Comment on Ruby Gettinger: Where is she now and what does she weigh? by Dawn        
My highest weight was 330 lbs. That was my "bottom" as they say. I decided that I wanted to loose weight and I did. I made some lifestyle changes that I will have to follow the rest of my life. Diets don't work because they imply that you deprive yourself, get down to your goal weight and it's over HA! that's just the beginning. If you don't change what got you to 330 in the first place you are just going to go there again. No soda, lots of water and small meals more frequently spaced out no more than four hours and you will see results. Everyone knows what they need to do. You don't need to spend money on books diet centers or anything like that. If you want to spend money invest in a gym membership, but you don't even really NEED to do that as well. Good luck peoples :)
          Comment on WAYNE_lo_res by Jeanette        
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          By: Leo        
The real forgotten drugs are compounds that can't be patented or where patents expired. They might be very useful for treating diseases different from what they were originally used for, but no one has any interest of funding clinical trials for these as there is no money to be made.
          By: Anon2        
While incentives are nice, pay usually comes down to market forces. For those of you on the clinical side you will see medical doctors make a ton of money, but not really contribute very much of anything, beyond adding their credential to a protocol. They mostly regurgitate what they can from MSLs. Then the present clinical data to basic scientists and basic science data to clinical folks (so to each party this MD is looked up to as someone who is filling a knowledge gap). The best incentives for early development folks would be a priority class of stock options/shares. However the VCs usually prevent that from happening.
          The Invisible Belt Invisibelt        
No more unflattering bulge from bulky belt buckles! This flat, undetectable and adjustable belt instantly gives you a sleeker, slimmer look.

I saw this on the MSN homepage. It is a clear plastic belt, similar to lingerie straps, which has a flat hook instead of a buckle. It holds up your jeans or pants, but doesn't make that "buckle bump" which shows under tops worn untucked.

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Oliver Allen
http://invisibelt.blogspot.com/
          Analytics alone won't save money for healthcare facility owners        
none
           Rail Delivery Group's new app will save digital railcards         
Once rail passengers have a digital version of their railcard stored on the app, they will be able to use it to access money off train tickets without having to worry about the paper version.
           Why did Extra Energy set debt collectors on me?         
Holly Casswell (pictured) paid the amount being asked for by the debt collectors, and then Extra Energy told her it was an error and the money was due from the previous tenant.
          '..If you can’t see this next crisis coming, you’re not paying the right kind of attention .. Financial politicians..' (no replies)        
'..If you can’t see this next crisis coming, you’re not paying the right kind of attention..'

'This Fed has already engineered the next crisis, just as Greenspan kept rates too low for too long, ignored his regulatory responsibility, and engineered the housing bubble and subprime crisis. If you can’t see this next crisis coming, you’re not paying the right kind of attention. The Trump Fed is going to have to deal with that crisis, but we still have many questions as to what a Trump Fed will actually look like or do.'

John Mauldin (Source, Jun 25, 2017)


'..Their empathy circuits get turned off.'

'Powerful people everywhere routinely make decisions that hurt others. We see it in central bankers, politicians, corporate CEOs, religious groups, universities – any large organization. The old saying is right: Power really does corrupt. And corruption is a barrier to sustainable economic growth. This is more than a political problem; it has a serious economic impact.

Recent psychological research suggests that powerful people behave remarkably like traumatic brain injury victims. Controlled experiments show that, given power over others, people often become impulsive and less sensitive to risk. Most important, test subjects often lose empathy, that is, the ability to understand and share the feelings of others.

..

Powerful people also lose a capacity called “mirroring.” When we observe other people doing something, our brains react as if we were doing the same thing. It’s why, when you watch a sporting event, you may unconsciously mimic a golf swing or the referee’s hand signals. Some portion of your brain thinks you are really there. But when researchers prime test subjects with powerful feelings, their mirroring capacity decreases.

You can see why this is a problem. The Protected-class members of the Federal Open Market Committee must feel quite powerful when they gather in that fancy room to make policy decisions. It’s no wonder they forget how their decisions will affect regular working-class people: Their empathy circuits get turned off.'

- Patrick Watson, The Wedge Goes Deeper, June 30, 2017


'..I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest..'

'Re-entering the news flow was a jolt, and not in a good way. Looking with fresh eyes at the economic numbers and central bankers’ statements convinced me that we will soon be in deep trouble. I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest. Just a few months ago, I thought we could avoid a crisis and muddle through. Now I think we’re past that point. The key decision-makers have (1) done nothing, (2) done the wrong thing, or (3) done the right thing too late.

Having realized this, I’m adjusting my research efforts. I believe a major crisis is coming. The questions now are, how severe will it be, and how will we get through it? With the election of President Trump and a Republican Congress, your naïve analyst was hopeful that we would get significant tax reform, in addition to reform of a healthcare system that is simply devastating to so many people and small businesses. I thought maybe we’d see this administration cutting through some bureaucratic red tape quickly. With such reforms in mind I was hopeful we could avoid a recession even if a crisis developed in China or Europe.

..

One news item I didn’t miss on St. Thomas – and rather wish I had – was Janet Yellen’s reassurance regarding the likelihood of another financial crisis. Here is the full quote.

Would I say there will never, ever be another financial crisis? You know probably that would be going too far, but I do think we’re much safer, and I hope that it will not be in our lifetimes and I don’t believe it will be. [emphasis added]

I disagree with almost every word in those two sentences, but my belief is less important than Chair Yellen’s. If she really believes this, then she is oblivious to major instabilities that still riddle the financial system. That’s not good.

..

Financial politicians (which is what central bankers really are) have a long history of saying the wrong things at the wrong time. Far worse, they simply fail to tell the truth. Former Eurogroup leader Jean-Claude Juncker admitted as much: “When it becomes serious, you have to lie,” he said in the throes of Europe’s 2011 debt crisis.'

- John Mauldin, Prepare for Turbulence, July 9, 2017


'..Market distortions – including valuations, deeply embedded complacency, and Trillions of perceived safe securities – have become only further detached from reality. And the longer all this unstable finance flows freely into the real economy, the deeper the structural maladjustment.'

'This week marks the five-year anniversary of Draghi’s “whatever it takes.” I remember the summer of 2012 as if it were yesterday. From the Bubble analysis perspective, it was a Critical Juncture – for financial markets and risk perceptions, for policy and for the global economy. Italian 10-year yields hit 6.60% on July 24, 2012. On that same day, Spain saw yields surge to 7.62%. Italian banks were in freefall, while European bank stocks (STOXX600) were rapidly approaching 2009 lows. Having risen above 55 in 2011, Deutsche Bank traded at 23.23 on July 25, 2012.

It was my view at the time that the “European” crisis posed a clear and immediate threat to the global financial system. A crisis of confidence in Italian debt (and Spanish and “periphery” debt) risked a crisis of confidence in European banks – and a loss of confidence in European finance risked dismantling the euro monetary regime.

Derivatives markets were in the crosshairs back in 2012. A crisis of confidence in European debt and the euro would surely have tested the derivatives marketplace to the limits. Moreover, with the big European banks having evolved into dominant players in derivatives trading (taking share from U.S. counterparts after the mortgage crisis), counter-party issues were at the brink of becoming a serious global market problem. It’s as well worth mentioning that European banks were major providers of finance for emerging markets.

From the global government finance Bubble perspective, Draghi’s “whatever it takes” was a seminal development. The Bernanke Fed employed QE measures during the 2008 financial crisis to accommodate deleveraging and stabilize dislocated markets. Mario Draghi leapfrogged (helicopter) Bernanke, turning to open-ended QE and other extreme measures to preserve euro monetary integration. No longer would QE be viewed as a temporary crisis management tool. And just completely disregard traditional monetary axiom that central banks should operate as lender of last resort in the event of temporary illiquidity – but must avoid propping up the insolvent. “Whatever it takes” advocates covert bailouts for whomever and whatever a small group of central bankers chooses – illiquid, insolvent, irredeemable or otherwise. Now five years after the first utterance of “whatever it takes,” the Draghi ECB is still pumping out enormous amounts of “money” on a monthly basis (buying sovereigns and corporates) with rates near zero.

..

Thinking back five years, U.S. markets at the time were incredibly complacent. The risk of crisis in Europe was downplayed: Policymakers had it all under control. Sometime later, the Financial Times - in a fascinating behind-the-scenes exposé - confirmed the gravity of the situation and how frazzled European leaders were at the brink of losing control. Yet central bankers, once again, saved the day – further solidifying their superhero status.

I’m convinced five years of “whatever it takes” took the global government finance Bubble deeper into perilous uncharted territory. Certainly, markets are more complacent than ever, believing central bankers are fully committed to prolonging indefinitely the securities bull market. Meanwhile, leverage, speculative excess and trend-following flows have had an additional five years to accumulate. Market distortions – including valuations, deeply embedded complacency, and Trillions of perceived safe securities – have become only further detached from reality. And the longer all this unstable finance flows freely into the real economy, the deeper the structural maladjustment.'

- Doug Noland, Five Years of Whatever It Takes, July 29, 2017


'..This whole episode is likely to end so badly that future children will learn about it in school and shake their heads in wonder at the rank stupidity of it all, just like many of us did when we learned about the Dutch Tulip mania.'

'While I've written about numerous valuation measures over time, the most reliable ones share a common feature: they focus on identifying "sufficient statistics" for the very, very long-term stream of cash flows that stocks can be expected to deliver into the hands of investors over time. On that front, revenues are typically more robust "sufficient statistics" than current or year-ahead earnings. See Exhaustion Gaps and the Fear of Missing Out for a table showing the relative reliability of a variety of measures. In April 2007, I estimated that an appropriate valuation for the S&P 500 stood about 850, roughly -40% lower than prevailing levels. By the October peak, the prospective market loss to normal valuation had increased to about -46%. As it happened, the subsequent collapse of the housing bubble took the S&P 500 about -55% lower. In late-October 2008, as the market plunge crossed below historically reliable valuation norms, I observed that the S&P 500 had become undervalued on our measures.

Again attempting to “stimulate” the economy from the recession that followed, the Federal Reserve cut short-term interest rates to zero in recent years, provoking yet another episode of yield-seeking speculation, where yield-starved investors created demand for virtually every class of securities, in the hope of achieving returns in excess of zero. Meanwhile, Wall Street, suffering from what J.K. Galbraith once called the “extreme brevity of the financial memory,” convinced itself yet again that the whole episode was built on something more solid than quotes on a screen and blotches of ink on paper..

..

..greater real economic activity was never the likely outcome of all this quantitative easing (indeed, one can show that the path of the economy since the crisis has not been materially different than what one could have projected using wholly non-monetary variables). Rather, Ben Bernanke, in his self-appointed role as Mad Hatter, was convinced that offensively hypervalued financial markets - that encourage the speculative misallocation of capital, imply dismal expected future returns, and create temporary paper profits that ultimately collapse - somehow represent a greater and more desirable form of “wealth” compared with reasonably-valued financial markets that offer attractive expected returns and help to soundly allocate capital. Believing that wealth is embodied by the price of a security rather than its future stream of cash flows, QE has created a world of hypervaluation, zero prospective future returns, and massive downside risks across nearly every conventional asset class.

And so, the Fed created such an enormous pool of zero interest bank reserves that investors would feel pressure to chase stocks, junk debt, anything to get rid of these yield-free hot potatoes. That didn’t stimulate more real, productive investment; it just created more investors who were frustrated with zero returns, because someone had to hold that base money, and in aggregate, all of them had to hold over $4 trillion of the stuff at every moment in time.

When you look objectively at what the Fed actually did, should be obvious how its actions encouraged this bubble. Every time someone would get rid of zero-interest base money by buying a riskier security, the seller would get the base money, and the cycle would continue until every asset was priced to deliver future returns near zero. We’re now at the point where junk yields are among the lowest in history, stock market valuations are so extreme that we estimate zero or negative S&P 500 average annual nominal total returns over the coming 10-12 year horizon, and our estimate of 12-year prospective total returns on a conventional mix of 60% stocks, 30% Treasury bonds, and 10% Treasury bills has never been lower (about 1% annually here). This whole episode is likely to end so badly that future children will learn about it in school and shake their heads in wonder at the rank stupidity of it all, just like many of us did when we learned about the Dutch Tulip mania.

Examine all risk exposures, consider your investment horizon and risk-tolerance carefully, commit to the flexibility toward greater market exposure at points where a material retreat in valuations is joined by early improvement in market action (even if the news happens to be very negative at that point), fasten your protective gear, and expect a little bit of whiplash. Remember that the “catalysts” often become evident after prices move, not before. The completion of this market cycle may or may not be immediate, but with the median stock at easily the most extreme price/revenue ratio in history, and a run-of-the-mill outcome now being market loss on the order of -60%, the contrast between recent stability and likely future volatility could hardly be more striking.'

- John P. Hussman, Ph.D., Hot Potatoes and Dutch Tulips, July 31, 2017


Context

(2017) - '..a deeply systemic debt crisis akin to the aftermath of 1929 .. the stage has now been set..'

(Banking Reform - Monetary Reform) - '..debt is our biggest security threat..'

'..the Next 30 Years: “Everything is Deflationary”..'

          '..to get rid of petrol and diesel vehicles by 2025..' - Britain bans gasoline and diesel cars starting in 2040 (no replies)        
'..The Netherlands and Norway previously said they wanted to get rid of petrol and diesel vehicles by 2025 and Germany and India announced similar plans ahead of 2030.'

- Chloe Farand, France will 'ban all petrol and diesel vehicles by 2040', July 6, 2017


'..Dirty air has been linked to cancer, asthma, stroke and heart disease, among other health issues. The problem is especially pronounced in big cities including London.'

'Britain will ban sales of new gasoline and diesel cars starting in 2040 as part of a bid to clean up the country's air.

The decision to phase out the internal combustion engine heralds a new era of low-emission technologies with major implications for the auto industry, society and the environment.

"We can't carry on with diesel and petrol cars," U.K. environment secretary Michael Gove told the BBC on Wednesday. "There is no alternative to embracing new technology."

Gove said the government's air quality plan, which is set to be officially announced later on Wednesday, was needed because gasoline and diesel engines contribute to health problems, "accelerate climate change, do damage to the planet and the next generation."

