Nine Important Facts To Remember As We Grow Older
#9 Death is the number 1 killer in the world.
#8 Life is sexually transmitted.
#7 Good health is merely the slowest possible rate at which one can die.
#6 Men have 2 motivations: hunger and hanky panky, and they can't tell them apart. If you see a gleam in his eyes, make him a sandwich.
#5 Give a person a fish and you feed them for a day. Teach a person to use the Internet and they won't bother you for weeks, months, maybe years.
#4 Health nuts are going to feel stupid someday, lying in the hospital, dying of nothing.
#3 All of us could take a lesson from the weather. It pays no attention to criticism.
#2 In the 60's, people took acid to make the world weird. Now the world is weird, and people take Prozac to make it normal.
#1 Life is like a jar of jalapeno peppers. What you do today may be a burning issue tomorrow.
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Nine Important Facts To Remember As We Grow Older - Mon 26 Oct 2015, 12:46 pm
Nine Important Facts To Remember As We Grow Older
This is an ad, but it talks about China, the IMF and the dollar. First Look: U.S. Dollar "Substi - Sun 25 Oct 2015, 10:30 am
This is an ad, but it talks about China, the IMF and the dollar.
First Look: U.S. Dollar "Substitute"
will soon be revealed
If you own anything priced in U.S. dollars, an upcoming announcement
could start a new era in modern finance, and could create a
once-in-a-lifetime moneymaking opportunity.
Hi, my name is Dr. Steve Sjuggerud.
I'm the Chief Strategist for Stansberry Research.
We're one of the largest independent financial research firms on the planet, with more than 350,000 clients in over 170 countries.
I've put together this letter to alert you to an important financial announcement coming soon, which could signal a huge shift in the international currency markets.
For anyone who holds their savings or investments in U.S. dollars, this day, and the months that follow, will be incredibly important--because dramatic changes are coming.
And please keep in mind: This has nothing to do with inflation, interest rates, unemployment figures, or anything like that.
What I'm talking about instead, is an official announcement, coming from one of the most powerful organizations on earth.
It's the first time in 35 years that something like this has happened.
And I believe it will trigger one of the most profound transfers of wealth in our lifetime. You simply must be prepared, and understand what's about to happen.
Why am I so concerned?
Well, I've been active in the markets for over two decades...
I received my PhD in Finance...
I've been a stockbroker and a mutual fund Vice President.
And I even ran my own hedge fund...
But I've never seen anything in the markets that could move so much money, so quickly-
I'm talking about hundreds of billions of dollars changing hands in a single day after this announcement is made.
Now, I don't believe there's going to be a literal change to legal tender or paper currency in the U.S. But if you own U.S. assets--stocks, bonds, real estate, or just cash in a bank account--you must be aware of what's about to happen.
And as you'll see, this could be a once-in-a-lifetime chance to set yourself up for safe and extraordinary gains.
Until recently, this story has received very little press. In the early stages of my research, I saw one small article on the back pages of Bloomberg. I saw another short piece deep inside the Wall Street Journal.
But that's already changing. And I suspect this story will explode in the months to come.
Let me explain...
A Big Announcement
Around October of next year, the International Monetary Fund is going to make a huge announcement that could radically alter the financial markets, and initiate a transfer of wealth, unlike anything we've seen in more than three decades.
We know the approximate date of this announcement because I recently dug through all of the IMF's press releases.
Like most official documents, its filled with acronyms and insider jargon.
But if you understand the markets, it's not too hard to figure out exactly what's going on-- what they'll really be deciding.
I can tell you for certain that this meeting is all about a big potential shift in the world currency markets.
As you probably know, the currency market is the world's largest, most vital marketplace.
It's far, far larger than the stock market.
Maybe you don't care about currency movements just yet.
Or maybe you think currency shifts, such as the one that's about to take place, affect only traders and big banks... or people living overseas.
Believe me, nothing could be further from the truth.
Here's a quick example of what I mean.
Although most Americans didn't realize it, there was a similar (albeit much smaller) announcement in the currency markets earlier this year. And it sent shockwaves around the globe. Here's what happened.
First the Franc... Next the Dollar
January 15, 2015 began like any other day in Switzerland.
But around 9:30 AM, without any warning whatsoever, the Swiss central bank announced they were ending the nation's currency peg.
Previously, the value of the Franc grew and shrank alongside the value of the Euro.
The currency was considered "safe," and had extremely low interest rates.
This enabled traders from around the world to borrow in Swiss Francs.
Homeowners throughout Europe did the same--and for years, everything seemed to work fine.
The average Swiss citizen didn't think twice about the Franc--much like most people in the U.S. think very little about the value of the U.S. dollar since everything we own is priced in dollars and everything we buy is priced in dollars, too.
But things in Switzerland began to change very quickly after the January 15th announcement.
The Franc soared as high as 40% in a matter of hours.
Because the Swiss franc got so expensive, investors quickly dumped Swiss stocks like Nestle, Cartier, and Credit Suisse...
Billions were wiped off the Swiss stock market, overnight, as part of the largest one-day drop in almost 30 years.
Nick Hayeck, the chief executive of Swiss watch firm Swatch said, "[De-pegging the Franc] is a tsunami for the export industry, for tourism, and... for the entire country."
Steen Blaafalk, CFO of Saxo Bank, told the Wall Street Journal, "I've been in the market 30 years and I have never seen anything like it."
Even worse, millions of middle-class Europeans outside of Switzerland lost a fortune because they borrowed money in Swiss Francs. Suddenly, they owed 40% more than they did the day before.
For example, one Warsaw borrower saw the mortgage payment on his family's small flat shoot up more than $240 in a single week. The 40 year old lawyer told Reuters: "When I heard the news about the Franc my first reaction was disbelief. Then came slight horror -- what would happen next?"
And a teacher living near the Swiss-Italian border said, "I'm losing tons because of the Franc. Our [family's] mantra is now, buy only what's essential."
But not everyone suffered because of the Swiss Central Bank's currency decision.
Some banks and many investors were properly positioned for the big move.
Questra Capital, for example, made millions betting that the Euro would slump below the Franc. "We immediately knew that it was going to be a very, very good day for [our] investors," said Executive Thomas Suter.
The Wall Street Journal reported that people living near Switzerland's border took advantage of this arbitrage opportunity, almost immediately.
People throughout Switzerland flooded local currency exchange centers to get more Euros with their Francs than ever before.
Take a look at the lines that formed at currency kiosks... some Swiss ATM's were literally running out of Euros to dispense.
But here's what you need to keep in mind:
The Swiss Franc is like a speck of dirt compared to the worldwide importance and use of the U.S. dollar.
Consider this: government and public debt in the U.S. is about 100-times more than that of Switzerland.
And, there are over $1 trillion dollars of physical U.S. currency in the world, compared to only about $389 million Swiss francs.
In other words, there are 3,000-times more U.S. dollars in circulation than Swiss Francs.
So while the recent big shift in the Swiss franc was important, it's going to be nothing compared to the ramifications from what's about to happen to the U.S. dollar.
Swift movements in the dollar will affect nearly EVERYONE in the world... but Americans most of all.
That's because there are simply so many more U.S. dollars in circulation, so much more dollar-denominated debt, and so many more things priced in U.S. dollars, compared to the Swiss franc or any other currency.
Here's what's about to happen...
So what exactly is going to happen?
The important point to remember is this: Very rarely do we know the exact timeline for a major event in the financial markets.
But as I'll show you, I can show with as much certainty as there is in the investment world that this event will happen. And when it does... it's going to start a domino effect that will last for years... and will affect you and your money for a long time.
If you're unfamiliar with the IMF, think of them as a club of bankers from all over the world who regulate the entire international monetary system.
The Brookings Institute has actually called this powerful group part of the world's "unelected government."
And they hold the special power to control what's known as the world's "reserve currencies."
If there's just one thing you learn from me today it's this: reserve currencies are probably the most important financial instrument in the world...
Most people mistakenly believe there's just one reserve currency. But today there are actually seven major reserve currencies.
Governments use reserve currencies to pay their debts... and to diversify their savings and investments.
Businesses use them to trade...
And any change to the world's "reserve currencies" quickly reverberates around the world, putting literally hundreds of billions of dollars into motion, in a matter of minutes.
Before I go any further, let me stop for just a second and tell you: The IMF is NOT going to announce that the U.S. dollar is no longer the world's #1 reserve currency.
Lots of people have been talking about that idea in recent years, but that's NOT what I suspect the IMF is about to announce.
But I'm convinced they are going to make a huge... and dramatic change to the reserve currency system -- which I believe will affect you over the next few years.
Let me explain this change by first showing you exactly what a reserve currency is and does... and why they are so important.
By definition, a reserve currency is money held in significant quantities as a means of international payments and settlements.
And as most Americans know, for about the last 48 years, the United States Dollar has been the world's DOMINANT reserve currency.
That means, the U.S. Dollar is the most widely accepted, widely used currency in the world.
For example, when South Korea wants to buy beef from Argentina... or when Germany wants to buy oil from Saudi Arabia... the countries must first switch their home currency into U.S. dollars, before settling their payments.
It's an exceptional privilege and one of our strongest weapons.
As things stand today, America is the only country in the world that does not have to pay for its imports in a foreign currency.
We can simply print more and more money whenever we need to.
Think of it this way...
Even when the U.S. is not involved in a trade, our dollars usually are.
And that, in turn, helps to support our economy back home.
Because the U.S. dollar is the dominant reserve currency, countries and business around the world must purchase our dollars to execute their trades.
If a country needs oil, wheat, or gold (all of which are typically priced in dollars) they must first make sure they own enough U.S. currency to make the purchase.
But this is all changing -- and more rapidly than most Americans realize.
That's because one powerful new currency is about to be granted "reserve currency status." It seems virtually guaranteed.
And when this happens, billions -- probably even hundreds of billions -- of dollars will flood OUT of the U.S. dollar and INTO this new reserve currency.
Here's how I see it all playing out...
The IMF's Private Meeting... Revealed
Twice a decade, the executive board of the IMF meets to reassess the world's major reserve currencies.
We haven't seen a huge change to the reserve currency system in over 35 years.
And very soon, I believe the IMF will announce a NEW reserve currency.
That announcement will set off a chain reaction throughout the financial markets.
Literally hundreds of billions of dollars will begin shuffling around the globe, causing some assets to soar and others to come crashing down. This announcement will start a domino effect, that will basically determine who in America gets rich in the years to come... and who struggles.
Consider this your warning.
If you understand and know how to position yourself for what is about to happen, almost NO other decision you make with your money will matter.
I liken it to sitting on the California coast... with a detailed satellite weather map in hand... predicting a tsunami almost no one else can yet see.
Today... everything looks calm. The winds are light. The swells rolling into shore are significant, and there's nothing out of the ordinary.
But today, you and I know there's a giant tidal wave approaching... it's going to wallop most people, unexpectedly... and will change things for several decades.
Most people don't see it coming. But you and I, we can...
That how I feel, at least.
Like I said, in my 20+ years in the market, this is easily one of the biggest and most important shifts I've ever experienced.
The beautiful thing is -- we can see exactly what's coming, and exactly how to prepare.
As you can see, the U.S. dollar is, by far, the dominant reserve currency.
When most central banks hold money in a currency other than their own, they hold the biggest portion of that foreign money in U.S. dollars... a staggering 62%. On average they hold a little bit more, 23%, in Euros... and a little bit (about 4% each) in Japanese Yen and British pounds.
And while the Swiss Franc is, in fact, a reserve currency, countries hold a paltry $17 Billion in Francs... not even enough to make up 1% of the pie.
