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BECOMING YOUR OWN BANKER (Mar-2009) Someone made the comment that “If some authoritative power distributed all the money in the world equally among all the people in the world, within ten years time 97% of all the money would be under the control of 3% of the people.” I suppose that there is no way to ever measure the validity of such a statement, but I have the feeling that most people would agree that it is probably close to the truth. Even if the proportions were somewhat moderated—say 75% of the money would be under the control of 25% of the people—why do you think that this phenomenon happens? Perhaps some of the answer lies in the fact that most folks know next to nothing about the process of banking and its importance to their lives and their well being. Banking is the most important business in the world! Without it, all business comes to a screeching halt. Whenever a business transaction takes place, money must flow from one party to another in a relatively short time or, otherwise, nothing takes place. That flow of money must come from a supply source, a reservoir. That is the essence of what the banking business is all about; some one or some organization has control of a pool of money that can (and must) flow, at a cost, to meet some need. There is only one pool of money in the world. The fact that this pool is managed by any number of institutions: banks, insurance companies, corporations, and individuals in various countries with various currency denominations is incidental. To argue otherwise would be the equivalent of someone looking at the globe and observing that the Amazon River in South America flows into the Atlantic Ocean and commenting that “this has nothing to do with the Indian Ocean on the other side of the globe.” Nonsense! It is all part of a system. Observe that about 75% of the Earth’s surface is covered by water. The sun heats it up and some of it evaporates into the atmosphere causing wind currents. The currents take the water vapor around the earth and it precipitates out in the form of rain, sleet and snow—and somewhere along the way some of it flows through you and me. Without it we die! That makes it of vital importance. Pray tell, where does it end up? Right! Back in the oceans! The banking business is somewhat like that. Money flows from the pool through our hands to meet our needs—but somewhere in the process it all ends up back into the banking system. It is all a matter of “how much of the banking function do you control as it relates to your needs.” If you are going to create a bank like the ones you already know about, there are a number of steps you must go through. Like the grocery business, you must first study the business so that you have a firm grip on what it is all about and feel that you can run such a business. Without this confidence you are fighting a lost cause. It’s a jungle out there! Next, you must get some Capital—money— and it had better be in the order of $5 million or more. This money must sit in some other bank in a very liquid form, that is, it is earning a very low interest rate. Then you go to the Banking Commissioner’s office and apply for a Bank Charter. Bear in mind that the Commissioner doesn’t hand out charters indiscriminately. The chances of your getting one at this point is probably less than 100 to 1. There are a lot of other folks that would like to be bankers. You must wait your turn. Whenever I hear the word, Commissioner, I always think of an iceberg—only 10% appears above the water! There is a lot going on that is unseen. At this point you need to use your imagination. The bottom line is that you are going to spend a lot of time and money in this phase of creating your bank. Years are likely to have passed before you finally win the coveted charter. In the meantime, you have probably gone through the part about a good location and suitable building. This, too, is all at considerable expense. Now you are finally in business as a bank. You must make your bank known by lots of advertising and inducing people to make deposits to your bank. Why do you think they would deposit their money with your bank when they could easily do business with established banks that have been there for years? Right! You are going to have to pay them something better than they are getting at their current banking connection. Do you notice, thus far, that you have been paying out money for years in getting this business established? In his book, PAPER MONEY, author Adam Smith has this to say: “A banker cannot make a loan unless he has a deposit. It seems a little silly to state that so baldly, but if three college-educated Americans in ten don’t know that we have to import oil, I don’t feel so bad about saying something bald. Banks do not lend their money. They lend the money somebody else has left there.” Later on in the book he goes on to explain: “When you start up a bank, you have to put in some capital. Then you get some deposits, and then you lend the deposits. In a proper bank these three items bear a prudent relation to one another. B a n k i n g — T h e business of a bank, originally restricted to money changing, and now devoted to taking money on deposit subject to check or draft, loaning money and credit and any other associated form of general dealing in money or credit. The very first principle that must be understood is that you finance everything that you buy—you either pay interest to someone else or you give up interest you could have earned otherwise. The alternate use of money must always be reckoned with. Some call this “opportunity cost.” But, it is amazing how people give lip-service to this fact but do not put it into practice in their own financial dealings—the equivalent of thinking that the law of gravity applies to everyone else but them. An excellent article appeared in the September 1993 issue of FORTUNE magazine, entitled “The Real Key To Creating Wealth” by Shawn Tully in which he describes the concept of Economic Value Added (EVA) developed by Stern Stewart & Co. of New York City. Tully says, “Understanding that while EVA is easily today’s leading idea in corporate finance and one of the most talked about in business, it is far from the newest. On the contrary: Earning more than the cost of capital is about the oldest idea in enterprise. But just as Greece’s glories were forgotten in the Dark Ages, to be rediscovered in the Renaissance, so the idea behind EVA has often been lost in ever- darker muddles of accounting. Managers and investors who come upon it act as if they have seen a revelation.” In summary, before being introduced to EVA, corporations were borrowing capital from banks and paying interest—but they were treating their own capital (equity) as if it had no cost! When they were brought face-to-face with the error of their ways and conducted their business with this fact ncluded in the equation, then the profitability increased dramatically. EVA’s basic premise is—if you know what’s really happening, you’ll know what to do. The same thing applies to The Infinite Banking Concept. To get the complete information please : click here To Your Success, Ardy
------------------------------------------------------------------------------------- WHAT IS FIBROMYALGIA? (Feb-2009) Mohamed Yunus and his team first reported the prevalence of a medical condition, fibromyalgia in the 1980s. Previously doctors called this fibrositis, or non-articular rheumatism, as it does not cause inflammation of the joints. Fibromyalgia is a condition that results in aching joints, muscles, and tendons. The term fibromyalgia means literally pain in the connective tissue and muscles. Patients of fibromyalgia suffer from anxiety, disturbed sleep pattern, irregular bowel syndrome, and depression. They are irritable and may have short–term memory loss and an inability to multitask. Due to lack of sleep, they feel tired and irritable most of the time. Patients are more sensitive to pain especially at the pressure points, compared to normal individuals. Since there are no outward signs of this condition, there is a lack of empathy for the sufferers.
