest. It used to be before the Fair Credit Act was passed under a old law that you as a credit company could only charge a maximum of 33 percent interest on all of the balances held by a credit customer. Well, that all changed after the passage of this new law in 2010 in which now the sky is the limit on interest rates as high as 43 percent is now the normal for customers of lenders. Then came the next wave of changes that allowed banks to change the way they do business because before they had to go by what the Federal Reserse rules told them to do. Now a days they can pretty much do what ever they want to do like reposess your home or car with or without ever having real creditor interest in the item. Think back only about a year ago to when it came to light that  Bank of America was and still is silently continuing to repo homes and cars etc. that it has limited to no stake of ownership in which is wrong to do. Some of the companies I have mentioned and others not listed but well known here certianly have profited from this parctice as well as from the legal changes that now allow them to do this to customers of credit. You see that if you do it long enough and you put laws into place that allow you to get away with unfair business practices then nobody after awhile complains about it. The fact that that is being allowed to happen is actually hurting lots of people in America by hiking interest rates and adding hidden fees and other things that make everything more expensive to live which in turn drags down a our economy. So what do you do? Well, good question and this is the reply to that in that you have to red the fine print before you sign any loan agreement including credit cards or you are opening yourself up to being stuck once you agree to their terms. The second thing is which most people in America find it hard to do is not to overspend and then you don't need credit to sustain your life. Third is cut up all your credit card and pay off all your current debt to zero balance then start a new saving and investment plan which is what any good investment advisor will tell you is how you begin to build wealth. Then you don't have to worry about what the creditors are doing because hopefully they will not have any stake in owning your lifes saving and investments like your home and your car etc. This is wealth building tools that any smart person can use to grow a good debt free life and use resources wisely to gain everything that you want and need for yourself and your family.

World Finance Problems

I can sit here today and say I told you so about the stock market combined with the Jobs Bill in Congress including bailing out overseas financial problems but that would be just the tip of problem. You see as I reported last week on my radio show and this blog that with all the debt being racked up over in Europe some day it is going to come back here a effect us in America. Well, look now as the very same scenario is playing out in both America and the EU global banking system as it is hemorrhaging and guess who gets the job of propping up all those foreign banks and failing countries like Greece? It is America if you guessed it right and we kicked in more billions this month to the IMF and World bank combined than even the rest of the powerfully industrial countries called the G-12 league of nations. It is ironic to me and I think to my readership here that I called the play first on what Washington was going to do even before it happened that one persons vision on business and finance could see what it took a army of Washington bureaucrats months to come to the same conclusion on policy. Look at the bright side this so far the stock week market has done just what I said it would do in that it surged in most areas of the economy but be for warned that it is only too many that forget what happened last time investors got this kin of green light from Washington and overseas. They found out the hard way that putting your money at risk is like watching your hair on your head get burned and saying to yourself oh that does not hurt so bad because the Fed and others say good things this week about how rosy the economy really is doing. Come on lets face the real facts our overseas partner countries are failing and so are we doing the same and it seems that some fat cats are white washing the truth to America. I said it a while ago if we as a nation accept the status quo we are only cooking our own goose by spending more than we as a nation can generate in overall wealth. Today we are the second largest debtor nation on all of earth and fastly spending ourselves into a pit that we will never get out of if Washington's bureaucrats have it their way as they have completely mismanaged our nations finances by writing bum checks with promises to pay our creditors which they know will never be paid in full. If you do that to many times to the likes of our largest creditor which is China and others on the list what do you think they are going to do after they see the light of day? Simple answer to that and that is they are going to have a sweet talk with Washington and a ceremony of ripping the rug out from under us as a nation which is going to turn America into a depression economy worse most likely than what happened in the 1920's when people starved in mass and not many had a paying job except if your were a government bureaucrat in some fat cat cushy job at tax payers expense. Now a days it can be seen quite clearly that more time this recession continues it continues to become more pain for the regular working class and businesses to function with any kind of good coming out of it. You know what I mean you walk down the local street in your town or city and look at how many businesses have closed up for good and more people are losing their jobs every day and maybe your one of them of someone your know is drastically effected by this recession. Do the math and you see for yourself that at the current rate of decline and debt spending we are doing in America most businesses and people will be unemployed for long time to come or go belly up completely sooner. If your going to run a nation on debt your going to fail and that is just what we see here in America and in Europe that is mirroring our own financial crisis by doing the very same idiot policies that put everyone in a giant global financial hole. If you run a country with sound monetary policy which means that you got to balance the books just like running a business by doing that you then begin to success in paying your debt off and gaining in overall wealth by investing it wisely in production output combined with quality goods and services. Well America can do the same thing and achieve a greater profit share to our nation of about 350 million people if we just stop the insane way we spent money we don't even have on garbage programs and bloat in government. Yes, business can make the changes but so can as a partnership government can do it here in America. We as a nation got to buckle down to the task at hand which means not putting it off to the future and just do it in that we stop our failed investments and policies that have buried us in the monster hole we find ourselves in currently by doing the jobs and getting it done to save our own nation.

Apple Stocks Climbing!!

Well with the new generation of Ipad and other Apple products coming out soon to hit the store shelves it is a sure bet that those wise investors who put their money invested into to tech stocks like Apple will see the dividends share price make them very wealthy this quarter of year 2011. I am a firm beleiver in solid investing strategies like using tech stocks as a platform to leverage profit. If you buy good dividend paying stocks you will add value in your portfolio especially if you do it on a up swing in the market. Recently market data has been poor proformance in many different areas that used to do well. Hold strategy is not dead but it is better to not do this strategy unless you are only care about your monthly dividend check. Proper investment requires lots of research into what solid companies are a good value. If you do investor pulse on the market you will get to see what way the is going if you are a smart contrarian. So fix your eye on doing this investment decisions on good data instead of using your heart and running with the bulls on wall street..

Business Journal Update Week Of Oct.3,2011

Video Added and Important News

I just want to note that this blog has come a long way from being a rank of nothing to finally adding video to it weekly now. Wow, folks that is really quite a jump forwards towards pleasing and keeping my readership you all out there around the world happy. Well, It sure is a learning curve doing this blog and I have come to the conclusion that more work is needed to be done to get to the blog where I want it to be as a respected news source. I am committed to constant improvements on it and as you see already I have added a new dimension to this blog by adding video and more commentary on it. So keep checking back as I tackle the news and important issues of the week that hopefully will interest my readership and keep the coming back for more of this blog. I want to let everyone know that you can call a new phone number for my new media company (Norton Media Group Co.) and leave comments about this blog and my talk show.. The phone number is (727)-487-2060 and that is a business number anyone can use or email MODERNPOLITICAL@GMAIL.COM ....  I am also in the process of creating a paying newsletter that will be available hopefully next month for anyone to subscribe to online and available on a email system of some type but I am figuring that all out presently how that will all work out for doing this new project. So lots of new things to do and in between my business ventures,talk show,market trading,publishing and music just to name a few things I will get this newsletter going and get it deployed soon..

Have a great day everyone .. Smile...



