MORE Information will be added about INTELIUS soon. INTELIUS has BILLIONS of records on every person on the planet.  If you pay them $20.00 you can find out everything about everybody, birth records, marriage records, divorce records, criminal records,  and THEN they will charge your credit card EVERY MONTH $20.00.  They have google maps of everybody.  They have EVERYBODY’s NEIGHBORS, neighbors phone numbers.  Everything.

News Voice recently opened an account to post status updates on Seen.is a competitor to Facebook. It was a mistake. No background check was made as to who really was behind Seen.is. It turned out that entrepreneurs ethics are questionable…more



A Great Explanation of one of the many facets of Debt

Things Are Unraveling At An Accelerating Rate:  Those who brought their consumption forward can no longer add to present consumption

Does anyone else have the feeling that things are not just unraveling, but that the unraveling is gathering speed?Though quantifying this perception is more interpretative than statistical, I think we can look at the ongoing debt crisis in Greece as an example of this acceleration of events.

The Greek debt crisis began in 2011 and reached a peak in 2012. The crisis was quelled by new Eurozone/IMF loans to Greece, and European Central Bank chief Mario Draghi’s famous “whatever it takes speech” in late July, 2012.

The Greek debt crisis quickly went from “boil” to “simmer,” where it stayed for almost two-and-a-half years. But no one with any knowledge of the gravity and precariousness of the situation expects the latest “extend and pretend” deal to patch everything together for another two years.  Current deals are more likely to last a matter of months, not years.

We can discern the same diminishing returns in Federal Reserve/central bank interventions, as the initial rounds of quantitative easing pushed stock and bond markets higher for years at a time, while the following interventions generated lower returns.

What factors are reducing the positive effects of intervention and causing increased volatility? Let’s start with the engine behind every central bank/state intervention and every “save” of the status quo: debt.

Debt Brings Forward Consumption & Income

Debt has one primary dynamic: borrowing money to consume something in the present brings forward consumption and income.  Economists describe trading future income for consumption today as bringing consumption forward. And since debt must be repaid with interest, bringing consumption forward also brings income forward….More

Dunkin Donuts to remove Titanium Dioxide from donuts….Wait, what?!?!

Dunkin’ Donuts is dropping titanium dioxide from its powdered sugar donuts after pressure from a public interest group who argued it is not safe for human consumption.toxic donut

Titanium dioxide is used to make the powdered sugar appear brighter. It is also used in sunscreen and paints. The group As You Sow argues titanium dioxide that can cause DNA and chromosomal damage when consumed. The decision by Dunkin’ Donuts (DNKN) was recently disclosed by the advocacy group.” This is a groundbreaking decision,” said Danielle Fugere, president and chief counsel of the group. “Dunkin’ has demonstrated strong industry leadership by removing this potentially harmful ingredient from its donuts.”…More

Interactive Currency-Comparison Tool: The Big Mac Index

Global – Exchange Rates, To Go

THE Big Mac index was invented by The Economist in 1986 as a lighthearted guide to whether currencies are at their “correct” level. It is based on the theory of purchasing-power parity (PPP), the notion that in the long run exchange rates should move towards the rate that would equalise the prices of an identical basket of goods and services (in this case, a burger) in any two countries. For example, the average price of a Big Mac in America in Julypulp_fiction_posters_by_padubs-d5yoetm 2014 was $4.80; in China it was only $2.73 at market exchange rates. So the “raw” Big Mac index says that the yuan was undervalued by 43% at that time.

Burgernomics was never intended as a precise gauge of currency misalignment, merely a tool to make exchange-rate theory more digestible. Yet the Big Mac index has become a global standard, included in several economic textbooks and the subject of at least 20 academic studies. For those who take their fast food more seriously, we have also calculated a gourmet version of the index.

This adjusted index addresses the criticism that you would expect average burger prices to be cheaper in poor countries than in rich ones because labour costs are lower. PPP signals where exchange rates should be heading in the long run, as a country like China gets richer, but it says little about today’s equilibrium rate. The relationship between prices and GDP per person may be a better guide to the current fair value of a currency. The adjusted index uses the “line of best fit” between Big Mac prices and GDP per person for 48 countries (plus the euro area). The difference between the price predicted by the red line for each country, given its income per person, and its actual price gives a supersized measure of currency under- and over-valuation…MORE