Cause Doctors still do not know what causes fibromyalgia and research work continues to find out the reasons for this painful condition.
Incidence Fibromyalgia can develop in about two to six percent of the population, irrespective of age, gender, and race. However, it affects more women than men, especially over the age of fifty years. Therefore, it greatly affects productivity and efficiency of the workforce. Fibromyalgia does not confine the person to bed rest, but is a painful condition to live with. The intensity and duration of pain from person to person and does not affect the natural life of the person.
Types of Fibromyalgia There are four main types of fibromyalgia identified by researchers, though some believe there is only one type of fibromyalgia.
Primary Fibromyalgia An individual with primary fibromyalgia may have been thought to have arthritis, lupus, or another rheumatoid condition. If they display tenderness in at least eleven of the eighteen pressure points, then fibromyalgia should be considered a possibility. Primary fibromyalgia mostly affects young women, though men and children of both sexes can also develop this condition.
Secondary Fibromyalgia This occurs due to another underlying illness and occurs more often in men. In secondary fibromyalgia, the person experiences pain only in the affected area. It is of two types, one that occurs due to an existing disease like lupus, or cancer. The person suffers a limb contraction and the pain persists even after the rheumatism subsides. The second type known as posttraumatic fibromyalgia happens because of a severe trauma like a car accident or overuse of muscles. The person suffers damage to spinal muscles and a severe spasm. The pain may first appear as a headache but increases gradually and affects the limbs. Overuse of muscles, leads to carpel tunnel syndrome, commonly seen in those using computers. The result of overuse is the same as that of a single trauma with a gradual weakening of the spinal muscles. Other associated painful conditions due to this type of fibromyalgia are shoulder pain and tennis elbow.
Concomitant Fibromyalgia This occurs in association with connective tissue pain, and arthritis. People suffering from osteoarthritis or scoliosis may also experience concomitant fibromyalgia, but the two conditions may be unrelated.
Regional Fibromyalgia A person suffers pain only in a particular region and can exhibit tenderness at eleven of the eighteen pressure points.
Another classification system identifies a few other types of fibromyalgia: Mood related fibromyalgia results in depression and irritation that are the result of disturbed sleep. Disturbance in sleep may result in injury to muscles of the face and neck and results in fibromyalgia. Hormone-related fibromyalgia: Hyperthyroidism may result in disturbed sleep and strain in the muscles, resulting in fibromyalgia. Menopausal and perimenopausal women suffer repeated pain in the neck and back due to changes in hormones, and can end up with fibromyalgia. Age-dependent fibromyalgia: Usually older persons develop fibromyalgia with increasing age due to a degenerating body and a variety of other factors. Stress and Fibromyalgia Stress is one of the causes that makes fibromyalgia worse. Stress can be the result of fatigue and muscle pain that are associated with fibromyalgia. There are many theories that suggest that the stressful condition of womens’ modern lifestyles is the cause of fibromyalgia. How Can I Control Fibromyalgia Stress Symptoms? Nearly 75% of people with fibromyalgia lead a very stressful life. It is estimated that 22.7 million Americans may suffer from fibromyalgia. However, the exact cause of stress is not known. It can lower your energy and vitality level and snatch simple pleasures out of life. Too much stress can help various diseases to appear; one of them is fibromyalgia. Too much stress in fibromyalgia can worsen the conditions. There is no specific treatment for fibromyalgia, but there are alternative methods that some believe can help to combat the negative effects of fibromyalgia.