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Business Journal for Week Of September 27,2011

Wall Street Investing

Well, It is another ho hum day on wall street today as the doldrums continue in financial markets with most everything losing traction on the Dow and NASDAQ composite indexes. If you want to make money in a market like this one this month you better get your pencil ready and do your homework really good. It sure does not hurt to keep a pack of tums next to your bed and desk to ward off the restless market syndrome you are going to have before closing bell each day. You see with this kind of market down slide and then sharp jerk up before closing bell at the end of trading day you could play long ball on your game. If you are a good contrariety investor then only do it if your investing in dividend paying stocks that offset market panic swells when the investors hit the exit door. I am always fond of trading on the down swing in the market so you can pick up some good cheaply beaten down stocks and bonds at a below fair market value. For with this strategy by doing this you are going to severely increase your profit potential when it is time to hit the dump button at the top of the of swing up hill on the stock or bond. You got to be proactive on this way of trading on a uneven market and use your available tools to achieve real time strategic success on wall street investing. I have said it many times before but it is worth repeating here that if you don't have the guts and nerve to be a investor then you should consider going back to working a nine to five job making peanuts for yourself. On the other hand if you want to risk it all and want to make money hand over fist in a just a matter of minutes or a few hours a day then you come to the right vehicle to do it. Wall Street is by no means for everyone and it has taken me two decades of learning to come to understand how to correctly invest a portfolio and where,when to do it so as to minimize core account loss. If you think your good at a lot of things you will have a rough ride with investment at first because let's face it the ones on Wall Street don't like new people horning in on their secrets of getting rich and they will do most anything to get you to lose your shirt while laughing at you. In one word money managers are RUTHLESS and that is why they are rich just like bankers are rich too because they guard their wealth and secrets of making it available to a very select few insider.. Market insiders are a complete contradiction to every ones sense of fair game and that is how they keep getting richer by normal peoples ignorance of how everything works on a trading platform. How do you think the rich in investment banking and Wall Street seemingly never go with out a Gulf Stream jet,Armani suits and fancy everything in life? It is pretty simple to see it if you look careful at the whole idea of investing it is a game of chance an big risk involved in doing it but play the game the right way and you gain a quick fortune like all the bulls do or head for the exit door with your crying towel and your tail between your legs. Having said that you can minimize your portfolio risk if you watch for certain signs that the market gives out on a minute by minute real time basis on what ever stock or bond your invested in at the time you trade it. Yes, it is a business and it is a very profitable one at best but you got to learn not to put your heart in it like prize possessions and know when to buy and when to sell it to make your profit quota for that day. If you learn by doing it and minimize your mistakes which you are bound to make then you can make yourself into another Warren Buffet as this is part of how he made himself the richest man on earth. Take my advise it is a good wealth building vehicle that will if done right wipe out all your debt and make you a overnight favorite with your new found friends as being rich does that on Wall Street over and over again..

New Bailout Spending Package

Well it is soon to be a break time here at work so I want to address the new 4 trillion dollar deficit reduction bill proposed by president Oboma. With out getting to much flower in the yeast here it is just going to make things better for all of America when government spends less and taxes all of us working folks less too. It is really going to help American business which will look at this with much enthusiasm but remember how many times they have been promised something and had the rug ripped out from under them. When it is all said and done my thought is that it really is just a smoke screen for new taxation on everyone because now supposedly the US Treasury is going to broke. HelloWashington DC., Americans are saying wake up you can not spend us into oblivion without some kind of pain along the way in economics and the rest of our country becoming the single largest debtor nation on earth. It seems that as soon as most people get elected to office they make a u-turn and forget they work for this country and go to the side of greed not caring who they make the laws about just simple exempting themselves always from it. That is the same attitude of political correctness that has made us a debtor nation with China our biggest creditor in the world and also our biggest threat to our soviernty. You see when we as a nation continue to over spend our GDP and our capacity to pay our bills what do you think is going to happen? The answer does not take a economist to tell you that your stupid and you SPENT yourself broke on all the government socialized state combined with over taxation and killing the business creative people with burdening regulations that drive them out of business. You can not expect to keep business in this country afloat when you tax them into never land and you drive investors way from investing in America. I remember Ross Perot who said that if your going to get America running again you got to cut government bloat and stop taxing and heavy regulating everything and  everyone in this country into being broke which makes sense to me. you see the last round of blind side economics that just happened recently by raising the national debt another 2.7 trillion dollars is just madness. When is the elected people in Congress going to start making the right decisions and reverse the economic pain that is being felt by the rest of Americans? The answer might not surprise you if you are old enough to remember alot of history in America. Congress loves to spend money and write blank checks that you and everyone else is stuck paying for while quite factually exempting themselves from all the wrong that they are doing to all of America. If the Fed would get the monetary policy right and stop monkeying with interest rates that cause flash stock market crashes and nervous investors heading for the TUMS for bad stomach jitters then we could solve another problem. By working on the problems that America has instead of failing to address it you can get a clear direction to go and make a sound policy decisions that put America back to work and back to economic stability. You have to at some point make the right decisions that put America back on a solid ground by doing it or you will fail completely as a nationn and that would be the wrong thing to do for a great nation that our founding fathers so wonderfully created called America. In order to right all the wrong that is being done to current generations and all future generations the right time is now to begin cleaning up our mess and getting our country out of the economic hole we have dug ourselves into by changing how we do business. That is really not as hard as it si to do but we as a nation have to come to terms with our mistakes and start fixing them before it really is too late to fix these mistakes later in the future.. Food for thought to all my readership as to how much you are all going to effected by the coming wave of new spending and taxation in our great nation of America..

My talk Show

My News Update For September 27,2011

My News

Modern Political Thinking

Business Journal

Tax Code Changes

I am writing today to update everyone on the new tax code changes that are being kicked around in the U.S. Congress and by the President which are going to significantly effect everyone in America. Let us start out with how this new proposal will work at it's present bill state without admendements as it is a giant step in taxing corporate America into a higher bracket by adding another 22 percent tax hike to every American business. While not addressing the real issue of government spending gone way out of control in the matter of way to many programs that do nothing except spend tax dollars that are wasted on them. For my readers you can look for the combined income tax rate for personal income tax is according to the now sponsored bill going down by 12 percent in the next year but if your the employer your going to feel the pain of a giant tax increase. This kind of taxation is going to chill the economy and with the allready high unemployment rate at 9.1 percent employers are going to seek to not hire any more new workers for the immediate future until government gets it's act together on controlling spending. If you tax the rich who all make over a million dollars which is also a new proposal then what will ahppen is the loss of blue collar sector jobs that make the goods and services that the rich people buy which is nuts to do that. Of course some tax on wealthy people  is good but not to tax them at 43 percent of their income is just not going to help the economy in America get out of the very serious hole that it is in presently. If you tax corporate America into a position of nearly failure on the bottom line then you will see the back lash over it in the banking and every other critical part of the economy. WHY? Well that is eay to answer in that big and small companies combined are more likely to look overseas to continue in business since tax codes in most european countries like Sweden favor American investment. So the the next thing that will happen is a sucking sound of more current jobs and companies moving their operations over to europe and malaysia which will hurt more deeply here in a worse recession in America economy. By shifting jobs over seas which will happen with the new tax code structure you will have less investment and innovation in America combined with more unemployment plus more need to spend money on government social programs in order to support the people who are effected by it. It results in a losing scenario that will push America into a more difficult phase of government growth and less private sector jobs combined with little to no investment here at home in our economy. You can only think back a few years to when Steve Forbes proposed the flat tax and bingo card tax form on how easy it would be to to get America back on a solid financial footing but sadly it failed to gain the much nedded support in Congress and the White House at the time. It really is part of the solution that both Steve Forbes and Ross Poreout combined came up with that would begin to fix our tax code and all the financial mess.

Business Journal

MODERN POLITICAL THINKING

Talk Show

I have some reflections of doing a new talk show in which is harder than I originally though it would be for me to creating a interesting radio show. Well, Modern Political Thinking is continuing to keep going on blogtalkradio and live on radio stations so I have decided to make some changes in that area in order to attract listeners base. I am now going to offering a new segment part on my show called (TURNING POINT) in which we will be exploring one currently important issue in major depth every week. I am asking my blog readers and listeners to my talk show to email me suggestions as to what issues you would like to see on this blog and hear me talk about every week. You can now Email them to me ..... 
MODERNPOLITICAL27@GMAIL.COM

If anyone wants to be a guest on my talk show please email me and tell me about yourself and what you do for a living. Example.. (Journalist for Time Magazine,Director of POLITICAL PARTY,Federal Reserve Bank President,President Of Major Company ETC..) this would be the kind of people who my shows listeners would tune into on my talk show that is interesting for them.

My Talk Show...

WWW.BLOGTALKRADIO.COM/JOHNNORTON

Radio Stations..
If any radio station wants to pick up and carry my talk show live on air I would gladly accept them just email me at the above address. I am looking for new radio stations to carry my show live with Them to boost my ratings and overall listener base..