Roughly 40,000 deaths in Britain each year are attributable to outdoor air pollution, according to a study published last year by the Royal College of Physicians. Dirty air has been linked to cancer, asthma, stroke and heart disease, among other health issues. The problem is especially pronounced in big cities including London.

The timeline for ending sales of internal combustion engines mirrors one proposed in early July by France. President Emmanuel Macron has given the auto industry the same deadline to make the switch to cleaner tech.

"We are quite rightly in a position of global leadership when it comes to shaping new technology," Gove said.

- Charles Riley, Britain bans gasoline and diesel cars starting in 2040, July 26, 2017


Context

'..to Ban Internal Combustion Engines by 2030'

'..committed to 100 percent clean energy by the year 2050.'

(Global) - '..a revolutionary shift to net zero emissions by 2080..'


'Thorium reactor: cleaner, safer and sustainable nuclear energy within sight'

(Fusion Power) - LPP Focus Fusion 1; '..FF-1 results are right now far ahead..'

'..to develop a series of electric and hybrid aircraft..'


The "CityTree" - 'Air pollution is one of the world's invisible killers.'

          (2017) - '..a deeply systemic debt crisis akin to the aftermath of 1929 .. the stage has now been set..' (no replies)        
'..But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.'

'June 27 – Reuters (William Schomberg, Marc Jones, Jason Lange and Lindsay Dunsmuir): “U.S. Federal Reserve Chair Janet Yellen said on Tuesday that she does not believe that there will be another financial crisis for at least as long as she lives, thanks largely to reforms of the banking system since the 2007-09 crash. ‘Would I say there will never, ever be another financial crisis?’ Yellen said… ‘You know probably that would be going too far but I do think we're much safer and I hope that it will not be in our lifetimes and I don't believe it will be,’ she said.”

While headlines somewhat paraphrased Yellen’s actual comment, “We Will not see Another Crisis in Our Lifetime” is reminiscent of Irving Fisher’s “permanent plateau” just weeks before the great crash of 1929. While on the subject, I never bought into the popular comparison between 2008 and 1929 – and the related notion of 2008 as “the 100-year flood”. The 2008/09 crisis was for the most part a private debt crisis associated with the bursting of a Bubble in mortgage Credit – not dissimilar to previous serial global crises, only larger and somewhat more systemic. It was not, however, a deeply systemic debt crisis akin to the aftermath of 1929, which was characterized by a crisis of confidence in the banking system, the markets and finance more generally, along with a loss of faith in government policy and institutions. But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.

As such, it’s ironic that the Fed has branded the banking system cured and so well capitalized that bankers can now boost dividends, buybacks and, presumably, risk-taking. As conventional central bank thinking goes, a well-capitalized banking system provides a powerful buffer for thwarting the winds of financial crisis. Chair Yellen, apparently, surveys current bank capital levels and extrapolates to systemic stability. Yet the next crisis lurks not with the banks but within the securities and derivatives markets: too much leverage and too much “money” employed in trend-following trading strategies. Too much hedging, speculating and leveraging in derivatives. Market misperceptions and distortions on an epic scale.

Compared to 2008, the leveraged speculating community and the ETF complex are significantly larger and potentially perilous. The derivatives markets are these days acutely more vulnerable to liquidity issues and dislocation. Never have global markets been so dominated by trend-following strategies. It’s a serious issue that asset market performance – stocks, bond, corporate Credit, EM, real estate, etc. – have all become so tightly correlated. There are huge vulnerabilities associated with various markets having become so highly synchronized on a global basis. And in the grand scheme of grossly inflated global securities, asset and derivatives markets, the scope of available bank capital is trivial.

I realize that, at this late stage of the great bull market, such a question sounds hopelessly disconnected. Yet, when markets reverse sharply lower and The Crowd suddenly moves to de-risk, who is left to take the other side of what has become One Gargantuan “Trade”? We’re all familiar with the pat response: “Central banks. They’ll have no choice.” Okay, but I’m more interested in the timing and circumstances.

Central bankers are now signaling their desire to proceed with normalization, along with noting concerns for elevated asset prices. As such, I suspect they will be somewhat more circumspect going forward when it comes to backstopping the markets - than, say, back in 2013 with Bernanke’s “flash crash” or with the China scare of early-2016. Perhaps this might help to explain why the VIX spiked above 15 during Thursday afternoon trading. Even corporate debt markets showed a flash of vulnerability this week.'

- Doug Noland, Weekly Commentary: The Road to Normalization, July 1, 2017


Context (Banking Reform - English/Dutch) '..a truly stable financial and monetary system for the twenty-first century..'

'Unsound Finance gets to the heart of the issue.'

'..Like monetarists, Keynes held no capital theory .. the role time plays..' - Jesús Huerta de Soto

'..Loose financial conditions and record debt issuance..'


'..investors’ fear of missing out is looking increasingly desperate..'

'..a giant passive 'beta' bubble .. This may be the Mother of all beta bubbles..'

'..The same combination prevailed at the 1929, 1972, 1987, 2000, and 2007 market peaks..'


(Banking Reform - Monetary Reform) - '..debt is our biggest security threat..'

          '..the amount of leverage and excess that has accumulated in bond and Credit markets..' (no replies)        
'..the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.'

'The Fed is not blind. They monitor stock prices and corporate debt issuance; they see residential and commercial real estate market values. Years of ultra-low rates have inflated Bubbles throughout commercial real estate – anything providing a yield – in excess of those going into 2008. Upper-end residential prices are significantly stretched across the country, also surpassing 2007. They see Silicon Valley and a Tech Bubble 2.0, with myriad excesses that in many respects put 1999 to shame. I’ll assume that the Fed is concerned with the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.

..

The Fed collapsed fed funds from 6.50% in December 2000 to an extraordinarily low 1.75% by the end of 2001. In the face of an escalating corporate debt crisis, the Fed took the unusual step of cutting rates another 50 bps in November 2002. Alarmingly, corporate Credit was failing to respond to traditional monetary policy measures (despite being aggressively applied). Ford in particular faced severe funding issues, though the entire corporate debt market was confronting liquidity issues. Recall that the S&P500 dropped 23.4% in 2002. The small caps lost 21.6%. The Nasdaq 100 (NDX) sank 37.6%, falling to 795 (having collapsed from a March 2000 high of 4,816). No financial instability?

..

I revisit history in an attempt at distinguishing reality from misperceptions. Of course the Fed will generally dismiss the consequences of Bubbles. They’re not going to aggressively embark on reflationary policies while espousing the dangers of asset price and speculative Bubbles. Instead, they have painted the “housing Bubble” as some egregious debt mountain aberration. And paraphrasing Kashkari, since today’s stock market has nowhere as much debt as housing had in 2007, there’s little to worry about from a crisis and financial instability perspective.

Well, if only that were the case. Debt is a critical issue, and there’s a whole lot more of it than back in 2008. Yet when it comes to fragility and financial crises, market misperceptions and distortions play fundamental roles. And there’s a reason why each bursting Bubble and resulting policy-induced reflation ensures a more precarious Bubble: Not only does the amount of debt continue to inflate, each increasingly intrusive policy response elicits a greater distorting impact on market perceptions.

I doubt Fed governor Bernanke actually anticipated that the Fed would have to resort to “helicopter money” and the “government printing press” when he introduced such extreme measures in his 2002 speeches. Yet seeing that the Fed was willing to push its monetary experiment in such a radical direction played a momentous role in reversing the 2002 corporate debt crisis, in the process stoking the fledgling mortgage finance Bubble. And the Bernanke Fed surely thought at the time that doubling its balance sheet during the 2008/09 crisis was a one-time response to a once-in-a-lifetime financial dislocation. I’ll assume they were sincere with their 2011 “exit strategy,” yet only a few short years later they’d again double the size of their holdings.

..

Despite assertions to the contrary, the bursting of the “tech” Bubble unleashed significant financial instability. To orchestrate reflation, the Fed marshaled a major rate collapse, which worked to stoke already robust mortgage Credit growth. The collapse in telecom debt, an unwind of market-based speculative leverage and the rapid slowdown in corporate borrowings was over time more than offset by a rapid expansion in housing debt and the enormous growth in mortgage-related speculative leverage (MBS, ABS, derivatives).

..

I’ve never felt comfortable that Chinese authorities appreciate the types of risks that have been mounting beneath the surface of their massively expanding Credit system. Global markets seemed attentive a year ago, but have since been swept away by the notion of the all-powerful “China put” conjoining with the steadfast “Fed put.” These types of market perceptions create tremendous inherent fragility.'

- Doug Noland, Discussions on the Fed Put, March 25, 2017


'It’s now an all-too-familiar Bubble Dynamic. The greater the Bubble inflates, the more impervious it becomes to cautious “tightening” measures..'

'The problem today is that years of ultra-loose monetary conditions have ensured everyone is crowded on the same bullish side of the boat. Tipping the vessel at this point will be chaotic, and the Fed clearly doesn’t want to be the instigator. Meanwhile, timid little baby-step increases only ensure more problematic market Bubbles and general financial excess.

It’s now an all-too-familiar Bubble Dynamic. The greater the Bubble inflates, the more impervious it becomes to cautious “tightening” measures. And the longer the accommodative backdrop fuels only more precarious Bubble Dynamics, the more certain it becomes that central bankers will approach monetary tightening timidly. Yellen confirmed to the markets Wednesday that the Fed would remain timid – still focused on some theoretical “neutral rate” and seemingly oblivious to conspicuous financial market excess. The fixation remains on consumer prices that are running just a tad under its 2% target. Meanwhile, runaway securities market inflation is completely disregarded.'

- Doug Noland, Another Missed Opportunity, March 18, 2017


'..In terms of Credit Bubble momentum, it’s notable that Net Worth inflated over $2.0 TN in both Q3 and Q4.'

'The unprecedented amount of system-wide debt is so enormous that the annual percentage gains no longer appear as alarming. Non-Financial Debt expanded 4.7% in 2016, up from 2015’s 4.4%. Total Household Debt expanded 3.6%, with Total Business borrowings up 5.6%. Financial Sector borrowings expanded 2.9% last year, the strongest expansion since 2008.

Securities markets remain the centerpiece of this long reflationary cycle. Total (debt and equities) Securities jumped $1.50 TN during Q4 to a record $80.344 TN, with a one-year rise of $4.80 TN. As a percentage of GDP, Total Securities increased to 426% from the year ago 415%. For comparison, Total Securities peaked at $55.3 TN during Q3 2007, or 379% of GDP. At the previous Q1 2000 cycle peak, Total Securities had reached $36.0 TN, or 359% of GDP.

The Household Balance Sheet also rather conspicuously illuminates Bubble Dynamics. Household Assets surged $6.0 TN during 2016 to a record $107.91 TN ($9.74 TN 2-yr gain). This compares to the peak Q3 2007 level of $81.9 TN and $70.0 TN to end 2008. Q4 alone saw Household Assets inflate $2.192 TN, with Financial Assets up $1.589 TN and real estate gaining $557bn.

With Household Liabilities increasing $473bn over the past year, Household Net Worth (assets minus liabilities) inflated a notable $5.518 TN in 2016 to a record $92.805 TN. As a percentage of GDP, Net Worth rose to a record 492%. For comparison, Household Net Worth-to-GDP ended 1999 at 435% ($43.1 TN) and 2007 at 453% ($66.5 TN). Net Worth fell to a cycle low 378% of GDP ($54.4TN) in Q1 2009. In terms of Credit Bubble momentum, it’s notable that Net Worth inflated over $2.0 TN in both Q3 and Q4.

..

UBS analysts forecast (above) $3.3 TN of 2017 Chinese Total Social Financing (TSF). And with TSF excluding national government deficit spending, let’s add another $300bn and presume 2017 Chinese system Credit growth of around $3.6 TN. As such, it’s possible that China and the U.S. could combine for Credit growth approaching an Unparalleled $6.0 TN. There are, as well, indications of an uptick in lending in the euro zone, and Credit conditions for the most part remain loose throughout EM. Importantly, the inflationary biases that have gained momentum in asset and securities markets and, increasingly, in consumer prices and corporate profits provide a tailwind for Credit expansion.'

- Doug Noland, Unparalleled Credit and Global Yields, March 10, 2017


Context

'..the S&P 500 is now far more overvalued than in 2000, 2007, or indeed in any prior point in history..'

          (Banking Reform - Monetary Reform) - '..debt is our biggest security threat..' (no replies)        
'Now that he is president, Trump likes to tout the fact he’s listening to America’s generals. Perhaps he needs to talk to General Mike Millen, the former Chairman of the Joint Chiefs of Staff. Perhaps then he would see that the greatest threat America faces isn’t from China, Russia, or North Korea – it is from the national debt. Until Trump reverses course on military spending, and gets tough on entitlements, his "America First" budget will only make the US worse off.'

- Tho Bishop (Source, March 20, 2017)


'..a crippling national debt..'

'Under a Republican budget resolution, the national debt will explode by a third from an already staggering $19 billion to $29 trillion over the next ten years. Although counterintuitive, Democratic presidents, at least those after World War II, have reduced deficits as a portion of the value of the national economy (GDP) while Republican presidents have increased them — thus accumulating less public debt as a percentage of GDP. Yet neither political party has paid enough attention to this burgeoning national security problem.

National security problem? Yes. General Mike Mullen, while he was Chairman of the Joint Chiefs of Staff, the nation’s top military man, was enlightened enough about long-term health of American power to realize that it takes continuing infusions of money to acquire the weapons and equipment, personnel, training, maintenance and benefits to create a credible military to adequately defend the country. In addition, all other indices of national power — political, diplomatic and cultural — require money too.

To generate those resources, a strong economy is needed. The number one problem dragging down economic growth rates through the George W. Bush and Barack Obama presidencies was a crippling national debt..'

- Ivan Eland, National debt is our biggest security threat: Column, January 11, 2017


Context

'..World Debt Hits $152 Trillion.'

'Our nation and the world are paying a very heavy price for a failed experiment in Inflationism..' - Doug Noland

'..Global policies since the 2008 crisis have spurred the expansion of speculative finance to multiples of pre-crisis levels..'


'Germany Plans to Cut 2017 Debt Sales .. Balanced-Budget..'