Short Selling Defined

The sale of a security that is not owned by the seller, or that the seller has borrowed. Short selling is motivated by the belief that a security’s price will decline, enabling it to be bought back at a lower price to make a profit. Short selling may be prompted by speculation, or by the desire to hedge the downside risk of a long position in the same security or a related one. Since the risk of loss on a short sale is theoreticallyTrading-Places infinite, short selling should only be used by experienced traders who are familiar with its risks. Consider the following short-selling example. A trader believes that stock SS which is trading at $50 will decline in price, and therefore borrows 100 shares and sells them. The trader is now “short” 100 shares of SS since he has sold something that he did not own in the first place. The short sale was only made possible by borrowing the shares, which the owner may demand back at some point. A week later, SS reports dismal financial results for the quarter, and the stock falls to $45. The trader decides to close the short position, and buys 100 shares of SS at $45 on the open market to replace the borrowed shares. The trader’s profit on the short sale – excluding commissions and interest on the margin account – is therefore $500...READ

Plus Video Presentation

Role of the Market Maker

A broker-dealer firm that accepts the risk of holding a certain number of shares of a particular security in order to facilitate trading in that security. Each market maker competes for customer order flow by displaying buy and sell quotations for a guaranteed number of shares. Once an order is received, the market maker immediately sells from its own inventory or seeks an offsetting order. This process takes place in mere seconds.  The Nasdaq is the prime example of an operation of market makers. There are more than 500 member firms that act as Nasdaq market makers, keeping the financial markets running efficiently because they are willing to quote both bid and offer prices for an asset.  GOTO VIDEO

Purchasing Managers Index – PMI – Defined

An indicator of the economic health of the manufacturing sector. The PMI index is based on five major indicators: new orders, inventory levels, production, supplier deliveries and the employment environment. A PMI of more than 50 represents expansion of the manufacturing sector, compared to the previous month. APMI figure252 reading under 50 represents a contraction, while a reading at 50 indicates no change. Prior to September 1, 2001, the acronym (PMI) stood for Purchasing Managers’ Index. The Institute of Supply Management (ISM) now uses only the acronym, PMI. Although the ISM publishes several indexes, the PMI is the most widely followed and is sometimes referred to as the ISM index.    Read

REVEALED: Central Banks Explain How They Control Money

Recently, the Bank of England (BoE) released a report entitled “Money Creation in the Modern Economy” which outlines that most people do not understand how banking works and the populist ideology regarding financial business is correct.

Through fractional reserve banking (FRB), technocrats are able to get away with dangerous lending practices; however the central banks continuously feed printed fiat into the system at the request of smaller banks.


– See more at: http://www.occupycorporatism.com/home/revealed-central-banks-explain-control-money/#sthash.EVaFQXkl.dpuf

Recently, the Bank of England (BoE) released a report entitled “Money Creation in the Modern Economy” which outlines that most people do not understand how banking works and the populist ideology regarding financial business is correct. Through fractional reserve banking (FRB), technocrats are able to Bankers2get away with dangerous lending practices; however the central banks continuously feed printed fiat into the system at the request of smaller banks. Central banks were intended to regulate fiat supplies within nations and control inflation, as the story goes. Printing fiat and not printing too much is the oversight role of the central bank. They are supposed to fund private economic trends and not governments through purchasing treasury bonds. In 2012, quantitative easing round 3 turned into QE Infinity because the Federal Reserve Bank under former chair Ben Bernanke purchased mortgage-backed securities (MBS) at $85 billion per month which is now being tapered back. The report reads: “Rather than banks receiving deposits when households save and then lending them out, bank lending creates deposits. In normal times, the central bank does not fix the amount of money in circulation, nor is central bank money ‘multiplied up’ into more loans and deposits.”

Read More

Definition of ‘Baltic Dry Index – BDI’

A shipping and trade index created by the London-based Baltic Exchange that measures changes in the cost to transport raw materials such as metals, grains and fossil fuels by sea. The Baltic Exchange directly contacts shipping brokers to assess price levels for a given route, product to transport and time to delivery (speed).   The Baltic Dry Index is a composite of three sub-indexes that measure different sizes of dry bulk carriers (merchant ships) – Capesize, Supramax and Panamax. Multiple geographic routes are evaluated for each index to give depth to the index’s composite measurement.  It is also known as the “Dry Bulk12-11-09-Daily-Baltic-Dry-Index Index”.  Changes in the Baltic Dry Index can give investors insight into global supply and demand trends. This change is often considered a leading indicator of future economic growth (if the index is rising) or contraction (index is falling) because the goods shipped are raw, pre-production material, which is typically an area with very low levels of speculation.  Because the supply of large carriers tends to remain very tight, with long lead times and high production costs, the index can experience high levels of volatility if global demand increases or drops off suddenly. The Baltic Exchange also operates as a maker of markets in freight derivatives, a type of forward contract known as FFAs (forward freight agreements) that are traded over-the-counter…more

Debt Management

Are You Trading In Your Constitutional Rights for a Loan?