New Video Magazine

In keeping with doing a lot of progressive changes that I feel keep things interesting in response to some recent requests to put a video business magazine online. I have started a new weekly video series that everyone and my blog readers can go to now to view it on YOUTUBE. This new weekly segment is called (Business Journal) which is dedicated to business,jobs the economy and much more.. just pont your mouse to the following address..      Look for Business Journal
                                                                   WWW.YOUTUBE.COM/Yaway2

Modern Political Thinking

I just wanted to update my blog readership with some new information about my new talk show on BLOGTALKRADIO.com in which my new show starts this coming Saturday at 1:00 pm. The number you can call to be live on my show is listed below. If you want to be a guest on my show please email me at JOHN.NORTON30@GMAIL.COM and tell me about yourself and why you want to be on my talk radio show.

TEL.  (818) 572-2905

   

Thanks everyone and talk with you live on the air Saturday!!!  

International calls use (011) Country Code then the number...

        

Waste Recycling

Well, I do see some effort to recycle certain items such as cans,bottles,cardboard etc. but in spite of all the recycling programs available by city,town and state waste plants it still does not address the volume and magnitude of the current and future waste disposal problems. Let's us face the facts that as we have grown in technology and become smarter as humans we also have have become a throw away everything society. In fact the really big problem is that we have grown to having a attitude that everything we own including our own life's valuables is eventually disposable so this pose a great burden on on environment.  We have become mostly indifferent in our attitude towards throwing away what is now garbage and the difference in what we value as something to keep. The problem extends to how and what we call waste which goes eventually to a waste site plant for either burial in the ground or in some states which are more sophisticated and burn the garbage for power generation. However the fact is that not all states in America have this ability or even have the money to spend on such a facility that would solve some of our current waste problem. As we grow as a society we have not learn how to recycle the rest of our potential energy sources coming from what we throw away to better manage our earth,air,water and pollution problems. No current plan is in place to address these environmental issues that keep from year to year growing in size but never really being dealt with  properly. We need to build something in many places in America that takes care of all our problems of waste management in a super size project in many states so that we can take a cleaner approach to our waste disposal habits. So far I have not heard any one say that we as a nation ever build such a site and make it use the endless source of waste to generate power and other things that we need in our every day lives. If such a site would be built in certain key locations in America then we could make use of all the garbage we generate every day to better recycle what we throw away into things we really need to survive and prosper as a nation. I have developed this plan and idea of a plant and system to rid ourselves of the awesome problem of how to recycle the items and garbage we don't need and use into something of great value.This is why we have so much pollution is that we have failed to address this problem of proper waste management by not making operational such a plan let alone a real place to deal with this full time makes it a large scale disaster. What we need in order to better manage our waste is to get serious about how we recycle used items and the process all the way to final end product that will ultimately benefit us all now and the future. So how Do we accomplish such a plan and plant? Well, that is actually really a big task but it also very manageable from the standpoint of planning and deployment to a key locations in states that have the vacant land available. If you take a location that is already close to a hiway so that truck access is easier and yet still somewhat rural you would solve both space and size of plant issues as well as environmental impact which has to be fully considered for such a super size processing waste plant. The planning of such a project would take in depth detail research and a lot of study with environmental issues concerns but once that is done you could go on to the construction,development phase. This would eventually make this a viable work horse plant that recycles everything which turns garbage,everything else into power and usable metals,plastics, etc. raw materials for sale in America and overseas. If such a program and plant existed now we could really solve most of our current and future waste disposal and environmental pollution problems that are causing great harm to our environment. By doing this we find a solution to solving one of our biggest world health and environmental issues that cause cancer and other diseases all in one very nice compact package that can make life better for everyone . Deploying such a system would better our health and increase every aspect of our life such as that we would add to the long term quality of life to every American in our country combined with the rest of earth.

New Talk Show

Well it is really great and I am happy to report to my blog readership that I have taken the next step in my quest to be the biggest guru on planet earth. Ok ok.. You can stop laughing now and let me tell you what I am doing with this new medium that I am so excited about here. I am now a talk show host and and my new show is finally out of production stage and is now going to be live online and symilcast on wknbr radio station. You can now listen to my new talk show starting Saturday August 27 at 1:00 pm ONLINE AND ON THE AIR LIVE I will be taking your phone calls and giving my commentary. My new show is called (MODERN POLITICAL THINKING) and you can point your mouse to WWW.BLOGTALKRADIO.COM/johnnorton and you will find me there. I look forward to your involement and comments on my show with a keen focused discussions of current political issues,jobs,economy and much more will be on the show. I plan on also have guests on my show as time  permits and the show grows in popularity so come help support my new efforts to become number 1 talk show in America and worldwide. See you all on the air starting Saturday August 27 at 1:00 pm and this is a 30 minute show consisting issues that effect everyone until then have a really wonderfull day today.

Green Energy

I find that recently I have been reading some articles about the new uses of solar,wind and other green energy concepts to provide clean cheap energy for home owners and commercial usage. In reading these articles I am struck by the lack of total users and producers that generate and use these methods of power consumption. So I like a lot of other American are too much dependant on modern power sources like batteries,coal and nuclear power and the list goes on of fossil based fuels used to generate power. If more effort and resources is going to be put towards green energy then everyone ultimately benefits from it and more people including government,business,home owners would gladly make the switch to this cheaper and more efficient energy sources. The trouble with it that most don't know much about it and it is not generally offered to the mainstream public because of initial investment costs of getting your own system to be off the grid permanently. The cost of the initial system is ranging from $10,000 to $30,000 which makes most people not able to afford it except the wealthy who can afford this for their home or business . Most people in America don't even know that there is several government tax credits and programs that are available to install and use this kind of power production system. The usage and install of such a modern system in what ever application they intend to us it for over the life cycle is actually more cost effective and cheap to use than current regular method's such as coal,nuclear,gas and it does little damage to the environment. So if you spend the system cost and itemize it over the period of say just a decade which is ten years you will see that your actually spending tons less in money and yet you get the same or more user output as compared to the regular power systems currently used. You could use those cost savings to build and expand your own grid using solar,wind and hydro electric power for which you could sell to the grid to generate a fat profit share off of the excess electric power that you don't use at your location. There are some good companies that produce solar,wind turbines and hydro power production systems that have more than enough capacity to provide heat,light,water and more to your home or business and even government location. So why are people,government and business not jumping on the band wagon and getting their own systems and using them for all the power needs? Good question.. Well besides te costs involved of initial system purchase and setup then you run the gamut of very costly licensing and permits that can take months or even years to get approved for with your state,town,city that drives the cost up through the roof. Then you got to get approval from the Public Utility Commission to even run the system because you are now put in a separate category as a power producer which is very heavy regulated by both states and the federal government. I know something about this as my father and I tried unsuccessfully to get approval for a solar and wind combined system in the late 1990's and got rejected repeatedly by the P.U.C. (public utility commission) and we found out the hard way that even for a home owner that every system has to licensed and then inspected regularly by the state. Each system must meet federal and state guidelines for power generation which in in of itself is a dizzy array of mindless regulations and hoops that you got to go through before and after your install and system usage. While each state is a little different everyone has to still comply with everything from the location of the system including it to the usage and maintenance of the power grid production which is all cataloged in a government database which is monitored for rules violations. This is why most people who want to put in such a power system eventually give up on ever installing it  due to the heavy handed approach of government involvement and the sheer cost of installing it and maintaining it. With all this people just are basically forced to go back to the regular grid power companies even if they really want to be self sufficient and not have to pay for some other source of power. When you all add the system cost the fees and then a ten thousand dollar license fee from the Public Utility it really makes green energy is not affordable for the average person and only affordable for a very select few who have the dollars to invest in it . The other reason why so few private power systems are functioning today is that nobody wants to be subject to regular inspections and ridicules regulations by government agencies that give the others who are wealthy big business producers a gift in edge against what would ultimately be their competition. It makes it a elite club of companies that have the dollars to invest and are already a part of a public utility a unfair advantage over those who don't have the financial ability to make a  green energy power system installed and functioning. By reducing government involvement and opening it up to private sector companies and people and introducing more privatization you would make these systems more affordable and more of these systems would be in use today and the future. This all by the way very good for the environment as it reduces green house gas emissions,carbon emissions,freon and other pollution that cause serious long term damage the environment. By selecting green energy as a method of satisfying our current,future needs for power we all benefit more from it's installation and usage. This while reducing our dependencies on fossil fuels such as foreign oil,gas,coal,nuclear which choke our environment and drive up the cost of producing and transmitting power to the customer. It is better to derive a future for all of us by using cleaner sources of energy that do our environment good by not harming it and yet  provide for all our power consumption both in the short and long term in our communities and our nation as a whole.