'..monetary knowledge .. of currency reform under difficult conditions you have to go to Carl Menger.'

(Banking Reform - Monetary Reform) - '..The Theory of Money and Credit .. an invaluable guide for ending the business cycles of our own time.'


(Banking Reform - English/Dutch) '..a truly stable financial and monetary system for the twenty-first century..'

          Update (February 11, 2017) - '..ethical standards..' ('.. Dr. Bates appeared to distance himself from some of what he wrote in the blog post..') (no replies)        
Update February 11, 2017: 'In an interview on Monday with E&E News, Dr. Bates appeared to distance himself from some of what he wrote in the blog post, and from the way his criticisms were portrayed in the Mail on Sunday article.

“The issue here is not an issue of tampering with data,” he said, “but rather really of timing of a release of a paper that had not properly disclosed everything it was.”

Climate Home, a nonprofit site based in London that offers news and analysis, also weighed in on one of the central contentions of Mr. Rose’s article, that the publication of the NOAA paper had "duped” policy makers into adopting the Paris accord. The site contacted representatives to the talks from 10 countries; none said that the paper had any influence.'

- Henry Fountain, No Data Manipulation in 2015 Climate Study, Researchers Say, February 7, 2016


Update February 09, 2017: 'Dr Bates’ main complaint is that Dr Karl and his co-authors did not follow strict procedures required for NOAA’s ‘operational’ data. It is not yet clear whether Dr Karl should have subjected his research data to the same procedures. Dr Karl, who retired from NOAA in August 2016, has not yet had the opportunity to respond fully to Dr Bates’ allegations.'

- LSE: More fake news in ‘The Mail on Sunday’, February 5, 2017 (Wikipedia Bans Daily Mail As 'Unreliable' Source, February 08, 2017))


'..a failure to observe proper ethical standards..'

'Dr John Bates’s disclosures about the manipulation of data behind the ‘Pausebuster’ paper is the biggest scientific scandal since ‘Climategate’ in 2009 when, as this paper reported, thousands of leaked emails revealed scientists were trying to block access to data, and using a ‘trick’ to conceal embarrassing flaws in their claims about global warming.

Both scandals suggest a lack of transparency and, according to Dr Bates, a failure to observe proper ethical standards.

Because of NOAA ’s failure to ‘archive’ data used in the paper, its results can never be verified.

Like Climategate, this scandal is likely to reverberate around the world, and reignite some of science’s most hotly contested debates.'

- Exposed: How world leaders were duped into investing billions over manipulated global warming data, February 4, 2017


'Whatever takes its place, said Dr Bates, ‘there needs to be a fundamental change to the way NOAA deals with data so that people can check and validate scientific results. I’m hoping that this will be a wake-up call to the climate science community – a signal that we have to put in place processes to make sure this kind of crap doesn’t happen again.

..

Dr Bates said: ‘How ironic it is that there is now this idea that Trump is going to trash climate data, when key decisions were earlier taken by someone whose responsibility it was to maintain its integrity – and failed.’ '


'Dr Bates retired from NOAA at the end of last year after a 40-year career in meteorology and climate science. As recently as 2014, the Obama administration awarded him a special gold medal for his work in setting new, supposedly binding standards ‘to produce and preserve climate data records’.

..

Less than two years earlier, a blockbuster report from the UN Intergovernmental Panel on Climate Change (IPCC), which drew on the work of hundreds of scientists around the world, had found ‘a much smaller increasing trend over the past 15 years 1998-2012 than over the past 30 to 60 years’. Explaining the pause became a key issue for climate science. It was seized on by global warming sceptics, because the level of CO2 in the atmosphere had continued to rise.

..

In the weeks after the Pausebuster paper was published, Dr Bates conducted a one-man investigation into this. His findings were extraordinary. Not only had Mr Karl and his colleagues failed to follow any of the formal procedures required to approve and archive their data, they had used a ‘highly experimental early run’ of a programme that tried to combine two previously separate sets of records.

..

Dr Bates revealed that the failure to archive and make available fully documented data not only violated NOAA rules, but also those set down by Science. Before he retired last year, he continued to raise the issue internally. Then came the final bombshell. Dr Bates said: ‘I learned that the computer used to process the software had suffered a complete failure.’

The reason for the failure is unknown, but it means the Pausebuster paper can never be replicated or verified by other scientists.

..

Whatever takes its place, said Dr Bates, ‘there needs to be a fundamental change to the way NOAA deals with data so that people can check and validate scientific results. I’m hoping that this will be a wake-up call to the climate science community – a signal that we have to put in place processes to make sure this kind of crap doesn’t happen again.

Dr Bates said: ‘How ironic it is that there is now this idea that Trump is going to trash climate data, when key decisions were earlier taken by someone whose responsibility it was to maintain its integrity – and failed.’

NOAA not only failed, but it effectively mounted a cover-up when challenged over its data. After the paper was published, the US House of Representatives Science Committee launched an inquiry into its Pausebuster claims. NOAA refused to comply with subpoenas demanding internal emails from the committee chairman, the Texas Republican Lamar Smith, and falsely claimed that no one had raised concerns about the paper internally.'

- Exposed: How world leaders were duped into investing billions over manipulated global warming data, February 4, 2017


Context '..conduct more meetings on ethics .. Respectful discussion of different points of view should be encouraged.' - John Bates

Climategate: Follow the Money - By Bret Stephens

Those Who Control the Past Control the Future, Climate Data Edition, February 5, 2017

'..Earth is warming more rapidly than previously thought was correct..'


'Trees are the best known ‘technology’ to cool our planet'

Focus Fusion - '..So, production reactors by 2020 or so.'

(Earth Defence - Earth Shield) - Faraday - Tesla - 'The Accelerating Winds of Venus.' (Electric Universe - Solar Climate Change)


(The Electric Universe - Earth Defence - Earth Shield) - Electric Fossils and Thundercrabs

(The Electric Universe) - '..weather systems .. an electric “wind” surrounds and often precedes an electric arc.'

(Thymology - Haptopraxeology) - '..entrepreneurship .. actions he will carry out and estimates the future effect of those actions..'


'...The peer review process is broken...' - '...don't have the "situational awareness"...'

On the Mail on Sunday article on Karl et al., 2015, February 5, 2017

          'We have no experience in stopping a nuclear war.' - Sidney Drell (no replies)        
'..My greatest concern is the lack of public awareness about this existential threat, the absence of a vigorous public debate about the nuclear-war plans of Russia and the United States, the silent consent to the roughly fifteen thousand nuclear weapons in the world. These machines have been carefully and ingeniously designed to kill us. Complacency increases the odds that, some day, they will. The “Titanic Effect” is a term used by software designers to explain how things can quietly go wrong in a complex technological system: the safer you assume the system to be, the more dangerous it is becoming.'

'The harsh rhetoric on both sides increases the danger of miscalculations and mistakes, as do other factors. Close encounters between the military aircraft of the United States and Russia have become routine, creating the potential for an unintended conflict. Many of the nuclear-weapon systems on both sides are aging and obsolete. The personnel who operate those systems often suffer from poor morale and poor training. None of their senior officers has firsthand experience making decisions during an actual nuclear crisis. And today’s command-and-control systems must contend with threats that barely existed during the Cold War: malware, spyware, worms, bugs, viruses, corrupted firmware, logic bombs, Trojan horses, and all the other modern tools of cyber warfare. The greatest danger is posed not by any technological innovation but by a dilemma that has haunted nuclear strategy since the first detonation of an atomic bomb: How do you prevent a nuclear attack while preserving the ability to launch one?

..

..the Cuban Missile Crisis, when a series of misperceptions, miscalculations, and command-and-control problems almost started an accidental nuclear war—despite the determination of both John F. Kennedy and Nikita Khrushchev to avoid one. In perhaps the most dangerous incident, the captain of a Soviet submarine mistakenly believed that his vessel was under attack by U.S. warships and ordered the firing of a torpedo armed with a nuclear warhead. His order was blocked by a fellow officer. Had the torpedo been fired, the United States would have retaliated with nuclear weapons. At the height of the crisis, while leaving the White House on a beautiful fall evening, McNamara had a strong feeling of dread—and for good reason: “I feared I might never live to see another Saturday night.”

..

The personnel who command, operate, and maintain the Minuteman III have also become grounds for concern. In 2013, the two-star general in charge of the entire Minuteman force was removed from duty after going on a drunken bender during a visit to Russia, behaving inappropriately with young Russian women, asking repeatedly if he could sing with a Beatles cover band at a Mexican restaurant in Moscow, and insulting his military hosts. The following year, almost a hundred Minuteman launch officers were disciplined for cheating on their proficiency exams. In 2015, three launch officers at Malmstrom Air Force Base, in Montana, were dismissed for using illegal drugs, including ecstasy, cocaine, and amphetamines. That same year, a launch officer at Minot Air Force Base, in North Dakota, was sentenced to twenty-five years in prison for heading a violent street gang, distributing drugs, sexually assaulting a girl under the age of sixteen, and using psilocybin, a powerful hallucinogen. As the job title implies, launch officers are entrusted with the keys for launching intercontinental ballistic missiles.

..

..A recent memoir, “Uncommon Cause,” written by General George Lee Butler, reveals that the Pentagon was not telling the truth. Butler was the head of the U.S. Strategic Command, responsible for all of America’s nuclear weapons, during the Administration of President George H. W. Bush.

According to Butler and Franklin Miller, a former director of strategic-forces policy at the Pentagon, launch-on-warning was an essential part of the Single Integrated Operational Plan (siop), the nation’s nuclear-war plan. Land-based missiles like the Minuteman III were aimed at some of the most important targets in the Soviet Union, including its anti-aircraft sites. If the Minuteman missiles were destroyed before liftoff, the siop would go awry, and American bombers might be shot down before reaching their targets. In order to prevail in a nuclear war, the siop had become dependent on getting Minuteman missiles off the ground immediately. Butler’s immersion in the details of the nuclear command-and-control system left him dismayed. “With the possible exception of the Soviet nuclear war plan, [the siop] was the single most absurd and irresponsible document I had ever reviewed in my life,” Butler concluded. “We escaped the Cold War without a nuclear holocaust by some combination of skill, luck, and divine intervention, and I suspect the latter in greatest proportion.” The siop called for the destruction of twelve thousand targets within the Soviet Union. Moscow would be struck by four hundred nuclear weapons; Kiev, the capital of the Ukraine, by about forty.

After the end of the Cold War, a Russian surprise attack became extremely unlikely. Nevertheless, hundreds of Minuteman III missiles remained on alert. The Cold War strategy endured because, in theory, it deterred a Russian attack on the missiles. McNamara called the policy “insane,” arguing that “there’s no military requirement for it.” George W. Bush, while running for President in 2000, criticized launch-on-warning, citing the “unacceptable risks of accidental or unauthorized launch.” Barack Obama, while running for President in 2008, promised to take Minuteman missiles off alert, warning that policies like launch-on-warning “increase the risk of catastrophic accidents or miscalculation.” Twenty scientists who have won the Nobel Prize, as well as the Union of Concerned Scientists, have expressed strong opposition to retaining a launch-on-warning capability. It has also been opposed by former Secretary of State Henry Kissinger, former Secretary of State George Shultz, and former Senator Sam Nunn. And yet the Minuteman III missiles still sit in their silos today, armed with warheads, ready to go.

William J. Perry, who served as Secretary of Defense during the Clinton Administration, not only opposes keeping Minuteman III missiles on alert but advocates getting rid of them entirely. “These missiles are some of the most dangerous weapons in the world,” Perry wrote in the Times, this September. For many reasons, he thinks the risk of a nuclear catastrophe is greater today than it was during the Cold War. While serving as an Under-Secretary of Defense in 1980, Perry also received a late-night call about an impending Soviet attack, a false alarm that still haunts him. “A catastrophic nuclear war could have started by accident.”

Bruce Blair, a former Minuteman launch officer, heads the anti-nuclear group Global Zero, teaches at Princeton University, and campaigns against a launch-on-warning policy. Blair has described the stresses that the warning of a Russian attack would put on America’s command-and-control system. American early-warning satellites would detect Russian missiles within three minutes of their launch. Officers at norad would confer for an additional three minutes, checking sensors to decide if an attack was actually occurring. The Integrated Tactical Warning/Attack System collects data from at least two independent information sources, relying on different physical principles, such as ground-based radar and satellite-based infrared sensors. If the norad officials thought that the warning was legitimate, the President of the United States would be contacted. He or she would remove the Black Book from a briefcase carried by a military aide. The Black Book describes nuclear retaliatory options, presented in cartoon-like illustrations that can be quickly understood.

..

Although the Air Force publicly dismissed the threat of a cyberattack on the nuclear command-and-control system, the incident raised alarm within the Pentagon about the system’s vulnerability. A malfunction that occurred by accident might also be caused deliberately. Those concerns were reinforced by a Defense Science Board report in January, 2013. It found that the Pentagon’s computer networks had been “built on inherently insecure architectures that are composed of, and increasingly using, foreign parts.” Red teams employed by the board were able to disrupt Pentagon systems with “relative ease,” using tools available on the Internet. “The complexity of modern software and hardware makes it difficult, if not impossible, to develop components without flaws or to detect malicious insertions,” the report concluded.

In a recent paper for the Royal United Services Institute for Defence and Security Studies, Andrew Futter, an associate professor at the University of Leicester, suggested that a nuclear command-and-control system might be hacked to gather intelligence about the system, to shut down the system, to spoof it, mislead it, or cause it to take some sort of action—like launching a missile. And, he wrote, there are a variety of ways it might be done.

..

Strict precautions have been taken to thwart a cyberattack on the U.S. nuclear command-and-control system. Every line of nuclear code has been scrutinized for errors and bugs. The system is “air-gapped,” meaning that its networks are closed: someone can’t just go onto the Internet and tap into a computer at a Minuteman III control center. At least, that’s the theory. Russia, China, and North Korea have sophisticated cyber-warfare programs and techniques. General James Cartwright—the former head of the U.S. Strategic Command who recently pleaded guilty to leaking information about Stuxnet—thinks that it’s reasonable to believe the system has already been penetrated. “You’ve either been hacked, and you’re not admitting it, or you’re being hacked and don’t know it,” Cartwright said last year.