But remember what just happened when the Swiss policy changed?
It rattled the markets.
And what's coming soon will be much, much bigger.
I estimate that the decision will alter about 10% to 15% of the world's reserve currency make-up. Again, we're talking billions and billions of dollars that start moving... and a process that accelerates every year.
In the years to come... I believe this move could affect as much as 50% of the world reserve currency "pie."
So the chart you just saw, could eventually look like this...
And they will cause extraordinary shifts of wealth.
I think you can make gains up to 500% -- in the right investments -- in the coming years -- very safely.
There's no doubt in my mind -- if you get ahead of these currency moves today, you will look like a genius in the years to come. You will be a hero to your family members. People will ask you in just a few years... "How did you see all of this coming... how did you know this was happening?"
While others are trying to squeeze more money out of ordinary stocks, bonds, and real estate, you'll be positioned to safely make extraordinary gains, for many years to come.
And the simple reason why is because you took the time to prepare.
To show you exactly the type of gains I expect you'll be able to make, we have to look back at the last time such a major currency move took place involving the U.S. dollar.
What Happened in the 1970s is about to Happen Again Today
In the 1970s, rising international competition, spiking energy prices and unemployment creeped into the American economy.
And with very little warning, on the morning of August 15th, 1971, President Richard Nixon went on live television to make an important announcement.
He announced that the United States dollar would no longer be backed by gold.
Furthermore, governments around the world would no longer be allowed to exchange their U.S. dollars for U.S. gold.
Nixon imposed a 90-day freeze on wages in order to combat immediate inflation.
The announcement ushered in an era known as "Nixon Shock." You may remember it well.
The price of goods and gasoline skyrocketed.
Unemployment and inflation levels ultimately reached nearly 10% in just a few years.
And people began getting out of the dollar in a significant way.
Take a look at this chart to see some of incredible gains that we saw during this period.
We are going to see a similar, huge move in the U.S. dollar.
And as a result, some assets are going to get crushed... while others absolutely soar.
I believe that in the months and years to come, we'll see the U.S. dollar fall just as it did in the 70s. And the coming announcement is going to accelerate that process.
Now, let me explain why I'm so certain this event will play out the way I believe...
The Hundred Billion Dollar Shift
As I mentioned earlier, I recently tracked down copies of all of the IMF's press releases.
If you read what he said, you'll see clear as day the exact timeline for how this will all play out...
The IMF already began their twice-a-decade discussion about a special basket of reserve currencies, what they call "SDRs" back in May of 2015.
Originally, the big announcement was scheduled for later this year, but it's recently been pushed back.
This is actually great news for investors because it gives us more time to take advantage of the situation.
The new plan is for the IMF to make their decision about any change to the basket in late 2016.
Here's how I predict it will play out.
By next October, I believe the IMF will announce that a new currency has been added to this basket of approved reserve currencies. I can't know the exact day, of course, but typically these announcements happen on a Tuesday. The exact day doesn't matter.
What will this announcement be?
Well, of the six largest economies in the world, there's just one whose currency has not yet been declared an official reserve.
As you might suspect, I'm talking about China and their "renminbi" currency -- or what many people call "the yuan."
And when the IMF holds its final meeting, I believe they'll approve the yuan as an additional reserve currency and grant it unprecedented power on the world stage.
As a result -- literally hundreds of billions of dollars will begin shifting around the world.
This is the tidal wave. It's inevitable. It's coming... and you need to position yourself for it now.
Governments and big banks will begin moving their holdings out of worrisome U.S. dollars, and into the new reserve currency, the Chinese yuan.
The time to take advantage of this idea is right now, today, because this story still hasn't gone mainstream.
Most people don't know anything about this, let alone understand it.
This currency announcement is going to have a huge impact on you and me... because the majority of our savings and our investments are priced in U.S. dollars.
Millions of people holding U.S. assets could become poorer, virtually overnight.
The demand for dollars will inevitably fall, as countries move money out of dollars and into China's currency, as soon as it receives reserve currency status.
At the same time, people who are informed and prepared have the potential to make an absolute fortune as this situation develops.
I hope you take the time to take advantage of this situation.
The truth is, you're unlikely to see a currency event of this magnitude again in your lifetime.
But just once is enough to make extraordinary gains.
Remember the chart I showed you earlier, about the gains that were available in the 1970s?
I firmly believe we'll see moves of 1,000% in the next decade, with a handful of assets, versus the U.S. dollar.
But how, you might be wondering, can we be certain it will transpire, just as I've described?
Well, there is no absolute certainty in the investment world. But this is about as good as it gets. The odds are so overwhelmingly stacked in our favor that you simply must take advantage of a situation like this when it arises.
All you have to do is look at the evidence that's been piling up in recent years
I boiled it down to 4 key facts...
4 Reasons the Yuan will Win Reserve
Let me be clear about something...
I'm not predicting the end of the U.S. dollar, or anything like that.
What I'm talking about is a possible once in a generation move in the world of international banking and finance. If it all plays out the way I think it will, it's going to have a major impact on you and your money. And if you understand what's taking place, and can get ahead of this move, you can not only protect your money, but safely make an absolute fortune in the next few years.
This is going to be a much, much easier way to grow your money over the next few years, then trying to pick the right U.S. stocks, bonds, and real estate.
Here are the four important facts that prove to me beyond any reasonable doubt that this move will take place...
Fact #1: China has the largest economy in the world
You probably saw this fact in the news last year.
As of late 2014, China surpassed the United States as the world's largest economy based on purchasing power.
This data comes from the International Monetary Fund -- the very same group that will be making the decision about the Chinese Yuan.
China also happens to be the leading global exporter as well as one of the world's largest creditors (second only to Japan). That means that most countries around the world look to China for financial help... including America.
We borrow billions from China, every single day. In total, today we as a country owe China $1.3 trillion dollars.
More than 20% our foreign debt is held by China.
If they wanted, China has the ability to single-handedly crush the U.S. dollar. They could easily dump their trillion dollars in U.S. debt obligations on the market.
I'm not saying they'll do that, of course, but they now hold a tremendous amount of leverage in the financial world.
They are going to get what they want, or they are going to make life very difficult for the United States and anyone else who owes them large amounts of money.
China desperately wants the yuan to be a reserve currency -- and they'll likely get their way.
Fact #2: They already came close in 2010
That brings me to reason number two...
This won't even be the first time the IMF considers the yuan for reserve currency status.
China already came close once before, at the last review in 2010.
The only reason the IMF decided against approving the yuan was because they felt China wasn't a large enough exporter yet, and not enough people were trading in yuan.
But a lot has changed since 2010...
According to Eswar Prasad, the former head of Financial Studies and China divisions at the IMF, "the Asian nation is likely to pass both tests."
In 2013, China became the number one exporter in the world...
The proportion of China's exports and imports settled in yuan has recently increased nearly six fold in just three years.
And the International Business Times also reported that the yuan is among the top two most-used global payment currencies.
In other words: Both roadblocks that stopped this process in 2010 have been cleared in time for the coming 2016 decision.
Fact #3: The yuan is already "unofficially" a reserve currency in many places
Perhaps the most interesting development regarding China's currency is that most of the world is already treating the yuan as a reserve currency.
Consider the following:
- Today, more than 10,000 financial institutions are doing business in Chinese yuan, up 1,011% from June 2011.
- In December 2013, the yuan overtook the euro to become the second most-used currency in global trade finance after the U.S. dollar, according to an international agency called SWIFT, which monitors international currency flows.
- There are now a dozen official offshore yuan clearing centers -- including Hong Kong, Australia, Taiwan, Singapore, London, Germany, Korea, and Canada.
- At least 40 central government banks have already invested in the yuan and several others are preparing to do so, according to the British bank, Standard Chartered.
- Some of the biggest commercial banks in the world -- HSBC, Deutsche Bank, Bank of America, Citigroup and Standard Chartered all trade and settle in yuan.
Even the British government, our strongest ally, has taken a bold step to prepare...
The British Chancellor of the Exchequer, George Osborne, announced at the end of 2014 that the British government will be the first nation to issue bonds denominated in Chinese Yuan.
Osborne described the event as "a historic moment" and a statement of British confidence in the potential of the yuan to become "the main global reserves currency."
And that brings me to Fact #4...
Fact #4: The most connected bankers in the world are now preparing for this huge development
- A senior official at an Asian central bank told Reuters, "I think this could well be the year the yuan is included," in the basket.
- Gary Smith, the global head of official institutions at BNP Paribas Investment Partners said in 2013, "A lot of central banks hold some yuan now... every single one will hold more... than they do today."
- The Official Monetary and Financial Institution Forum (OMFIF) -- with thousands of followers on Twitter, including world-renowned financiers like Jim Rickards -- recently posted the following on social media:
- And Benjamin Cohen, an economics professor at UC Santa Barbara says, "It's very difficult to imagine [the IMF] won't [approve] the yuan..."
But perhaps most interesting of all was a story buried in the "World" section of the Wall Street Journal. Apparently, the deputy managing director of the IMF, Zhu Min, actually let it slip that he's "confident the Chinese yuan will be a global reserve currency."
The financial community understands that the yuan gaining reserve currency status is the logical next step for China's currency.
So, what can you do?
Well, I've done a ton of research on this development. I got my PhD in Finance with a specialization in world currencies... and for the past 20 years, I've written about extraordinary currency situations like:
- The collapse of the Russian ruble in '98 (and again just recently)
- The monumental rise in gold prices in the early 2000s
- The havoc wreaked by the 2013 Argentinian currency crisis
- The collapse of the Japanese yen over the last 3 years
- And the Swiss franc de-pegging from the Euro just a few months ago.
The IMF's decision will have a tremendous impact on your life in the coming years.
If you ignore this trend, you are ignoring what is probably the easiest, safest, and most reliable way to make money and also protect your family from the inevitable financial crisis in the U.S. dollar.
So what should you do about this situation?
I believe there are four (4) steps you should take, right away to prepare for the big Chinese Yuan announcement.
These four steps will help you: a) protect your current savings, investments, and retirement accounts from the fall in the U.S. dollar that is inevitably coming, and b) help set you up to make extraordinary gains in the next few years.
Let me show you these four steps now:
Take These 4 Steps Now
STEP #1: Get the playbook for how the IMF's decision will likely play out
Remember the chart I showed you about what happened in the 1970s, the last time the dollar fell?
And, 40 years later, I think it's likely we'll see a few of these assets soar once again.
What happened in the 1970s serves as a blueprint and a playbook for how I expect the IMF's October decision to unfold.
It's imperative to know which assets in particular are in the right place to climb again
It's probably not going to be the exact same investments as last time, for reasons I can explain. But some of the very same investments are likely to soar again... and a few new ones too.
I honestly believe you could see anywhere from 500% to 1,000% on some of these investments in the years to come -- if you take a position soon.
And to give you all of the specific details about this opportunity, I recently published a guide called "How to Cash in on the Most Important Financial Decision of 2016."
It lays out everything you need to know about exactly how to play this upcoming IMF decision, along with a few additional opportunities I'll explain in full detail.
In this guide, I'll tell you specifically what soared the last time something like this happened. Additionally, I'll tell you what to say to your broker now, what price to pay for the assets I'm recommending, and what you should expect in the way of gains. There's nothing else like this guide, anywhere, at any price.
Today, I've arranged a way to send you complimentary access to this new guide.
But before I explain the details, let me go over the other three steps you should take to prepare for the announcement.