Stress Management Pacing is one of the important concepts of managing fibromyalgia. Pacing helps reduce stress in an individual. Pacing your activities involves: taking things as they come being flexible, keeping your goals at a modest level, and working within your capacity. You could involve yourself in activities such as doing housework, various forms of mental activity, planning your diet, gardening etc. Stop whenever you feel it is time to slow down to rest.
Is Fibromyalgia Stress a “Positive”? You can consider stress as a positive to help you move forward. Positive stress will help you to great extent to make your life merrier again. Stress may, at times, help you to speak your mind to someone, lighten your mood, and restore peace. Some ways to keep stress down: 1. Find out your area of interest 2. Do not think of negative things 3. Try to change your negative thoughts to positive ones. 4. Take a warm, relaxing bath 5. Listen to some good relaxing music for at least 15 to 20 minutes 6. Do not overdo anything 7. Develop diaphragm breathing, as it will help you reduce pain and stress 8. Work out coping techniques for situations that make your symptoms flare up.
To get the complete informations please : click here
Linda Jap
------------------------------------------------------------------------------------- YOUR INTERNET SAFETY GUIDE (Jan-2009)
Surfing Internet Safely When you meet someone on the Internet, you only get the information about them that they want you to have. That may be genuine, incomplete or completely false. For your own safety and peace of mind, you should be miserly about what personal information you give out anywhere. It’s nice to be able to tell people that you come to know through their posts on your favorite web sites about your new job, husband or baby. But, any information you put into a Forum, chatroom or other social or business site is likely to be seen by many more people than the relatively few that post – there is often a much larger group that “lurk” without posting except when they feel it is to their advantage. Also, remember that the information that you have freely given will float around the Net for years!
Don’t Expose Your Friend’s Addresses to Other Friends. Don’t accidentally share addresses from your address book. Many people send copies of the same email to a number of friends at the same time. The correct way to do this is to put one email address in the To: box and then put the email addresses of all the other people in the Bcc: box. I have seen many emails with a dozen to a hundred private email addresses clearly displayed either in the To: box or in the Cc: box. If any of the people that get the email indulge in spam (and there are many “amateur” spammers trying to make a few quick dollars), then your friends will start getting some unwelcome advertising mail. The addresses will all be in all of your friends’ email accounts, probably for months. If any of those accounts are breached by a spammer with a Trojan or virus, then all those addresses will be added to his spam list. It may even appear to come from your email address if the spammer fakes the sending address! Even if that doesn’t happen, your friends will all see everybody’s addresses clearly displayed on your email and know that you shared their addresses without asking. That’s not good for your reputation.
Identity Theft Like most of the tricks and traps mentioned in this book, Identity Theft is not confined to the Internet. Your information may be obtained through a bogus web site or email, but it is probably more common for the scammers to get the information from someone copying your credit card details when you use it in a restaurant or from a carelessly discarded receipt at your bank branch or retrieved from your rubbish bin! Identity theft is devastating for the victims and their families. The money they lose is just part of the damage they suffer. They may have all credit stopped, their cash savings, if any, disappear, and they have to prove the crime or be liable for all debts that the scammers created with their stolen information. This may take years. It also often has serious effect on your health, business associations and personal relationships. Almost anyone can be a target, not just people with significant assets. Teenagers are popular targets for the scammers, because many are fairly casual about security of their information and their credit is usually unblemished. The profits from these scams can be huge but, perhaps because of a lack of knowledge about their effects on the part of legislators and judges, legislation is not a great deterrent at this time. It seems like some trials take longer than the sentences imposed on those found guilty.
Quick Tips to Reduce the Risks Do not to give out your personal information just because someone asks, especially your Social Security Number or other sensitive information. Carefully check your financial statements and all accounts each month as soon as possible after you get them. Query anything you cannot confirm. Some people find small, fairly regular amounts being charged to their credit card every month by some organization that they can’t remember ever contacting. Even $5 a month becomes worthwhile to the scammer when it’s not costing them anything – and they are probably doing the same thing to many other people too! Don’t store passwords on your computer unless you use some purpose-made software that you trust. Your web browser should not be used to store any passwords. Never use a password for more than one web site. Never click on a link in an email. If it is from someone you don’t know and trust, be extra careful. If it seems to be from your Bank or other financial institution, call them on the phone or visit their office to discuss the matter and check the validity of the email. If you decide to visit the web site, open a new window in your web browser and type the address in. Check it carefully before you click the button to go to the web site. When you finish making your transactions at your Bank’s web site, wait for a message that you have been logged out and then close the window completely. Do NOT use that browser window to visit any other site or even log back into the same one. Take the extra few seconds, close the browser window and open a fresh one.