If communications between Minuteman control centers and their missiles are interrupted, the missiles can still be launched by ultra-high-frequency radio signals transmitted by special military aircraft. The ability to launch missiles by radio serves as a backup to the control centers—and also creates an entry point into the network that could be exploited in a cyberattack. The messages sent within the nuclear command-and-control system are highly encrypted. Launch codes are split in two, and no single person is allowed to know both parts. But the complete code is stored in computers—where it could be obtained or corrupted by an insider.

Some of America’s most secret secrets were recently hacked and stolen by a couple of private contractors working inside the N.S.A., Edward Snowden and Harold T. Martin III, both employees of Booz Allen Hamilton. The N.S.A. is responsible for generating and encrypting the nuclear launch codes. And the security of the nuclear command-and-control system is being assured not only by government officials but also by the employees of private firms, including software engineers who work for Boeing, Amazon, and Microsoft.

Lord Des Browne, a former U.K. Minister of Defense, is concerned that even ballistic-missile submarines may be compromised by malware. Browne is now the vice-chairman of the Nuclear Threat Initiative, a nonprofit seeking to reduce the danger posed by weapons of mass destruction, where he heads a task force examining the risk of cyberattacks on nuclear command-and-control systems. Browne thinks that the cyber threat is being cavalierly dismissed by many in power. The Royal Navy’s decision to save money by using Windows for Submarines, a version of Windows XP, as the operating system for its ballistic-missile subs seems especially shortsighted. Windows XP was discontinued six years ago, and Microsoft warned that any computer running it after April, 2014, “should not be considered protected as there will be no security updates.” Each of the U.K. subs has eight missiles carrying a total of forty nuclear weapons. “It is shocking to think that my home computer is probably running a newer version of Windows than the U.K.’s military submarines,” Brown said.In 2013, General C. Robert Kehler, the head of the U.S. Strategic Command, testified before the Senate Armed Services Committee about the risk of cyberattacks on the nuclear command-and-control system. He expressed confidence that the U.S. system was secure. When Senator Bill Nelson asked if somebody could hack into the Russian or Chinese systems and launch a ballistic missile carrying a nuclear warhead, Kehler replied, “Senator, I don’t know . . . I do not know.”

After the debacle of the Cuban Missile Crisis, the Soviet Union became much more reluctant to provoke a nuclear confrontation with the United States. Its politburo was a committee of conservative old men. Russia’s leadership is quite different today. The current mix of nationalism, xenophobia, and vehement anti-Americanism in Moscow is a far cry from the more staid and secular ideology guiding the Soviet Union in the nineteen-eighties. During the past few years, threats about the use of nuclear weapons have become commonplace in Moscow. Dmitry Kiselyov, a popular newscaster and the Kremlin’s leading propagandist, reminded viewers in 2014 that Russia is “the only country in the world capable of turning the U.S.A. into radioactive dust.” The Kremlin has acknowledged the development of a nuclear torpedo that can travel more than six thousand miles underwater before devastating a coastal city. It has also boasted about a fearsome new missile design. Nicknamed “Satan 2” and deployed with up to sixteen nuclear warheads, the missile will be “capable of wiping out parts of the earth the size of Texas or France,” an official news agency claimed.

..

Russia’s greatest strategic vulnerability is the lack of a sophisticated and effective early-warning system. The Soviet Union had almost a dozen satellites in orbit that could detect a large-scale American attack. The system began to deteriorate in 1996, when an early-warning satellite had to be retired. Others soon fell out of orbit, and Russia’s last functional early-warning satellite went out of service two years ago. Until a new network of satellites can be placed in orbit, the country must depend on ground-based radar units. Unlike the United States, Russia no longer has two separate means of validating an attack warning. At best, the radar units can spot warheads only minutes before they land. Pavel Podvig, a senior fellow at the U.N. Institute for Disarmament Research, believes that Russia does not have a launch-on-warning policy—because its early-warning system is so limited.

For the past nine years, I’ve been immersed in the minutiae of nuclear command and control, trying to understand the actual level of risk. Of all the people whom I’ve met in the nuclear realm, Sidney Drell was one of the most brilliant and impressive. Drell died this week, at the age of ninety. A theoretical physicist with expertise in quantum field theory and quantum chromodynamics, he was for many years the deputy director of the Stanford Linear Accelerator and received the National Medal of Science from Obama, in 2013. Drell was one of the founding members of jason—a group of civilian scientists that advises the government on important technological matters—and for fifty-six years possessed a Q clearance, granting him access to the highest level of classified information. Drell participated in top-secret discussions about nuclear strategy for decades, headed a panel that investigated nuclear-weapon safety for the U.S. Congress in 1990, and worked on technical issues for jason until the end of his life. A few months ago, when I asked for his opinion about launch-on-warning, Drell said, “It’s insane, the worst thing I can think of. You can’t have a worse idea.”

Drell was an undergraduate at Princeton University when Hiroshima and Nagasaki were destroyed. Given all the close calls and mistakes in the seventy-one years since then, he considered it a miracle that no other cities have been destroyed by a nuclear weapon—“it is so far beyond my normal optimism.” The prospect of a new cold war—and the return of military strategies that advocate using nuclear weapons on the battlefield—deeply unnerved him. Once the first nuclear weapon detonates, nothing might prevent the conflict from spiralling out of control. “We have no experience in stopping a nuclear war,” he said.

..

Donald Trump and Vladimir Putin confront a stark choice: begin another nuclear-arms race or reduce the threat of nuclear war. Trump now has a unique opportunity to pursue the latter, despite the bluster and posturing on both sides. His admiration for Putin, regardless of its merits, could provide the basis for meaningful discussions about how to minimize nuclear risks. Last year, General James Mattis, the former Marine chosen by Trump to serve as Secretary of Defense, called for a fundamental reappraisal of American nuclear strategy and questioned the need for land-based missiles. During Senate testimony, Mattis suggested that getting rid of such missiles would “reduce the false-alarm danger.” Contrary to expectations, Republican Presidents have proved much more successful than their Democratic counterparts at nuclear disarmament. President George H. W. Bush cut the size of the American arsenal in half, as did his son, President George W. Bush. And President Ronald Reagan came close to negotiating a treaty with the Soviet Union that would have completely abolished nuclear weapons.

Every technology embodies the values of the age in which it was created. When the atomic bomb was being developed in the mid-nineteen-forties, the destruction of cities and the deliberate targeting of civilians was just another military tactic. It was championed as a means to victory. The Geneva Conventions later classified those practices as war crimes—and yet nuclear weapons have no other real use. They threaten and endanger noncombatants for the sake of deterrence. Conventional weapons can now be employed to destroy every kind of military target, and twenty-first-century warfare puts an emphasis on precision strikes, cyberweapons, and minimizing civilian casualties. As a technology, nuclear weapons have become obsolete. What worries me most isn’t the possibility of a cyberattack, a technical glitch, or a misunderstanding starting a nuclear war sometime next week. My greatest concern is the lack of public awareness about this existential threat, the absence of a vigorous public debate about the nuclear-war plans of Russia and the United States, the silent consent to the roughly fifteen thousand nuclear weapons in the world. These machines have been carefully and ingeniously designed to kill us. Complacency increases the odds that, some day, they will. The “Titanic Effect” is a term used by software designers to explain how things can quietly go wrong in a complex technological system: the safer you assume the system to be, the more dangerous it is becoming.'

- Eric Schlosser, World War Three, By Mistake, December 23, 2016


Context

The International Day for the Total Elimination of Nuclear Weapons

          The Christmas Truce of 1914 - '..what might have happened if the truce had spread and this had caused the war to end earlier..' (no replies)        
'.."What If," points out that he thinks … and of course this is speculation, counterfactual history ... that if we had had no Russian Revolution, we wouldn’t have gotten to that point where communism took over, no Lenin, no Stalin, there would be no Treaty of Versailles, mistreated Germany, therefore Hitler would not have had his cause to rise and no Hitler and Nazism and World War II..'

'Deist: One thing that’s so remarkable about the Christmas Truce is this whole question of what might have happened if the truce had spread and this had caused the war to end earlier or be somehow limited. Weintraub addresses this in his book. We may not have had the rise of communism, the Russian Revolution and Stalin and Lenin, we certainly would not have had Versailles. As a result, we might not have had Hitler or Nazism or maybe even FDR. I mean, it’s remarkable to think about, isn’t it?

Denson: That’s right and that’s counterfactual history at its best. Weintraub, in his last chapter, entitled "What If," points out that he thinks … and of course this is speculation, counterfactual history ... that if we had had no Russian Revolution, we wouldn’t have gotten to that point where communism took over, no Lenin, no Stalin, there would be no Treaty of Versailles, mistreated Germany, therefore Hitler would not have had his cause to rise and no Hitler and Nazism and World War II, as I have argued in the past, World War II was simply a continuation of World War I with a truce, and World War I was to see if you could remake the world to benefit the English, the British, and the Russian Czar. World War II was to see if you could keep it that way, what they’d done in World War I. So, it would have changed the whole history, in my opinion, of the twentieth century. And, we are still in the Middle East, suffering the results of the treaties that ended World War I. I mean, the treaties that created Iraq, tried to give Syria to the French, and Israel was created in the middle of an Arab world and it’s still a problem that was created by the World War I treaties. So, all of that, the whole twentieth century, I think, would have been completely different, if it could have ended, say when the troops stopped at Christmas of 1914. It’s amazing to think about that.

..

..H. Kingsley Wood, a cabinet minister, got up and made a speech and he said, he had been in the trenches, he said in the front trenches in Christmas 1914 and he said, I took part in what was well known at the time as a truce. We went over in front of the trenches and shook hands with many of our German enemies and a great number of people and I think we did something that was degrading or wrong and refused to stop, he said, the fact is, we did it. And I then came to the conclusion that I have held very firmly ever since, that if we had been left to ourselves, there never would have been another shot fired. For a fortnight, the troops went on and we were on the most friendly terms and it was only the fact that we were being controlled by others that made it necessary for us to start trying to shoot one another again.

And he blamed the resumption of war on “the grip of the political system which was bad, and I and others who were there at the time, determined there and then, never to rest until we had seen whether we could change it.” And then it concludes. There are people that thrive on war, the military industrial complex and one of the results of the World War I revisionism showed that the people that do the armaments and make money off that, help cause war. There are people, bankers, that have an interest. JP Morgan had a big interest in America getting into World War I and he financed the British Army..'

- The Christmas Truce and the Future of War, December 24, 2016


Context

(Haptopraxeology) - '..We have lost three centuries as a result of ignoring our scholars!'

Christmas Truce of 1914

In The Electric Universe a Future of Peace and Love


'..the mismanagement and corruption of bankers and politicians..

Economics in One Lesson

          weekly Diigo Post (weekly)        

Posted from Diigo. The rest of my favorite links are here.


          Comment on Credit FAQs: What Information Is on My Credit Report? by Money Matters Quiz: How Much Do You Know About Your Credit Score?        
[…] to apply for a car loan, a mortgage, or credit card, you already understand the importance of the information on your credit report. Any blemishes, such as missed payments or accounts in collections, can negatively impact your […]
          Around the Globe - Fundación Todo Mejora supports LGBT youth        

Todo Mejora means “it gets better”—and it’s this message that the Chile-based nonprofit has worked tirelessly to advocate for. In the wake of continual LGBT discrimination around the world, Fundación Todo Mejora strives to support the LGBT adolescents who face discrimination, including those considering committing suicide. Chile has one of the highest levels of suicide and school violence in Latin America. It’s projected that if nothing is done, in four years, one adolescent in Chile will end his or her life  nearly each day—an astounding metric that Fundación Todo Mejora hopes to change.1,2

Continuing  with our series about impactful organizations using Google for Nonprofits tools, this week we’re highlighting how Fundación Todo Mejora uses technology to spread its message and creates a safe space for these teenagers to find refuge in times of need.

Showing up when searching for help—Google Ad Grants

By implementing a strategic campaign using Google Ad Grants, the nonprofit targeted Google searches common to suicidal thoughts such as “I want to commit suicide”, “Who should I call if I want to kill myself?”, or “Help me, I want to die”. When a local person searches this on Google, Fundación Todo Mejora’s ads show up to intervene with supportive messages, and provide links to resources to find help. One 19-year-old girl who found support from these ads said, "Amidst my depression, I Googled how to commit suicide. Your foundation, ’Todo Mejora,’ popped up in my search results. It made me smile and reminded me the reason to go on.”

These ads have allowed Fundación Todo Mejora to save lives and navigate people to their website where they can find resources and support. As a result, website traffic increased by 20% in one year alone, which means the organization found a way to reach more people in need. This increase also prompted Fundación Todo Mejora to expand their suicide hotline support to 30 hours/week up from 7 hours/week.

Spreading the word—YouTube

To further increase visibility, Fundación Todo Mejora created a YouTube channel where adolescents share their personal stories, which have helped create a community of support, coupled with the call-to-action overlays inspiring others to follow suit, take initiative, and send donations. In their most popular video, with over 62,000 views, Demi Lovato speaks out against homophobic and transgender bullying and encourages victims to reach out for help.

TODO MEJORA - Demi Lovato, cantante

Storage & syncing—G Suite

Fundación Todo Mejora now uses G Suite exclusively for all its day-to-day operations, relying on Gmail, Google Drive, and Google Calendar to work productively. The unlimited user accounts and 30GB of storage per user has saved them time and money that once went towards paying for other storage products. Now, they can save important data in a shared and collaborative space which has helped them streamline their processes, preserve historical documents, and improve communication.

With more time, funding, and organizational processes, Fundación Todo Mejora can focus on expanding their support for youth in need and the LGBT community. Read more about their story on our Community Stories page on our Google for Nonprofits site.

To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.

Footnote:  Statements are provided by Nonprofits that received products as part of the Google for Nonprofits program, which offers products at no charge to qualified nonprofits.

1 OECD (2016). Low Performing Students: Why They Fall Behind and How To Help Them Succeed. PISA. OECD Publishing. Paris

2.Ministerio de Salud de Chile (2013). Situación Actual del Suicidio Adolescente en Chile, con perspectiva de Género [Current Situation of Adolescent Suicide in Chile, with a gender perspective]. Programa Nacional de Salud Integral de Adolescentes y Jóvenes. Chile.