STEP # 2: The best way to make 500% in America as the dollar falls (tax free!)
Step #2 is an incredible and safe way a lot of rich, savvy investors are preparing for this epic event.
You see, right now, there's an unbelievable opportunity to make 5 to 10 times your money... All thanks to our government's out-of-control spending.
I'd bet that as the dollar weakens this opportunity could become even more lucrative.
This investment opportunity has nothing to do with stocks, bonds, or options. But it's in a market that's almost as big as the U.S. stock market.
Best of all, this hard asset has been proven to rise hundreds of percent when the value of the dollar is in jeopardy. In the 70s, for example, this was one of the easiest 100% gains you could make.
It's really easy to buy... quite safe, and can provide extraordinary gains. Best of all, if you buy, hold, and sell this investment the right way, you can make great gains that are totally tax-free.
I think it will be the best way to make money against a falling dollar.
I've personally invested a big chunk of my own money in this kind of opportunity. And I've persuaded a lot of my friends and business associates to do the same.
And the great part is, even if I'm completely wrong about my predictions for the currency market... And even if by some miracle Washington abandons its destructive financial policies... this investment could still make you very good money.
That's partly because, unlike stocks, this can NEVER go to zero. It always has value.
I truly believe this asset is set to soar very soon. And you would be foolish not to take advantage of this opportunity today.
Because I'm so excited about this opportunity in particular, I've put together a second full report on just this topic. It's called The Best Way to Make 500% in America, Tax Free, and I'll give you access to it, along with your copy of the Research Report I already described, How to Cash in on the Most Important Financial Decision of 2016.
Now, let's take a look at one more step I recommend you take right away to prepare for this upcoming announcement...
STEP #3: Take Advantage of the Secret Currency Trade of the Decade
Most people have no idea that this opportunity even exists, but it's actually one of the best performing assets of all time.
And I believe it will provide incredible gains in the years to come.
I'm talking about a very lucrative and clever way to play the currency markets without ever having to actually trade foreign exchange.
This investment offers all the protection of gold (in fact it's backed by gold)... but it's actually even better than gold, for reasons you'll soon understand.
In fact, the last time the Salomon Brothers brokerage firm included this secret currency in its annual investment survey, this investment ranked No. 1 over the prior 20-year span, with an annual return of 17.3%. In other words, it was the single most profitable thing you could do with your money over the previous 20 years.
It beat stocks, bonds, gold, silver, artwork, diamonds, U.S. Treasury bills, real estate, and oil.
And as the dollar fell in the 1970s, this asset earned over 1,000%.
And again from 1986 and 1990, investors who took advantage of this investment saw profits of 665%. Stocks, meanwhile, went on a roller coaster ride -- including the 20%-plus one day crash in 1987.
On top of huge potential gains, this might also be the absolute safest place to put a good portion of your savings right now.
I think the gains could be much, much bigger this time around. Back in the 70s, many people were wary of owning various forms of gold, because it had been banned for so long. Today the market is much bigger, the gains could easily turn out to be 500% or more.
I don't want to reveal the secret right here.
But I will tell you all about it in a third research report I'd like to give you access to today.
It's called, The Secret Currency -- How to make 500% gains in the coming years, with very little risk.
And that leads me to our final, and probably most important, step...
STEP #4: Take advantage of the quickest, safest gains that result from this huge paradigm shift -- in China
One thing you need to realize is that what is happening with the Yuan's reserve currency status will likely become one of the biggest news stories and investment opportunities of the decade.
Putting just a little bit of money into this trend could make a huge difference in your savings and retirement accounts.
Because most people don't know that when the Chinese stock market moves, it can skyrocket hundreds of percent.
For example, from 2005 to 2007, the Shanghai Stock Exchange Composite Index soared more than 600%. That's triple what we just experienced over the past few years in the U.S. market.
Most Americans don't want to put money in China. And if you want to take Steps 1-3, and avoid Step #4 altogether, that's fine. You'll still safely make a lot of money in the coming years, just by sticking with Steps 1-3.
I strongly recommend you at least consider a very small investment in China, to take advantage of this move.
And to eliminate any confusion or hesitancy you might have, I've found two really safe ways for you to play this trade.
Let me explain...
First, take a look at this chart...
I believe it's likely to happen again.
Now, take a look here.
As you can see, U.S. stocks and Chinese stocks had about the same value from 2011 to 2012.
But now, there's a massive value gap.
So if that sounds like you, take your normal investing position, and cut it to 90%. Take that remaining 10% and just dip your toe into these investments.
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Here are 7 simple steps on how to fight speeding tickets and win — from an ex-cop - Sat 24 Oct 2015, 3:09 pm
Here are 7 simple steps on how to fight speeding tickets and win — from an ex-cop
Free Thought Project
24 Oct 2015 at 10:20 ET
Man stopped by police patrol car (Shutterstock)
It is estimated that in 2014 that there were over 41,000,000 speeding tickets issued in the USA and that over 25% of these were issued in error.
The most common errors include shadowing, RFI inference, cosine angle error, mechanical interference and devices that are out of calibration.
But out of these 41,000,000 speeding tickets only 5% challenged their citation in court.
And out of this 5% less than .05% beat their ticket or have it dismissed.
Why? Because they were not prepared!
The radar gun or lidar gun the police officer used to issue you your speeding ticket is a scientific instrument and because of this the officer must be certified and by law, must follow certain requirements.
So if you’re planning on fighting your ticket in court, we put together this guide to help disqualify the officer’s testimony and his/her equipment, so you have a better chance of winning your case.
Prepare Yourself Before You Ever Get Stopped
Before, during, and right after the stop are the most critical times to prepare your defense if you plan on fighting your speeding ticket.
Because of this, it’s CRITICAL that you remember EVERYTHING that is happening around you and document it:
- What was the traffic flow like
- What signs are on the roadway
- The condition of the roadway
- Other witnesses
- What is the weather like
As you’re doing this, look for a safe place to pull over for you and the police officer.
If you’re on the highway in busy traffic, put your flashers on, pull over to the right and consider exiting at the first exit.
Once you’re pulled over and stopped STAY IN YOUR CAR!
Many police officer shootings occur as the officer is approaching a violator. Because of this, his/her stress levels are high, and he/she is watching everything you and the occupants of the car are doing.
- Reach into the glove box
- Reach under your seat
- Keep your hands in plain sight
Your only job at this point is to reduce the officer’s stress level as much as possible.
The California Stop
One strategy to reduce the officer’s stress level is called the California Stop.
As the officer is exiting his car, roll down the driver’s side window.
If it is at night, turn on your interior lights
Then place your hands on the top of your steering wheel palms up, facing your face.
Doing this, the officer can immediately see that you’re not an immediate threat, and his stress level is reduced.
License, Registration, Insurance Card, any Weapons?
Now that the officer is standing next to your car one of the first things he is going to ask you is for your license, registration, insurance card and if you have any weapons in your possession.
If you do have any weapons, tell him where they are and follow his/her instructions and hopefully you’re properly licensed to possess them.
Do You Know Why I Stopped You?
Remember, everything you say or do will be documented by the officer so don’t admit anything, especially that you were not paying attention.
Just say “no officer, can you explain to me why you stopped me?”
Obey the Officer’s Requests
After the officer obtains the required documentation he may ask you to step out of your car or to remain in your car, just follow his commands.
Can I See Your Radar/Laser Gun?
If the officer says that he used a radar or laser gun, seem curious and ask the officer if you can see it and if he would be willing to explain to you how it works.
If the officer does allow you to see it, take a mental picture of the device, getting the manufacturer’s name and model number.
If he refuses to show you the gun, then just ask him if he could explain to you how it works.
As some point, the officer is going to either have you sign the citation or just hand you a copy.
While he is still with you, review the citation to see if he documented the type of device he used to measure your speed.
If he didn’t ask him/her to put on the citation the type of device he/she used.
Remember everything you do or say is being documented and possibly even being recorded by the officer.
It’s your job to do the same!
After the Stop
After the stop, find a safe place to pull over and write down EVERYTHING that happened. Then return to the area and snap photos of the area with a camera or your smartphone.
Get Ready for Your Case
Next it’s your job to get ready for your trial.
Step #1 – Know What the Officer Shot You With
To properly prepare your case, you first need to know what type of device the officer used to clock your speed.
Police radar guns transmit microwave radio signals, and it this type of enforcement that accounts for most speeding citations.Police lidar guns transmit a narrow beam of light in the near inferred light spectrum and they account for 20% of all traffic citations.
Other ways an officer can clock your speed are using a timing device such as a stopwatch or VASCAR, or following behind you clocking your speed using their speedometer.
Because of this, you need to know EXACTLY what the officer used to measure your speed.
Many jurisdictions will note on the citation what type of device was used and even the device’s serial number.
If this is not documented on your citation, then you may need to follow-up with a friendly telephone call to the agency or officer that issued you the citation and inquire.
Step #2 – Start by Downloading These Free NHTSA Guides
The National Highway Traffic Safety Administration is responsible for developing training programs responsive to the Uniform National Standards established by the Highway Safety Act of 1996.
Because of this, the NHTSA has published guidelines both police agencies and officers MUST follow when operating radar or laser.
As we will be referencing several portions of each of these guides in this article to help you build your case, we would recommend “googling” these titles and download these free PDFs now:
Speed-Measuring Device Performance Specification: Across-the-Road Radar Module
Lidar Speed Measuring Device Performance Specifications
Police Radar Instructor Training Course
Basic Training Program in Radar Speed Measurement
Step #3 – Have an Understanding of Case Law
Case Law Regarding the Use of Police Radar
If you were cited by an officer who used a police radar gun, your next step is to have a understanding of these most significant case laws pertaining to the use of radar in speed enforcement.
State of Florida v. Aquilera (1979)
This infamous case is known widely as the Miami Radar Trial. After a local television reporter showed a house clocked at 28 mph and a palm tree clocked at 86 mph, the story broke nationwide and radar was quickly shown to be less than accurate. In this case the Dade County Court sustained a motion to suppress the results of radar units in 80 speeding ticket cases.
The court’s opinion stated that the reliability of radar speed measuring devices as used in their present modes and particularly in some cases, has not been established beyond and to the exclusion of every reasonable doubt, nor has it met the test of reasonable scientific certainty.
United States v. Fields (1982)
District Court in Ohio ruled that it was not possible to establish from the radar results whether the defendant was traveling at 43 mph or whether the Speedgun 8 radar unit was measuring the rotation of the ventilation fan at the sewage pumping station next to the officer’s car.
The court also found that the officer was not qualified to operate the radar unit since he did not know the requirements for correct operation of the unit. In addition, the officer did not calibrate it before use, on that occasion.
Commonwealth of Kentucky v. Honeycutt (1966)
This case is a very common prosecution weapon against the 24 hours of classroom and 16 hours of field training requirement. In this case the court ruled that an officer should not be required to know the scientific principles of radar.
The court also ruled that the officer only needs to know how to properly set up, test and read the radar unit. As such, a few hours of instruction should be enough to qualify an officer to operate the radar unit.
State of Connecticut v. Tomanelli (1966)
In the case, which is the same year as the Honeycutt case, the Supreme Court of Connecticut ruled that “outside influences may affect the accuracy of the recording by a police radar set sufficient to raise a doubt as to the reliability of the speed recorded.”
The court also stated that tuning forks must be proved to be accurate to be accepted as valid tests of a radar unit. In order to establish the accuracy of the radar unit the operator must testify to the following:
- That he made tuning fork tests before and after the defendant’s speed was recorded.
