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Now available with £500 finance deposit contribution
The All-New fun packed Suzuki Swift SZ-T is available in ten stunning colours and great spec features including:
DAB digital radio
USB & Aux connectors
Bluetooth integrated into audio unit
Green tinted windows
LED daytime running lights
To find out more and take advantage of this great offer
- 48 Monthly Payment £179.00
- Finance Desposit Contribution £500.00
- Customer Deposit £1790.00
- Optional Final Payment £5153.00
- Cash Price £14,984.00
- Total Amount of Credit £12694.00
- Option to purchase Fee £10
- Total Amount Payable £16035.00
- Duration of Agreement 49 Months
- Interest Rate 2.8%
Option to purchase fee included in final payment in representative example.
* 2.9% APR representative on Suzuki Personal Contract Purchase. The offer cannot be used in conjunction with any other offer unless otherwise stated. Credit is available to UK residents aged 18 years or over, subject to status, from Suzuki Financial Services Ltd (excludes Channel Islands and Isle of Man). With Personal Contract Purchase you have the option at the end of the agreement to, (1) return the vehicle and not pay the Optional Final Payment. If the vehicle is in good condition (fair wear & tear accepted) and has not exceeded the agreed maximum mileage you will have nothing further to pay. If the vehicle has exceeded the agreed maximum mileage a charge per mile will apply. Up to 4,999 there is a charge of 7p per mile +VAT. Where excess mileage exceeds 5,000 a charge of 14p per mile + VAT will apply to every excess mile above the agreed maximum mileage (2) pay the Optional Final Payment to own the vehicle or (3) part exchange the vehicle subject to settlement of your existing finance agreement, new finance agreements are subject to status. Suzuki Financial Services Ltd reserves the right to withdraw or amend this offer without notice or prior warning. Suzuki Financial Services Ltd, part of Lloyds Banking Group, St William House, Tresillian Terrace, Cardiff, CF10 5BH. We can introduce you to Suzuki Financial Services Limited and a limited number of other lenders to provide funding for their vehicles. We may receive commission or other benefits for introducing you to such lenders. Offer available on registration of a new Suzuki Swift between 1st June 2017 and 30th June 2017, subject to availability. For full terms and conditions, see cars.suzuki.co.uk/offers-finance/new-swift. £500 Finance Deposit Allowance excludes SZ3 & SZ5 4x4. Burton Suzuki is a credit broker and not a lender.


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Dutch doctors speak out about past errors to change culture on patient safetyBMJ 2009; 339 doi: https://doi.org/10.1136/bmj.b5338 (Published 07 December 2009) Cite this as: BMJ 2009;339:b5338
- Tony Sheldon
- 1Utrecht
Twelve leading Dutch doctors have written frankly about serious mistakes they made in the past in an attempt to change a culture of secrecy seen as preventing improvements to patient safety.
The document, Dit nooit meer (Never Again), an initiative of the Dutch Institute for Healthcare Improvement, is being sent to all 46 000 members of the Dutch Medical Association as part of a national campaign on patient safety (www.cbo.nl/algemeen/Publicaties/).
It argues that equating medical professionalism with infallibility is a "dangerous illusion" that hinders doctors learning from the mistakes of others.
Arie Nieuwenhuijzen Kruseman, chairman of the association, wrote, "Every victim averted …
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subset: commoncrawl


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When you have a damaged shower in Oklahoma City, Oklahoma, and the shower grout is cracked or stained, you are one of many homeowners dealing with the same problem.
Groutsmith can help—our shower tile re-grouting experts can have your shower looking new in no time!
What is the Process of Shower Tile Re-Grouting?
With precision tools, our expert technicians will get through the small spaces in between your shower tiles and remove all of the old, stained, tile grout.Specially trained to spot mold and mildew, our employees remove these hazards completely. One the grout is removed, the area is once again re-grouted using new grout. This makes your shower appear as if has been completely redone, despite using the same tiles over once again. You will proud to show off your beautiful bathroom.
It's also an additional option for water-tight sealant to be applied to make your shower surface last longer.
Should You Have Your Shower Re-grouted?
The answer to this equestion is it depends. At times your shower grout only needs a good cleaning, while in other instances it will need to be replaced. Regardless of what is needed, when the work is done your bathroom will look new again.
We offer a free evaluation of your shower grout in Oklahoma City, to see if your tiles need re-grouting or if a thorough cleaning will be sufficient. We will complete the evaluation, giving you our professional advice as to the best solution for your shower needs.
Why Shower Re-grouting Matters
Your home will benefit in a number of ways from re-grouting your shower.
The ways include:
- A beatiful looking shower!
- Less money spent on rehabilitating your bathroom. Replacing tile costs more money!
- Mold and mildew will be removed and no longer cause damage.
- The shower surface will last for years to come.
- Say good-bye to allergens that can make you sick in your own home.
Contact us today to schedule a free quote and get your shower looking beautiful again.


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We are family owned & operated!
Open 7 days a week!
Check out our new photos....
Meet the Treasure Team:
About us:
The wild adventure known as the Hidden Treasure Emporium has humble roots. It began as a hobby for a family to collect and sell a few items on eBay. It was a wonderful hobby, for the week and a half it was technically still a hobby.
The common theme of this story is things moved quickly. Within a matter of weeks the hobby evolved into a business. All of the sudden a few collectables on eBay weren't cutting it. That was the birth of the Hidden Treasure Emporium.
Before anyone had time to think the family began purchasing storage units, estates, and liquidated merchandise (e.g., close-outs, overstock, customer returns) from major retailers. After selling online and out of their garages for a few months, the family realized one thing, people love a good bargain.
Within two months the family transformed their business from selling out of a garage, to a 21,000 square foot liquidation ware-house.
The Hidden Treasure Emporium is a unique Family Owned and Operated business. On any given day you can be sure you will find incredible savings and meet one of the four generations of the family. Now everyone can find a hidden treasure, just around the corner, and feel right at home.
No appointment is needed or business license, walk ins are welcome! All ages, types of people gather at our distribution center to provide a unique customer experience. We hope to provide everyone with a great deal on items they may be looking for or not know they needed. Please see our store hours and come visit us frequently to see what is new.


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The football team is a very success driven team, whilst at the same time maintaining a fun and enjoyable ethos.
We won the 11-a-side and 6-a-side league last season ,resulting in a very successful year for the team.
Everyone is welcome to the trials and encouraged to get involved. The team also has socials throughout the year which are great fun and allow you to get to know more law students.
If you need any more information, please contact Fergus Kiely.
Photo courtesy of Fergus Kiely


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You are here: Home » Blog » Current Legislative Issues » NYSRPA Report # 11
You are here: Home » Blog » Current Legislative Issues » NYSRPA Report # 11
Click Here for the NYSRPA Report.
2017 Derby Pictures
2016 CHAMPIONS! Join the League!
Rocco DeFronzo, Past President, Passes 1933 – 2016
Take a look at this memo from 1993. Click Here Any Questions Contact Steve May at one of our meetings. Summary of Notes and Minutes Meeting of Friday, December 17, 1993 Rough Draft Proposal for Internal Memo and Five Year Plan HANDGUN CONTROL, INC. Following is a summary of Notes and Minutes of a meeting […]
NYSRPA Report #11
HELP PROTECT YOUR RIGHTS JOIN THE NYSRPA www.nysrpa.org click link above
2016 CHAMPIONS! Join the League!
2016 Fishing Derby Gallery
2017 Derby Pictures
2015 Fishing Derby
2014 Fishing Derby Gallery
© 2017 Philmont Rod & Gun Club
PO Box 99, Philmont, NY 12565
Club Contact Person: firstname.lastname@example.com
Website: BOLT ACTION design


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Internet Marketing /SEO
Category Archives: McGill University
New Acappella Sensation!
"Ghettopella" in its first Youtube appearance – at McGill's Cafe Campus! With Elan as lead Bass. The first clip has much better audio but gets cut off during the 3rd number. The second clip has poor audio for the first … Continue reading
Posted in Family, McGill University, Montreal, Music Leave a comment
Elan's shul in Montreal continues to get some great media coverage – this time from the Montreal Gazette! Ghetto Shul is about the kids, Hasidic reggae star says BY CATHERINE SOLYOM, THE GAZETTE – NOVEMBER 28, 2009 A bar in … Continue reading
Posted in Family, Ghetto Shul, McGill University, Montreal Leave a comment


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|Page (1) of 1 - 01/17/09
|email article
|print page
Could the PS3 pass the XBOX 360 in sales?
Is Sony's PS3 forever going to be stuck in third place, or can the console eventually catch the 360? GameDaily speaks to leading analysts to see what Sony's strategy should be.
Page: 1
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Source:Digital Media Online. All Rights Reserved


text: I'm excited for the Wild Hunt so I woke up today at 7am had me a breakfast Burrito and started a second play thru of Witcher 2. This time taking the Iorveth path instead of Roche. I'm done now(complete play thru), its 11:22pm and leaving my Gaming Trance and I realize how much I was starving.. And to save me is my one and only go to gaming food, a good'ol bowl of cereal. Or correction 4 bowls of cereal lol! Anyway I was wondering what you guys eat before, during or after gaming? I here Hot Pockets and Red Bull a lot.