          Improve your nonprofit’s account security with 2-step verification        

While online accounts allow nonprofits to easily communicate with partners, volunteers and donors across the world, this shared network can also leave your account vulnerable to intruders. As your nonprofit continues to grow its online presence, it’s crucial to keep confidential information (e.g., finances or donor’s information) safe. While passwords have historically been the sole guardian for online account access, research from Google has shown that many passwords and security questions can easily be guessed. That's why we strongly recommend that all nonprofits using GSuite for Nonprofits, or Google products like Gmail, use 2-Step Verification (2SV) as an additional protection on their account(s). 

Account hijacking—a process through which an online account is stolen or hijacked by a hacker—constitutes a serious threat to your nonprofit’s operations. Typically, account hijackings are carried out by phishing attempts or hackers who guess weak passwords. Because of this, it’s especially important for your nonprofit to maintain strong and unique account passwords to keep sensitive data safe.

But 2SV goes beyond just a strong password. It's an effective security feature that combines "something you know" (e.g., a password) and "something you have" (e.g., a text, a prompt, or a Security Key) to protect your accounts. Think of this like withdrawing money from an ATM/cash machine: You need both your PIN and your debit card.

Google Authentication app.png
Our free Google Authenticator app is available for Android and iOS devices, which generates a code for you each time you want to sign in to your account.

Now that you know what 2SV is, head over to our Help Page to start improving your nonprofit’s online security now. (Quick tip: Remember to keep your account settings up to date and configure backup options to use if your phone is ever lost or stolen). Stay safe, nonprofits!  

To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more at no charge. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.


          Unlocking G Suite for Nonprofits: Improve internal workflow and communication        

Whether you have a team of five or 500 a seamless, collaborative workflow is critical in the digital age. Our goal is to make sure that your nonprofit is able to focus on changing the world by using technology to save time -- not waste it. In the digital age though, information sharing can often be complex; your team might not work in the same office, or even the same timezone. Some team members might be in an office with computer access, while others are in the field on mobile devices. Who from your team should be able to access confidential documents?

This brings us to a key question: How do you empower team members to work together towards a common goal, and use technology to enable it?

Great question. We’d like to introduce you to G Suite - (formerly  Google Apps for Work ). G Suite aims to help teams work together in real-time -- no matter where they are in the world.

Today, we’re spotlighting a few nonprofits to share how their teams  are using Google tools and apps to improve workflow and internal communication.

Mercy Beyond Borders - Internal Communication with Sheets & Sites

Mercy Beyond Borders (MBB) is a U.S. nonprofit that aims to forge opportunities for women and girls in extreme poverty to learn, connect, and lead. Utilizing a small office in the U.S. as home base, MBB targets rural areas in Haiti and South Sudan. In both of these areas, cultural norms and poverty prohibit full participation of women. In fact, these areas offer minimal education and opportunities for employment, which often  impedes the development of leadership skills or positions. Mercy Beyond Borders focuses its programs on providing trainings, scholarships, leadership camps, and business loans for women.

To achieve their mission, Mercy Beyond Borders faces the challenge of balancing US-based operations with field work in remote areas like South Sudan and Haiti. Their nonprofit partners range from large organizations to local schools to individuals. So how does Mercy Beyond Borders ensure that all staff, vendors, and partners stay connected and working together in sync?
MBB-trained nurse in South-Sudan village
MBB-trained nurse in South Sudan village. Photo credit: Mercy Beyond Borders

Mercy Beyond Border began using G Suite to streamline its workflow, connecting their team across the globe. Using G Suite, MBB’s team is able to access, share, and collaborate together in real-time. Take a glimpse into how they do it:

  • Track Finances: MBB manages their overseas program budget expenditures in Google Sheets. Using this tool, the domestic office tracks monthly vendor payments in Haiti. This enables the staff to wire more money as needed in order to ensure program success. Additionally, using Sheets enables the team to provide transparency in the organization, clarifying spending and creating a simple overview of total annual expenses. This standardized and collaborative approach to data enables better efficiency and communication between domestic and international offices.

  • Store images: Mercy Beyond Borders regularly takes photos in the field to keep the domestic office up to date on progress and communicate stories to their donors. The team overseas is able to upload the pictures to Google Drive, which allows them to share or retrieve the images at any time.

  • Share Information: It’s imperative that MBB shares frequent updates with the Board of Directors, highlighting current developments, areas for growth, and new opportunities. To keep the Board of Directors apprised of progress, the team created a MBB Board website with Google Sites as a way to provide updates outside of meetings. The site functions as a central hub, where the Board can find all relevant information and resources at their discretion. The website is organized in subsections including internal updates from the Executive Director, background articles on country conditions and descriptions of new partnerships. To take it one step further, MBB also added a comment section for board members to engage in open communication.

“It [G Suite] helps to better connect, engage, and keep Board members up-to-date in between meetings, or  if they are unable to make a meeting (in which case they can view the Meeting Archives page),” said Adrienne Perez.


MyFace - Increasing productivity and improving internal workflow by remote access

Established in 1951, MyFace was founded to address the medical, surgical and psychological needs of those living with facial deformities. The organization offers access to care and treatments --- regardless of the severity of the anomaly, the length of treatment, or the family’s ability to afford care. In America alone, 1 in 650 children is born with an facial cleft. Every year, MyFace helps more than 1,000 patients seek treatment. Of this population, 85% are children, 70% live in poverty, and 95% require long-term care. The costs involved in this are high and verges on insurmountable for low income families. With this in mind, MyFace ensures that all children receive highest quality interdisciplinary and comprehensive reconstructive care by doctors who provide their services pro bono.

As a small nonprofit (their staff of eight including their therapy dog, Bentley), employees are required to perform a variety of different tasks. On any given day, team members might be responsible for website design, grant proposal writing, and marketing strategy. And oftentimes, what one employee starts today is  picked up by another employee tomorrow. Because it’s often all-hands-on-deck, collaboration is particularly key for MyFace.

Our mission of changing faces and transforming lives can be fulfilled with the help of technology from G4NP Carolyn Spector Executive Director MyFace

To address their challenge, MyFace began using Google Drive to centrally store, access, and share information from anywhere at anytime. Drive helped decrease the amount of time that MyFace spends on administrative tasks, like sending documents back and forth or working with out-of-date data or information. Drive’s tools like Docs and Sheets enable the team to collaborate both in and out of office.

MyFace also deals with an overwhelming amount of data and information. The team needs this data to not only be easy to store, retrieve, and share — it needs to be secure, since it contains confidential and personal patient information. G Suite offers that as well, ensuring that all information is kept private and secure. (Want to know more about G Suite security and how safe they really are? Read more about it here).

“Our mission of changing faces and transforming lives can be fulfilled with the help of technology from G4NP because it offers invaluable resources to nonprofits of any size at no cost,” stated Carolyn Spector, Executive Director of MyFace.

MyFace Staff photo
MyFace team. Photo credit: MyFace

Having global teams of different sizes with varying access to technology can make timely communication difficult, if not impossible. While nonprofits like Mercy Beyond Borders and myFace strive to accomplish unique missions, both organizations are passionate about changing the world. And about using the right technology to help. Utilizing tools like G Suite has been key for nonprofits like these in order to improve internal workflow and communications. For Mercy and my Face, making information shared, up-to-date, and secure has been crucial for navigating the Technology Age.

Interested in learning more about the tools available to your nonprofit? Check out our website to see how G4NP can help your nonprofit with real-time, up-to-date communication and data sharing.

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To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.

Footnote:  Statements are provided by Nonprofits that received free products as part of the Google for Nonprofits program, which offers free products to qualified nonprofits.


          A nonprofit's guide to online security: So you want to learn the lingo?        
This year marks the 25th anniversary of the World Wide Web becoming publicly available. For many of us, this is a reminder of just how much the Internet has transformed our daily lives. This rings true for nonprofits too: The Internet has revolutionized the way that nonprofits communicate, fundraise, and recruit volunteers. It has enabled nonprofits like yours to share their mission with a global audience. To raise awareness. And to change the world. 

But the power of the Internet also comes with great responsibility -- namely the need to keep information safe and secure. As a nonprofit, it can be difficult to keep up with online security, especially when terminology seems complicated. Yes, you might have heard of terms like “phishing” or “cookies,” but what do they mean?

Today, you can find the answers to your questions with our quick & easy to guide to online security terminology. In less than five minutes, you’ll be well on the way to helping keep your nonprofit safe on the Internet. 

Let’s get started! Here’s a quick guide to familiarize yourself with common lingo and learn how to distinguish terms that are friends vs foes in the online security realm. 


THE BAD GUYS: MALICIOUS ACTIONS/TERMS

  • Advanced Fee Fraud (419 scams): A technique which tricks users into sending or paying money to fraudsters on the promise of receiving greater rewards afterwards. It is most commonly associated with Nigeria, and 419 is the section of the Nigerian legal code that covers this fraud.
  • Botnet: A network of computers that are infected with malicious software without users’ knowledge, used to send viruses and spam to other computers.
  • Malware: Malicious software with the purpose of infecting devices and systems, gathering personal information, gaining access to systems or disrupting the operations of the device or systems. Essentially, any software that maliciously alters or compromises the system or device.
  • Phishing / Social Engineering Attack: An attempt by hackers who pose as trustworthy individuals or businesses in order to get your personal information such as usernames, passwords, and financial information.
  • Trojans: Malicious programs posing as or bundled with legitimate ones, which are designed to compromise your system. They are usually installed on computers from opening attachments in scam emails or by visiting infected websites. The term comes from the Trojan Horse in Greek mythology.

How to avoid social engineering attacks

THE GOOD GUYS: ONLINE SAFETY TERMS


  • [Internet] Cookie: A piece of data from a visited website and stored in the user's web browser in order to remember information that the user has entered or engaged with such as items in a shopping basket on an e-commerce site.
  • Encryption: The process of encoding data, messages, or information, such that only authorized parties can read it.
  • Firewall: A security system used to block hackers, viruses, and other malicious threats to your computer. It does this by acting as a barrier, acting on predetermined rules, which allows trusted traffic but blocks untrusted or non-secure traffic. 
  • HTTPS (Hypertext Transfer Protocol): is the protocol for secure communications over a computer network used on the Internet. It essentially provides authentication of the website and the web servers associated with it. 
  • Transport Layer Security (TLS): TLS is a protocol that encrypts and delivers mail securely, both for inbound and outbound mail traffic. It helps prevent eavesdropping between mail servers – keeping your messages private while they're moving between email providers. 
  • Two Factor Authentication / Two Step Verification: A method of using an additional process to verify your identity online. It combines both ‘something you know’ (like a password) and ‘something you have’ (like your phone or security key) — similar to withdrawing money from an ATM/cash machine, where you need both your PIN and your bank card.

That’s a wrap for now! Pass on these tips to your nonprofit partners to stay safe and secure online, so you can focus on what matters most: changing the world. 

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To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more at no charge. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.


          From LA to Tokyo: YouTube Spaces opens production studios to nonprofits free of charge        
We know that having a physical space to do your work matters, but it’s not just about where you work — it’s about what you create there. So today, we’re announcing special access to YouTube Spaces, YouTube’s global network of production studios, for eligible nonprofits to learn, connect, and create great content for YouTube.

Given that Google was started in a garage, we’re more than familiar with the limits of physical space. As a nonprofit, it can be difficult to find access to great spaces for video production, especially when time, location, and money are constraining factors. As a result, space often becomes limiting, rather than limitless, to producing great content on YouTube.

From LA to London, Tokyo to Mumbai, Berlin to São Paulo, YouTube Spaces empower nonprofits by providing them exclusive access to the best production resources around — all at no cost. All enrolled nonprofits with 1,000 or more subscribers are now eligible to apply for production access at YouTube Spaces.

But we’re also offering more than just physical space. In addition to our state-of-the-art production facilities, YouTube Spaces brings together creatives of all stripes. YouTube Spaces offers nonprofits opportunities to learn new skills through live workshops, as well as collaborate with the YouTube community through events, panels, screenings, and more! 

YouTube Spaces
Don’t know where to begin? Once enrolled in and approved by YouTube for Nonprofits, start with theYouTube Creator Academy. From there, nonprofits can take advantage of the workshops offered by YouTube Spaces to establish a successful foundation on the platform. From lessons on building your channel to learning physical production, these workshops will help your nonprofit define its strategy and engage subscribers. Then, it’s time to get the cameras rolling! 

Get out of your garage, and get ready to create something amazing. After all, spaces are not just about where we we work -- it’s about what we create there.

Find out more about the YouTube Spaces here. 


To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.

Nonprofit must have signed up for the Google for Nonprofits program and be enrolled specifically in the YouTube for Nonprofits product with a YouTube channel that has at least 1,000 subscribers. Qualifying YouTube channels must be free of copyright and terms of use strikes.


          Introducing new donation tool on YouTube benefiting nonprofits        
YouTube has over a billion users. That’s almost one-third of all people on the Internet. And everyday those users watch hundreds of millions of hours of video, racking up billions of views – which are now billions of opportunities to do good.

We’re excited to announce a brand new tool that U.S. nonprofits can utilize — donation cards on YouTube! Donation cards make it even simpler to raise money for your cause by allowing your viewers to donate directly from your YouTube video. Even better — Google covers the processing fees, so your organization will receive 100% of the money donated. Donation cards on YouTube are currently available for U.S. nonprofits and creators, but we look forward to expanding into other countries, so nonprofits and creators can digitally fundraise across the globe. 

Using donation cards, YouTube creators can also now raise money through their content to both support your cause and make their videos more impactful! Donation cards for creators in the U.S. enable their subscribers and viewers to donate directly from their videos. Creators can choose any United States, IRS-validated 501(c)3 public nonprofit organization. Your nonprofit will receive 100% of the money donated.

Want to see donation cards in action? Check out this video from Madison Beer. 

Now it’s your turn. To help you get started, we’ve put together an outreach toolkit – including email templates, social media templates, and fundraising best practices – to help your nonprofit share the news about donation cards with your supporters and other YouTube creators. With these tools, we hope you’ll empower as many people as possible to learn about your nonprofit and fuel fundraising on your behalf. 

To see if your nonprofit is eligible to participate in the YouTube for Nonprofit Program, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours free access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofit’s story. Learn more and enroll here.