Click Here for Your Private Information A convenient feature of all web browsers is the ability to store any passwords that you use for the websites you visit. Having read this far, you'll realize that storing the passwords of sensitive sites, such as your bank, anywhere on your computer is not a good idea. It's up to you whether you want to use this feature to store other passwords. But, either way, your browser probably stores much more information about your Internet activities than you may realize. If your computer was examined by someone that knew what they were doing, it could reveal many secrets, including: • copies of pages that you visited • details of files that you viewed and downloaded, and even • information about files that you deleted and thought were gone forever There are many software programs available which you can use to remove most of this information. The one that I have, and am most comfortable recommending, is free to use. It is called CCleaner and you can get it from http://www.ccleaner.com/. Another program worth checking out is Privacy Eraser from http://www.privacyeraser.com .Of course, removing your usage history information and cookies from your computer will not be completely comfortable for you at first. You will have to type in your username and password for each site that you visit in the future, instead of the browser inserting them into the form instantly when you open the web page. Your choice will depend on how much that convenience is worth for you compared to the potential risk.
Security Software This is an overview based largely on my own experience with programs as well as the experiences of colleagues and clients. Most programs for which you have to pay are available in trial downloadable versions which will run with all or their most important features fully working for a period of up to thirty days so that you can test the program thoroughly before buying. While you are using the trial version, you may not be able to access the full support options that paid-up clients get. But, you should submit a genuine question to their support department during the evaluation period. I found that one significant difference between some of the best programs that I tried was the prompt (one to two business days during the evaluation period is fair) and understandable responses which were easy to use that I got from only a small number of suppliers.
Find Something Good and Stick to it! Testing different programs was something I felt that I should do so that I could give you a wider range of information. But, I advise against chopping and changing between security programs of the same type, but from different suppliers, just because one announces that it has a new, and currently exclusive, feature in the new version of its program. Every program that you use will require some time for you to learn how to get the best from it. When you set up a different program of the same type, you’re more or less back to square one and the virus threats, spam or other malware won’t wait for you to catch up! I have always run two anti-spyware programs and not had any noticeable difficulty. But, that may not work for you.
Updates and Scans I advise that you schedule your various security programs to check for updates and perform their system scans at different times to the other programs. This will reduce the amount of resources which they take away from other programs that you may be using at the time these procedures are running.
Pep Up Your Computer If you find that your computer is running more slowly than you are comfortable with, the main things for you to check would be: ? Have you cleared any unused or obsolete files from your computer system and defragged it. This may take some hours if you have not done it for a significant period, so arrange time to do it as soon as possible. ? Are there programs installed that you aren’t likely to use? Just having them on the system is reducing the resources available to you and also increasing the time that the security programs require to check your computer system. ? Can you add more ram (not a larger hard drive which would just encourage you to store extra files on your computer) at a reasonable cost. A free program that will help you to find the information which you need to answer those questions is Belarc Advisor which you can download from http://www.belarc.com/. Some suppliers will just quote you for the maximum amount of extra ram that your system will accept. I was very pleased when the salesman at my favorite computer store said that, while my computer had space for two more gigabytes of ram, he recommended that I only buy one because the applications that I use are unlikely to need any more. That saved me about $120 which I was prepared to pay right then. Of course, it’s likely that he’ll see that money and quite a bit more because I’ll be buying most of my future computer needs from the salesman that took the long view on a fairly small sale. Web Browser Add-Ons The current version of the Opera web browser has a “fraud detection” feature which uses the database at http://www.phishtank.com/ to check sites that you visit. McAfee Site Advisor is a free add-in for the Internet Explorer and Firefox browsers which uses their own database to check whether the sites you surf to are known to have spyware, adware, spam etc.
Anti-virus Programs An anti-virus program searches your computer for virus programs which it has information about and also for programs it may not recognize but which show characteristics similar to programs that have already been added to its knowledge base. Your anti-virus program will also monitor important files on your computer and check any that are changed in size at any time (a possible indication that a virus or some other malware has affected the file). It’s very important that you always have the most recent version of the program and its reference files. I schedule my program to check for updates every day, just before it starts the full daily scan. But, if you are not using your computer on the Internet every day, then a weekly check for updates may be enough for you. It’s not a good idea to try to run two anti-virus programs on the same computer. Some will clash and your computer may even crash. It’s even more likely that the two programs could claim the other is (or contains) a virus simply because of the reference files that accompany each program. Another problem is that having the two programs constantly scanning your machine, even just on a low priority basis in the background, can reduce the resources available to other programs you are using and slow down your work or leisure activities. Most anti-virus programs will scan your emails as they are received or sent. This may require you to specify the path to the main file of your anti-virus program or its email-scanning sub-program when you set up your email program. Not all anti-virus programs will do this. If yours does not, I suggest you think about upgrading it or getting a different program which is more fully featured.To get the complete information and more software please : click here To your success! Ardy
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