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I have been going to this oasis for the past 18 years. Yes the beach is beautiful and the accommodations are clean, comfortable and appropriate. More than that the spirit of the place and the owners gives me rest and peace. I was married in 2012 and we spent my honeymoon there and I could not imagine going anywhere else. The sunsets, a free trolley or easy walk to great restaurants and attractions and of course Crabby Bills Seafood right across the street, make the location ideal.
Jim and Laura have built something very special at the Colonial Court Inn and if you have the opportunity to experience it you will keep going back. We will.


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Hotels in Roubaix: The hotel enjoys a privileged location in the heart of the Lille suburbs, around 50 m from the town centre, 200 m from shops and only 1 km from the train station and Musée de la Piscine. Roubaix Centre metro is 500 m away, and Lille Lesquin Airport is 20 km from the hotel. This city hotel offers a total of 48 comfortable and well-equipped rooms, 40 of which are non-smoking. Facilities include a 24-hour front desk and check-out service, auditorium, TV lounge, café and a restaurant. Conference facilities and free wireless Internet access throughout the building are also available. There is complimentary parking for those arriving by car. The rooms are comfortable and practical, and all are en suite with a bath. Amenities include a double bed, direct dial telephone, a desk, free wireless Internet access in all rooms, a TV with Canal + and satellite channels, tea and coffee making facilities and a terrace. A breakfast buffet is provided each morning. Lunch is available à la carte, from a set menu or as a buffet, and dinner may be enjoyed as a buffet or à la carte. From Paris/Brussels: follow the A22 Roubaix/Gand/Villeneuve d'Ascq, exit number 8470 for 11 Roubaix/Tourcoing, then the N356, exit number 8470; 10 (1) Centre Mercure. At the first traffic lights turn right, and then turn right at the fifth traffic lights. The entrance will be 100 m away on the left-hand side. From Ghent: Take the A22 Lille / Paris and exit to Roubaix number 8470; 13. Follow N356 Roubaix/Tourcoing. Exit the motorway at number 8470; 10 (1) signposted Centre Mercure. At the first traffic lights turn right to Roubaix-centre and then at the fifth traffic lights turn right again. The entrance will be 100 m away on the left-hand side.
Hotels in Roubaix: There are a total of 42 rooms on the premises. This hotel is the perfect base for exploring the area.
Hotels in Roubaix: This hostel offers the ideal combination of comfort and affordability.
Hotels in Roubaix: The ibis Roubaix is located in the town center opposite the Mc Arthur Glen factory outlet, close to the La Piscine museum and the STAB velodrome. Lille town center, Lille Grand Palais and Lille's train stations are just 20 minutes away by car or metro. The hotel offers 94 air-conditioned rooms with free WIFI, a restaurant, bar, 24-hour snack service and a paying private car park.


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Trapt live download
Here is a listing of melodies Trapt live ideal that we notify along with show for your requirements. Most of us get lots of music Trapt - Headstrong (Live in MN) although all of us simply show this 234119 melodies that we consider include the best songs . Your track Trapt live should be only intended for demonstration if you much like the track you need to find the unique mp3. Support the singer by simply purchasing the unique dvd Trapt live and so the singer can offer the most beneficial track as well as proceed functioning.


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Awesome Facebook App Alert: BriskYourself
The clever people over at Brisk (the iced tea company) have created an awesome Facebook App that allows you to create a whimsical, ridiculous looking cartoon image of yourself. All you have to do is upload a picture (or choose a photo that's already on Facebook), and the app walks you through the rest. When you're finished, you can export the image as a profile pic, a background image for your cellphone, or even as a desktop background. The best part: IT'S TOTALLY FREE! To demonstrate just how awesome it is, we took the Brisk Yourself App on a test drive, using some of our favorite celebrities:
HTTP://APPS.FACEBOOK.COM/BRISKYOURSELFSpeak Your MindTell us what you're thinking... and oh, if you want a pic to show with your comment, go get a gravatar!


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So many nasty and blow job doesnt mean to interrupt what I was born there and good to go. Hell, I would recommend putting this extra money comes from the Salvatore Boarding House for approval. If there are numerous other lovemaking tips, how to have sex anymore because he'd taste like bad or really clearly explaining my experience with socialism that to Perrie.
Pennsylvania York Technical College - xoJane.


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Sab Enne Unne Ho Gaya Official Song Video | Film Issaq 2013
SAB ENNE UNNE HO GAYA, here is the official song video from ISSAQ, 2013. Let me know if you like it. And Ya, im proud of it because its penned by my lyrical partner from TWM , Raj Shekhar. More work from us to follow in near future. So Enjoy and Spread the idiom, Enne Unne ho gaya.
Click here for ENNE UNNE LYRICS by Raj Shekhar.
The other song from ISSAQ i composed, "Bhagan ke rekhan ki"
penned by Anil Pandey
Related Posts
Category: Issaq
About the Author (Author Profile)Hi, I'm a Music Composer from Mumbai, Bollywood. I debuted with "TANU WEDS MANU", hindi feature film, released on 25th Feb, 2011, which won me the Filmfare R.D Burman Talent Award 2012. Im also happy to my second Superhit, JOLLY LLB that released in march 2013. Independent film "Oonga" also premiered in New York Film Festival, 2013.
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Got any great tips or obscure bits of information? Put them here! Every now and then a different one will make it to the front page.
Classes such as Captains and Guardians start only being able to use Medium Armor but eventually graduate into using Heavy Armor. Luckily, the Crafting System in LOTRO allows you to make your own armor for these classes from start to finish. In the beginning of your career, take the Explorer specialization. Once you have leveled up enough to use Heavy Armor, you can switch to Armourer. The two vocations share Prospecting and Tailoring, so you'll be able to keep your points in those skills, while trading Forestry for Metalsmith. Be sure to store up some Boiled Leather before you make the switch!
You can bind inventory items to hotkeys as well as skills. This includes tools like your mining tool and forester's axe! Do this and you can switch tools without even opening the inventory screen, allowing for faster gathering of node resources.


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Client Assets
Course Outline
The course starts with a summary of the regulatory and commercial purpose of the Client Asset rules. The introduction stresses the importance of these rules in the light of both investment firm and bank failures experienced during the financial crisis.
Common Concepts
This section examines concepts that are common to both client money and custody regulations. This includes a discussion of the need for identification, segregation, due diligence of banks and third parties and the requirements for calculations and reconciliations.
CASS Rules
The following sections provide information on the detailed CASS requirements in relation to Client Money (and key exceptions such as Title Transfer); Custody; Collateral; Mandates; the role of the CF10a and CMAR reporting.
Course Test
At the end of the course there is a randomising test comprised of 10 questions with an 80% pass mark.
Further Information
SCORM 1.2 compliant. HTML/CSS/JS.
Course Overview
The course provides learners with a summary of the FCA's Client Asset rules.Request a trial Print pdf
Learning outcomes:
By the end of the course the learner will:
- understand the purpose of the FCA Client Asset rules
- appreciate the commercial importance of safeguarding client assets
- know the key provisions of the Client Money rules (CASS 7)
- know the key provisions of the Custody rules (CASS 6)
- know the requirements in relation to regulatory reporting on CASS issues
The course is designed as a primer on client asset rules for operations, finance and compliance staff. It will also be useful for front office staff that need an awareness of this subject.
Course duration:
Approximately 25 minutes.
The course includes two inline quizzes, plus a randomised test at the course conclusion