If you are a U.S. nonprofit looking to add donation cards to your YouTube videos, learn more here.
If you are a U.S. YouTube creator looking to fundraise for your favorite cause, learn more here. 

Nonprofits aren't endorsed by YouTube or Google


          Brands of food processors        
Now, let’s talk about the brands a bit, and why it’s so important to buy the best food processor on the market to fit your needs. Food processors don’t come cheap that’s a fact. Well, good ones at least. And if you get one for some change money, it probably means you won’t get far at processing actual food with it. They are also very intricate pieces of machinery, so it’s not easy making them cheaply. It’s rather impossible, I would say. I’m sure I don’t have to tell you that buying the famous brand food processor is the best...
          Your weekend: Megan’s Body, Meatballs or Matt Damon?        
That’s not to say that you won’t be so anxious about entertainment that you’ll sit idly by and wait for the Emmy’s on Sunday (by the way — any thoughts on best comedy: Entourage, Family Guy, How I met Your Mother, etc? Or dramas: Big Love, Breaking Bad, Lost or Mad Men/ My money’s on … Continue reading
          Western Union Partners With Liverpool FC        
The Western Union Company and Liverpool FC have announced a multi-year partnership for the global payment and money transfer service company to become an Official Principal Partner and the Official Money Transfer Partner of the famed football (soccer) club. As the “Official Money Transfer Partner,” the company will use its “global cross-border digital transfer and...
          Credit Report Monitoring Service - Get Your Free Credit Report And Score And Get Some Peace Of Mind!        
GoFreeCredit.com are a credit report monitoring service. You can obtain FREE access to your credit report and even your credit score. You are are able to request a free copy of your credit report once a year from each of 3 credit reference agencies - Equifax, Experian and TrasUnion. However, getting your credit score is not as easy!

GoFreeCredit.com allow you sign up for a membership which includes the professional monitoring of your credit file and reports. You can sign up to receive automatic e-mails and text alerts should there be any activity whatsoever on your credit file. Perhaps an existing lender may have carried a credit search on you to see if you are eligible for a new mortgage or loan product. However, were you aware that excessive activity on your credit file can be detrimental to your credit score?


Did you know that identy theft costs millions of people and financial institutions billions of dollars every year! By having an efficient credit report monitoring service in place, you can detect the signs of identity theft early. Most people are blissfully unaware that someone may have stolen their social security number and their identity. Many thieves set about opening accounts either to launder money or borrow against your good name. This can take months or even years to notice and can ruin your good name and cost you plenty of money as well. NOT if you have access to a credit report monitoring service.

GoFreeCredit.com offer a free trial period for you to test their credit report monitoring service. Once you order your free credit report you will automatically be enrolled into your free trial of credit monitoring. You will then receive automatic notifications of any changes made to your credit report. Should you wish to continue using the credit report monitorng service once your trial period has ended you will be billed $14.95 a month. However, there is absolutely no obligation to continue using the service after your free trial period has finished - You can cancel your membership at any time.

Click Here To See Your Free Credit Report And Credit Score
          How to Improve My Credit Score After a Default?        
Firstly, it is great that you are looking to improve your credit rating. We can all be irresponsible with our money at times. The trick is to learn from your mistakes and understand what you need to do to move forward. I'm sure many of you have asked the question, "How To Improve My Credit Score After A Default", so let's try and answer that for you.

It may not be something you want to hear initially, but often time is the greatest healer when it comes to improving your credit score. In the main, a default will show on your credit file for up to 6 years. This, of course, will severely impact on your ability to secure credit. However, it must be said that there are lenders out there that will lend to applicants with a default. Although, you must be aware that you will undoubtedly be charged a higher rate of interest for credit, than if you had a clean record.

You have the opportunity to check your credit reports for free once a year. So make sure you take advantage of this. Check that your records are up to date and free of any errors. You will find the longer that you have lived at your current address or the longer you have been with your current employer, will have a positive effect on improving your credit score after a default.

During the times that you don't require any credit, please ensure that you keep your finances intact. Always try and stay within your agreed overdraft limit and look to pay your monthly repayments and bills on a timely basis. Any potential lender will always look at your most recent credit history. Even if you have a default registered and a low credit score, the way you manage your accounts after the event will have certain repercussions. By making repayments in full and on time, this will help to improve your credit score and will also show lenders that you now have your finances under control.

There are many differing means and methods to improve your credit score. Don't ever think that having a default registered against you is the end of the world.

You may want to check out how high spending ex college student Chris Brisson went about raising his credit score by 135 points in 37 days. This was with defaults and late-pays registered against him.
          Are These Offers That Provide Unsecured Personal Loans For Poor Credit All They're Cracked Up to Be?        
With the downturn in the world's economy, it appears more and more people now have a bad credit rating than ever before. You would think borrowing money would be more difficult now, but it seems this is when you become inundated with offers of Unsecured Personal Loans For Poor Credit.

Are the companies and organizations that offer these deals, what they actually appear to be, or are they trying to hide some dark secret from you. In all honesty, if you have bad credit score, or defaults/judgements registered against or even a bankruptcy, you cannot expect to be offered the same terms and conditions as when you had a clean record. However, this does not mean that unscrupulous lenders should be able to take advantage of your situation by charging excessively high interest rates.

This is when it may be more appropriate to educate yourself in the way that lenders think, prior to approaching them for a loan. A program that i have recently reviewed is My Miracle Loans. My Miracle Loans is a program that teaches it's members a number of different strategies on how to approach a lender during these trying times. They promise that as long as you thoroughly research and understand the techniques they teach you, once you put them into practice, you are 100% guaranteed a loan.

My Miracle Loans have a different approach for every situation. There is no one method to use. Depending on your personal circumstances, they can provide help for you:-

- Bad Credit

- No job or income

- Student

- Bankruptcy

- Very Low Credit Score

- Been turned down before

And not just Unsecured Personal Loans For People With Poor Credit, they can help you secure a loan or home finance for any purpose.

If you are struggling and not sure where to turn and you are looking for an Unsecured Personal Loan For Poor Credit, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
          Thanks For The Help Obama But Are You Willing To Pay $5000 For The Modification Of Your Mortgage?        
Since the Obama Administration introduced the new Loan Modification Plans on Wednesday 4th March 2009, many people have gone about planning the changes to their mortgages.

However, one stumbling block seems to get in everyone's way! The process of approaching your lender for the Modification of Your Mortgage usually requires a middleman. This is when the help of specialized attorneys, Loan Modification companies and professionals is required.

How much do these services cost you?

Well, you could be looking at anywhere from $1500 to $5000. Now, the way i see things, if you had that kind of money freely available you probably wouldn't need to approach your lender.
The actual plan of the Obama administration is to help out the 4 million plus Americans, who have either fallen behind with their monthly mortgage repayments or to those unfortunate enough to be facing foreclosure.

The help you will be offered is over a five year period. You mortgage principle can be reduced by up to $5000. Your interest rate can be dropped to as low as 2% and the term of your home loan can be extended up to a maximum of 40 years.

This certainly is a fantastic helping hand to those suffering financial hardship and looking to modify their mortgage repayments, but once again, you are faced with the fees and charges to get the ball rolling.

I knew it wouldn't be long before someone had to go through this whole process and then worked out a way of doing it for themselves! You are undoubtedly looking for no huge fees, no additional charges, just some guidance on how to approach the Loan Modification process. Hence the birth of the DIY Loan Modification Kit!

With the help of this kit, you can learn to:-

- Lower your interest rate and your payment

- Reduce the principal balance

- Convert to a fixed rate for peace of mind

- Have all late fees and charges removed from your record

- Stop the Foreclosure process

Click Here For More Info On The Do-It-Yourself Loan Modification Kit

What have some of the people who have used the DIY Loan Modification Kit got to say:-

"Thanks to the Do-It-Yourself Loan Modification Kit I was able to save my home! I had to stick to it for 3 months and really put my head down, but it was well worth it in the long run. I will be the first one to say it wasn't easy, but if you are struggling to make ends meet, it is definitely worth it. I ended up with a 40yr term at 4.5% reducing my mortgage over $1000 per month! I talked to a loan modification company before I chose the kit, but they wanted $3,500 upfront. I weighed my options and for only $29.95 I knew exactly what I was going to receive! And If I couldn't get the loan modification done myself at least I had peace of mind that I didn't waste $3,500."
Ted Basil, Syracuse, NY

"We have been in our home for 3 years and I think we were given the wrong mortgage. We got behind, but your kit showed us how to make our lender listen! We are now in a mortgage that we can afford. Our entire family appreciates you and the information that you provide."
Paul and Brenda Keen, Danbury, CT

"I was over $10,000 behind on my mortgage. My rate had just adjusted to 13.25%! Using your kit, I was able to negotiate the following: 13.25% adjustable rate was taken to an 8% fixed!And, get this... the lender allowed me to have the $10,000 I was behind, rolled onto the back of my loan!My new payment including taxes and insurance, is $300 less than what my previous payment was, and that's not including the taxes and insurance!!!
Thank you, Thank you, Thank you!"

Vivian Stephens , Dallas, TX

Click Here For More Info On The Do-It-Yourself Loan Modification Kit
          Debt Consolidation Loans Can Resolve Bad Credit Debt        
Replacing several high interest loans or credit cards with one consolidation loan can not only lower your monthly payments, but also save you money due to the lower interest rate on the new loan.

Look at the rates you are paying on your unsecured debts, i.e. credit cards with a rate of between about 13% and over 35%. These are obvious replacement loan candidates. Auto loans and store credit cards are other loans that should be paid off.

If you can get a second mortgage or refinance your current first mortgage, use these funds to pay off these unsecured loans. You should be able to currently save several thousand dollars in interest payments alone. I am assuming a total loan amount above the home debt to be about $20,000.

The other advantage to this plan is to reduce your monthly payments by a substantial amount. This also should allow you to gain a payment schedule that you can easily meet and even reduce quicker over time. Make sure you can pay off this new loan with extra payments with no penalty. It is a good place to put some of that extra money you have each month.

This idea also takes some solid research on your part. All banks and mortgage companies do not operate the same way. Also you want to find the best rate you can get for your debt structure.

Look to these sources for your consolidation loan: Local banks, local mortgage brokers, and the newest provider for these loans, the internet loan providers. There are many companies fighting each other to make these loans to folks like you. Take advantage of your popularity.

Sometimes, debt consolidation companies can discount the amount of the loan. The debt consolidator will buy the loan at a discount, usually when in danger of bankruptcy. The wise debtor can easily shop around for consolidators who will pass along some of the savings. Consolidation usually affects the ability of the debtor to discharge debts in bankruptcy. It’s prudent to weigh this decision rationally.

Take your future in your own hands and make this happen for your financial health. Saving money and paying off your debts faster will open your life to a freedom you have not enjoyed for a long time. A family with minimum debts has eliminated a potential family problem and replaced it with freedom. Do your self a favour and become debt free.
          How to Finance Your Car With Bad Credit        
Have you been searching for somewhere to finance your car with bad credit? In this day and age everyone either needs, wants or has a car. Gone are the days when a car was considered a luxury item. A car is definitely a necessity for most. However, due to your poor credit history, no lender is willing to help. You have even approached your own bank and they have shut the door firmly in your face.

This is when your search to finance your car begins. Although there is a vast array of lenders available, you need to be very careful. I'm sure you have heard many horror stories of people borrowing money and then being held to ransom by the lender. Once they have gone through the reams of small print, they discover that they will need to pay back up to 10 times the amount they borrowed. This, unfortunately, leads to further debt., which in turn can worsen your credit rating and eventually lead to bankruptcy!

Fortunately, this is where certain companies and organizations have evolved to help you. They are intermediary organizations, who will do all the leg work for you. They understand having bad credit can be a difficult time and will provide you with everything you have been looking for. They can show you how to finance your car, even with bad credit. Usually these companies have a huge list of lenders on their books, who are willing to help people in your situation. They can also provide online support and even have access to many unknown government resources. You will usually have to pay a very small one-time fee to get access to this information and remember i said very small!

You can still Finance your Car With Bad Credit, but you will just need to be wary. This is why i believe these intermediary companies are actually a blessing in disguise. The majority of lenders on their books can give you that auto loan online, at a price you can afford. In most cases your auto loan can be agreed and set up within a matter of days.

If you urgently need to Finance Your Car With Bad Credit, then it is time you visited one of these intermediary companies. Click Here to find out exactly what others in your situation are doing and secure that car loan today.
          Who Else Has Bad Credit, Can Put No Money Down, & Needs a Mortgage?        
There are countless home loans and mortgages available to people with bad credit who are unable to put any money down as deposit. As someone who is new to the home buying process, you may be totally unaware of what help is available to you.

The sub-prime mortgage market is open to homebuyers with a poor credit history, those who have been made bankrupt or have even faced foreclosure. These types of lenders specialize in securing home loans for those who are struggling. Another fascinating fact is that many sub-prime lenders may be able to offer more favourable terms and interest rates than a conventional mortgage lender.

Two of the types of products that these lenders can offer are 100% financing and also 103% finance. The 100% finance mortgage is intended for those who have no money to put down and need to get their foot on the home buying ladder. This is also a great way for you to demonstrate that you have the ability to pay your monthly repayments in full and on time. This, of course will help to rebuild your poor credit rating. In most cases to secure a 100% loan you will be required to have a credit rating of least 580.

The 103% financing is aimed at people who not only have no money to put down, but require assistance in paying the associated costs and fees with your mortgage. In order to secure the 103% service, you will be required to have a minimum credit score of 600.

Even though having Bad Credit and no money to put down may seem like the end of your dream of securing a mortgage, it need not be.

Take this opportunity to see what others who have bad credit, can put no money down, but need a mortgage, have done.

Perhaps you need to improve your credit score first. In that case please grab a copy of your Free Report on the 6 Deadly Credit Repair Myths.
          Discover Who Can Find a Bad Credit Loan Today        
It's a familiar story, you find you have bad credit and you desperately need a loan today. You have tried the more conventional methods, but no lender is willing to give you a chance. This only makes matters worse. You are struggling to meet the monthly repayments on your bills and you have absolutely nowhere to turn. This is when you really need help and advice.