How would you feel about a physician who requires that you first agree not to sue if he were to botch your treatment? What about promising to never report the food poisoning you may end up contracting before the waiter agrees to take your order?  Ridiculous demands? Sure. So why is it OK to surrender these same rights to your lenders and the loan servicing companies that administer the contracts?  Take a close look at the terms and conditions of your credit card, auto and student-loan agreements, and focus on the section entitled Arbitration. There you’ll read how disputes between you and the firms that lend you money (and service the ensuing contracts) are resolved—not in a court of law, but privately, quietly and without your ability to involve anyone else who may have been harmed in the same way by the same companies...more

25 Foods that Banish Bloat

1. Bananas
They may feel heavy, but bananas do not make you gain weight. Quite the opposite: They’re loaded with filling fiber and potassium, which helps relieve water retention.
2. Cantaloupe
This orange melon is full of anti-bloating potassium, low in calories, and has a high water content, so you can get away with eating a lot of it.
3. Leafy greens
Some veggies, such as Brussels sprouts, are filled with important nutrients, but nonetheless make you bloat. Leafy greens, like kale, spinach, and lettuce, do no such thing. They’re all super-low-cal, loaded with fiber, and help ease water retention.
4. Olive oil
Though it’s not scientifically confirmed, there’s some evidence that small amounts of olive oil may help reduce belly fat. That’s because it contains a chemical called oleic acid, which helps break down fat in the body.
5. Grainy bread
You already know to stay away from processed white bread–all its sugars cause your blood sugar levels to spike and then plummet, leaving you hungry again fast. But whole-grain bread is packed with fiber, which stabilizes blood sugar levels to keep you full.
6. Artichokes
A medium-size one has 7 grams of fiber–almost 30 percent of your recommended daily allowance–to help your digestive system chug along properly.

Children’s diabetes shows big increase

For years, doctors have warned of an epidemic of diabetes among children. Yet there has been surprisingly little firm data on the extent of the disease among younger Americans.

Now, a nationally representative study has confirmed that, from 2001 to 2009, the incidence of Type 1 and Type 2 diabetes drastically increased among



children and adolescents.

The prevalence of Type 1 diabetes increased 21 percent among children up to age 19, the study found. The prevalence of Type 2 diabetes among those ages 10 to 19 rose 30 percent during the period.

Those are big numbers, said Dr. Robin S. Goland, a co-director of the Naomi Berrie Diabetes Center at Columbia University Medical Center in New York, who has been in practice for about 25 years. “In my career, Type 1 diabetes was a rare disease in children, and Type 2 disease didn’t exist.”…more

10 Things Unhappy People Have in Common

We all want to be happy in some way or another. We strive each day to find the path of happiness whatever we think it is. But some of us come up way short. Some of us make mistakes day in and day out that take us away from the shining beacon of happiness at the end of the tunnel.https://i0.wp.com/www.gomonews.com/wp-content/uploads/2009/08/unhappy-face.gif
Are you striving to find peace? Are you striving to locate that inner glow that you know must exist? Are you coming up short or finding happiness that’s always fleeting? Life is a journey and on it we find what works and what doesn’t work. However, the most unhappy people tend to have a few things in common. If you’re looking to find peace, balance, and joy in your life, here’s what NOT to do…more

Should I Wait for Interest Rates to Go Down if Sales Prices are Going Up?

“My wife and I have watched sales prices in Phoenix drop to the point where it now makes sense for us to buy our first home. Interest rates are pretty low, too. So, we got to talking this and wondered which is more important. Interest rates or sales prices? Is it better for sales prices to go down even if interest rates go up? Or, should we wait for interest rates to go down if sales prices are going up?”.....more

If There’s No Inflation, Why Are Prices Up So Much?

Jackson quarter2a

Jackson Quarter

Last week, I ran out of ink for my printer and ordered some more online. My computer automatically pulled up the previous order, and I was shocked to see that the price of the ink cartridges I was buying had gone up 25%. To my mind, ink always seems overpriced. Manufacturers sell printers cheaply because they know that they can make lots of money on the ink. For the same reason, John D. Rockefeller’s Standard Oil is said to have sold millions of cheap kerosene lamps in order to make big profits selling kerosene. But since ink cartridges were already priced way above cost and official statistics show little general inflation, why had ink gone up 25% in less than a year?...more

Salaries of public college presidents rise, median tops $400K

NEW YORK — Salaries of presidents of U.S. public universities rose almost 5 percent in the last fiscal year, even as tuition rose and student debt soared, with the median pay package topping $400,000, according to a report released on Sunday. Penn State’s Graham Spanier was the top earner last year at the time he was fired over the Jerry Sandusky scandal, according to the study by the Chronicle of Higher Education, though his compensation was inflated by $2.4 million in severance pay and deferred compensation. The median totaljohnbelushi compensation for the public university presidents in fiscal year 2011-2012 was $441,392, the study found. Four of the presidents earned more than $1 million, and the median base pay jumped 2 percent to $373,800. Spanier received total compensation of $2.9 million, the same fiscal year that he was fired for his handling of the Sandusky child sex abuse scandal. Jay Gogue of Auburn University in Alabama, E. Gordon Gee of Ohio State University, and Alan Merten of George Mason University in Virginia, who has since left his position, also received more than $1 million in the 2011-2012 fiscal year. Gee had the highest base pay, at $830,439, which accounted for 44 percent of his total compensation. Spanier – charged with two other former Penn State officials in the Sandusky case – is awaiting trial for perjury and obstruction of justice in what a grand jury called a “conspiracy of silence” to cover up Sandusky’s crimes. All three men have pleaded not guilty….more