Jobs In America

I could not resist the temptation to sit here and write about the hardships of getting a pqaying job these days. It seems that everyone who wants to work is singing the same blues about the lack of good paying jobs and how badly they or someone they know is being hurt by it. I know because even though I am employed in many business ventures and a paart time job on top of it the cost of living just eats up all my income. It is very hard for people I know to get employment out there in America because nobody is hiring and that is really causing a lot of pain in everyone I meet and my close friends too with one exception because they are filthy rich. The cost of everything is more expensive than what was even a decade ago and yet the lack of jobs and enough income to sustain ones family and yourself is not their anymore. More people have found themselves displaced by the current economic woes than at most any time in history of the last hunderd years. The fact that when you look for a paying job now that you almost allways have to apply online instaed of a paper application has just made it much worse for everyone. If you are supposed to apply online chances are very strong that you will neever hear from the employer you want to work for since you and ten million other people have applied for the same job. You really have to get luvcky now to get noticed and get that first interview for the job you have applied for and really need to pay your bills. It is the truth that some parts of America are better than others and if you are willing to go there you will get lucky and get a good paying job. These economic booming areas are mostly in the southern states and that is where most people are heading these days because of economics. If you want to live you got to go where the money is and some parts of this country are just awefull like New England states and in the mid western states where the economic unemployment rate averages 13 percent. This rate of people who find it hard to find employment is also the reason why more people are losing everything and forced to live in a homeless shelter or on the street with no place to go. Every week I meet more people who say they wish they could raise the standard of living of the bottom but they can not find any means in employment to accomplish that in their life. It is really sad that theses very same people who used to have a home and a great life now have virtually nothing or nothing at all to claim as property and possessions that they own. Looking at the way job applicants are forced into a pool of available  labor is really unfair to the ones who have a talent or trade that is useable but still find because of eceonomics they are not able to work steady and get out of the whole that they are unfortunately find themselves stuck in not enough to provide for themselves and thier families. The amount of people who are unskilled labor is appauling and those re the people who are first to feel the squeeze of a bad economy. Let us face the facts that if you are one of the lucky few who has a home and has a good paying job or independent wealth you are in a small majority compared to the rest of Americans who have part time jobs or no job and no home at all because they can not afford one. The older past generations never thought or sweated about having a paying job or a home and food etc. because they allready had all that and could eaily keep it for teirentire lifetime. Well things have changed alot since then and from the baby boom generations on down things are much more difficult to even get all what our past generations had and took for granted Now a days the nomal is for most people to have little of any assests and possessions because they have not enough money or no money at all in their pockets. This is really the sad but true way lots of Americans are now forced to live because of how the economics in America have effected every corner of society. We all in America are suffering except for the lucky few who have allways had the finances to weather any economic upheaval. So in cloing we are all feeling the pinch in our wallets and lives and if wwe keep going at our current rate of decline most of us will be homeless and living off goverment welfare the rest of our lives which is a sad but true statement for way too many people presently in America.

Old Blog Revival

I just want to bring to my attention of my readers here that you can now go to my original blog online and I have decided to give it new life. After many years of ignoring it I finally have gone back to publishing to it and you will find many new and interesting commentary pieces on it that you will not find here. Click or Type Link   http://shine.yahoo.com/blog/CLYGPXBQE7OZ3AJYLF77HX7GKU/
I am also in the process of making this blog a more business,travel,investing,news and much more to this blog so as to gain more readers and keep things interesting to my loyal readership. So go check out my personal Blog and look for some good things to come on both blogs sooner. I almost forgot to mention that I am now a accredited journalist on CNN.com and you can find me and  my news pieces on I-Reports now on CNN News so look for me and sooner I will be providing the link to it here so stay tuned.. I am also write as a staff writer with a  news colomn that you can read in a local newspaper and the link is.. http://www.streetsights.com/ and look for me in that newspaper too. More to come so as I get to doing it I will post it here on this blog....

Government Debt

I know that it is on the minds of most of my readers as to what should be done with the government debt crisis in America. I know I have been watching like most people the political fallout in Washington DC. over the possible extending of our fiscal problems due top piling on more debt to shore up the Federal Reserve banking system. In my newspaper piece which you can read at http://www.streetsights.com/ I go into some facts about how our economy is going to faulter more with the increased financial burden of more trillions of debt piled on a allredy hurting economy. I do not go very heavy into the fundermentals like I am going to do here today as my editor at that paper limits my space that I can print in my column. So, heres goes the facts and I am going to spread it on thick here today about our national financial problems. First up is that we can not as a nation of oabout 350 million people can no longer pay the burden that Congress and President Oboma have piled on us. We don't have the money so how do you expect a nation to pay for something that goverment keeps messing up on and that is finances. POINT BLANK.. WE ARE BROKE!!! This great nation is suffering with a lack of funds and our economy is suffering to mostly because we all allow govermment to spend our hard earned money to fund waste programs. This does us nothing as a nation to increase our net worth in trade and every other facet of American economic growth. To do nothing and support foriegn banks,corporations and goverments is just insane meanwhile the majority of Americans are forced to work two or three jobs or be homeless and broke perpetually because no one in this country has the guts in public policy to just say no to more government expansion. By increasing the national debt 2.5 trillion dollars more that is going to really sink our economic system which the elected folks in Congress and the President don't seem to understand that we as a nation are in no financial shape to incurr more debt and cost to us. Some how that point seems to be really being missed is even as technology and inventive that we are we are all hard workers out in mainstream America. But the bulging debt that our government keeps increasing on us as American citizens is just to much for us to handle. I was just reading a story on CNN that says the Congress has agreed to not put more spending cuts in place that what private analists like Fitch and Moody who recommended it. This recommondation to our elected representitives that 4 trillion in spending cuts is greatly needed to just start getting or finanicail house in order was just laughed out the door. It seems that all the elected officials in Washington DC. just want more of the same which is to put off doing the nations business by cutting government and shrinking our expendetures. We drastically need to shrink government like what Ronald Reagan did in the 1980's in order to save money and properly invest in our nations future. Debt my father used to say is living beyond your portfolio and their is no excuse why you should be oweing money tthat you will probabily never be able to pay back. Well, our country should learn from our older generations whether living or dead that you can not spend what you don't have in the fisrt place and so we should not be borrowing money for our grand kids and great grand kids to pay for in the future because we got to have shiney new thing tha cost us billions or trillions. If your goung to get a handle on our financial mess then we got to as a nation of free people and a goverment of elected representitives stop the debt and stop raising taxes to pay for wastefull spending. If we finally get elected people who just say no to waste,fraud and abuse of the American people we will begin to turn our great country around and make it the nation of no debt. This is a big task but in order to make our country great again we need to get serious about how and what we spend money on that way we all benefit from a better future for all of us as Americans.