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Feng Shui, Healthy Living, Inner Feng Shui, Inspiration, making change
Where did I put my mojo?
May 20th, 2011
What do you do when your get up and go got up and went? For me finding motivation and inspiration to avoid procrastination comes in many forms. Here are some of my favorites:
- Listening to a favorite song
- Visiting a funny website
- Taking a walk with my dog
- Creating something, like making a collage, painting, or baking
- Chatting with a positive friend
- Taking my laptop to a coffee shop to work
- Clearing out a file drawer
- Rehang art, move knick knacks around
What do you do when your mojo disappears?
read more
clutter, Feng Shui, growth, Healthy Living
5 Simple Tips To Move Stuck Energy
May 11th, 2011
Feeling stuck, unmotivated or uninspired? Yeah, it happens! What can you do to move energy? Try these simple tips.
- Donate 5 items to a non profit
- Rearrange the art in one room
- Empty out one file drawer
- Add a new plant in one room
- Delete 20 old documents on your hard drive
Feel better now?
read more
Tweaking Your Space With Feng Shui Elements
April 18th, 2011
You've cleared your clutter, added chi enhancers, and created an intention power spot. Great, now it's time to add elements of nature that support your goals. Bring in:
- Fire – to add more warmth, make yourself more visible, invite recognition, expand a social component to your life.
- Earth – to add more stability, grounding and centering into your life.
- Metal – to add more mental clarity and creative expression.
- Water – to add more introspection, calm and personal reflection.
- Wood- to add strength, assertiveness and drive.
You'll find details on each element here: Five Element Booklet. Play with different colors, textures, symbols and materials represented in each element. And don't forget to have fun!
read more
Make Your Own Fountain
April 11th, 2011
It was a beautiful weekend in Michigan, perfect for getting outside and prepping the flower beds, bringing out the deck furniture and installing the front yard fountain. Those who know me will agree I love my fountains with three inside and three outside. Moving water is a great chi enhancer and brings the sound of nature to your home or business.
Here's an easy way to make your own:
Use an artist made ceramic bowl (If you use a pot for plants, you'll need to plug the drainage hole.)
Add a small submersible pump
Cover the pump with rocks and water
That's it!
read more
The Yin and Yang of It!
March 10th, 2011
Depending on what you'd like to accomplish in your space, it's a good idea to determine if yin or yang elements are intentionally incorporated to meet your needs. Here's a quick description:
Yin Attributes:
- Rooms: small, lower levels, back of the home, quiet, private, low ceilings, small amount of open space
- Colors/lighting: dim, dark, muted
- Furnishings/decor: carpet, area rugs, textures, floral patterns, soft/padded furniture, curved/round lines, ornate, low to the floor
- Accessories/collections/art: small scale, many pieces, dense
Yang Attributes:
- Rooms: large, upper levels, front of the home, noisy, busy, high ceilings, grand, large expanses of open spaces
- Colors/lighting: bright, light
- Furnishings/decor: wood/tile/cement/stone floors, smooth/shiny surfaces, geometric patterns, hard/unpadded furniture, straight/angular lines, high off the ground
- Accessories/collections/art: large scale, few pieces, sparse
read more
Chi Enhancer Booklet
March 06th, 2011
Here's a detailed booklet describing sheng chi (the good stuff) to add vitality to any space.
Chi Enhancer Booklet
Use chi enhancers to soften sha chi (aggressive energy) or to temporarily balance si chi (stagnant energy).
What is your favorite way to make your space sing?
read more
The Three Chi's of Feng Shui
February 28th, 2011
In feng shui, the quality of chi can be separated into three distinct categories. The good stuff is sheng chi, the bad stuff sha chi and si chi.
Here's an example of sheng chi: (vibrant)
Sha chi: (aggressive)
Si Chi: (decaying)
In the simplest of terms, the goal is to reduce sha and si chi and add an abundance of sheng chi.
*photos courtesy of http://www.publicdomainpictures.net
read more
Empowered Furniture Placement in Feng Shui
January 29th, 2011
Feng Shui and the Command Position
by Stephanie Roberts
One of the most important feng shui guidelines is to place your bed and desk in what is called the "Command Position." In this position, you face the door from the far side of the room but are not directly in front of the door; usually the part of the room diagonally farthest from the entry offers the best Command Position.
In the Command Position, you are able to benefit from the chi that enters and flows through the space, while being far enough removed from the doorway that you are not exposed to chi that is too strong. A true Command Position also provides a solid wall behind you for support. Using this position puts you in visual command of the space, and allows you to face life directly, both literally and symbolically.
If you can't see the door from where you sleep or work, this implies that life can sneak up on you, that you tend not to face issues directly, and that you are easily startled and constantly dealing with unexpected events. Sleeping or working directly in line with the door also exposes you to excessive chi, which can contribute to stress, irritability, health problems, and feelings of overwhelm. Use of the Command Position removes you from these negative influences and puts you in control of your space and of your life.
The objective of using the Command Position for the bed and desk is a key factor as well in the feng shui guideline that says not to have your home office in the bedroom. While the main reason for this is that the energy of work (desk) and that of rest (bed) are incompatible and should not be housed in the same space, it is also highly unlikely that you will be able to place both the desk and the bed in the Command Position if you try to use both these important pieces of furniture in the same room.
These are fairly straightforward guidelines, but as so often happens, in any particular space there may be other factors involved that need to be taken into account. Although there are often several potential places to put a bed or desk that will meet the Command Position criteria (the larger the space, the more options you will have), usually one or more of these will be less than optimal for some reason. For example, placing your desk with a good view of the door may require sitting with your back to a large window. Not only does this imply lack of support in your career, but if you work at a computer (as most people with desk jobs do) glare from the window can also be a problem.
Other potential problems to be avoided include overhead beams, the low side of a slanted ceiling, sharp angles from interior corners, and an overhead fan in a room with a low ceiling – to name just a few. Any one of these factors may make a potential Command Position less than desirable. You should also keep in mind what is going on in the neighboring rooms as well as outside the building. For example, what may seem like the perfect Command Position location for your bed is not so perfect if your bedroom shares a wall with your kitchen or bathroom, and the toilet, shower, stove or refrigerator is right on the other side of the wall behind the bed. Another example would be a bedroom in the front of a house very close to the road. Here the Command Position might indicate placing the head of the bed against the exterior wall, where nighttime traffic may sound like it's driving right over your pillow and make it difficult to get a good night's sleep. In this case, you may find that placing your bed so it is in the Command Position relative to the road, rather than the doorway, is the better option. In many cases a review of the pros and cons of a space may indicate that the best location for your desk or bed may be one that is not in the Command Position, but that protects you from other influences.
The best possible furniture placement in any room in your home often involves a compromise between several different feng shui guidelines. The more you know about how the different features of your home affect your space, the better able you will be to make the placement choices that are best for you.
© 2005 Stephanie Roberts Serrano
STEPHANIE ROBERTS is the author of the popular Fast Feng Shui book series, available at Amazon.com.
read more
Inner Feng Shui, Uncategorized
Quickly Disperse Looping Thoughts
January 23rd, 2011
Here's a simple exercise that assists in quieting the mind, especially for those nagging looping thoughts. Sound familiar?
- Place your backside against a wall and lower yourself as if sitting on a chair. Be sure your knees are over your ankles. Hold this pose for 10 – 20 seconds. If you can do it longer, I'll be impressed!
- Now sit in a seated, comfortable position and breath on a 5 count, 5 counts for the inhale, pause, 5 counts for the exhale, pause. Do this until you complete at least 10 cycles.
That's it! Feel better?
read more
Cultivating Stillness & The Season of Winter
December 01st, 2010
Here's a link to my December Newsletter: Living In The Eye of the Hurricane
read more