Control of Money, Is Power

Banking is the greatest scam ever perpetrated, and it is arguably the most successful criminal cartel in recorded history. The financial industry appears invulnerable to prosecution regardless of their crimes committed. They have been caught laundering money for Mexican drug cartels, targeting people with predatory loans, colluding with other banks to manipulate interest rates, and gambling recklessly, consistently, and endlessly. These very violent crimes against humanity have escaped prosecution, perhaps because they are too difficult to explain, or perhaps because those who can print money tend to have enough money on hand to bribe their way to a favorable outcome. Despite the overt criminality that is oddly “untouchable”, I want to talk about the inherent dangers in the monetary system. The problems we have not only involve the crime listed above, but also built-in manipulation that really sounds ridiculous when researched. The inherent dangers were why the founding fathers warned against banks without having to predict the other future crimes that would be committed….more

Blocked by the banks? How to get a mortgage if you are a small business owner or self-employed

The financial crisis has taken a heavy toll on business owners and the self-employed looking for a mortgage, however, while times may be tougher it is still possible to secure a homeloan.

We lay out the options available to the self-employed and small business owners, and the tricks and traps to watch out for to help you to secure your dream property.

Remember, while this guide can give you useful information, every lender will have its own criteria and will assess each borrower individually. Some will have more flexibility or discretion that others and factors such as your credit score and your deposit will be taken into account.more

Stunning Facts About How the Banking System Really Works … And How It Is Destroying America

To understand the core problem in America today, we have to look back to the very founding of our country.

The Founding Fathers fought for liberty and justice. But they also fought for a sound economy and freedom from the tyranny of big banks:

“[It was] the poverty caused by the bad influence of the English bankers on the Parliament which has caused in the colonies hatred of the English and . . . the Revolutionary War.”
– Benjamin Franklin

“There are two ways to conquer and enslave a nation. One is by the sword. The other is by debt.”
– John Adams

“All the perplexities, confusion and distress in America arise, not from defects in their Constitution or Confederation, not from want of honor or virtue, so much as from the downright ignorance of the nature of coin, credit and circulation.”
– John Adams

“If the American people ever allow the banks to control issuance of their currency, first by inflation and then by deflation, the banks and corporations that grow up around them will deprive the people of all property until their children will wake up homeless on the continent their fathers occupied”.
— Thomas Jefferson

“I believe that banking institutions are more dangerous to our liberties than standing armies…The issuing power should be taken from the banks and restored to the Government, to whom it properly belongs.”
– Thomas Jefferson

“The Founding Fathers of this great land had no difficulty whatsoever understanding the agenda of bankers, and they frequently referred to them and their kind as, quote, ‘friends of paper money. They hated the Bank of England, in particular, and felt that even were we successful in winning our independence from England and King George, we could never truly be a nation of freemen, unless we had an honest money system. ”
-Peter Kershaw, author of the 1994 booklet “Economic Solutions”

Indeed, everyone knows that the American colonists revolted largely because of taxation without representation and related forms of oppression by the British. See this and this. But – according to Benjamin Franklin and others in the thick of the action – a little-known factor was actually the main reason for the revolution….more

Fun with Purchasing-Power Parity: The Big Mac Index

In a recent article on purchasing-power parity, I explained that various (natural and unnatural) barriers to trade cause the theory of purchasing-power parity (i.e. the notion that a unit of currency can be traded and used to buy the same amount of stuff in any country, or that real exchange rates are equal to 1) to not hold in practice.

Often, the absence of purchasing-power parity is hard to see, since it’s likely the case that goods and services in one country aren’t completely equivalent to goods and services in another. (In other words, goods in different countries are not always perfect substitutes for one another.) The Economist has gotten around this problem in a creative way, however, with what they call their Big Mac Index. This index compares the price, in US dollars, of a Big Mac (which is roughly the same product in each country, with a few exceptions) in a number of different countries. If purchasing-power parity held, the dollar prices in all of the countries would be the same. Instead, what the creators of the index find is that prices range from $1.62 in India (though this is technically the price of a “Maharaja Mac”) to $6.81 in Switzerland. The lack of purchasing-power parity makes sense to some degree, since Big Macs are pretty hard to transport and traveling to another country to pick one up isn’t exactly cost effective…more