National Debt Problem

I woke up to more news today that congress and the president have not reached a agreement on solving the financial hemorage that exists in America. I wanted to start this piece out as a nes stry but some how I can not ignore my my feelings about putting our great country of America back to a debt free nation. I think I will put some shocking facts in my piece for everyone to think about starting with every man,woman and child born to this country now owes goverment $40,000 that is real dollars and that is alot of money. I think that if your born to a great place like we are in America we should not be burdoned by reckless spending from our past generations. If you want to spend money you should be  should first save it to be a smart investor but some how goverment in America has a really reckless attitude and track record of abuse of the dollar bill. You certianly would not run a business in the red as our great countries goverment does do or you would soon find your out of business. That is no matter how much your products or services are loved by your customer you still would eventually face a day of reckoning that you have failed. Well in reckoning on goverment in America that day is unfortunately coming for reckless spending and taxation and I for one don't want to see all the people who are going to  get hurt by it. I feel that every American is entitled to a fair shot at living a good long life and not be sadlled by debt. We as a country were formed as a republic and only in the last twenty or more years of my life have I seen a real effort to ruin this republic of America which is wrong to do. Why is goverment spending more money than it takes in in taxes every year? Answer.. We as a nation of supposed to be free people are being enslaved by debt we do not have any say in over happening to us. The second part is to the answer that we are a number two in the world as a debtor nation with China being our biggest creditor which is really scary considering that China has overly vowed to destroy us in every way.  This policy is nuts to be putting our nation at so much risk by China being the almost full owner of our nation and it's economic systems. Why are we as America giving our worst enemy in the world so much power over us and our sovernty? The answer lies in greed and back room deals in Washington DC. that give COMMUNIST RED CHINA everything they want and more while the rest of America is told put up with it or shut up and don't say anything. This is a very bad public policy that errodes our nation and opens us up to a grand take over by our biggest enemy which happens to be China and it's allies. We as a nation need to cut the spending to at least even with what the nation needs and get rid of the rest of it so we put our financial house in order. We don't need to be at war with other countries when we can not afford it and we don't need to spend borrowed debt on $100.00 screwdrivers and the latest gaimmicks and programs that do nothing for us. It is time we bite the bullet and get to cutting out goverment waste and abuse of our resources so that we actually are giving ourselves and future generations a better life instead of ruining it for all of them. I know that most would not want to read that we are in real danger of our goverment collasping due to too many years of blank check and reckless spending in goverment on all levels in America. I come from being born in the late sixties and I have seen many changes both for te good and for the bad in America but our leaders in America have this attitude that one they get elected they no longer have to abide by anything which is a uniform mentality and way of doing business. These very same elected people are too busy exepting themselves from the very same laws and economics that all the rest of us in America have to suffer with which is really wrong. We need to make a sound economic plan and stick to it so that we as America no longer are by latest figures by the U.S. Treasury Dept. 156 trillion in total debt . The rising of our national debt rapidly by the end of this fiscal quarter we will achieve about 175 trillion dollars debt total is really appalling for all of us as a nation to be burdoned with as a country and a great people. If we take bold steps to rain in the spending and start a saving plan in America we will turn our country into a debt free nation and a global power house that we can be if we get the guts to get the job done and shrink goverment on every level to a manageable size which would make it better,smarter and better run organization. Here I have outlined some things that can be done to get our country back on track and make our country a industry power broker like it once was in the last century and later. Let's stop bickering about the job that has to be done by shrinking goverment and get our financial mess cleaned up so we can get our country moving again as a business,country and a free nation of people.. This is a really good plan to start with here that I have put for open discussion that can be modified and added to as needed. I welcome comments on it from my readers and hope that it is taken as a serious plan for now and the future of America to improve a great nation that we certianly are and hope that we continue to be in the future.

Business Outreach

                                                             Business Outreach

Getting into looking at how and who in business does reach out with their brand of supporting community develeopment. Business as a whole is allways very active in promoting housing and work based programs that increase both thea awareness and financial support of social community programs. These programs such as Habitat For Humanity which builds homes for the under privilideged and the United Way Homes for Life Program are all good examples of business and the community working togethe. By bringing these needed resources and the financial backing of the more wealthy companies we build a partnership to solve community problems in both urban areas and the rural popolulation too. Business can through enterprise zones and wealth generation bring more change with innovation than can most of what goverment do on this kind of basis. The Innovators and CEO's of all size companies contribute a combined total of 83 percent of all donations to community sponsored reinvestment programs such as the ones I previosly listed and many other that I have not listed too. Forbes Magazine ranks Fortune 500 list companies that share and contribute the most to community reinvestment and new develeopment by a ladder profile. These companies like Mac Donalds,Star Bucks,Penara Bread, Exxon Mobil,CVS Pharmacy,Shaws Supermarkets and many others contribute more per capita in donation and sponsorships than all the others out there according to both Forbes And Fortune magazine. Most Chambers of Commerce and local and national Business groups are heavy involved in civic development and support of charity and community reinvestment. With the joining of business and civic organizations together it is better able to address and manage problems both at the local and national level when their is a need to be filled. The engine of business is the leaders and problem solvers who can put forward both financial and intellectial resources to get the job done and solve the commmunity needs at a more efficient and greater stable platform than can most any other vehicle do that is available. To be realistic Looking at past data from Bloomberg Online business can step into to fray and be the catalyst for great changes in community affairs with out a blue print to start with. It can offer a fresh out reach to community leaders and give more suggestions and solve problems that otherwise would be left to the back burner or never tackled at all. Partnership in a world of every day change means that you can have both businesses and civic organizations work together to achieve common goals that solve issues that beneifit both sides. By doing all this you achieve a better system of commmunity and through private business outsourcing and in partnership with civic groups. You are then able to grow a very nice urban or rural landscape that is both astetic and funtional while also creating new jobs and homes where more people will want to stay and raise their families for all future generation to come. Business is allways the solution and will continue to be the ones who reaches out to better everyones lives in concert with government and civic organzations we can grow a better future tommorrows..

Birthday and Business!!

Well it is my birthday and I am now 43 so as I sit here working it is time to celebrate my accomplishments and that of other people that have helped me get to this age. I wish to thank my dearly loved now ex wife Michelle for all the two decades of love and very interesting life shared together. I want to thank my parents for the support over the years that really made a great difference in how I turned out being a Godly man and following Jesus Christ and the Holy Bible. I wish to thank my life long friends who have stuck with me such as Fred B. and David McD. and all his family and even those lost friends I don't get to see anymore such as Jeff Mc In.. and so many others that have moved on or died. I thought I would also pay tribute to my parents dog Lester who for 24 years of his Labradoor life brought joy to me and my family and so too my very much loving Loso Apso dog who brought tons of joy to my life and Brownie who saved my life so many times from terrible things that I will never forget you either as my best friend too. To my current dog best friend I thank you Buddy for being there for me and sharing all the good of life and interesting things perticularly food. I want to thank also all my business associates,partners,affiliates and to all those in business who have mentored me to become a better and bigger business. All those with the idea of sharing my knowledege to the those who have never had the joy of being involved in creating and growing a business in this great country of America. Thanks to my readers here to for watching and reading my content as that helps keep this blog running.. Have a very Blessed Day Today!!!

Product Review For June!!

I think that these batteries are really great and they last longer than other cheaper batteries available on the market today. They are worth the investment and you will not be disappointed in how they work for you so a good value for the price of them..

Movie Review For June!!

I could go on for hours about how great this movie for which it really is and book trilogy really is great but you just got to buy the books first then buy the movies. I promise you will get hooked on the books and the movies just make it come alive a whole entire world of magic and kingdoms. This is really Hollywood at it's best and the writer of the books just is a really awesome at doing fiction novels. I give this Two Thumbs up and a Pulitzer Prize for fiction to the author and to the the maker of the movies a Golden Globe for best movie of the year.

Movie Review For June!!

Well this movie has all the components of a great thriller with Matt Damon and the whole cast doing a great job of acting in this movie. If you want action and lots of special effects then you must get purchase this movie and watch it and invite your friends over to see a great movie. I give it two thumbs up and Matt Damon really made the caracter come alive but some of the other parts were not as well written for the other actors and so you can see that they did a great job with the cast of caracters.

I listened to this audio cd and while it is not allways the type of things I like to get involved into listening to but I did find it interesting. It is a little dry for my tastes but still worth the purchase from Amazon and good for those days when bored to curl up to warm cookies and a cold glass of milk. This will for the right person keep you entertained and you can share this with a good friend listening to this CD at the same time..

Book Reviews For Month Of June!!

I find this book to be both compelling to read and unique in how it leads you into a great story. I have to put this on a must read list and well worth buying it from Amazon or dowloading it to your Kindle reader.

Population Changes!!