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10 Rules: How Closed Minds Become Closed Borders
by johnbechtel on February 4, 2013
in Closed borders, Declaration of Independence, Economics, Financial Independence, Freedom, Government, Group warfare, Groups, Individual Rights, Jehovah's Witnesses, Labels, Monopoly on use of force, Philosophy, Politics, Power of Belief, Property Rights, Separation of Church & State, Smallest minority, U.S. Constitution
It is my intention to provide my readers with a very valuable and unique service. I am a voracious reader and it is my special talent to distill complex subjects down to their simplest parts and principles (if indeed such principles exist). Much of what is written, past and present, is intentionally obfuscated for political purposes or dishonest gain, whether of the material, intellectual, or emotional varieties. It is designed to misinform or mislead. Even when the ideas are simply muddle-headed rather than intentionally disingenuous, there is rarely an understanding of where those ideas originated, or historical consequences of their application. These observations are particularly applicable to political discussions, but are not uncommon in virtually any serious discourse.
I am driven to know what is. I grew up in an intellectually closed society, as one of Jehovah's Witnesses. I left that religious organization in mid-life only to find a whole smorgasbord of other closed societies, whether religious, philosophical, political, or social. There is a vehemence and even fierceness of advocacy that inhibits civil conversation and betrays intolerance of different life experiences and conclusions. What is most remarkable about all of these is that either side in any of these debates would passionately agree with my observations herewith stated, but only find them applicable to the attitudes and behavior of those with an opposing viewpoint!
As the polemicists outshout each other in the vain belief that raising the volume of their cranky bombast is the key to recruiting you to the cause or the sale, regard for evidence, logic, scientific method, clarity, and other calm pursuits are left behind like abandoned children. Defense of our own position usually trumps all other considerations without any awareness whatsoever of the road by which we arrived at our convictions. My most important takeaway from my own life-altering experience is that I am the bouncer and doorman to my own mind, and I have sole discretion over what is permitted to enter. I am the final arbiter of what I accept, because I become what I ingest intellectually. This is a personal responsibility that I cannot delegate to any other person, institution, or authority. In my opinion, every one of my readers shares this same responsibility for themselves, for the same reasons and with the same rewards. Bitterness and anger about years wasted in misguided belief and defiance of reality are efforts to transfer responsibility for our own past choices onto others, but in every case it was we who negligently invited strangers, in the form of ideas, into our mind unidentified and unchallenged. Even when we absorb faulty premises in our age of innocence, responsibility to identify and correct these later in life cannot be avoided with impunity.
I frequently include book reviews on this blog, on a broad range of subjects. All of these book reviews are at least somewhat positive in nature, because I do not waste my readers time on books that are in my opinion without at least some important redeeming values. I am neither Democrat nor Republican, neither liberal nor conservative, and these days, once you get past the rhetoric, it can be said their distinctions are often without differences. I have no ideology except the value of the individual human being. Each of us is a minority of one. Regardless of the comfort we find in each other, there is no collective brain. Descartes famously said "I think, therefore I am." What we think determines what we become.
I want to share some rules of the road from my personal experience.
When I was growing up, my parents taught me to eat everything on my plate at meal times. It was axiomatic that to waste food was wrong, even though our young minds rarely grasped the contradiction in the fact that we didn't overload the plate with all that food, the grown-ups did. How could we possibly know that for the rest of our lives other BIG PEOPLE would be filling up our intellectual plates with the impassioned ideas, ephemeral notions, and absolute certainties they insisted we must ingest because it is "good for us." As in childhood, we trust the source, the same one we associated with survival itself.
Rule #1 : The purpose of all propaganda is to become your "trusted source." Read more..
Everyone, it seems, has the strongest notions of what is best for us, beginning with our immediate families and extending to all the institutions of our culture. What is accepted and practiced in one generation may be repudiated by future generations. The philosophy that someone else knows what is best for us is nothing more than delegating to strangers what gets put on our plate. It makes no difference whether this authority figure or expert comes in the guise of clergy, government, Chairman of the Federal Reserve, media talking heads or television and movie script writers; all of them provide us with generous helpings of their opinions and rules and they expect us to eat it, even if it gives us heartburn. They do not like to be ignored, and most of them are happy, if given the opportunity, to harness the coercive power of the state to enforce what they know is, if not for our own good, at least for the good of the greatest number. After all, Daddy knows best.
Everything is based on core premises, and unfortunately these are usually absorbed unconsciously from the Influential People of our childhood and adolescence, parents, teachers, news media, friends, and church.
Rule #2: At a tender age we are neither equipped nor qualified to evaluate conceptual content, and we know little or nothing about possible alternatives.
Content becomes indelibly associated with the persons and institutions of authority that deliver it. Because of this early childhood association between content and source, we begin to develop class distinctions based on these associations. We are more inclined to trust and believe those who dress like we do, worship as we do, get educated where we do, and who earn their living as we do. At the most mundane level it is often said that the best place for a young man to pick up a date is at a church wedding, because he benefits by association with the joy of the occasion and the trust placed in that institution by its members. A "no" response in a different context might become a "yes" at the wedding.
Rule #3: As children, content becomes truth when it is delivered by those on whom we depend to survive.
Once imbibed, these childhood-acquired core premises become unchallengeable, eternal truths, the template against which all new information is evaluated. We quickly learn to block dissonance, any new information that makes us uncomfortable. As we build the rest of our lives around these core premises, our emotional investment in them becomes such that a challenge to their veracity becomes a challenge to our identity. There is a crushing need to shut down, shut out, and utterly annihilate such threats, and this need is all the more powerful and insidious because it is experienced subconsciously, as in dis-ease. We experience anxiety without knowing the cause.
When you experience something that disturbs you, it may or may not mean it is bad for you. A bad taste in your mouth may mean a poison mushroom, or it may only mean conflict with the taste of the previous mouthful, in which case you need to cleanse your palate before proceeding. A mouthful of lemon juice may cure you of scurvy, but it could be intensely unpleasant right after eating a sweet. Likewise you may have been led to believe that very wise people are looking out for your welfare, and this goes down pleasantly, like a sugar cookie. You might have had great faith in the honest intentions and competence of Bernie Madoff in handling your life savings, or you may currently be planning an extended retirement on Social Security and Medicare as they currently exist, and it tastes sweet.
Rule #4: What feels safe and tastes good may be the prelude to the financial equivalent of a diabetic coma.
In every case, we always trusted the source. The doorman to our mind was sound asleep. There were red flags about what we believed, but we chose to ignore them.
That's why I write about labels. I sit down to lunch with people of all stripes and within minutes I can hear, and feel, the palpable hatred as my temporary companions launch into diatribes about those who think differently than they do. The emotional intensity and intransigence derives from the speaker's sense of certainty. A mere label such as the name of a political party, or particular belief or non-belief excites the passions and invites the derision of the group at the table. To belong is to share in the laughter. The opposite is equally true and commonplace; the willingness to blithely accept nonsense if it comes from a trusted source. We will defend what we have already emotionally invested in.
Rule #5: It is possible to have a lifetime investment in something that is indefensible by any rational standard.
How long have we known, and has our government refused to acknowledge, that our Social Security is history's largest Ponzi scheme ever?
I used to finish reading any book I had started. Like cleaning my plate at dinner, I felt compelled to finish what I had started. I don't always do this anymore. Life is too short. I always seek to identify as quickly as possible authors' basic premises, and even if I disagree with them, I may continue reading if only because I enjoy the writing style or because an author occasionally drops in a redeeming original thought or new twist on something. I no longer waste my time filling my mind with garbage, but there is a balance between that and closing one's mind. Periodically I have to remind myself to re-evaluate my own core premises to see if they still withstand close scrutiny. The final questions are always, Who says so? Why? Based on what? I am always on the alert for the hidden agenda, the sugar-coated dodge.
If some distinguished authority figure makes claims that appear improbable and unsubstantiated by the facts as you know them, assuming they know more than you is one possibility. Another possibility is that they have reasons to be less than truthful on this occasion.
If their explanations more accurately resemble circumlocutions, going round and round in circles and making no particular sense, you could assume that their explanation is too deep for your comprehension, given their special training, or you could also entertain the possibility that their non-answer is because they really don't have an answer but won't admit it publicly.
How do you spot obfuscations, disinformation, and hidden agendas? For starters, unless you've taken a serious course in statistics, distrust all statistics. Most are not scientifically sound and are intentionally manipulated for uninformed public consumption. I could say there are a thousand ways to do this, but that would not be a scientifically sound statistic. So we'll move on. In commercial matters, follow the money. In political and institutional matters, follow the power. Look past the easy answers. Look past the obvious beneficiaries of a particular group action. The secondary beneficiary is always the real beneficiary. The primary beneficiaries receive very diffused benefits. They are the poster children of the much ballyhooed political action; the orphans, the poor, the children, the unemployed, the elderly, the American middle class, the racial minorities. The secondary beneficiary receives very consolidated power; the power to bestow or withhold. Daddy isn't interested in your growing up. Daddy needs you to need him. Daddy needs to be in control of permissions, punishments and perks.
Rule #6: If someone is selling invisible clothes, let them run around naked.
It is better to be underwhelmed by the titles and decorations and positions of power of the so-called experts. Who even remembers yesteryear's Nobel prize winners and Treasury Secretaries or Fed Chairmen? If anyone makes claims that to your mind seem like the Emperor's invisible clothes, let them wear them. Plan your personal life and make your financial choices around your own perceptions, not theirs. They will usually have agendas you will never know about, and disincentives to provide full disclosure or tell the unvarnished truth. Do they really know better than you how to direct your life? Most American households' finances are looking better than the governments, perhaps for no other reason than we can't print money like the government does. We have been acting to correct our balance sheets, to start saving and stop borrowing. Does that sound like what they have been doing? Do they care about you, or are they far more concerned about polishing their credentials to the largest blocks of voters? This goes for anyone who is offering you advice on any subject. Would you look to the Dalai Lama for guidance on improving your sex life, knowing he is a celibate monk?
In the end it's the same. Money is power. But government is money plus guns. By guns I mean the police power of the state. With guns you can seize other people's money. If you get enough people behind you, even in a democracy you can decide whose money you will take, and how much of it. This is REAL power, and this is why groups will spend a billion dollars to secure a position of power that pays only half a million. The most expensive seats are reserved for those who hold court, who trade in favors and gifts, and who choose the winners and the losers. These people are not producers; they are looters who talk as if they understand production.
All ideas have a history, and if you follow the thread of an idea back far enough, there are always surprises. Every opinion, belief, and conviction—indeed every certainty, was arrived at in a certain historical and social context, and made perfect sense to those persons in their place and time, and was almost invariably the partial result of emotional turmoil in the author's personal life. In other words, intellectuals, philosophers, clergymen, or brick layers, we are all made of the same dirt. Ideas all began with real people and every single one of them had problems, issues, and emotional dilemmas. Some of them were morons.
Rule #7: Many of the world's greatest thinkers would be in therapy today.
Ideological sparks at the intersection of the right time and the right population periodically ignited the imagination of masses. New truths became eternal truths that have often reversed themselves, sometimes over and over again, everyone so preoccupied with the minutiae of their daily routines they fail to notice the intellectual roundabout on which they have traveled for decades or centuries. The grand ideas have all come and gone, or splintered and evolved in almost unrecognizable ways, becoming innumerable dogmas and orthodoxies, and today they make compelling narrative for the history or philosophy buff. Those who take the time to look more closely are sobered by the awareness that in every time period of history there were those who were willing and eager to kill or enslave those who disagreed with them. Our current democratic society provides some cultural and legal protections against this, but a basic meanness still often lurks beneath the surface of many human believers. I hear it in conversations at lunch.
Rule #8: There's a troll under many a believer's bridge.
When belief devoid of thought is extolled as a virtue, doubt becomes suspect, opposing opinions are demonized, dissenters are criminalized, and definitions of the enemy are crystalized. Hatred is born and mob action is galvanized. Ascendant mobs become the state. Other groups see opportunities to advance their respective causes by hitchhiking on the coattails of the rising group, with the idea that they will address their important differences after they achieve a more favorable situation in the power structure. The state attempts to co-opt and harness culturally powerful forces (the most powerful of which is religion) and then moves to consolidate its power by weakening, neutering, and eliminating competing groups. There are no enduring loyalties, just the shifting sands of temporarily overlapping interests.