My Miracle Loans is a program that has been designed to help people in your very situation. So who can My Miracle Loans help to Find A Bad Credit Loan:-

- Those of you who have no job or cannot prove your income - let's face facts, if you had money, you wouldn't need urgent help. This is why they will help you secure a loan without having to provide numerous payslips and bank statements.

- People who have a poor credit history or a low credit score - there will be no credit checks, so this will have no effect on your ability to borrow.

- Those who have been made Bankrupt - This program has been created to help shed some light. You will discover methods to secure finance even when bankrupt that have been hidden from you for many years by lenders.

- You have no assets or collateral - This system is not about what you have to offer a lender in return for a loan. You will not be required to prove anything.

Even if you have been turned down before My Miracle Loans can help you find a bad credit loan today.

If you are struggling and not sure where to turn and you are looking to Find A Bad Credit Loan, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
          Do You Have A Poor Credit Rating But Desperately Need A Loan?        
Are you someone who feels completely helpless because you have a poor credit rating and can't seem to get a loan? Being able to secure a loan would actually solve your credit problems and see you on the road to recovery. However, because of a poor credit history or poor credit rating, no lender in their right mind would ever consider you for a loan!

I'm sure that is a very familiar story for many of you. I know myself it is one of the worst feelings that you can ever have. I recall the days of having a fairly decent job and being offered credit left, right and centre. I'm not sure why, but I pretty much accepted all the offers of credit cards or loans. I think it was something to do with the “kid let loose in a sweet shop” scenario. The repercussions never really occurred to me at the time, so I continued to take out credit card after credit card and loan after loan.

If you can't wait any longer to secure a loan then Click Here to register for the "My Miracle Loans" program right now. For those of you who wish to read my story and review, you can access the program at the end of this article.

I think the effects of what I was doing finally hit me a few years down the line. I started to use less and less credit every month and tried to act a lot more responsibly. However, I had got to the stage where my minimum repayments for all my credit was pretty much the same amount as what I earned in a month. I once read a magazine article that stated – in order to repay $10,000 on a credit card, by just making the minimum payment, this would take up to 12 years. Wow! Unfortunately it wasn't just the one credit card I had to repay!

That's when it dawned on me that I had to do something...and quickly. After some careful investigation, I decided a debt consolidation loan and a couple of 0% APR credit cards was the way to go. I had racked up a total of $26,000 in debt. I looked at my current credit card limits and assumed I wouldn't get offered more than a $5000 dollar limit on a new credit card. So my plan was to apply for two 0% APR credit cards and a $16,000 loan. This would allow me to cut up all my credit cards and have all my debts cleared within 5 years. Or so I thought, I didn't count on getting declined for every bit of credit I applied for. My credit score was shot and at an all time low!

That's when I started searching for different methods and other forms of help. Nothing illegal, of course. I just thought to myself, I can't be the first person to find themselves in this situation and I definitely won't be the last! I actually found a total of 8 different companies, courses or websites, that said they could help and even provided me with testimonials of previous satisfied customers. Today I want to talk to you about My Miracle Loans.

My Miracle Loans is a program that will teach you a number of different strategies to obtain a loan. They advise you to read through their techniques and apply what you have learned. My Miracle Loans guarantee a 100% success rate, as long as you carry out their systems and procedures to the letter! They have helped people, like you and me, those with poor credit ratings, bad credit and even bankruptcies to secure credit and finance. My Miracle Loans are responsible for helping their members acquire over $10,000,000 in loans during 2008. They also claim to be able to help anyone secure a loan of $1,000 - $1,000,000 within 7 days! (Although it's very tempting, I think I will always steer clear of the possibility of securing a loan for $1,000,000!)

So what type of people can My Miracle Loans help:-

No job or proof of income – Obviously if you have a lot of money, you wouldn't need their help! You will never be asked for proof of income or to provide evidence of your income.

Bad Credit, No Credit or Slow Credit – There are absolutely no credit checks for some of the methods you will learn. So a poor credit history will not effect the outcome.

A FICO score of 450 – That's Bad! As mentioned above, many of methods you will learn do not require a credit check. So you're covered.

Bankruptcies in the last 7 years – My Miracle Loans dispel the myth that if you have been made bankrupt, you will not be able to borrow any money for up to 7 years. They can show you the exact methods to secure a loan or credit.

No Collateral or Assets – Their system has nothing to do with what worldly possessions you own. You will not be required to provide proof of what you do or do not own.

Been turned down before - Not a problem. These methods will still work for you.

I think that comprehensive list just about covers everyone. My Miracle Loans had quite clearly stated that not all the methods and techniques will work for everyone. Not all individuals are the same. This is why they have provided you with numerous different methods to try. If you do not get accepted for one, you move on and try the next one. They have an iron-clad guarantee that EVERYONE will find success with their program.

So for what purpose can you use the loans that My Miracle Loans will help secure for you?

Business loans – Whether you are purchasing a business, looking to expand or you need supplies. They will help you get whatever you want.

Cash Advance – Do you need a pay-day advance for your job? No problem you can secure that cash advance within 10 minutes!

Car Loans – You can get that luxury car of your dreams and you don't need the salary to match.

Student Loans – This is where my problems originally started. There are many students out there, who are yet to even start college, that may be affected by poor credit.

Debt Consolidation – If you need that peace of mind. Turn all your debts into one loan and make the monthly repayments easier to handle and keep track of.

Home Loans – You have no fear of being turned down, no matter how much you want to borrow. My Miracle Loans guarantee to help you find that dream home.

Personal Loans – A personal loan is usually determined and granted by you having a great credit score. My Miracle Loans will help those of you, who are not in a position to boast about your credit score!

So let me run through the main benefits that My Miracle Loans offer:-

100% success rate – As long as you carry out their instructions correctly, you will never be turned down again for a loan.

Take up to 30 years to repay the money – In many cases, lenders may penalize you for not paying back money as soon as you can. This is not the case with My Miracle Loans.

Receive your cash in 7 days guaranteed – This doesn't have to be a long drawn out process. My Miracle Loans will guarantee that you will receive your money in 7 days or less in the majority of cases.

Use your money for any purpose – as described earlier.

No upfront fees – Paying a company to lend you money does not seem ethical...does it?

Ease of use – this is not a complicated guide on how to write loan proposals or where to find investors and this is definitely not an outdated list of lenders willing to help people with poor credit secure a loan. This is a program that allows you access to many little known and closely guarded techniques.

So what's the catch? There is no catch! My Miracle Loans program will work for you no matter who you are and what your situation may be.

There is little more I can add about this great program. If you find yourself in the situation of having a poor credit rating and you desperately need a loan, you need look no further.

You have absolutely nothing to lose and everything to gain by registering with this fantastic program.

Click here to get started and acquire that loan that will ease all your money problems today.
          Who Else Wants To Know How To Raise Their Credit Score?        


Click Here To Get Access To Your FREE REPORT

Or Read On And Collect Your Free Report At The End Of This Article

Have you ever asked yourself, "How Do I Raise My Credit Score?" Over the years you may have racked up numerous debts. These may include, loans, credit cards and mortgages. As your debts increase through constant interest charges, things seem to get a little harder month after month. Perhaps, you have been unfortunate enough to miss some payments. This, regrettably, has the knock-on effect of additional late-payment charges and will eventually ruin your credit score.

The problem is, once you hit the rocky road of having a bad or low credit score, creditors or lenders will look at you with disdain. Gone are the days of being instantly approved for any form of credit. You are now looked upon as a high risk and no-one seems willing to help you.

This is pretty much what happened to me. I had a fairly decent job and that had helped me to secure various forms of credit. It was never a worry to me then, as i always had enough money coming in to cover at least the minimum payments, if not more. However, eventually mounting interest charges or the end of a 0% credit card deal, started to have an adverse effect on me being able to continue making full and regular payments. I had even got to the stage of using one credit card to make a payment on another credit card. So even though i was making some form of monthly payment, i was increasing my debt at the same time. Not Good! This, ultimately ruined my credit score and brought it to an all time low.

I then started searching for professional credit repair agencies. I soon discovered that many of these agencies make substantial claims to improve and raise your credit score. However, the majority charge a King's ransom for the privilege and they don't seem to deliver on their promises.

This is when i came across Chris Brisson's "37 days to clean credit" course. Chris had been in the same boat as many of us before him. As a college student he had built up a total of $14,000 in student loans and credit card debt. He had a small amount of income coming in and started to miss payments. Chris had managed to get his credit score down to a horrid 520! Once again, like so many of his predecessors, Chris scoured every possible resource to improve his credit score. He eventually admitted he got scammed by these so called "professional" credit reference agencies. This is when Chris decided to do something himself about it.

Chris had made a few discoveries along the way. He then went about legally "stealing" some of top secret methods that credit reference agencies use to remove negative items, inquiries, judgements and bankruptcies. After 37 days, Chris had managed to delete 9 inquiries, 5 late-pays, 4 default accounts and 1 judgement. In the process, Chris boosted his score by 135 points to a respectable 655.

So what exactly does Chris reveal in his Course:-

- How to easily delete 30, 60, 90, 120 or 150 day late-pays from your file

- How to easily set up a budgeting system to track income, expenses and all your payments

- A little known secret technique to getting your credit card APR interest dropped to 0%

- How to stop the harassing collections telephone calls

- How to repair bad credit in less than 30 days

- How to boost your credit score by 50 points even if you have the worst credit in the world.

- How to stop foreclosure and then negotiate with your bank to lower your monthly payment by 10% - 20%

These are just a few of the methods that Chris will go through. There are just far too many helpful little techniques to mention here.

One of my favourite systems i learned from Chris, was how to reduce the interest rate of my current credit card. It was as simple as making a phone call. Mention that you have in front of you a competitors details and that they are offering a 0% deal for six months, which will then turn into a 8% rate. Chris advises to always be polite and state that you will be looking to balance transfer unless they can lower your interest rate. In most cases, the operator will speak to a supervisor, who has the ability to drop your interest rate. To threaten to leave (in a nice way) is the key! So simple, but effective.

Another invaluable source contained within this course, is the copy and paste letters. Chris has structured a number of letters to be sent to creditors depending on what form of credit repair you are looking to achieve. The letters are organized in such a way, that you simply need to insert your own personal details in the blank spaces.

In addition to the course, Chris offers an unbelievable 5 free bonuses. They would usually retail at a value of $757, but are yours for free, once you sign up to Chris's course. I absolutely loved world renowned credit card expert, Scott Bilker's Interest Annihilation Method. This is one of your free bonuses. Scott unveils how to get approved for 0% APR credit cards. Scott also discusses the secret language indicators to use when you speak to your creditors. (yes, it's all down to the actual words you use!) and his 3 step debt elimination strategy system.

So if you have finally had enough of the way that lenders treat you, it's time to do something about it! Chris Brisson has come up with a guaranteed program to help you get the credit rating you have always wanted. So let me just quickly run through what you will get, once you have signed up to Chris Course:-

- The complete "37 days To clean Credit Course"

- The Interest Annihilation Method Audio with Scott Bilker

- The Credit Millionaire System with Donna Fox

- Credit Repair Mystery with Brett Bruce

- 45 "Copy & Paste" proven Credit Repair letters

- Super Budgeting Video Walk through

Don't forget to grab your Free Report on the 6 Deadly Credit Repair Myths as well.

Click Here to get started on raising your Credit Score today.

          The Secret Strategy Behind Instant Approval Credit Cards For Bad Credit        
Do you remember the days of Instant Approval Credit Cards For Bad Credit? Lenders were queueing up to authorize loans and credit cards for people and it didn't seem to matter how good...or bad your credit rating was!

Well times have changed. Now that the world economy is stuck in a deep and difficult financial recession, Instant Approval Credit Cards For Bad Credit seem to be a thing of the past.

This is not altogether true. There are a number of financial companies within the marketplace who are looking to help clients who are unable to borrow money elsewhere. The problem with many of these companies though, is they want to charge outrageous interest rates and levels of monthly repayment just for you to secure some credit. It's almost as though these companies are trying to hold you to ransom!

However, it now appears that many intermediary organizations are springing up to help you in your search. These companies usually charge a very small one-time fee and then allow you access to their database of lenders, as well as providing online and telephone support. They can place you with a lender who will provide Instant Approval Credit Cards For People with Bad Credit and at an affordable price.

The outcome for you is two-fold:-

1) you have finally managed to secure the credit card that you have been searching high and low for.

2) As long as you maintain your monthly repayments and pay them in full and on time, you are also repairing your credit history, thus meaning a wider range of lenders may be available to you in the future.

These companies are a god-send for you if you are struggling with your monthly bills. Sometimes you just need and want someone to listen to you - just being approved for a credit card or loan could improve your current financial situation no end and bring an end to those sleepless nights.

Do you urgently need to get Instant Approval Credit Cards For Bad Credit Now? Or perhaps you would like know how to secure Personal Unsecured Loans For Bad Credit.
          The Secret Behind How To Buy A House With Bad Credit        
Let me guess, the question "How To Buy A House With Bad Credit?" has been playing on your mind for a long time now.

It seems every one around you is getting on the mortgage ladder and leaving you behind. You know being able to put a deposit down and being able to afford the monthly mortgage repayments is well within your financial capabilities, but unfortunately no mortgage lender will even look twice at you because of your credit history.

Well actually lets face facts, that's not strictly true. You do have the occasional lender who contacts you and is more than willing to lend you the money that you need. However, let me guess, they want to charge you an extortionate rate of interest and the monthly repayments are unbelievable. So what do you do?

It now appears that there are many intermediary companies with mortgage lenders on their books who are willing to help you in your quest. These companies will normally charge you a very small one-time fee..and i mean small! Once you are on their books, they will provide you with online and telephone support and a huge database of mortgage lenders willing to help you in your plight and show you how to a buy a house with bad credit.

The great thing about this is the mortgage lenders will look to secure a home loan for you and it won't cost the earth. Once you have that all important mortgage in place and are committed to making your monthly repayments, this in turn will help to repair your credit rating, thus meaning a wider range of creditors will be available to you in the future.

How about if you need to Refinance Your Home With Bad Credit? Is that any different as you already own your own home?
          Can You Get Guaranteed Loans For Bad Credit?        
Is there such a thing as "Guaranteed Loans For Bad Credit"?