- That the tests were made by activating 40, 60 and 80 mph tuning forks and by observing that the unit responded correctly in each case.
State of Minnesota v. Gerdes (1971)
The Supreme Court of Minnesota ruled that where the only means of testing the accuracy of a radar unit is an internal mechanism within the unit, and there is no other evidence of the motorist’s speed other than the radar reading, the conviction cannot be sustained.
The court also established the following conditions for proving the accuracy of the radar unit:
- The officer must have adequate training and experience in the operation of the radar unit.
- The officer must testify as to how the unit was set up and the conditions the unit was operated under.
- it must be proven that the unit was operated with a minimum possibility of distortion from external interference.
- The unit has to be tested with an external source, such as a tuning fork or an actual test run with another vehicle with an accurately calibrated speedometer.
People of New York v. Perlman (1977)
The Suffolk County District Court ruled that the radar device was not proved to be accurate since no external test had been performed before or after the arrest. This case is significant since it established the criteria of testing before and after a citation is issued.
State of Wisconsin v. Hanson (1978)
In this landmark case, the Supreme Court of Wisconsin set minimum conditions for the use of radar as evidence. Sufficient evidence to support a speeding conviction with moving radar will require testimony by a competent operating officer that:
- He had adequate training and experience in radar operation
- The radar unit was in proper working condition at the time of the arrest
- The radar unit was used in an area where there was a minimum possibility of distortion
- The input speed of the officer’s car was verified; the car’s speedometer was expertly tested within a reasonable period after the citation was issued
- All testing was done without the radar unit’s own internal calibration device being used
State of Florida v. Allweiss (1980)
The Pinellas County Court ruled that the testing methods for radar equipment are legally insufficient. “The use of such a tuning fork furnished by the manufacturer in this court’s opinion is tantamount to allowing the machine to test itself.
A tuning fork furnished by the manufacturer is merely an extension and part of the total speed measuring apparatus.
Case Law Regarding the Use of Police Lidar
If an officer used a police lidar gun to cite you, then your next step is to have a basic understanding of these most significant case laws that pertain to the use of lidar in speed enforcement.
Admissibility of Motor Vehicle Speed Readings
714 A.2d 381, 391-92 (New Jersey Superior Court 1998)
The Superior Court of New Jersey ordered that admissibility to lidar is subject to the following rules:
- Expert testimony is not required.
- Officers must be properly trained in the use of lidar and that training must be documented.
- The lidar must be tested according to procedures recommended by the manufacturer.
- The court further ordered that the lidar be tested against a known speed.
- Speed reading obtained by lidar are not affected by temperature, the degree of ambient light, or light to moderate rain. Readings shall not be accepted during heavy rainfall or while snow is falling.
- Speed reading made at distances up to 1,000 feet are admissible. Readings obtained in excess of 1,000 feet shall be admitted only with supporting evidence and expert testimony
State of Hawaii v Abiye Assay
Once an officer has completed a course of instruction and certified to operate lidar – training is not done. Officers must understand (memorize) 11.2 Principles of Operation.
For example, during the known-distance test officers must testify that the lidar uses proven time-distance formulas (pulse principle) and the speed of light (universal constant) to determine the known distance. Since the lidar utilizes one microprocessor to calculate time-of-flight and thus confirms the correct pulse repetition frequency, the lidar can accurately determine speed.
Then officers must obtain, read, and understand the manufacturer’s operator’s manual (10.7 Certification) for the particular lidar used and follow the manufacturer-recommended procedures for testing. Officers must further test the lidar as outlined in 11.16 Testing the LIDAR:
Known Speed Test. All lidars must include a Technician Certification (10.7 & 11.16) every 3 years in accordance with manufacture’s specifications and NHTSA standards. (Note: New lidars come with a Technician Certification from the factory.)
Officers must successfully complete Visual Speed Estimations, Enclosure 13.2 and be prepared to present this information in a court of law. During operation officers must understand and follow a proper tracking history (11.4 Lidar Tracking History) and be prepared to testify as to visual observations and speed estimates prior to clocking with lidar.
Officers must understand all lidar effects (11.5Lidar Effects), including proper operation to avoid any of these effects. Officer must be currently certified (10.7 Certification) to operate radar/lidar. Finally, the officer must prepare all court cases as outlined in this manual. (10.8 Court Testimony, 10.9 Traffic Evidence Kit)
Step #4 – Get the Manufacture’s Manuals
Next you will want to obtain the manuals from the manufacturer for the speed measurement device used by the officer.
Sometimes a simple search on Google can locate these.
If not, you then may have to contact the manufacturer to purchase a copy and/or subpoena the manual through the courts from the police agency.
Take special note what the manufacturer’s recommendations are as far as:
- Use and Care of
- Any training and certification that may be required
- Recommended record keeping
- Tuning fork care of the device and recommendations
Step #5 – Subpoena Records
Next, you will want to contact the court to find out the procedures in obtaining the following records from the police agency through a subpoena:
- Officers training records
- Officers disciplinary reports
- Radar/Laser device maintenance records
- Tuning fork calibration records (radar)
- Officers certification records for the device
- Annual calibration records for the device
- Daily calibration records for the device
Step #6 – POST Records
All states have what is called Police Officer Standard Training (POST) regarding the certification and use of speed measurement devices.
Contact your state agency and request copies of these.
Step #7 – Preparing Your Defense
Now that you have all the information you need, it’s time to go through all these manuals, training records, and training guides to discredit the officer and the equipment he/she used to issue you your citation.
Here are some examples:
Was the Officer Properly Trained/Certified to Use the Equipment?
National Highway Traffic Safety Administration and case law requires that the officer issuing you the citation be properly trained and certified for the device he/she used to issue you your citation.
Once you receive his training records, check this, along with the operator manual for that particular radar/lidar gun to see if any updated training was required.
Was the Radar/Lidar Device Operated Properly?
One example we assisted in preparing a defense on was regarding an officer who targeted vehicles with his laser gun, aiming at their reflection in his side view mirror.
During the questioning of the officer, the defendant asked in what training guide and/or manual could the officer reference that this type of targeting was approved.
Because the officer could not provide this information, the case was dismissed.
When Was the Radar/Laser Gun Last Certified?
In 2004, a reporter from the Hartford Courant newspaper contacted us regarding a speeding ticket she received and asked for some tips.
The first thing I asked her to do was to check the calibration certification records on the radar gun the officer used to issue her the citation.
A few days later she called us back and related that the last certification was done over 4 years ago.
Did the Officer Properly Calibrate the Radar/Lidar Gun?
It is required that the officer perform a calibration check prior to and after issuing any citations during his/her shift as outlined in the manual for that particular make/model.
However, we have found that even if the officer may have performed this calibration test, they never documented it. This is how you can impeach an officer regarding his/her test.
One of the first things a police recruit is ever taught in training is to document EVERYTHING.
Thus, this calibration test should be documented by the officer either on the citation that was issued, in his personal notebook, on the logbook, or on the units calibration records.
Did the Officer Use the Correct Tuning Fork(s)?
Each tuning fork used for calibration is designed for a particular make/model of radar and/or laser gun and is serialized.
Check this serial number against the calibration records for that particular unit while also noting the last date of the calibration of the tuning fork(s).
Are There Any Cracks or Chips in the Tuning Fork?
A strategy we have shared with clients is to subpoena the tuning fork(s) used during the calibration and check them prior to the trial.
Because tuning forks are made from a light aluminum alloy, if dropped, small chips and/or cracks may form, which will impact the accuracy of the tuning fork.
If these chips and/or cracks are observed, then while the officer is on the stand, introduce these tuning forks into evidence asking if these were the ones used to calibrate the gun.
Once he/she does confirm this you can then introduce into evidence the facts on how this could impact the officer’s calibration test.
Was There a Shadow Error?
A Shadow Error occurs when the moving radar’s “Low Doppler” incorrectly locks onto a large metal object like an 18 wheeler in front of the patrol car and adds the speed differential to the opposite lane target vehicle’s speed.
Was There a VSS Error?
Low Doppler is used to determine the patrol vehicles speed. Shadowing has and is being eliminated by interfacing the police radar gun into the vehicle’s speed sensor. This is known as VSS or Vehicle Speed Sensor interface.
Now that the patrol car’s speed is obtained by the vehicle’s own speed sensor, the low Doppler signal from the police radar gun can be compared and accuracy is increased.
Was There a Cosine Error?
Cosine error is standard with both radar and laser guns. The greater the transmission angles of the gun to the target vehicle, the greater the error.
Who does the error favor?
Well if it was a stationary radar gun or a laser gun, the error is in YOUR FAVOR!
An example would be a stationary speed radar/lidar gun transmitting at a 10′ degree angle from the approaching target vehicle. The target vehicle’s actual speed is 60 mph, but the radar gun shows 59 mph.
However, if it is a moving radar, the consign angle could put you at a disadvantage.
Moving radar was developed so an officer could measure your speed while he is driving.
To do this, the moving radar has to capture the speed of his vehicle and the speed of your vehicle and then the internal computer displays both his speed and your speed on the display.
The speeds are computed accurately as long as the officer is within a ten-degree angle as you approach.
However, if your vehicle is at a greater angle than this, it’s anyone’s guess who has the edge.
Was the Officer’s Heater or Air Conditioner On?
In 2004, the Pennsylvania State Police purchased hundreds of new radar guns.
They were clocking rocks at 70 mph.
This is an example of mechanical interference as the police car’s heater/air conditioner fan was producing the erroneous speed-reading.
The fact remains; radar and laser guns still make mistakes.
If you successfully apply all the information in this article, you should have a very good chance of beating your next speeding ticket.
This story first appeared at The Free Thought Project.
Need More Help and/or Advice From Radar Roy?
Since 1997 Radar Roy has helped thousands of people just like you beat their speeding tickets in court through his helpful guides and resources found on his website RadarBusters.com
In 1995, Radar Roy retired at the rank of Lieutenant from the Maricopa County Sheriff’s Office and then went on to teach you how to fight the system.
Immigrant/Refugee Protests Building in Germany - Tue 20 Oct 2015, 6:18 pm
Immigrant/Refugee Protests Building in Germany
Posted on October 20, 2015 by Martin Armstrong
Protests are rising in Germany over the entire immigrant/refugee issue. This is the backdrop to the rumors running around behind closed doors in Berlin. Political rule #1 for an economic crisis: closing the borders for immigration in a downward economic trend leads to violence.
This entry was posted in Germany and tagged German Refugee Crisis, Refugee Crisis by Martin Armstrong. Bookmark the permalink.
First full year in new venture - Mon 19 Oct 2015, 5:30 am
The 10 Big Lies of Multi-Level Marketing
by Robert L. FitzPatrick
The multi-level marketing (MLM) field grows and its member companies multiply. Solicitations to join the movement seem to be everywhere. The impression accordingly grows that it is indeed the "wave of the future", a business model that is gaining momentum, growing in acceptance and legitimacy and, as its promoters claim, will eventually replace most other forms of marketing and sales. Many are led to believe the assertions that success can be found by anyone who faithfully believes in the system and steadfastly adheres to its methods and that, eventually, all of us will become MLM distributors.
My analysis of the MLM business is based upon fourteen years experience in corporate consulting specifically in the distribution field and more than 10 years of research and writing about the MLM model. This has included serving as expert witness in state and federal court cases, corresponding directly with more than 1,500 participants, writing a book, being interviewed for local and national radio, television, newspapers and magazines, and carefully studying numerous MLM marketing and pay plans.