This is why I champion individual rights in my writing. The individual is the smallest group in the world. Protect individual rights and you protect the world. Democracies are the competition and conflict between groups, but history is replete with the horrors perpetrated by one group (even elected ones) on other groups. Great evil has been done repeatedly in the name of God or in the name of Society. Even in a so-called free society there is nothing more fear-inspiring than observing an impassioned closed mind reflected in the eyes of another human being, so certain of his ideas in fact, that he will gladly sacrifice your life to prove it. On their own, they are dangerous and capable of atrocities; organized into groups with their hands on the levers of power (duly elected or not), no one is safe. Not even the members of their group. Every group has its purges.
There IS a problem with championing individual rights. It puts responsibility on the individual. There is uncertainty, and results are neither equal nor guaranteed. What is guaranteed is that no group can by itself or backed by the power of the state, make you do or be what you do not believe in. And you can't do that to anyone else either. Not everyone is comfortable with that.
Individual rights are inalienable, meaning you were born with them and do not acquire them by permission from others–no one and no group can morally take them from you, even when those others are infused with certainty about their better idea. They may seize your property and take your life by force, but they can never do so morally. Individual rights mean the right to pursue your own life and happiness as your highest values, and you are free to seek and perform work that sustains those values. This includes buying and selling from whomever you choose, to your own benefit. Individual rights means essentially the separation of church and state and the separation of economic activity and state.
Individual rights mean the government is there to protect individual rights of all, and no one is there to serve the government. Individual rights in practice, of necessity mean small government because there just isn't that much the government needs to do. No modern state, including western democracies, will ever pay more than lip service to government based on the sovereignty of the individual because all governments derive their power from the purse, which includes both confiscatory taxation and gross interference with free trade of its citizens. The power of government is in granting permissions. That's where the money is.
Rule #9: The government's favorite childhood game is "Mother, May I?"
You can recognize individual rights in action when your government fears to transgress against its citizens.
Group rights, on the other hand, are acquired by permission from a majority of others in society, and those permissions can be revoked. The herd sometimes gives little or no notice of intent to stampede. The primacy of group rights derives from the belief that your highest value as an individual is not yourself but your contribution to society as a whole. Individuals can expect to be sacrificed to the group when the group calls for it. Every single favor demanded of government by a group always implies a request for the police power of the state to be used against someone else who doesn't want to do the group's bidding. Otherwise, if the group could achieve its ends on a voluntary basis, arrived at through negotiation, documented and signed by the parties, why would they need to involve the state? Groups only need the state to club minority interests into submission. I use the word minority here in the very literal sense of anyone who does not have sufficient votes to protect their interests. Group rights are the inevitable political legacy of those obsessed with the certainty of their beliefs, so much so that in their minds the ends justify their means. Sooner or later the means include the confiscation of human life and property by the state–for the benefit of the greater good, of course. Group rights degrade into group warfare and lead to an indefinitely expanding state, with eventually the state dwarfing all other groups.
Group rights lead to totalitarianism, which is sanctioned and even welcomed by the public in the name of efficiency. When the cacophony of bitterly opposed groups gets too rancorous and the machinery of the state grinds down, someone with the necessary stage presence steps forward and suggests temporary consolidation of power to get through the political impasse. We all know the rest of that story.
You can tell group rights in action when citizens fear their government.
So what is my point? Am I advocating political activism in favor of limited government and individual rights? Not really. You can, of course, if you want to. All I am encouraging is to become aware of what is happening around you, and to be aware of the ideas behind the events. Keep your finger on the pulse of the politics in your community, your state, your nation. Be more careful what you believe in, and scrutinize documentation with a critical eye. In almost every location it is possible to exercise a great deal of personal freedom as long as you don't make too much fanfare about it. Love your life, keep your mind open and your passport current, and
Rule #10: Know where the border is.
Closed minds eventually become closed borders.
Financial Literacy: When a Bank Collapses
by johnbechtel on August 3, 2009
in Altruism, Economics, Greenville Cashflow Club, Mixed Economy, money, Property Rights
There has been so much debate about bank bailouts, and most people have nothing more than uninformed, generalized opinions on the subject, usually based on personal philosophies about the proper role of government in our nation's economy. Bernanke and the Fed have maintained that the bailout was absolutely necessary in order to stop the economy from charging over a cliff. Is this what really happened? Or are the big banks an informal extension of the government already, and the taxpayers are routinely called upon to bail them out due to their poor business judgments? And if the latter is true, then surely such government "protection" creates a moral hazard in that the banks know no matter how foolhardy or careless they may be, when push comes to shove their survival is assured, i.e. Big Business always gets saved by Big Government! Exactly how did the banks, particularly the Big Banks, get in so much trouble? How exactly was this related to the real estate bubble? Get part of the picture in this short video: Financial Literacy: When a Bank Collapses at http://www.youtube.com/watch?v=oG0ry145ymc.
Financial Literacy: Deflation: When an Economy Implodes on Itself
by johnbechtel on August 3, 2009
in Business Opportunity, Capitalism, Economics, Financial Help, Financial Independence, Greenville Cashflow Club
As I have discussed in other posts, every good, service, and commodity has a value, and that value is denominated, or measured in terms of the national currency; in our case the value of anything is measured in dollars. (Go to Billionaires Who Can't Afford a Loaf of Bread: http://www.youtube.com/watch?v=HGfsQimC0mw) Even money has a value that fluctuates, and there are events that trigger changes in the value of money. Money is measured by it's purchasing power, and economists spell this with capital letters Purchasing Power (PP). Money by itself has no value; it is only a symbol and a medium of exchange, so the real question is how much of anything can you exchange a dollar for?? I have covered what happens during a period of inflation, and the costs of everything as measured in dollars goes up, which means the value of the dollar (or its purchasing power) goes down. People think they are better off with rising wages, but factoring in the decreased ability of those wages to purchase, they are actually worse off.
Something needs to be said about the effects of inflation and deflation on debt at this point. During times of inflation, prices (including wages, the price of labor) are going up; the purchasing power of those dollars is going down. If you owe fixed-interest debt during a period of inflation, your wages will inflate with the rest of the economy, but your debt, which is fixed by contract with your creditor, remains the same. That means you will be paying your debt back with cheap dollars, dollars that are worth less than they were when you incurred the debt. During inflation, debt can be your friend, and the enemy of your creditor.
During deflation, however, debt is your enemy. Your debt is once again, fixed by contract to a certain amount of dollars, but your wages, along with the rest of the economy, are deflating, or going down. Your debt can hang you during a time of deflation.
Hear more about this at http://www.youtube.com/watch?v=a4qsy8n5DjI
Financial Literacy: Measuring the Mood of the Mob by the Price of Gold
by johnbechtel on August 3, 2009
in Economics, Individual Rights, money, U.S. Constitution
At various times throughout history money, or currency, has been based on metals, usually silver or gold. This created an objective value to the currency of the period. A dollar, for example, was worth an ounce of gold, or 1/10 of an ounce of gold, or 1/20 of an ounce of gold. Governments and rulers, who always want to spend more money than they take in, either for their own enrichment or in order to bribe voters, usually try to debase their currency. Kings about once a generation used to re-mint their coins (paper currency wasn't invented yet), using the need to have their own image on the coin as the excuse, and they would dilute the gold content by mixing other metals with the gold, or slightly downsize the coin itself, but calling it by the same name as its predecessor. When governments became well established, they usually did a 'bait and switch' routine and substituted printed money for metal coin, and again called it by the same name attached to a unit of its metal predecessor. So a gold dollar was now called a paper dollar, as if their value were the same!
Once governments discovered the delights of the printing press, they would print as much money as they felt they could slip past their gullible and unaware subjects. Acceptance by the herd was essential, and when the debased currency was widely rejected, it was not uncommon for a ruler to create stiff penalties, including the death penalty, for not accepting the paper currency as legal tender. The reason governments prefer to print money is first of all so they are not bound by the usual principles of fiscal discipline (Don't spend more than you make) but also every time they print money, they are actually lowering the unit value of that currency, reducing its purchasing power. They are actually picking the pockets of their citizens, especially the most conservative ones who save. The money these citizens save will not buy as much when it is finally spent as it would have immediately upon their having received it.
When citizens get nervous about the stability of the banking system, their political system, or their own personal safety, they are inclined to buy gold. Gold does not pay interest, and it is still only worth what a buyer is willing to pay for it, but because there is a fixed quantity of it at any given point in time, its value tends to be very stable. This is why nervous people buy gold as a hedge against inflation. Gold is not without risk, however. At times when the madding crowd is enamored of another of its periodic manias, interest in gold will wane as the herd stampedes in a new direction. When demand falls off, the price of gold drops, like anything else. Even in times of rising price of gold, there is always the possibility of the government confiscating it (that has been done by OUR government, as well as many others.) Ultimately the government has the guns, and whatever we have is pretty much by permission. A democracy, as I have written many times, is no guarantee of anything more than mob rule. All people, in any period of history, need protected most from those they elect over themselves. Inevitably their public servants become their masters. Even here, the freest nation on earth, the Constitution guaranteeing both individual rights and the limitation of government's powers, has been under steady attack for well over a hundred years by many activists who resent its restrictions. They want to harness the coercive power of government to an endless list of programs to protect us from ourselves, and of course, with them at the levers of distribution and power.
For a short video on how the price of gold is a measure of the mood of the mob, go to http://www.youtube.com/watch?v=yuDZQFPgXCw
Financial Literacy: Why Governments Secretly Like Inflation
by johnbechtel on August 3, 2009
in Economics, Financial Independence, money, Politics, Wealth
The dirty secret of all governments is that contrary to popular opinion, they do not hate inflation. All governmental corruption begins when they discover the power of the purse, and that they can use the public purse to perpetuate their power, privilege, and benefits. Over time all legislators and power brokers arrogate to themselves the means to stay in office and the luxuries it affords at the general taxpayer's expense. So of course we hear how the purpose of the Federal Reserve and Congress is to maintain a strict control over inflation, that the Fed is independent of the government, and that it is immune to political influence. At best this is a Trojan horse. Inflation is the primary tool used by every government to live beyond its means, and by its "means" we mean its ability to tax. For taxation is the Achilles heel of all governments, for carried to excess it inspires armed revolution and fall from power. Governments raise taxes at their peril. Inflation, however, is a hidden tax, for it is how the government spends and borrows beyond its ability to repay. By printing money and increasing credit, thereby increasing the money supply, the government creates inflation. How does this happen?
When there is X amount of money in circulation in an economy chasing Y amount of goods and services, and you increase X to 2X chasing the same Y amount of goods and services, you have increased demand for those goods and services, but you have not changed the supply of them. When demand outstrips supply, the general price level rises. The rise in prices is a result of manipulating the money supply, NOT by an increase in productivity. In other words, the increase in the money supply is NOT the same thing as an increase in wealth. It is an artificial increase that may give everyone a case of the warm fuzzies, until they realize their pockets have been picked while they were celebrating! This is what happened in the last ten years during the "real estate bubble'. Millions were celebrating their rapid rise in wealth, and we were saturated with boastful claims of "instant equity". What we had was hyperinflation of real estate prices but no increase in underlying wealth. It was a bubble, and it contained only air, no wealth. Taxing authorities were flush with new revenue from the inflated values of real estate, and the money poured in. Politicians were ecstatic, and plans for distributing the tax revenue to friends and benefactors proliferated. Everyone was having a great time at the party. The last ones to leave got stuck with the clean-up. Governments went from riches to rags over night. The Fed cranked up the printing presses as their only resort. People weren't spending, the taxable base was shriveling like a late-harvest grape in the hot sun, and governments everywhere started warning about necessary cut-backs in services. And the homeowners, well they have inflated mortgages and inflated property taxes, and deflated value. They were taxed all right, but by stealth.