Have you ever found yourself in that situation? - Where your debts are continually mounting up, all of your creditors are phoning you every other day and you're unable to find a real solution to your problems!

That's when you find something financially challenging and unexpected comes along and gives you yet another huge problem and forces you into frantically looking for some immediate funds. However, you can't afford to pay for what you have now, you're in trouble with your creditors and no credible lender is going to look at you.

That's when you start to become inundated with calls and adverts for people who offer Guaranteed Loans For People with Bad Credit. The problem being they are going to charge you the most extortionate of interest rates and monthly repayments.

So where do you get that fast injection of cash?

There have been organizations created to actually make this search far easier for you. They usually provide you with a membership and then issue you with a substantial amount of information via a huge database of lenders willing to help and give you that all important loan.

Usually you will have to pay a small one-time fee..and i mean small, but this will not only give you access to this huge database of lenders, you should also be provided with online or telephone support and also many unknown government resources to help you obtain a loan.

Most of the lenders on the database will offer guaranteed loans for bad credit or even a bankruptcy. The lenders are willing to lend money for almost all purposes whether it be Auto Loan Financing, Personal Loans, Mortgages or Credit Cards.

If you absolutely have to get that loan today and you're still unsure how to get Guaranteed Loans For Bad Credit, then Click Here immediately to learn what other people are doing to get approved.
          Business in Buffalo        

Allot was accomplished while back in Buffalo over break. Some of it was already mentioned on facebook but this is where I can do some less official ranting.

So what I want to talk about is doing business in Buffalo. I’m sure allot of people have heard horror stories about working with in the city limits. I know for years people don’t me, don’t even bother if you’re not in the old boys club you can’t get anywhere in the city.  My experience was completely the opposite.

We had narrowed our search into the Black Rock area. I think it’s really an area on the up and up. The people there are really passionate about the neighborhood and eager for business to come back. The success of the black rock bar and kitchen and delish are sort of the test beds. As Chippewa seems to be  kicking out the college crowd there is going to need to be somewhere for all those older college students to go. I’m not saying Black Rock should open clubs and go crazy, just that older crowd is going to be looking for somewhere new to go and that could be black rock without a problem. Elmwood can be a bit ‘high end’ and Buff State is right across the river. Honestly Amherst is going to be where it’s at.

I’ve had the pleasure to bounce around the country for the last couple of years. My position in the Air Force requires allot of traveling form base to base, and I’ve found the same formula in all the ‘up and coming’ urban places is the same.

Provide a service or good that’s 100% better at 50% more cost. It’s what Craft Beer is all about, but it’s also what the whole urban movement seems to be able.  When I visit other cities and find something I think  could be a knock-out in Buffalo I write it down or grab a menu. Sadly for all the great ideas there is only so much money, but the formal is the same.

Chef’s in Manhattan KS is one of the business restaurants I’ve ever been in. It costs about 50% more then Denny’s but when you get Salmon Eggs Benedict, the $5 extra over a grand slam seems like nothing. I’m not saying I’ve stumbled upon the Holy  Grail or anything. I’m just finding that it seems to be true across the whole of the United States. It might the ‘Europeanization’ of America.  That’s a different topic so I’ll get back to Buffalo.

Where I wanted to get was armed with this formal and some really impressive growth numbers from Craft Beer the Councilmen Joe Golombek was willing to sit down for almost 2 hours with us, from that we got an audience with the City Office of Strategic Planning, Department of Labor, Tonawanda BOA, NYSBDC, SBA, ECIDC, NYSIDC. I’m missing once person from that list so I apologize. Point being they we’re great to sit down with, tell them what we want to do, and offer some suggestions on how to go about it. I didn’t run into some brick wall or have to cow tow to anyone to get this. I grew up 25 miles outside of the city, I went to School in Rochester. While Buffalo is my city, its not like I have a network. No Doubt I’m developing one, and the other companies we work with have been paramount to that.

Allot of reasons and things like the $1,000,000,000 that state is talking about I honestly don’t think is going to have nearly the effect it could have if it was $1 thousand million dollar grants or 10,000 $100,000 grants. The things about doing business in NYS being hard then other states.  That’s absolutely true, the taxes are terrible, the bureaucracy is enormous, and the law suits plentiful. Despite all that Government workers are really trying to work around it and with it to get Buffalo back on top.

Point being is Buffalo wants to grow, and the real growth is going to be by small business making an investment in the city, living here working here making that lifelong commitment to the area. There isn’t going to be a hand out from the government to get you started. It’s going to be with the help of people in Buffalo and on your own labors. I encourage anyone who’s thinking about starting to do
          Merry Christmas!        
I’ve been busy on all fronts the last month and have no posted here as I would have liked to. I really need to take a page out of CBWs book and do a stern 1 week update. It’s never that there isn’t anything to talk about. More an issue of, should some of it be spoken about in a public form. 

We’re trying to get a deal together on a building in Black Rock and the support from the community has been tremendous. I really can’t say how great they have been to work with and we’re only pitching some ideas right now. The actually negotiations on the building have not been progressing as I’ve like. Hopefully I’ll have better news on that front by the 6th of Jan. If not I’ll like be forced to put everything on ice until I get back.

Speaking of getting back, I’m leaving for a bit. The USAF finally have dates ‘set in stone’ for deploying to Afghanistan. They’ve told me that these ones are for sure so I will be out of the country for 10 of 12 months in 2012. Longer then original expected but it will help buffer some of the startup costs, and I should get allot less smack talk from the Army. (a value in its self). This will delay the start up by 9 months, why so much more? Winter, its allot harder to move equipment in, doing concrete work in the middle of winter makes things harder than it should be; so we’ll wait for spring of 2013. Not what I want to do but what is necessary to do. 

This week I also brought Dana Saylor of oldtimeroots.com to do some research. She has a pretty cool site and its interesting work. I haven’t seen the finished product so I can’t vouch for her as of yet, but I feel pretty good about it so far. 

Lastly I promised more book reviews. I read a handful on my last few trips across the country. Just for a quick notes on them I’ll say if I liked them or not.

Great American Ale Trail: Its just a list of bars and a couple of lines about them. It’s sort of a good reference and The Blue Monk in Buffalo was in the notable mentions section for NY. If you’re thinking about opening a beer bar up I would say it’s pretty good. Other than that I don’t know anyone with the time or money to visit 1000+ beer bars in the country. Once we get New Buffalo Brewing, I’ll have my beer books on site so if someone wanted to stop in and check for a place feel free.

The Story of the Irish Pub: The begging with a history of the licensed trade was good, so about 70 pages of the book are good, the remaining 150, not worth it. Just little notes of where a bar is and who owns it. Over all very disappointing. If your going to Ireland it might be fun to stop  into one, but that’s about it.

In the Classic Beer Style Series, I picked up and read, Porter, Brown Ale and Stout. This series has been pretty fun to read, and for a serious home brewer I’d recommend them They all are set up with a little history, some water information, a few home brew recipes and a list of examples that are current for the time it was published (the early ones are over 12 years old). This book are really great for someone looking to starting a microbrewer, to see how far the brewing world has come in a decade. Also as an American, to see how we have consistently tossed out style guild lines and made so many great new beers. 

Porter was a really weak read, maybe if I hadn’t already read the mild book it wouldn’t have seemed poor.

Brown Ale was very good, tons of information on the different sub sets of Brown Ale and good information all around. So many beers in this style and information about most of them.

Stout has been the best read so far, The writer has a clear passion for stouts and has offered an immense amount of information on it, the different sub-styles and many references to Guinness. I’d recommend this the most of any of them so far. I will put out the disclaimer that I too love stouts. If there is just one style of beer I could have it’s a thick cream stout.

This should have been spread out to a couple of updates, but with the holidays I don’t know if I will get around to many in the next two weeks. Also one last pitch for buying our sweet gear for someone over Christmas! 

http://www.kegworks.com/search/search.php?keywords=new+buffalo+brewing&x=0&y=0

          A Buffalo Church as a New Buffalo Brewery        


In Buffalo NY it’s hard to not be drawn to a church for a brewery right away. It’s like a brewing palace. Beautiful surroundings, ceiling heights that are unmatched, since it was for people to gather the utilities are surprisingly low (several feet of brick and mortar are even better than 6 inch of fiberglass, the temp stability is amazing) and Buffalo has a bunch of extra churches right now that could use a, well use. 

So what’s the problem? They came in a couple of flavors (Sadly the flavors are like skunked Bud Light, and not a Buffalo micro-brew). 

1) If the church is owned by the Papacy it cannot be used for a brewery, period dot. That takes out many of the primary candidates 

2) Most of the churches need some repairs, the first church we looked at required over 500k in stabilization and another 400-500k in conversation costs. The second needs 300k, but the conversion costs were down to about 100k. That is almost the entire budget for New Buffalo. In this same category, if there’s not a door I can get the tank thought I don’t want to bust down walls to get them installed, that’s not hard and fast just a bit of the preservationist that lingers. 

3) A brewery falls under a M1 Zoning, churches are a C1, the first city councilmen I tried to work with refused to talk to me about it for several  weeks before giving me a “I won’t actively try to stop you, but I’m not going to help you in anyway” kind of answer.  The Councilmen Franczyk, who’s district I wasn’t working in was excited about the idea. In any case not being zoned correctly is another huge risk for use to undertake, a 6 month wait would bankrupt us in our first year   

 4) There is no equity in churches so the bank will not lend us money to fix a church for the most part.  On top off that even as we pay down the merger costs of the church we can’t barrow against it later own to expand like a normal building. 

5) Preservation, on one hand it has some money we can tap into in, almost 50% of the stabilization or big repair costs could be deferred by public funds,  however you have to keep the building the way the rules call for which in the case of the first building, we would have had the largest tasting room in the world (not proven but I don’t know of any breweries with 12,000sqft of tasting space, and two levels with a stage in the middle) 

6) Transportation, I need to be able to bring in semi’s, right now were planning on a grain bin for the pale malt, and I have to be able to get that into the building, also just in the first year we’ll be moving a couple truckloads of beer a week. I have to be in a place they can get too. 

To sum it up, were still looking for a church that could hold us but it’s not our focus anymore. Unless we received a grant for $1million it looks like it’s going to be a goal to expand too.  I know the city has money like that, and that $5million went to the Staler. The city isn’t going to trust a young guy like me, my background is Intelligence and factory work, not history building refurbishing. 

This was a very long post, but I wanted to hit on it since several people have asked me about it. Chris Fetter has been a tremendous help, sending us updates when a non-Catholic church comes on the market.  We hope this will work out, but we can’t wait forever. 

This post is in response an exchange with http://www.communitybeerworks.com/, on our facebook page http://www.facebook.com/pages/The-New-Buffalo-Brewing-Co/215182275168604


          AT&T Adds 2.1 Million Net New Customers In Second Quarter Of 2015        
AT&T Adds 2.1 Million Net New Customers In Second Quarter Of 2015

AT&T recently announced that it has added 2.1 million net new customers during the second quarter of this year. Interestingly, almost all of the carrier’s new additions is attributed to strong sales of tablets, and to connected cars. As a matter of fact, AT&T has added one million new additions driven by tablets and connected cars in the period spanning April to June.

It appears that there is a visible shift in the makeup of AT&T’s subscriber base, with a significant part of the new customer additions spurred by tablets and connected devices. Also, it seems that traditional subscribers -- i.e. those that use phones -- may be on the decline, at least in AT&T’s case. It is also possible that such diminished growth from traditional phone customers for AT&T is connected to the increased pressure from competitors like Sprint and T-Mobile, who are only eager to usurp AT&T’s place as the second biggest wireless carrier in the United States.

Earlier in July, T-Mobile had announced that it had added 2.1 million customers during the second quarter of this year. And just a few days ago, Verizon Wireless had revealed that it had gained over 1 million net new customers, and 1.1 million post-paid subscribers. 

As for AT&T, it had added 410,000 post-paid subscribers, however the growth entirely consisted of 600,000 tablets. In the second quarter of this year, the carrier had lost about 200,000 basic phone subscribers. Still, AT&T was able to add 331,000 prepaid customers as a result of boosting its prepaid arm Cricket Wireless. 

A new focus for AT&T is in connected cars. The carrier is signing up with the largest number of automobile manufacturers in order to bring cellular connectivity to vehicles. But perhaps the more pressing question is -- will people actually pay extra money to connect their cars to a cellular network? The potential is there, but for now, it remains to be seen. 

AT&T also managed to generate a profit in the amount of $3.04 billion, or $0.58 per share, during the second quarter of 2015. During the same period in the previous year, the carrier had a profit of $3.55 billion, or $0.68 per share. Not counting costs associated with its acquisition of two wireless carriers based in Mexico and its looming deal with DirecTV, AT&T managed $0.69 per share of adjusted earnings. Moreover, revenues increased 1.4 percent to $33 billion. As per data compiled by Yahoo, analysts predict, on average, revenue of $33.04 billion and earnings of $0.63 per share.

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Apart from WordPress and Drupal content management systems, Joomla is the most popular CMS used all over the world to power websites of all sorts and sizes. Just like any other open-source CMS, Joomla powered sites also have to deal with hacking attacks. In fact, almost every day Joomla powered site encounter callous hackers who mutilate website pages, upload backdoors and steal or delete sensitive information. And sadly, most of the attacks cost website owners substantial amount of time and money in getting the damage fixed. And so, it becomes needful for website owners take all the possible measures into account that helps to strengthen security of their Joomla site.

In this post we have come up with a list of remarkably useful Joomla extensions that helps to secure your Joomla website. 



jHackGuard

 










jHackGuard is an extension designed by Siteground that helps to protect the websites of Joomla users from being hacked. The extension is made publicly available to Joomla site owners, irrespective of whether they're using Siteground hosting services or not. This extension is a blend of a security plugin (that does the system work) and component (that helps to handle configurations) – that helps to protect a Joomla site by filtering the user's input data and integrating more PHP security settings. But, the plugin is disabled so that filters don't prevent authenticated administrators from performing their administrative tasks.


jHackGuard is compatible with Joomla version 3 and higher. And so, if you want to protect your site security running on an older Joomla version, you can choose to download the appropriate versions of jHackGuard for the older Joomla versions such as jHackGuard for Joomla 1.5 or other.







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