This research has shown that the MLM business model, as it is practiced by most companies, is a marketplace hoax. In those cases, the business is primarily a scheme to continuously enroll distributors and little product is ever retailed to consumers who are not also enrolled as distributors.
In general, MLM industry claims of distributor income potential, its descriptions of the 'network' business model and its prophecies of a reigning destiny in product distribution have as much validity in business as UFO sightings do in the realm of science.
Financially, the odds for an individual to achieve financial success under those circumstances rival the odds of winning at the tables in Las Vegas.
The very legality of the MLM system rests tenuously upon a single 1979 ruling on one company. The guidelines for legality that are set forth in that ruling are routinely ignored by the industry. Lack of governing legislation or oversight by any designated authority also enables the industry to endure despite occasional prosecutions by state Attorneys General or the FTC.
MLM is not defined and regulated like, for instance, franchises are. MLMs can be established without federal or state approval. There is no federal law specifically against pyramid schemes. Many state anti-pyramid statutes are vague or weak. State or federal regulation usually involves first proving that the company is a pyramid scheme. This process can take years and by then, the damage to consumers is done. Indeed, even when MLM pyramids are shut down, often the promoters immediately set up new companies under new names and resume scamming the public.
MLM's economic score card is characterized by massive failure rates and financial losses for millions of consumers. Its structure in which positions on an endless sales chain are purchased by selling or buying goods is mathematically unsustainable and its system of allowing unlimited numbers of distributors in any market area is inherently unstable.
MLM's espoused core business - personal retailing - is contrary to trends in communication technology, cost-effective distribution, and consumer buying preferences. The retailing activity is, in reality, only a pretext for the actual core business - enrolling investors in pyramid organizations that promise exponential income growth.
As in all pyramid schemes, the incomes of those distributors at the top and the profits to the sponsoring corporations come from a continuous influx of new investors at the bottom. Viewed superficially in terms of company profits and the wealth of an elite group at the pinnacle of the MLM industry, the model can appear viable to the uninformed, just as all pyramid schemes do before they collapse or are exposed by authorities.
Deceptive marketing that ably plays upon treasured cultural beliefs, social and personal needs, and some economic trends account for MLM's growth, rather than its ability to meet any consumer needs. The deceptive marketing is nurtured by a general lack of professional evaluation or investigation by reputable business media. Consequently, a popular delusion is supported that MLM is a viable business investment or career choice for nearly everyone and the odds of financial success in the venture are comparable or better than other trades, professions, employment or business ventures.
MLM's true constituency is not the consuming public but rather hopeful investors. The market for these investors grows significantly in times of economic transition, globalization and employee displacement. Promises of quick and easy financial deliverance and the beguiling association of wealth with ultimate happiness also play well in this market setting. The marketing thrust of MLM is accordingly directed to prospective distributors, rather than product promotions to purchasers. Its true products are not long distance phone services, vitamin pills, health potions or skin lotions, but rather the investment propositions for distributorships, which are deceptively portrayed with images of high income, minimal time requirements, small capital investments and early success.
The word, lie, is provoking and it is used here for provocative purposes. At some level, everyone who participates in MLM in which little retailing is occurring is unconsciously lying to himself or herself. Many at the top of these organizations are consciously lying to everyone else. Deception is inherent in this type of MLM scheme and is pervasive in its marketing. Here are 10 of the biggest lies I have found to be present in almost every MLM I have encountered.
Lie #1: MLM is a business offering better opportunities for making large sums of money than all other conventional business and professional models.
Truth: For almost everyone who invests MLM turns out to be a losing financial proposition. This is not an opinion, but a historical fact. Consider some notable examples from among the largest MLMs.
In the largest of all MLMs, Amway, only 1/2 of one percent of all distributors make it to the basic level of "direct" distributor, and the average income of all Amway distributors is about $40 a month. That is gross income before taxes and expenses. When costs are factored, it is obvious that nearly all suffer a loss. Making it to "direct", however, is not a ticket to profitability, but to greater losses. When the Wisconsin Attorney General filed charges against Amway, tax returns from all distributors in the state revealed an average net loss of $918 for that state's "direct" distributors.
Extraordinary sales and marketing obstacles account for much of this failure, but even if the business were more feasible, sheer mathematics would severely limit the opportunity. The MLM type of business structure can support only a small number of financial winners. If a 1,000-person downline is needed to earn a sustainable income, those 1,000 will need one million more to duplicate the success. How many people can realistically be enrolled? Much of what appears as growth is in fact only the continuous churning of new enrollees. The money for the rare winners comes from the constant enrollment of armies of losers.
The vast majority of the losers in MLM drop out within a year. In a 1999 court case brought against Melaleuca, one of the country's largest MLMs, the company claimed it has the highest "retention" rate among distributors in the entire MLM industry. Melaleuca boasted a drop-out rate is 5.5% per month. This equates to about 60% per year, if the dropouts are replaced each month.
In its annual report to the SEC, Pre-Paid Legal, another large MLM, revealed that more than 1/2 of all its customers and distributors quit each year and are replaced by another group of hopeful investors.
This pattern of 50-70% of all distributors quitting within one year holds true also for NuSkin, the industry's second largest MLM. NuSkin also exemplifies the accompanying pattern in which a tiny percent of the distributors gain the majority of all company rebates. In 1998, NuSkin paid out 2/3rds of its entire rebates to just 200 upliners out of more than 63,000 "active" distributors. The money they received came directly from the unprofitably investments of the 99.7% of the others.
In 1995, Excel Communications, another "fast growing" MLM, reported to regulators an 86% turnover rate of distributors and 48% drop-out rate among all customers.
To obscure their dismal numbers, some MLMs classify their distributors as "active" and "inactive." The Active group includes only recent participants and those still buying products or receiving rebates. Payout and retention statistics are then disclosed only on the "active" group.
If ALL distributors who participate are included the losses and the average incomes are exposed as much worse. And, if all the distributors who enroll and quit over several years are included, the odds of success for a new distributor/investor are shown to be absurdly low. Yet, these companies typically advertise their business as "an opportunity of a life time" with "unlimited potential."
Lie #2: Network marketing is the most popular and effective new way to bring products to market. Consumers like to buy products on a one-to-one basis in the MLM model.
Truth: If you strip MLM of its hallmark activity of continuously reselling distributorships and examine its foundation, the one-to-one retailing of products to customers, you encounter an unproductive and impractical system of sales upon which the entire structure is supposed to rest. Personal retailing is a thing of the past, not the wave of the future. Retailing directly to friends on a one-to-one basis requires people to drastically change their buying habits. They must restrict their choices, often pay more for goods, buy inconveniently, and awkwardly engage in business transactions with close friends and relatives. The unfeasibility of door-to-door retailing is why MLM is, in reality, a business that just keeps reselling the opportunity to sign up more distributors.
Lie #3: Eventually all products will be sold by MLM, a new form of marketing. Retail stores, shopping malls, catalogues and most forms of advertising will soon be rendered obsolete by MLM.
Truth: MLM is not new. It has been around since the late 1960's. Yet, today it still represents less than one percent of US retail sales. In year 2000, total US retail sales were $3.232 trillion, according to the Dept. of Commerce. MLM's total sales are about $10 billion. That is about 1/3rd of one percent and most of this sales volume is accounted for by the purchases of hopeful new distributors who are actually paying the price of admission to a business they will soon abandon. Not only are MLM sales insignificant in the marketplace, but MLM fails as a sales model also on the other key factor maintaining customers. Most MLM customers quit buying the goods as soon as they quit seeking the "business opportunity." There is no brand loyalty.
These basic facts show that, as a marketing model, MLM is not replacing existing forms of marketing. It does not legitimately compete with other marketing approaches at all. Rather, MLM represents a new investment scheme that uses the language of marketing and sales of products. Its real products are distributorships which are sold with misrepresentation and exaggerated promises of income. People are buying products in order to secure positions on the sales pyramid. The possibility is always held out that you may become rich if not from your own efforts then from some unknown person who might join your 'downline,' the 'big fish' as they are called.
MLM's growth is a manifestation not of its value to the economy, customers or distributors but of the recently high levels of economic fear and insecurity and rising expectations of quick and easy wealth. It is growing in the same way day trading on the stock market, legalized gambling and lotteries are.
Lie #4: MLM is a new way of life that offers happiness and fulfillment. It is a means to attain all the good things in life.
Truth: The most prominent motivating appeal of the MLM industry as shown in industry literature and presented at recruitment meetings is the crassest form of materialism. Fortune 100 companies would blush at the excess of promises of wealth and luxury put forth by MLM solicitors. These promises are presented as the ticket to personal fulfillment. MLM's overreaching appeal to wealth and luxury conflicts with most people's true desire for meaningful and fulfilling work in something in which they have special talent or interest. In short, the culture of this business side tracks many people from their personal values and desires to express their unique talents and aspirations.
Lie #5: MLM is a spiritual movement.
Truth: The use of spiritual concepts like prosperity consciousness and creative visualization to promote MLM enrollment, the use of words like 'communion' to describe a sales organization, and claims that MLM is a fulfillment of Christian principles or Scriptural prophecies are great distortions of these spiritual practices. Those who focus their hopes and dreams upon wealth as the answer to their prayers lose sight of genuine spirituality as taught by all the great religions and faiths of humankind. The misuse of these spiritual principles should be a signal that the investment opportunity is deceptive. When a product is wrapped in the flag or in religion, buyer beware! The 'community' and 'support' offered by MLM organizations to new recruits are based entirely upon their purchases. If the purchases and enrollment decline, so does the 'communion.'
Lie #6: Success in MLM is easy. Friends and relatives are the natural prospects. Those who love and support you will become your lifetime customers.
Truth: The commercialization of family and friendship relations or the use of 'warm leads' which is required in the MLM marketing program is a destructive element in the community and very unhealthy for individuals involved. Capitalizing upon family ties and loyalties of friendships in order to build a business can destroy ones social foundation. It places stress on relationships that may never return to their original bases of love, loyalty and support. Beyond its destructive social aspects, experience shows that few people enjoy or appreciate being solicited by friends and relatives to buy products.
Lie #7: You can do MLM in your spare time. As a business, it offers the greatest flexibility and personal freedom of time. A few hours a week can earn a significant supplemental income and may grow to a very large income making other work unnecessary
Truth: decades of experience involving millions of people have proven that making money in MLM requires extraordinary time commitment as well as considerable personal wiliness, persistence and deception. Beyond the sheer hard work and special aptitude required, the business model inherently consumes more areas of ones life and greater segments of time. In MLM, everyone is a prospect. Every waking moment is a potential time for marketing. There are no off-limit places, people or times for selling. Consequently, there is no free space or free time once a person enrolls in MLM system.
Under the guise of creating money independently and in your free time, the system gains control and dominance over people's entire lives and requires rigid conformity to the program. This accounts for why so many people who become deeply involved end up needing and relying upon MLM desperately. They alienate or abandon other sustaining relationships.
Lie #8. MLM is a positive, supportive new business that affirms the human spirit and personal freedom.
Truth: MLM marketing materials reveal that much of the message is fear-driven and based upon deception about income potential. Solicitations frequently include dire predictions about the impending collapse of other forms of distribution, the disintegration or insensitivity of corporate America, and the lack of opportunity in other professions or services. Conventional professions, trades and business are routinely demeaned and ridiculed for not offering 'unlimited income.' Employment is cast as wage enslavement for 'losers.' MLM is presented as the last best hope for many people. This approach, in addition to being deceptive, frequently has a discouraging effect on people who otherwise would pursue their own unique visions of success and happiness. A sound business opportunity does not have to base its worth on negative predictions and warnings.