If the government had tried, during the peak of the bubble, to raise comparable amounts of revenue through increases in taxation, there would have been riots in the streets. But the inflation they created by expanding credit markets, was in fact a very clever, hidden tax. Incredibly, the governments response to the crisis has been, once again, to expand the money supply. The inflationary impact of all the newly printed money they have injected into the system is muted, for the moment, by the lag in spending and the poor demand for goods. But the expanded money supply is out there, lurking comfortably in the books of the banks afraid to acknowledge and write off all the toxic loans of the boom years. The banks have used the money to shore up their sagging balance sheets, just in case, and the public has decided to save rather than spend. The economy is lurching like a schizophrenic paranoid between euphoria and deep depression. The surface temperature of the economy says we are recovering, but further analysis says the virus is still with us. The government maintains, like a modern gestalt therapist, that if we all believe we are well, we can transform belief into reality. Therefore we all need to put on a happy face and spend, spend, spend our way out of the malaise. The money supply is the lifeblood of our economy. Believing that we are hoarding the money supply like bad children the government has applied leeches to relieve the pressure, and to get the excess blood out and into circulation. So it has borrowed and printed money for bailouts for banks and tax payers, cash for clunkers, and nationalizing whole industries. Like a drunk conductor at the wheel of a runaway train, there is nothing that Big Government cannot do, cannot fix. Why didn't anyone ever think of this before—when there is a downturn due to previous bad policy, the solution is to print your way to prosperity. Remember twenty years ago when it was "The economy, stupid!"; well, now its "The money supply, stupid!"
The good news is the bad news. As the economy staggers uncertainly toward a seeming full recovery, the excess money that has been pumped into the system and has been lurking out of sight in the banks will finally have its much delayed impact when it finds its way into the economy. The Fed operation was a success; unfortunately the patient died. As the government lurches madly between transfusions and leeches, between the silent killer of inflation and the bludgeon blows of direct taxation and deflation, eventually in frustration and exhaustion and confusion we will do what all very ill patients do–put our lives and our destinies in the hands of the doctor. For after all, the doctor knows best, right? And at the end of the day, there won't even be any ambulance chasers to file malpractice lawsuits. It's illegal to sue your government. Why? For starters, they have the guns.
For a brief video on why inflation permits the government to "repay" the national debt at a huge discount, go to http://www.youtube.com/watch?v=ov21dnYHjXE
Financial Literacy: How Fractional Reserve Banking Multiplies the Money Supply
by johnbechtel on August 3, 2009
in Economics, money, Politics
One of the reasons why so few people show an interest in economics is that in today's world the subject is complex and defies simplistic definitions. But that is so true of much of our modern society. It is not uncommon these days for older folks to refuse to learn e-mail and to shake their heads in wonderment at their grandchildren deftly manipulating electronic hand-held games totally beyond the grasp of their elders. What IS of grave concern is the fact that the achievements of our scientists and engineers have aided and abetted the dumbing down of successive generations. We have heard much of the income gaps in our society; we hear much less about the widening chasm between the educational level of the designers and engineers of our world and the end-users of our world. Not to mention the grade inflation of our educational system. Hence we sometimes find students in Advance Placement who still cannot read and write well. I would be remiss in my duty to you, my reader, to imply that you can understand the economic world you live in without effort. There are times when you will still have to reach for the dictionary, and hopefully you have several in your home, and even more hopefully, they are well worn and used! Or more likely, you have an online dictionary marked as a favorite. Even though I exert considerable effort to simplify and clarify an otherwise arcane and difficult subject, I would suspect that my articles have little appeal to those addicted to instant gratification. I simply do not know how to reduce some concepts to a sound byte level. Take for example, the concept of the money supply.
The money supply is a very important concept with those entrusted with the well-being of our macro-economy (the BIG picture). There are, for example, endless arguments among economists about what properly constitutes the money supply. We'll skip most of that stuff and stick to essentials. Let's start with the fact that in the profession and in the media, the money supply is referred to as M. Yep, that's it, M as in Mickey Mouse, Mars bars, or of course, M&Ms. To me, the latter connotes Money and Masochism, which sort of go together. Of course, economists talk of M1, M2, M1a, etc. That is largely to impress us. Or maybe to impress themselves. It has absolutely no effect on the accuracy of their predictions. But it seems to be a requirement imposed upon all financial advisors and analysts to use jargon composed of largely a minimum of four or more syllables per word to convince us that, like all priesthoods, they know what we cannot possible grasp with our feeble minds. But let us bravely press on . . .
You may have noticed that the money whips in and out of your wallet (and your life) pretty quickly. That's called the velocity of money. If you think velocity isn't important, think about how you'd feel if your employer delayed your paycheck a week or two—just because he wanted to slow time down a little. Why does velocity matter to you? Because you have bills to pay and commitments to keep, and time is of the essence. You may have noticed that your creditors share this obsession of yours with time. That's another important concept, that there is a time value to money. You're getting it. You're almost an economist now! Now have you ever wondered how many different people have used the same twenty dollar bill you just spent at the grocery store? What does the grocery store do with it, and who gets it next, and how many times will it change hands over and over again in, say, the next week? month? year? That twenty dollar bill is part of the money supply, and the speed with which it changes hands is called its velocity. Economists try to total up all such money in circulation, and they try to predict the likeliest outcome if it grows or shrinks.
Just as with you, the money supply in the macro-economy changes with dizzying rapidity. There are things that governments can do with the money supply that make it grow or shrink. Governments and politicians think voters will love them more if they can control what an economy does, or at least make it look like they are controlling it. Mostly they try to control what people think they are doing. They get very good at taking the credit for good things that happen, and passing the buck on bad things that happen. They practice looking statesman-like a lot. After a while, people get to thinking that government people are responsible for everything, good and bad, that happens to them. Politicians know this, and they don't want to lose their jobs. Because of their jobs they get invited to the best parties, and sometimes get free trips to strange places. And they get great benefits. Sometimes it frightens politicians that some of their voters might understand some of this economic stuff a little better than they do. It doesn't present well before the cameras. Have you ever noticed how photogenic most of our politicians are? We want our politicians to look statesman-like. Even if they were a C- student in school.
Now let's add another term to our economics vocabulary: fractional reserve banking. This means exactly what it looks like. The banks are required to keep back, in reserve, a percentage of all the deposits they take in. Banks make their money by taking other people's money in, and then loaning it out with interest. They are not allowed to loan everything out that they took in. They have to keep part of it in the back room, out of use. They know (most of the time) that everyone is not going to walk in and ask for all of their money at one time. So if they keep 10% or so back, that is usually enough to cover the withdrawals by their depositors at any given time. Not everyone who takes out a loan actually repays it. Some default on their loans. If someone defaults on a $10,000 loan, fractional reserve banking works in reverse. That $10,000 belonged to depositors, and now that it is gone, it reduces the bank's ability to loan by ten times that amount, or $100,000! Remember all those foreclosures? Those were all bad loans. But the banks don't want to write them off as bad loans on their books. Each of those bad loans reduces the banks ability to loan by a multiple of ten! As a matter of fact, when the bank adds up all the bad loans and multiplies by ten, it may discover it doesn't have enough in reserve now to cover its good loans. That means the bank is insolvent and by all rights should go out of business.
Those bad mortgages have collateral, the properties against which the money was borrowed. But the market price of real estate has dropped precipitously, and the properties are now worth 1/4 or 1/3 less than what was borrowed in many cases. No one really knows what those properties are worth until they are sold on the market. Buyers and Sellers together set the price. But once the property is sold, the bank has no choice but to use the sale price of the property as the number they have to use to determine how much money they lost on the loan. If they loaned $100,000 against a property, and it sells for $60,000 at auction, the bank has to write off the difference, or $40,000. That means the bank has to either shrink their outstanding loans by $400,000 (factor of ten), or they must increase their reserves by $40,000. Since nobody knows how many bad loans are out there, and nobody knows how much money will be lost on each one of them, no one really knows how many banks, or which banks, will be insolvent and go out of business. The government gave the banks (some banks) a lot of money, but the banks are keeping that money in the back room to add to their reserves. That means they can't use that money to increase lending. And if the banks aren't lending, credit is more or less frozen, and if businesses and households cannot borrow, the economy freezes up, unemployment goes up, and voters get very unhappy and nervous.
The banks, and the government, have found some solutions. One is to deny. They do this by simply changing their accounting rules. Instead of calculating what the properties are worth at current sale prices (called marking to market) they write down the loans based on these properties to an artifically selected number that is less painful than the market numbers. In other words its a game called Pretend. If we pretend we didn't lose that much money, we didn't. And if we didn't lose that much money, then our bank doesn't have to raise our reserves quite so much. Secondly, the government decides which banks get to go out of business. Friends and big campaign contributors get special, preferential treatment. Third, the government will buy the toxic assets (bad loans). They will sell Treasury Notes (how the government borrows) and also print money to pay for the toxic assets. The money that is printed increases the money supply. As that new money finds its way into the economy, it grows through the fractional reserve system of banking. Listen to an explanation of how that works here: http://www.youtube.com/watch?v=d-vYzQvfAAs.
We are going to talk a lot more about the money supply, because the Federal Reserve tries to control the economy by manipulating the money supply.
Financial Literacy: The Origins of Banking
by johnbechtel on August 3, 2009
in Business Opportunity, Capitalism, Economics, Financial Help, Financial Independence, Greenville Cashflow Club
Financial Literacy: The Origins of Banking
Financial Literacy: Billionaires who can't afford to buy a loaf of bread.
by johnbechtel on August 3, 2009
in Economics, money
Everything has a "trading value" and it is expressed as a price. This includes the value of human labor, regardless of whether it is of the menial type, such as hammering nails, or intellectual labor, such as a performing rock star or a concert pianist or a novelist or a scientist. The value of any given labor is determined by those who purchase the product of that labor, i.e. a newly constructed house, a repaired dishwasher, going to a movie, or a new prescription drug developed through scientific research. The value of all labor is expressed as a price. The price of labor is its compensation, whether in the form of hourly wages, salary, commissions, royalties, percentages of sales or profits, or whatever.
The value of money, i.e. it's Purchasing Power, goes down as prices go up. Again, if the price of a loaf of bread went from $1 to $2, one dollar now only has the ability to purchase 1/2 loaf of bread. This is called inflation. Inflation debases, or reduces the Purchasing Power of the dollar. When the price of labor inflates, wages go up, but the wage earners standard of living does not go up, because the Purchasing Power of every dollar of his wages went down. Continually increasing wages is always a part of an overall inflationary spiral, where the price of everything goes up, and the value or purchasing power of the currency goes down.
The key to improving the overall standard of living is not by raising wages, but by raising productivity. Then the cost of everything goes down in real terms, and every dollar trades for greater amounts of goods and services. An increase in productivity results in raising the Purchasing Power of your dollar. This is not inflation. This is real growth. Increases in productivity are achieved, not because people work harder, but because technology automates more and more activities. Human labor is still required, but more goods are produced for every hour of input.
A grasp of this concept will help you to appreciate why government's insistence on periodically raising the minimum wage does not improve anyone's lot in life. It temporarily and artificially inflates the price of labor without any matching rise in productivity. It raises wages as measured in dollars, but without raising the Purchasing Power of those dollars, it only succeeds in devaluing or cheapening those dollars. Minimum wage legislation is nothing more than a cheap, symbolic gesture to buy votes, and it contributes to an inflationary spiral. Legislating an increase in the price of labor is no different than legislating a lower price of bread; they are efforts to force trading at fixed prices, rather than letting the prices fluctuate according to the agreements arranged between two or more free trading partners. When governments attempt to force trading and fix prices, they create "black markets" which is where people do what they really want to do anyway. When governments legislate minimum wages, one of the unanticipated results is frequently people buying and selling their time and services "under the table". This is a form of a "black market".
So remember, when dollars go up, productivity must also go up, or your dollars become worth less in their ability to purchase. How rich would you feel with a wheelbarrow load of dollars that didn't have enough purchasing power to buy a single loaf of bread? This type of thing has already happened! Listen to it here http://www.youtube.com/watch?v=HGfsQimC0mw
Financial Literacy: The Money Supply and Inflation
by johnbechtel on August 3, 2009
in Business Opportunity, Capitalism, Economics, Financial Help, Financial Independence, Greenville Cashflow Club