In doing current analisys of how the demographics of the United States with a current look into the state in which I am living presently I find that the population of this state and Country has changed alot in the last 3 years according to U.S. Census Dept.. More hispanics have moved from other countries to this state and on a national average have grown by 21 percent just in the last year alone to become the second largest population in America. Minorites also have become the face of long term unemployment who has shown increasing growth in the effect on social welfare programs by being dependent and not enough of them are using welfare to work job training programs. They are prodominatedly suffer descimination as due other minorities due to dealing with these language barriers to employment and housing due to the fact that we are a english speaking country. Yet the education available to this group and all minority groups is very limited because their is not enough available to hispanics and other minority groups to enable them to get a better education and thus able to become employed . The average minorities in this country usually never gets past a high school education and thus is very limited later in life by the lack of higher education and is stuck with lower paying jobs that do not allow them to have the ability to purchase a home or other basic needs. This is why most minorities now make up the fastest growing sector of homeless or either under employed or totally unemployed in America according to CNN News reports. Language training classes in this state and America really are not readily available to the average minority because these classes are very expensive for the allready under priviledged poor minority groups which makes them veunerable to being left out of housing and good paying jobs. More minority people in general have immigrated to America and to New England states in perticular because of a better job prospect until year 2008 when the economy hit rock bottom. So with these bad economic times and other barriers to jobs and housing in urban areas minorities are feeling the squeeze in the many ways to obtaining a better life in America. The average working minority has to work two jobs just to make a life for them and their families with the cost of food,gas and other necessary items being very costly it amounts to burning the candle working overtime in one or both jobs that they hold just to have housing,food and all the basic needs of life met weekly and monthly. More job training programs and skills based education oppertunities need to be available to ensure a better life for minorities and to improve the overall life of these groups of people in America. If You do this then you also get these groups off of welfare and social goverment programs that are a large financial burden for America by putting them back to work being succesfull employed persons that created usefull goods and services. This is much needed for the poor and under privilidged people of minority status to allow them to better themselves and to be engaged in a creating a better life that is both deverse and brings pride in accomplishments for the work based rewards that they receive every week in their paycheck. Work is allways a better way to a better future instead of dependent on social programs to provide for a good long healthy and happy productive life.

Poverty In America!!

I talk to a lot of people every week and I allways find it interesting to just pick on things of interest. Usually it starts out light and never gets much in depth but lately the thing that is most on everyones mind is jobs and the economy. The fact that according to the Cnn Money most Americans have seen wages frozen while prices of everything has risen to a all time higher level. This reported by the Census Beaureau that the meadium income of average Americans has dropped to a average of $22,000 means that more Americans are losing the American dream of home ownership and sending the next generation to college. Poverty is spreading into the older gernerations where it once really existed to only a very small extent and now is rapidly becoming the normal way of life instead of the exception to the rule of life. These people who once were very wealthy and now find that most or all the saving that they had is gone and are falling through the cracks of life into a endless nothing. The lack of jobs and basic services is sending more people over the edge into dire poverty that is harder to get out because of the lack of help available to the under or unemployed. We have a double standard in which the wealthy get more benifits but the poor get taxed more and burdened by more goverment regulations. This hurts the bottom tear of people who have allready can not afford even a cup of coffee in a country that is the richest on earth. The poor in this country have no where to turn to when the bottom falls out of the economy and since they have little to no savings they are the first ones to feel the economic pain. Then you add on top of it that basically most of the poor working a have a minimum wage job can not even a average apartment of $600.00 a month rental let alone even buying or renting a house it leaves most to people to turn to goverment funded programs to survive. The more I have talked to people the picture I get from them is one of total disapproval of what is happening in America with the economy but many good ideas on how to solve the current ecomnomic woes. The second thing is that most have been forced to quit work or have given up on it all together on finding a good paying job and have in order to survive they have become dependent on goverment programs such as SSDI and SSI and GPA which have forced them to be more dependent reluctantly and not want to better themselves. The unemployed and working poor have no voice in America anymore like they used to have with unions and employment training programs of the past in which helped put people back to work and being self sufficent. Most of these avenues of the poor people in America that once were funded programs have been shut off more recently because of the lack of funding for these graet programs. This has caused a lot of pain in terms of overall health and longevity due to lack of basic services available to them. We are also a country of aging popluation that is both more dependent on government services and less able to pay for basic needs that is what it is to live at the bottom of the economic spectrum for most poeple in the last 30 years. If you live a average life in America you are one of the lucky ones but then chances are you know many other people have not got all the comforts of even a home as you do and that is unfortunately what as a great country we have come to being about in the 21 century..

Buy this unit it is a great book reader and the price is very reasonable from Amazon and you will not be disappointed in this nice piece of electronic gear. I have tried it and think it works very well and is very light weight for the small size that it shipped by Amazon to you.

Book Review..
This book is worth reading and is well written even though for me I just had to put it down a lot because the story made me feel bored and so based on that I was not actually into to reading it..

Business in a Box!!

I just got up early this morning and immeadiately got to thinking about how business is like a box in which you package it correctly and it sells what ever product or service you want to market. The idea is ammittedly quirky but then all business solutions are just that type of thing anyway. Well if you want to market a product or service and get your customers to notice them you got to package them correctly. The knowledge of your product or service must be very good before you engage in selling it to your customer base. I  want to show here the new business start ups how to get your business going and what you will have to do to accomplish that task. Most new peple to business have very little idea how much paperwork and time invested is involved in setting up a new business. so going on that premise I think I will get into showing you how to get started in your own business from a prospective of my own experiance of building business and fortune 500 companies. The first thing is deciding on what you want to do which is allways the hardest part to do since there is so many choices out there to choose from these days. In this technology driven age most business start ups have some kind of techonolgy attached to them which is going to be the back bone to there new business venture. So let us say you are starting a lemon store for example that will sell lemons,lemonade and lemon cups of frozen lemon ice cream. You want top go about and incorporate your business start up to get the tax write off from Uncle Sam tax collector then you better use a 940 form and other forms to get you started but before you can fill out any other forms you will need 600 dollars just to incorporate your business and then you got to got to your state treasury and department of business regulation office to get your sales and use tax forms and state licensing filed so that you are legal business entity. You will also need to show proof of insurance in order to get your paperwork approved and get your licences given to you the same day. The same day you do this you should also file your federal forms so that is corresponds with your stae forms and insurance documents. You will need to be proactive and have a lot of patience doing all thises forms as well as waiting in line for the clerks to serve you at the counter windows in state and federal offices. Well now assuming you got all that done you are now a legal business that is ready to go make money. Your next step is to start advertizing so allways start with the cheap way of doing it and use any means that is free or costs very little such as email  and telemarketing to get you started in your new venture. Ok .. So your ads are doing well and you got some customers that are paying but your still struggling to meet your new bills like advertizing,telephone,business location (office),gas and electric etc. So now what? You got to get radio and internet ads to grow your business so you no longer have to sweat the next bill payments which now come every week. Don't forget to add putting up a new sign on your office or store so that you can be found and make sure you note that location on Google and other search engines. This will help you get to the point where you can start hiring employees to do all the different tasks that that you can nolonger do your own self due to being overwhelmed by a work load. Your point is to build a business that eventually runs itself and you reap the profit benefits and your enterprise just keeps growing and you get rich from it. This is a business in a box type of company that you should be striving for achieving this kind of success. This is just a very simple overview of what you be doing as a single person just starting out in a new venture and what you will need to do to succeed.

Check out This book!!!

This is a interesting look at retirement from a older prospective and well worth
reading it. this book is also worth buying it fro Amazon and is reasonable priced considering the enjoyment you will get from reading this sometimes accurate protrayal of retirement living..

Economic Meltdown!!