Lie #9. MLM is the best option for owning your own business and attaining real economic independence.
Truth: MLM is not true self-employment. 'Owning' an MLM distributorship is an illusion. Some MLM companies forbid distributors from carrying additional lines. Most MLM contracts make termination of the distributorship easy and immediate for the company. Short of termination, downlines can be taken away with a variety of means. Participation requires rigid adherence to the 'duplication' model, not independence and individuality. MLM distributors are not entrepreneurs but joiners in a complex hierarchical system over which they have little control.
Lie #10: MLM is not a pyramid scheme because products are sold.
Truth: The sale of products is in no way a protection from anti-pyramid scheme statutes or unfair trade practices set forth in federal and state law. MLMs that sell useful, quality products have been successfully prosecuted under anti-pyramid scheme laws by state and federal officials. MLM is a legal form of business only under certain rigid conditions set forth by the FTC and state Attorneys General. Many MLMs are currently in gross violation of these guidelines and operate only because they have not been prosecuted. Recent court rulings are using a 70% rule to determine an MLM's legality. At least 70% of all goods sold by the MLM company must be purchased by non-distributors. This standard would place most MLM companies outside the law. The largest of all MLMs acknowledges that only 18% of its sales are made to non-distributors.
Robert Fitzpatrick is president of Pyramid Scheme Alert and co-author of the book, False Profits: Seeking Financial and Spiritual Deliverance in Multi-level Marketing and Pyramid Schemes. He is the publisher of THE EAGLE, a quarterly journal on distribution-related issues in the printing and digital imaging industries, continuously published since 1981. He is an author of numerous articles and monographs on distributor marketing in mature industries and he has provided direct consulting services to major manufacturers and distributors including DuPont, Fuji Film USA, Polaroid, and many others. He is a featured speaker at corporate and trade association conferences in the US and abroad. He occasionally serves as expert witness in cases brought by state Attorneys General or by distributors against multi-level marketing companies charged with operating as pyramid schemes. Robert Fitzpatrick can be reached at 1522 Lilac Rd., Charlotte, NC 28209, Tel: (704) 334-2047, email: RFitzPatrick@pyramidschemealert.org, websites: http://www.pyramidschemealert.org and http://www.falseprofits.com
Watch VIDEO: Dutch Muslim Immigrant kids warn: CONVERT OR DIE - Fri 16 Oct 2015, 7:32 pm
Watch VIDEO: Dutch Muslim Immigrant kids warn: CONVERT OR DIE
ByPamela Geller on October 15, 2015
- See more at: http://pamelageller.com/2015/10/watch-video-dutch-muslim-immigrant-kids-warn-convert-or-die.html/#sthash.V8q5Zi9g.dpuf
Watch this exchange with a group of young Muslims in Holland. No media will ever conduct interviews such as this — but it must be seen. This is Europe’s future. Note how confident they are, brazen in their Islamic supremacism
Muslim boy #1: The kufar are standing in our way!
Interviewer: Who exactly are they?
Muslim boy #1: They are the “unbelievers.” For example people who have no faith in Islam.
Interviewer: What’s wrong with those people?
Muslim boy #1: It’ s not tolerated
Muslim kid #2: What they do is wrong. It is very easy to say …. they don’t worship Allah.
Interviewer: And what do you think about Dutch women and the way they dress themselves.
Muslim kid #3 It’s not according to our faith. I think it’s no good. No? No!
Muslim boy #1: We have to maltreat them. Yes!
Muslim teen #2: Finally it comes to it comes to this it has to be (says something in Arabic)… an Islamic state.
Where are Muslim simply can live according to Islam rules. Further, we don’t need anything else. That’s the only thing we need!
Muslim boy #1: If ISIS will come in and shoot us dead it wouldn’t be there for. We are living in a “Kufar State.” how have I to say it. It’s not our fault. They would not be punished for that. We will be punished.
My last words, when I want to say, convert yourself to Islam. All of you!
Girls behave yourself!~ And dress appropriately. Call 06112…
Let the fire. Let the fire. Let the fire in Palestine.
(no rant is complete without a helping of Jew hatred).
- See more at: http://pamelageller.com/2015/10/watch-video-dutch-muslim-immigrant-kids-warn-convert-or-die.html/#sthash.V8q5Zi9g.dpuf
Homeless Survival : Practical Tips And Advice Derived From Personal Experience - Mon 12 Oct 2015, 4:12 pm
Homeless Survival : Practical Tips And Advice Derived From Personal Experience
October 12, 2015
by Urban Nomad
These days, “survivalism” has come to mean preparing for great events like nuclear holocaust or total government collapse. But disaster may come on a much more personal level. Individuals can suffer catastrophe as surely as nations can. When they do, it can be even more distressing because individuals feel alone in their suffering. I am talking about personal financial ruin and homelessness. Thousands of people across North America, indeed the world, have already experienced it following bankruptcies and foreclosures.
Whole families have been evicted from their homes, some quite forcibly. We see dozens of tent cities appearing across America, and more people ordering storage containers to live in. What we don’t see are the “hidden homeless” – those forced to survive by couch-surfing or moving back in with family. If 47 + million Americans now live below the poverty line, that means 47 + million who are either homeless or in imminent danger of becoming so. And the number is still growing.
When I lost my own job a while ago, I was not overly concerned. I had enough savings to live on for over a year. Then the economy self-destructed. It became exceedingly difficult to score a job interview, let alone an actual job. As the months of unemployment dragged on, my savings dwindled until I was forced for the very first time to consider homelessness as a real possibility.
What would I do if worse came to worst? How would I live? Not being a “rugged” or “street-smart” person at all, I knew from the outset that I could not follow the prevailing wisdom of living as the homeless do and trying to blend in with them. Sleeping in bus shelters, eating from dumpsters, and staying in homeless shelters was not for me. I feel that joining the homeless population, as many recommend, severely limits your options, especially if you hold out any hope of ever rejoining society.
My only survival experience comes from camping and backpacking. I’ve survived for days or weeks with just the supplies on my back. So I tried to adapt that same knowledge to an urban environment, envisioning a new kind of “home-free” lifestyle. I prefer to call it “distributed living” or being an “urban nomad” because it lets you have most of life’s necessities, just not all in one place. It’s based on the backpacking model of carrying everything you need with you and being self-sufficient. It does require some resources and preparation. A plan like this must be undertaken before you actually become homeless, when you still have some money and credit to draw on.
Fortunately, homelessness is more easily anticipated than some other disasters. You often can see it coming months in advance. But even those who do may prefer to live in denial. You may think it cannot happen to you. But it has already happened to thousands who thought it could never happen to them either. Nobody plans to end up in a homeless encampment. But lately, this is where more and more of the former middle-class are landing. Even many famous celebrities have had periods of homelessness.
If you’re one of the lucky few who have nothing to worry about financially, remember that poverty is not the only cause of homelessness. Things like chemical spills, radiation leaks, brush fires, mudslides, arson, water main breaking, and civil unrest could all force you from your home as surely as mounting debt can.
Natural disasters can strike anyone at any time. Hurricane Katrina rendered an entire city’s population homeless within hours. So have tornadoes in America’s heartland and nuclear meltdown in Japan. In such situations, people with vehicles and bug out bags ready will be survivors. Everyone else will be refugees. With that in mind, the following suggestions should be helpful to many, whether facing imminent homelessness or not. They can also be used in partial disaster scenarios where much of society still functions, with only some residents being displaced.
Obviously this is the main problem faced by the homeless. Those who stay in the city are restricted by laws against putting up any kind of temporary shelter. This is why the homeless are so often seen huddling in doorways, alcoves, tunnels, etc. Many cities have outlawed sleeping outdoors, which gives police the power to harass anyone they see lying down with their eyes closed. In fact, as long as you can be seen by anyone at night, your safety is at risk.
Homeless shelters may be no better. Filled with drugs and mental illness, they can be more dangerous than the streets, and many transients know enough to avoid them. Similar problems exist in tent cities. Diseases and parasites can easily spread when many people, all with poor hygiene, live close together.
Wooded areas appear safer and can be found throughout cities in the form of ravines, forests, valleys and parks. Some homeless build shelters there using tarps, plywood, cardboard boxes, or whatever else they can find. This may work for a while. But authorities keep tabs on these encampments and sooner or later come to take them down. Also, any shelter can be a target for thieves and squatters when you’re not there. Its mere presence during the day tells everyone that homeless person is living there.
I get around these problems by using a relatively inexpensive “pop-up “camouflage dome tent found online. A pop-up tent can be set up and taken down extremely fast, with very little effort. The idea is to find a secluded area in the woods or a local park, put up the tent at sunset, and then take it down again at or before sunrise the next morning. There is no campsite for anyone to find because it does not exist during the day. This is also known as stealth camping and many long-distance cyclists use it to avoid staying in motels. They camp on public or private land and take off before anyone knows they were there.
Your safety will come from being totally hidden. For anyone to see you sleeping at night, they would have to enter the forest after dark, leave the path at the right spot, and see through your camouflage. Even in broad daylight, a camo tent amid foliage is hard to spot. I have spent several nights in city parks using this method and haven’t yet been detected. A tent is one of the best possible temporary shelters you can use and gives a sense of security, even if it is mostly psychological. It does need a relatively flat, clear area of ground to be set up, so scout locations before you need them and clear them of debris before nightfall.
An even smaller shelter that fits practically anywhere is the bivy sack– essentially a zippered bag just large enough for your body, made of waterproof, breathable material. Some fold down to the size of a water bottle. A bivy will keep you dry and sheltered but won’t have room for anything else, like changing clothes. Some come with a framework that holds the fabric away from your face for some breathing room.
Satellite images on Google Maps are great for finding dense woods in your area. You want areas that are more “wild” and overgrown, not those which are obviously mowed and well maintained by the parks department(though if you are very diligent about always taking your tent down at sunrise, you should have no problems either way).
Find spots which are totally hidden from both the trail and the street. At the same time, they should not be too far from places you want to go during the day. Eventually you will have memorized a few ideal spots around the city and can rotate between them so that you never camp in the same place too long. I use a heavy camouflage tarp as a groundsheet, protecting the tent floor from sharp debris. This can double as a cover for your gear, keeping it dry and hidden in the forest while you go about your daily business.
Do not try to weather a serious storm in a tent. At such times, train stations, bus stations and airports are better choices. They are open24 hours a day and are designed for people to wait in, with ample seating, bathrooms, snack bars, and sometimes wi-fi.
In bad weather, some people will be sleeping in their seats or on the floor due to transit delays, and you can blend in with them. Keep a travel book from the library across your chest or some old boarding passes sticking out of your pocket. If you are in an airport with multiple terminals, change terminals every so often. Lingering in one place too long may attract the attention of security(though I have heard of one woman living for months at the airport before anyone caught on). Hospital waiting rooms may be almost as good.
As an urban nomad, pick your outfit very carefully. It must not only protect you from the elements and carry what you need it to carry but also fit into an urban setting without looking odd. In my opinion, black should be the color of all your items, including bags. Black looks right at home in the city, can go longer between washings without looking dirty, makes your bags and pockets look smaller despite being packed with stuff, and will render you practically invisible at night. My all-black outfit consists of:
- waterproof hiking shoes
- paratrooper or cargo pants (lots of pockets)
- alternate pair of waterproof pants
- hoodie sweater
- expedition vest filled with pockets
- waterproof coat with hood
- baseball cap with built-in LEDs (like the Panther Vision power cap, for hands-free lighting at night)
Add to this a week’s worth of clean socks and underwear, as well as duplicate pants and hoodie so you’ll still have something to wear when doing laundry. In cold weather, I add wool socks, thermal insoles, wool turtleneck, wool long underwear, waterproof mitts, and a balaclava.