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Miller Consulting Engineers, Inc.
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For Thanksgiving I plan to make my mother's great pumpkin pie receipe. I'll be using 2 tsp. cinnamon, 1 tsp. nutmeg, 1/2 tsp. cloves, 1 tsp. ginger, 1 Tbl. vanilla, along with the requisite brown sugar, salt, eggs, evap. milk and pumpkin.
I have not used these spices in several years. My question is: how long do spices last before they start to deteriorate and no longer can be used effectively as a seasoning with a zing? Thanks.


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Easy Ice Cream
Be the first to review
READY IN: 9hrs 4mins
Recipe by nleewebb
no ice cream maker needed! and only 2 ingredients!!
See Discussion:
Ingredients Nutrition
- 1 (14 ounce) can sweetened condensed milk
- 2 cups heavy whipping cream
Directions See How It's Made
- Place ingredients in large bowl of mixer.
- Beat for 4 minutes, or until thick and creamy.
- Place in container with seal.
- Freeze overnight.
- Enjoy!


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The sixth grade Teays Valley East Middle School teachers recently chose their recipients of the BeEast Award for the third quarter.
The BeEast Award is given to students who represent East's theme for the year: "Be Honest, Be Motivated, Be Respectful, Be Responsible - Be East!"
The students include Faith York, Jenna Lathem, Brooke Guisinger, Luke Fleming, Gavin Smith, Kamryn Bernthold, Gunner Havens and Cooper Clagett.