Starting this week with some fresh new data to look at I want to share with my readers about jobs,commerce data and other important information. Now that we are at the end of the normal business week being that it is friday it is good to look at in depth what we allready know and what we me might expect in the weeks and months ahead. First I was as all my readers know the first to accurately predict this so called economic recovery as a farce because the numbers don't lie and neither does the GDP (Gross Domestic Product Index) that index shows how much this country has grown overall. It is really a small number that it is awefull considering what we as a nation are capable of doing. I can't understand how Congress is so easy to go along with being bamboozeled by The Fed Chairmen on the data? So I am going to get into some hard core facts here and show you why when I last wrote about those GREEN SHOOTS that The FED talks about they are not being honest with America and Congress is being blinded by faulty data. Well first off let us put everything on the table and so that you can see the data and judge it for yourself. The number one thing is jobs and that is about 14 percent average unemployment depending on which state you live in America and it is harder to live on a paying job if you even have one at all. With 14 percent unemployment combined with wages that have actually decreased steadily over the last 12 years while inflation has steadily risen by 41 percent over the same period of time means we are all feeling the pinch in our portfolio. In other words the cost of living is more expensive than it was even last year by 33 percent and real saving is down due to higher prices for all goods and services. The dollar valuation has also taken a big hit if you do the math the real value decline to being 86 cents to every dollar bill according to the Commerce Dept. figures. Gas has gone to average $4.20 a gallon and worse for other fuels like home heating oil and natural gas which are seeing record high prices. Here is some other shocking figures that will interest you about the state of American economic health which is failing at a alarming rate.
Just yesterday, we learned that retail sales growth is cooling rapidly and
The gains in employment are slowing. The U.S. Bureau of Labor Statistics reported that wholesale price inflation is rising much faster than expected — up 0.8% in April alone and up 6.8% in the past 12 months!
Bottom line: The scenario presented here is America’s Financial Meltdown
ever-increasing economic pain plus soaring prices — is being played out before your very eyes!

WHY has the Fed just rated the United States a mere two levels above “junk” status?

Is the U.S. really likely to default on its debt? If not, will the crisis end or just get progressively worse?

Is the latest correction in gold and silver opening a window to buy them as a hedge against inflation? What’s the best way to invest in the precious metals?

Specifically which investments are the most certain to rise when the dollar falls?

Should I sell just my long-term treasuries? What about Treasury bills?

How about U.S. Savings Bonds? Municipal bonds? Corporate bonds?

Which investments should I be buying now for maximum profit potential as inflation and interest rates rise?

Does your higher rating on countries like China, Malaysia and South Korea mean I should be investing in their stocks and ETFs as well?

How will soaring interest rates impact the value of my home? What are your recommendations?

A crash in treasuries means that the U.S. dollar would get slaughtered — right? What should I be doing right now to protect my family from skyrocketing prices?

What will happen to my Social Security benefits if the dollar ends up buying next to nothing?

In the worst case scenario, will U.S. stocks continue to trade? Or will the markets be shut down like they were after on Black Monday?

Which stocks will get hit hardest by soaring interest rates and the crashing dollar? Are there any that will actually BENEFIT from this crisis?


Are my money market accounts safe? How about my CDs?

These questions are on the minds of everbody who is in business and employees as it effects everyone from the rich to the very poor in America. This is only part of a larger problem which include Real Estate property values going into the tank and consumer spending going at a snails pace. This is combined with the largest national debt ever recorded at 154 Trillion Dollars in national debt and we are still writing more rubber checks and debt to fund just even paying our debt payments as as well as other pork pet programs that we don't even need. To sum it up we either get our financial house in order in this country and start bailing our country out of the red ink debt load we carry or we are going to really regret not doing the right decisions now later on by our own generation and the next few generations beyond us. Hope everyone has a great day and enjoy your weekend.

Business Location Value

I want to talk about the most important thing in your business and the future of it this in this post. everyone might think that if you just happened to put a certian type of business in a location that you like does not allways mean that you are going to be a success. It is really more important to do a lot of research on your demographics and who your prospective customer base is going to be and what they might buy so you can choose the right location and business that fits that specific location. I am thinking of it from the point of any new business start up that wants to succeed. Not allways do things work out the way you want them to but you can make a big difference in what pofitability that your going to have both in the present and the future. So the location of your store or what every type of business you are starting into is really critical to it being a success or failure of it. The first three to five years is where most people either give up on it or go bankrupt doing their new business venture based on real statistics. Most new people that start a business make this poor judgement on location and never do the proper research on who is going to be buying the products or services. Think that big companies don't do resaerch before pouring millions or even billions into that loaction think again because they analize every aspect before putting even one cent into buying the land or existing building. I thought I would give some solid advise base on exsperiance of my ventures and other business people. So you want to be a success and you don't have much money to spend to get your new venture going? That is ok because most new business people don't have alot money available so that makes the choices more limited. But what it boils down to is lease,own or rent what ever the case may be do it with a level head and take your heart out the equation so that you make the right decision. Your future really depends on what choices you make and who you get in your network of business support. So why does location and network have to do with being a successfull business? Well they both are intertwined because they are both needed to bring your business into getting out your message that you are here to make money and have great place to come to and fantastic products and services that you can offer to your customer base. So in closing if you think smartly and choose the right business and location combined with a good message and network of people then you can start making money that is going to bring your business up from nothing into a well respected vendor of quality and good customer service and great products and services..

Stock Market Data!!

Well after pouring over data from the analysts I want to wiegh in on the new emerging market. Question are we on a doom and gloom curve or is this really a turning point for Wall Street? I have covered many different types of of ups and downs but this one really is very interesting to me and it should be to all of you too who read my blog. The reasons are not allways obvious to the naked eye but they are still there if you want to go through the pain of analisys of it. Yup the makets sure has been giving some unually different signals lately and not many of the gurus got it right except for me. I said last time that we are going to have a short period of sunny economic data and then we are going to see a even worse crash than we ever had before except if Congress cuts out the redicules spending that it has been doing. This sudden growth is unfortunately only short term and we still have the worst budget deficit in all of our history of America. That is just one factor in the larger piece of the pie which does not include the facts of the other economic woes that are hurting us all. Let us start out with the other facts likes falling home values and prices and credit is very tight and hard to get from lending banks and credit card companies. Ok most people would say that is not great but we can manage that over a short term policy change in the FED Bank and tax structure. But wait a minute before you get to far in to the sun you got to see the red ink thatwe all have to deal with both in goverment and in personal budgets. You see that over the last 30 years the average rate of saving in this country has steadily declined while wages have also either stayed the same aor in most cases lost value maening the average middle class working wage is not kept up with inflation. Oh man that old buzzard is back and that is called inflation and it is increasing it's grip on the pocket of every working man and woman including businesses and investors. Simlple put into prospective we are all having to pay more for everything while we get less value for all that we buy. I could not help for instance a guy I met in passing at the local gas station who complained about the price of a gallon of milk and eggs as well as $4.26 a gallon for gas to fill up his car which was echoed by another woman standing on the opposite side of the gas pump after I was walking past her pumping gas in to her SUV truck. Just think if we are all feeling squeezed now and think about how business is doing with this new sunny but volitile economy? Well mixed review I get from talking to other company CEO'S who welcome the good news that they can plan on maybe expanding and Wall Street seems bent on pitching this new green shoots as a turning point in a better economy to come. The facts of dat don't speak to that at all and any shrewed business CEO knows that it is time to wait and see if this will last any length of time for economic recovery. If history is any judge then we can all see this robustness in data and the results are sadly fleeting given that businesses in this country has been through this all before and have no disire to get burned by Wall Street and FED bank hype. this is really more a overdue market correction which should have happened last year but failed to happen due in part to goverment bailouts and shoddy management on Wall Street and the list goes on of the woes we suffered through last year. The climate of business and investing this year has been a little better but we are still over shadowed by debt burdons in goverment and the private sector companies who are struggling to pay down the amount of debt owed and still remain functionally liquid. You just need to look at this new growth and see how many millions of people who are still losing their homes,savings and yes businesses to see how hard it is to have such a rosey picture of a growing economy. I am not going to sit here and say that all this sun is a bad thing and actually it is great just to have it but we still have a rough economic climate for investors and businesses to expand and to pur money into a emerging growth economy. With all the maket signal ponting both ways it is hard as a investor to decide what way the wind is blowing these days but one thing is for certian you had better read your data and play it conservative so that when the next shoe drops and it will your not going to wipe out your a part or your entire portfolio. So you ask where should I invest presently and how much should I do that? Get the latest market data and it clearly points to energy and telecom stocks as well as raw materials such as corn and sow beans but also to going big on certian technology makers that make circuit boards for aerospace and mobile phones. Stay away from bonds and the Tresury FEd T bill notes for now as they are a poor investment. By following this advise you can not lose your money ...