Huge packs made for backpacking may look odd in the city. I use a large size army surplus ALICE pack to carry bulky items such as sleeping bag and sleeping pad, with tent strapped to the outside. Choose a backpack that places the weight on your hips, not your shoulders, as the ALICE does. Urban commuter bags and messenger bags also work well for the city. You should be able to carry everything yourself when you need to. At other times, leave some of it stored or hidden and carry only what you need for that day. As backpackers know, the level of fitness required to carry everything you need on your back is not inconsiderable. So get in shape.
A compression sack may help fit everything in. Used by the army, this is a sack meant to be carried inside your pack. Fill it with compressible items (usually sleeping bag and clothes), then squeeze everything down, usually by sitting on it. At the same time, tighten all the straps around the sack. It will retain its smaller size until opened again.
Besides clothing, this is the other area that gives homeless people away. Though cities are filled with public bathrooms, it is hard to find one private enough to do anything more than use the toilet and wash your hands. So I recommend carrying a collapsible pail (found at camping stores) and a magnetic mirror (from a school supply store or dollar store).
Collapsible pails fold down flat to take up very little space in your pack. Fill one with warm water from the sink and bring it into one of the stalls. Set the pail atop the toilet tank or hang it from something if possible. Stick your magnetic mirror to the stall wall and use the pail as your sink. Now you can shave, brush teeth, and scrub your armpits in relative privacy.
Avoid bathrooms frequented by the homeless which tend to be the filthiest and most dangerous (eg. those in subways, public squares, certain restaurants, etc.). Clean, even elegant restrooms can be found in upscale shopping centers, colleges, theatres, airports, office buildings… places the homeless generally avoid. In hot weather, it may be possible to bathe in the same lakes and rivers where people go swimming.
When only a hot shower will do, visit a gym, YMCA, or university athletic center for the day, all of which have well appointed locker rooms. Fitness centers on college campuses may just be the cheapest, cleanest and safest, and are usually open to the public. A year’s membership will likely cost less than one month of rent, and may include perks like free wi-fi, towel service and a locker. It also provides a place to work out, rest, and socialize. Keeping suit clothes in your locker will allow you to go for job interviews. Beaches and campgrounds are other places to look for showers.
The travel section of dollar stores is a good place to pick up lightweight hygiene products like mini shampoo, mouthwash and toothpaste. Don’t forget plastic containers for your soap and toothbrush, and pill boxes to carry Aspirin, vitamins, and any medication you need. I keep all toiletries in a mesh bag which lets them air out after use. Replace your regular towel with a small, super absorbent one from a backpacking store. A battery-powered travel razor will let you shave just about anywhere, any time. Get one that runs on AA batteries as opposed to a plug-in rechargeable. Look for any way to save space, for instance using a bottle of camping soap also as dishwashing liquid and shampoo.
Facial cleansing cloths, wet naps, and hand sanitizer can keep you clean without water. If given any at a restaurant, save them until needed. Use those wet naps on your armpits and groin if necessary, where bacteria flourish. Use a high SPF sunscreen to avoid the telltale sunburn that many homeless people have. And if the look suits you, shave your head and forget about all the maintenance that comes with having hair.
Always practice good hygiene and grooming, not just for your own health but to keep blending in with civilized society. If you look and smell like a bum, you will find many doors closed to you.
The homeless survivalist does not have the option of storing food long-term or buying in bulk. You can only stockpile what you can carry – which amounts to maybe a week’s worth of sustenance at most. Peanut butter is an excellent choice, being easy to carry and eat, high in calories and protein, and needing no refrigeration. Trail mix is another. There’s a lot of energy in nuts and seeds, and most of these mixes now come in resealable bags. Think like a backpacker, keeping heavy items like canned goods to a minimum and removing any unnecessary packaging from foods to make them lighter.
Dried (dehydrated) foods are the lightest. Foods that are simple, won’t spoil quickly, and require little to no cooking are well suited for the urban nomad: think beef jerky, granola bars, raisins and other dried fruits, corn chips, banana chips, buns, bagels, raisin bread, peanuts, instant soups, etc. Again, dollar stores are good places to procure these items cheaply. Because your diet is sure to drop in quality, take a multivitamin daily as well.
Carry your food in a reusable cloth shopping bag and you will simply look as though you’ve just been grocery shopping. Also keep a length of rope in this bag for hanging it from a tree when in the forest. Never keep food in your tent or your pockets at night, especially in city parks teeming with raccoons.
You should still have some means of cooking food. Needless to say, a big open fire in the woods would give away your presence. My personal choice was a Jet boil propane stove, with an Emberlit stove as backup. The Jet boil may be the fastest, most efficient means of boiling water outside, making it good for preparing instant foods and purifying water. The Emberlit stove is a wood stove. It folds flat, taking up almost no space in a pack, and its fuel is essentially free. It lets you cook with a very small fire well suited to stealth camping.
Look into the ultra-light, compact kitchen utensils that backpackers use. Such products are designed to fit inside each other and take up minimum space. I fit my two stoves, fuel canisters, two bowls, pot, mug, cutlery, can opener, and even a Steripen water purifier into a bag less than 9” wide by 11” tall.
Cities usually have places to fish. Take advantage of this free food source by carrying a compact fishing rod. The smallest rods fold down almost to the size of a pen. For tackle, all you really need are a couple of floats, some hooks, sinkers, and a lure or two, all of which will fit in the palm of your hand. Add a package of scented Power bait, or some similar product, to always have bait on hand. Look for live bait beneath fallen and rotting logs, or use pieces of food like bread or corn.
I’ve heard you can cook and eat practically anything that walks on land or flies. But be very careful with plants and eat only those you can positively identify as safe. (The color illustrations of plants in the pocket version of The SAS Survival Guide can help with this.)
This should be the least of your worries. Drinking water is readily found throughout cities. You should carry at least one 1L water bottle andget in the habit of topping it up every time you come to a tap or drinking fountain. Once you get used to water, you need never pay money for drinks again.
In the woods, large rivers are the preferred water source and you’ll want to camp near one if possible. A fast moving stream will be cleaner than a pool of standing water. Of course any water drawn from such a source must first be purified, just like in the wilderness. That means boiled, filtered, or treated with tablets or UV light.
Water purification tablets (easily found at camping stores) are the easiest way to treat water without additional apparatus. River water should never be your first choice for drinking, but is good to have nearby when you run out of water collected from the city. Remember that almost all purification methods will remove the biological pathogens but not the chemical pollutants.
If rain is forecast, leave your collapsible pail outside to collect it. This water will not have to be purified.
Internet access is essential even when homeless. It is how you will look for jobs, send resumes, learn survival tips, and keep in contact with the wider world. You may even use it to earn money directly, using something like Amazon Mechanical Turk, or to offer your goods and services on EBay or Craigslist (the “gigs” section of Craigslist contains short-term odd jobs that pay cash). Under normal circumstances, this would hardly be enough to live on. But without rent or utilities to pay, the economics of a nomadic lifestyle are somewhat different.
Fortunately there are more and more places to use the Internet for free, especially if you can provide your own laptop, iPad or netbook. Find out all the freewi-fi zones in your vicinity. There will be some in places you never knew or expected. Large district libraries and reference libraries can be ideal. There you can find computers, cubicles, outlets to plug into, and some portable chairs to sit in all day. (Note: When using public wi-fi, always use a Virtual Private Network or VPN, like the free service Hotspot Shield, when entering passwords.)
The online environment looks the same whether you are homeless or not, and so can be a source of comfort and consistency as your living conditions change. When immersed in online activities, it almost doesn’t matter where you are. Even a homeless person can spend the day playing online games, watching shows, listening to music, writing a blog, and reading the news, much like a normal person would. If you have the need and the money, consider a rugged computer like the Panasonic Toughbook. Able to withstand drops and freezing temperatures, with a waterproof keyboard that glows in the dark, this laptop line is practically built for homelessness.
You should have a radio, like any survivalist. The lightest might be something like an armband radio for joggers, with readout showing the time and an alarm. Use it to check weather reports daily, and choose your attire and shelter areas accordingly.
Cellphones make having your own phone number as an urban nomad very easy. Remember to charge it and your other wireless devices whenever you come across an available outlet.
If you need to receive mail, one choice is renting a PO Box. There are also services that can provide you with a real street address if you want people to think you have one. You will get an address like “99 Paladin Street #1” where the number actually refers to your box. This is useful when you have to give your home address to obtain services.
This is the essence of “distributed living” – your shelter in one area, your shower in another, your mailbox in yet another. All are components of your “home”, you just need to travel a bit to get to each one.
Your own two feet may serve as your primary mode of transport. For this reason, don’t skimp on your footwear and make sure it fits perfectly.
If you can still afford gas, auto repairs, parking and insurance, then by all means keep your vehicle as both transportation and shelter. If not, consider a bicycle as a substitute. Having a bike makes everything seem much closer than if you were walking, and will expand your range considerably.
I already cycle everywhere and now prefer it to the often poor and overcrowded public transit system. Add a Bob Yak trailer, or almost any child bicycle trailer, and you can bring all your survival supplies with you. Some child trailers turn into strollers when detached from the bike. You can then push your belongings along the sidewalk in something a little more stylish than a shopping cart.
Not everyone will have concerns about winter, depending on where they live. For me, the problem of surviving a Canadian winter without a heated shelter must be treated with deadly seriousness. Many homeless people die on the streets of cold countries every year. Throughout Europe, we have just seen how extreme cold can strike even in unlikely places and kill hundreds without warning. Without going into all the details of winter survival, here are some tips:
You must test out your cold weather gear before trusting your life to it. For example, camp out in the backyard during a deep freeze. Winterized sleeping bags have temperature ratings but their effectiveness varies depending on the user’s own body heat, metabolism, and clothing. Sit in the park for several hours in your full winter outfit to see if it’s enough. The amount of insulation needed for sitting still in the cold is greater than what people typically wear for dashing from one heated structure to another. Dress in layers and always cover your head, even when sleeping. Wool is arguably the best material as it insulates so well, even when wet.
A sleeping pad is just as essential as a sleeping bag. This item is easy to overlook, but without it you will get cold no matter how great your sleeping bag is. The ground has a way of conducting the heat right out of a warm body. (For the same reason, never sit directly on the ground without a thermal cushion like hunters use or some such insulating barrier.) The warmest sleeping pads are also the bulkiest and cannot be carried inconspicuously. I chose to focus on the smaller self-inflating pads and get the one with the highest ‘R-value (insulation rating) I could find. Without a sleeping pad, you will have to sleep on cardboard or newspapers just like the homeless do, or use pine boughs when in the wilderness.
From what I’ve seen, gadgets like electric sleeping bags and propane space heaters are not practical or effective. And building a fire is usually out of the question. So you will be relying on your own body heat for warmth. Don’t lose it by leaving your shelter at night. If you have to relieve yourself, use a bottle instead. Study the survival tactics of winter campers and arctic explorers.
Anything that does not take well to freezing – laptops, cell phones, water bottles – should share the sleeping bag with you, down near your feet. Some winter sleeping bags have extra room at the bottom for this purpose. If you fill your water bottle with hot water before retiring, it will help warm you. Use extra layers of shelter if you have them. For example, using a bivy sack inside a tent may seem redundant but it will increase your bag’s effectiveness against the cold. So will using a tent inside a larger structure.