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Dear Father Rothan,
For the past 3 years, I have participated in the Hershey Half Marathon each October and have attended the Saturday night Vigil Masses at your parish.
Each year, I have been impressed by my experience at Mass: While there has been a different celebrant for each of my visits, I have found the celebrants and your parish community to have a very welcoming feeling. Everyone from your celebrants to the lector and congregation all feel as though they are actively participating and not just going through the motions.
This past week, Father Pious (I believe) celebrated Mass. His homily was one of the most engaging, thought provoking I have heard! He brought the message of the Gospel and scripture readings to a level everyone could understand. I could listen to him for hours!
I shouldn't say this, but I wish I had a parish near my home that felt as right to me as yours does. But at least I know I have a great one to visit.
An Out of Town Guest
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November 4, 2012
Hello, I'm Alejandra. I am very interested in the spiritual development of ones soul journey and the spirit side of the world in many aspects. I wish to gain more insight and knowledge.
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Satisfying Roman architect Vitruvius' three principles of design; firmitas, utilitas, venustas. That is, Durability - constructed by the world greatest ateliers from Bordelles signature satin elastic, silk satin, and 24K gold plated hardware. Utility - adjustable for a custom fit, the Art Deco padded bras sculptural side panels lift the bust and bring together a soft cleavage. And lastly, Beauty - inspired by the geometric lines of Art Deco, the collar detail, sculptural panels and gleaming fabrics must be seen. Pair with Bordelle's Art Deco high waist brief.
Handmade in Europe.


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How much do ExxonMobil employees make in Houston, TX? Glassdoor has salaries, wages, tips, bonuses, and hourly pay submitted anonymously by 79 ExxonMobil employees in Houston, TX.
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Stylish quote
35 comments:
Such wisdom - and something that should be taught in schools, I think :)ReplyDelete
wow- this dress is fantastic.ReplyDelete
maren anita
FASHION-MEETS-ART by Maren Anita
That is one beautiful dress, amazing.ReplyDelete
Oh, I love your blog! It's so sweet and beautiful! By the way, the quote is absolutely true. I wish I could show that to a friend, who goes out dressed in a bit more the than lingerie, and she says it's sexy. I find it cheap, but... she's a nce friend and I don't have the courage to say a thing...!!!!ReplyDelete
Agreed! Kisses dear! xoReplyDelete
That's SO true...!!!ReplyDelete
Can't say better,I'd like this qoute:-)))*
Wish you a very nice week,dear Little Rus,
Speak it!!! That's so true! Too many break this rule. Don't let it all hang out!!! HaHaHaReplyDelete
So true! LOVE this quote - and picture! :)ReplyDelete
Great quote!ReplyDelete
Edith Head sure got that one right! Love the dress in the photo as well.ReplyDelete
Rowena @ rolala loves
So so true!!!ReplyDelete
Hi dear, you have such a lovely blog. Would love to follow each other on Gfc and BLOGLOVIN. Let me know. Kisses from KENYAReplyDelete
Beautiful pic.ReplyDelete
You have a great blog, maybe we could follow each other gfc and bloglovin?
Lovely dress!!!!!ReplyDelete
What a fabulous quote and so very true!ReplyDelete
wow, love this look! Lucy www.tpinkcarpet.comReplyDelete
The dress is a piece of art!ReplyDelete
I agree completely! And I love this picture you picked.ReplyDelete
Fashion and Beauty Finds
aw how perfect- such a wonderful quoteReplyDelete
Love the dress here mmm dreamy
Yes - I hate it, when my dresses are to tight!ReplyDelete
Couldnt agree more!ReplyDelete
this dress is incredible!!:)ReplyDelete
Such a great quote!ReplyDelete
I saw your post on the Company Magazine forum.
Would love to follow each other on bloglovin?
Let me know with a comment and I always follow back.
Love from London.
Love G xx
I haven't heard this one before, love it, so many people aren't able to decipher the difference between tight and constricted. Thanks for your visit, hope your week is going well :)ReplyDelete
So so true!!!!!ReplyDelete
Brooke @ what2wear
très beau modeleReplyDelete
Haha, great quote! Very true, and what a fabulous pic Natalia!!ReplyDelete
Totally agree with these words! CarolineReplyDelete
Helemaal waar, helaas heeft nog niet iedereen dat begrepen ;-)ReplyDelete
Of course it has to be Edith Head... in my opinion one of the best fashion designers ever...ReplyDelete
Im a total quote addict so I LOVED this:)ReplyDelete
If you want to see an amazing webshop..check out my new post:)
Have a great weekend dear
LOVE Maria
I love the perfect equilibrium of this quote!ReplyDelete
Love this quote as it suggest that style (and charm) should be subtle elegance! CaterinaReplyDelete


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Dear Chieftain Families,
Welcome to the 2017-18 School Year. To our incoming sophomore families, welcome to Utica High, the home of the Chieftains. Summer has been incredibly busy with major construction at Utica High. When school opens on September 5, we will have our three remaining bathrooms completely renovated as well as have two unisex bathrooms available to students. Aside from that, we've added drop ceilings to over a dozen classes, replaced carpeting, and have upgraded a number of lights making our classrooms brighter while being much more energy efficient. However, that means that Utica High School is closed except for the main office until we get to our Chieftain Days registration.
-Click here for the most recent principal update-
Utica Community Schools is Michigan's second largest school district.
Student achievement in the district outpaces all county, state and national averages. The district's graduation rate is 12 points higher than the state average and students are staff are regularly honored for excellence.
For more information on Utica Community Schools, please visit this link .
47255 Shelby Road, Shelby Township, MI 48317
School Hours: 7:20 a.m. - 2:14 p.m.
Thomas Lietz, Principal
Dr. Christine Johns, Superintendent of Schools