Business Travel!!

I thought I would do a change of pace for my readers here and touch on a subject that is on everyones mind these days. That is the cost of travel in perticular business travel which I as a Executive happen to know a lot about since I have and still do travel a lot for work as a executive of my own company. I just got to doing some research on this over the last few days and wanted to share soome interesting data on business travelers and their attitudes. Like for instance did you knoiw that the average business person is online on a weekly basis almost 12 hours a day every day of the week and on weekends the mobile phone with mail etc. is a constant useage. How about the fact the fact that on average business people travel about 30,000 plus miles a year by ground and air travel. Well that shows you how much the pace of business has changed to be more demanding and faster pace. This is why the averaage executive in a high level position now a days only lasts only ten years and they are burned out both physically and mentally. The sad thing is business people suffer the worst decline in average life span because of stress and worry which in turn effects their overall attitude and proformance. Being constantly moving and juggling too many things at the same time does have a short and worse long term effect on your body. Technology has made it so you have no time off in most cases and this is why so many get to mid life and look like they are 100 years old yet they are olny 45 or 50 years old. Statistics are sometimes not always accurate but the facts speak for themselves that the higher the level is in business the faster the burnout rate is with corporate types of people. We live in a day in age of conastant change and the only way to succed is to becoe one of the movers and shakers in business or be left behind by your business peers. I know how most CEO's are feeling cause I talk to them all the time and they have the same list of certian compliants as I have but if you want to succeed then you go to either go with the flow or get off the moving train that is the facts that everyone in modern business has to deal with now. The reality is being is business and a growing company is a challenge in of itself but you add the daily problems and other things like email and board meeting and constant phone calls and more then you begin to see the strain by the time friday morning comes to having to go to the office. That is not the half of it to for many people in business just end up losing it on customers or employees because they are so tired by the end of the woork week that they only think about when is my next vacation and where am I going to get away from this maddness hectic job. Yes vacations are great but you know that will only solve the problem for a short time and the only way for it to stop burning you out is to retire. The sad part is most peopele in business today don't have the luxury of retiring because of the economy being so poor and have a family and bills to pay so they are forced to keep working well into the age 70 or above now a days. It is the sad situtaion that most business people now that retirement is only a far fetched dream that they hope to achieve some day before they die. To be in businees is a full time comitment but it can be fun and intetrewsting to if you pace yourself and take short breaks during your day that is the only way to become less stressed out and more a effective leader in your company. Trust me your employees and customers will apreciate you more for it and being level headed makes the decision making process better and quicker which helps everyone have a better understanding of where your going and who your networking with on a weekly basis. Take time on your business travel to smell the flowers and enjoy where you are evevn if it is just getting a cup of coffee and a short walk t the local store if there is one close by your area as this will help you refocus your mind on the tasks at hand in your work day ahead. Allways book your travel plans in advance so you can change them if you need to and be on time for everthing is the best way to be a good corporate traveler and a executive of your company.. Have a really great day now and enjoy your week end!!!

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Market Swing!!

Hey everybody hope you all had a great day trading yesterday and made some dough doing it. I just wanted to throw some soup on the hot fire and sip my cold drink as the data pours in at mid day. Wow oil is hot today and look who is cleaning up well what do you know if this company did take take tarp money and be bailed out the story would be different today. Goldman Sachs (GS.N) rocked oil markets for a second day on Tuesday by calling for a near $20 fall in the price of Brent crude oil in the coming months, saying speculators have pushed prices ahead of crude while demand increased. Can the rally continue? Sure it can but it will be a short term rally before you see the course correction and prices will top out at 116 dollars a barrel then reverse back to 80 dollars a barrel before summer hits full swing in most of the countries. I see this correction due to external political problems in the Middle East and lower oil reserves here at home in America. I think the glut of crude oil that is now in storage and also being pumped is going to run low sooner then the market will have a knee jerk reaction to the this and you will see institutional investors first running for the exit gate. This is a good sign of a beginning worsening of the economy as well as spending on consumer goods will also slow down more than it already is at current date. Overall current market data suggests that by mid summer prices on everything from bread to gasoline will continue to out pace inflation by a two to one margin and orders for new products will climb only slightly for the mid quarter of this year. Gold continues to top the list of good investments and so does some commodities such as corn and sow beans used to make alternative fuel. This year so far is a mixed bag of some rally by the bulls on good days on Wall Street but mostly with the Macd chart and Candle Sticks charts topping out much lower than other years we are all in for a rough ride so far this year. Be careful to chart the better companies like YUM Inc. and Microsoft,Verizon are all good to buy into but watch your dividend shares as these companies might have stock splits in the future and you can profit very well from them. If you watch the ratings on Moody,Barrons,Morningstar you can get a real sense of how far the stock or fund is going to do and when to buy and sell it for a good price providing you include your research with your tracking charts to complete the picture of the proformance. Well hope you line your pockets today and have a great day...

Market Investing!!

I want to step up to plate today and look more in depth into the stock market and show you how to make money. The old addage is still true you buy low and sell high but in a ever constantly shifting tide on Wall Street you dont want to go running with the bulls every time the herd goes big into one market or more market areas. Thinking more sensible is a better way of doing it don't follow the herd and be a leader by sifting through the data and going against the market leaders is sure to line your pockets a lot faster than if you follow with your herd and heart and feeling,when the herd is shifting it's position. To be a smart investor is to buy on the dip or watch the bounce much like a ball and get in on your pips when the candlesticks show you to buy not when you try to read the market crest or the market will beat you every time. If you follow simple logic then you stand to gain handsomely from not following what all the other guys are doing. This is really the first rule to investing in a volitile market where you can make a fortune or lose your shirt if you don't follow the rules. Rule number two allways and I can't say it strongly enough read the MacD and also chart the earnings reports for every stoc or bond fund that your vested into so that your not going to get some nasty unexpected suprise like what happened with Bears Stearn and Leaman Brothers when the stock went into the tank and lots of investors lost very big those days when it happened. Rule number three to be a success in this market you have to treat it like a business and that means refer to the other prior rules which includes in perticular not using a buy and hold long term stratergy. If you short your stocks and options on a time frame of one day to 90 days maximum then you reduce your risk by half which will improve your portfolio and keep you vested longer with a good growth margin. This is the best way to do market investing I have found and if you learn these techniques then you will beat the market by a 8 or 10 to 1 margin every time while reducing your cash flow output. I know this sound very technical but follow these steps and your wwell on your way to make a fortune on Wall Street and why not all the other mover and shakers are doing this so you can do it to. In rexcent month the bond maket has been in the tank and the T-Bill and other bonds have declined so they are not a good investment in the early part of this year. The tech stocks have done better in some areas with Facebook,Microsoft, and Verizon leading the edge of higher earning but still the overall sector is a mixed bag right now. Just look at the data the bigger companies are down sizing and merger are the normal way of business becoming like hot cakes on a griddle in order to stay in business this is how they are reacting to the the global shift in technology and manufacturing. Consumer Goods index is showing a slow down which means that manufacturing is being hurt by the loss of revenue which in turn effects everything else including employment. If you look at the current employment data along with consumer lending and credit by the nations bigg3est banks you start to see the overall picture that your better to short your stocks and buy into gold ETFs then buying into the tech giants like Apple right now. That is a smart move currently to do since the next quarters economic data is not out yet so it is better to wait and watch everything before jumping both feet back into a market the will burn your portfolio to seared lobster. Granted there are some good buys out there and if you can buy them on the dip and wait for the short bounce and sell them high then do so knowing that the risk is still there but at least your minimizing them to your portfolio. Allways hedge your risk and do your research before you buy in to any security on the market so that way you go in with your eyes open and then you keep your business running smoothly with positive growth of at least 6 percent a quarter. Investing is a good way to promote wealth at what ever age your at just you have to be smart and keep your feeling out of it at all time that way you win. Have a really great day and read more again...