The U.S. Army Survival Handbook adequately covers the wilderness side of homeless survival. It takes into account the soldier’s need for stealth and concealment when stuck in enemy territory. Where other survival books tell how to remain visible and attract the attention of search parties, this one shows how to conceal your presence, move stealthily over terrain, and to build fires and shelters so that they cannot be spotted by the enemy. (For our purposes, “enemy” can refer to anyone – police, park rangers, security guards, neighborhood watch, etc. – who tend to make life extra difficult for the homeless.) This no-nonsense guide also has surprising and innovative ways to treat your own injuries and illnesses in the field using common materials.
Thanks to odd jobs, credit cards and help from relatives, I remain housed for now. But the threat of homelessness still looms large. My debts are such that I do not know exactly where I will be living three months from now. But even if homelessness never strikes, I won’t regret the time and money spent preparing for it. The increased confidence and peace of mind have been worth it. I know that, whether housed or not, life will go on. Even the idea of spending winter without a permanent shelter is no longer unthinkable, and that is an amazing thing. Preparing for homelessness has incidentally prepared me for other scenarios, like the furnace breaking down or a sudden evacuation. And I can go camping or backpacking at a moment’s notice.
Homelessness has to be one of the gloomiest things to think about, let alone prepare for. But realize that not thinking or preparing will make the reality of it worse. If you do find yourself out on the street, having a plan of where to go, what to do, and what to take with you can make all the difference. If it helps, don’t think of yourself as homeless but as a nomad practicing an alternative lifestyle. Without such an attitude or plan, you will start to resemble the typical bums who wander without direction or purpose. Who have nowhere to go, nothing to do, and nothing to hope for. Homelessness does not have to look like that. Develop the skills of the urban nomad and practice distributed living. Keep your basic needs met and your mind clear, and you can always live a dignified existence whatever your situation may be.
First full year in new venture - Sun 11 Oct 2015, 8:55 am
Wish you all the Best..... ;) but remember one of the #1 things everyone does in Net-Work Marketing is.... State How much money there making! 70% of the people that get in based on THAT, never make it!! so Rule #1.... if I were you I wouldn't talk about the money as much as I would be talking about what YOU are going to do for your team!!( When people see you are giving when you really don't have to give, verses giving when you have plenty to give, it make a difference!!) because in ALL reality, it takes alot of hard work to ever make it! there are way more that NEVER make it then do! the part I don't like is all the ones that think they are going to make that BIG money and after their dream falls apart they really don't want to be around me because I painted this picture of BIG money for NOTHING!!!! I would just as soon be poor and helping as many people as I can with the little I have from the HEART not expecting ANYTHING in return! the Lady that gave EVERYTHING she HAD was a whole lot MORE blessed then the ones that give from the the plenty laying around...Money has ruined more Lives then you can Imagine..... ;)
The rule of law refuse to grant new powers to the President of the Republic - Mon 05 Oct 2015, 6:15 pm
Abadi is cooperating with Russia, Iran and Syria to hold consultations in Baghdad to inform each other of information they have re ISIS and leaving the US out of it, even though the US was offered to join but refused. Since Abadi appears to be "in bed" with Iran, Russia and Syria, he is PUBLIC ENEMY [You must be registered and logged in to see this link.] and must go, this is my personal opinion.
Pictorial Essay: 18 Things I Did That My Grand-kids Can’t Do Without Someone Getting Arrested - Mon 05 Oct 2015, 3:09 pm
Posted on 4th October 2015 by Stucky
Pictorial Essay, Pussified Children
WE ARE RAISING A NATION OF WEENY-FIED CHILDREN!! Yes, we are! And, we will eventually pay the price. EVERY one of the actions below in today’s ‘Murika is frowned upon, downright illegal or, subjects you parents to a visit from the State Gestapo, aka Child Protective Services.
(Of which I was on the receiving end of more than one black eye … to which my dad would say, “You’re such a pussy!“)
“13 Year Old Up On FELONY Charges For Throwing A Snowball That Reportedly Hit A Cop” ——- http://www.thedailysheeple.com/13-year-old-up-on-felony-charges-for-throwing-a-snowball-that-reputedly-hit-a-cop_022014
“Texas police shut down girls’ lemonade stand, demand permit” ——– http://abc13.com/news/police-shut-down-girls-lemonade-stand/776322/
TAG! WIFFLE-BALL! KICK-BALL! STICK-BALL! DODGE-BALL! HORSESHOES! MOST ORGANIZED SPORTS!
DANGER, Will Robinson!!!!! Above activity is I-L-L-E-G-A-L and D-A-N-G-E-R-O-U-S! Switch to tiddlywinks immediately!
PLAYING OUTSIDE ALL DAY AND NIGHT!
The routine; 1) eat breakfast, 2) announce you’re going out to play, 3) mom would scold “You BETTER be home by dinner time!“, which was 6PM, 4) wander FAR&WIDE, often miles from home, 5) crap!, it’s 5:45 … run like hell to get home, 6) eat dinner … in silence, 7) announce you’re going out to play, 8) mom would scold “You BETTER be home by dark!”, 9) wander FAR&WIDE, often miles from home, 10) crap, it’s dark! … screw it, I’m not hungry, let’s keep playing until 10PM, 11) get home at eleven, 12) listen to empty threats of something mysteriously called “being grounded“, 13) repeat the next day!
Yeah, we ate crappy bread devoid of real nutrition. Often with real peanut butter, but with sugary grape jelly. Or, with rubbery crapola bologna, processed ‘Murican cheese, and fatty butter. We took off the tomato and threw it away. Accompanied by a sugary drink like Fruit Punch. And culminated with moar sugar, like a Hostess Cream Filled Cupcake. Yummy!! And ya know what??? Not ONE of was was FAT!! Not. One. Ya know why? Cuz we played outside all day. (See above.)
NO HELMETS #1!!
I learned to ride a bike on Fairmont Ave. in Newark, NJ … going DOWN a hill, when my evil mom — like the evil dad above — LET GO! And, yeah, I fell, and got a bloody lip out of it. Mom took out her hanky, spit in it (really), wiped off the blood, and triumphantly said, “You almost did it! Let’s try AGAIN!”. Is there a statute of limitations regarding such egregious child abuse?
NO HELMETS #2!!
Not only did our parents not care if we killed ourselves …. they encouraged us to kill our friends and siblings. “Mom, I’m going to take a bike ride to the park.” And she’d say, “Take your sister with you!”. Which I did. On the handle bars. Without helmets. She survived just fine …. most of the time. You see, back in my day, there was ONE SURE WAY to get made fun of … mercilessly, and eventually getting your ass kicked. Wearing a helmet!
BOWS & ARROWS!
Little did I know that I was an uncouth cretin playing a politically incorrect game of Cowboys & Indians. My parents actually got me a REAL bow & arrow set when I was 14 years old. It was a short bow, had round blunted tips made of rubber, and probably a draw strength of five pounds. But, lemme tell ya … it COULD put an eye out!! We ALWAYS included my sister in these games. She was ten years younger … so we always made her the hostage. Even tied her up, as above …. except usually to a tree. Then I’d shoot her with my bow & arrow. I never put her eye out. She thought it was fun. So did I. OTOH, maybe that’s why today she’s a gun-hating libtard Democrat.
We played Cops & Robbers! People DIED! We used ketchup as blood to make it look real. We took cap pistols to school … so we could play Cops & Robbers during recess. I believe that in rural areas kids could even take bb-guns to school. No one gave a rats ass. Ever.
A five year old girl brought the above piece of paper — something her grandfather made — to class. A school official yelled at her for bringing a gun to class and threatened to have her arrested. Other school children called her a “murderer“. ——- http://www.huffingtonpost.com/2013/01/23/melody-valentin-fifth-grader-paper-gun-searched_n_2535689.html
Do you know that it is now an “act of violence” for a child to point a finger as a pretend gun and saying “pow pow“? We’ve come a long, long way from George Carlin’s “seven words you can’t say on television“. There are now dozens of words, if not hundreds, that are strictly Verboten in this pussified Orwellian country.
Practically the only way to get expelled was if you actually put someone’s eye out. They didn’t expel kids willy-nilly for every imaginable offense.
KNIVES AND POINTY OBJECTS!
Pretty much every boy had some kind of pocket knife … which we were allowed to bring to school. We even sharpened pencils with them .. in class. No problem-o! The rich kids had genuine Swiss Army Pocket Knives … the ones with 38 different tools attached. I wanted the Radio Knife (above), but dad said the electric bill would be too high. In today’s lunatic zero tolerance policy you can’t bring anything sharp to school without being considered a possible terrorist.
“Teen Faces FELONY Charges for Possession of a Loaded Tackle Box” — http://www.thedailysheeple.com/zero-tolerance-lunacy-teen-faces-felony-charges-for-possession-of-a-loaded-tackle-box_102013
WALKING TO SCHOOL … ALONE!
When we lived in Newark I walked a good ten city blocks to school … much of it through the people-of-color section. When we moved to the burbs it was almost one mile to school, uphill, both ways. For 12 freaking years I walked to school and back home again, most of the time alone, in treacherous and abhorrent conditions (such as, snow), and I survived, somehow. Imagine that.
“CPS Investigating Parents for Letting Kids Walk Home Alone” —– http://www.thedailysheeple.com/cps-investigating-parents-for-letting-kids-walk-home-alone_012015
Of course, this was before we gave a damn about 3rd world kids making sneakers for twenty cents a day. Jobs I had BEFORE I was a teenager; — paper route, shoveling snow, mowing grass, painting (with my dad who was a painter), working in an auto mechanic garage cleaning engines, and as a salesman (when I was 13 I had a summer job soliciting door-to-door for newspaper subscriptions … I got a DOLLAR per subscription …. sometimes I made as much as $30 PER DAY … I was quite a hustler, and that was a hefty sum for a 13 year old in 1966). These were Days Of Glory.
Did you know there was a time when you could take your One Dollar and get 100 pieces of candy??!! With my wealth (see above) I would eat so much candy in one sitting that I would literally make myself sick … puke-your-guts-out sick. No one cared. Mom would simply say, “You better not throw up on the carpet. Serves you right. I hope you learned your lesson!” I never did. These were Days Of Glory.
BATHS WERE FOR PUSSIES!
Even today, at age 81, my mom’s house is so clean you could perform open-heart surgery in any room. After playing outside all day, the chances of me walking in the house were exactly zero. I’d strip to my underwear, and mom would hose me down. She had a big heart though. In the winter time she’d use a warm bucket of water.
We ALL did it. Sooner, or later. No one freaked the hell out when Little Johnny kissed Mary. In fact, adults though it was cute. “Do it again, Johnny! Ethel, quick! Get the camera!”
“6-year-old suspended for kissing girl, accused of sexual harassment.” — http://www.cnn.com/2013/12/11/living/6-year-old-suspended-kissing-girl/
SPEAKING OF MOM ……….
… when I got home from school, or playing, or whatever …. mom was ALWAYS there for me. That was so comforting. That moms are forced to work today … well, call me an old fashioned prude, but that’s just CRIMINAL!
BONUS IRONY: GO CARTS!!
Today’s motorized versions can reach speeds of 40mph, or more. Every year there are thousands of injuries … including death. While the laws of all states exclude go-carts from public streets and highways, there is virtually zero control across America over their use on private property. The Nanny State will expel a five year old boy for kissing a girl, but let the same five year old drive a go-cart at 40mph through the woods. Hilarious.
CONCLUSION: We are doomed as a nation. DOOMED, I tell ya!!