tag:blogger.com,1999:blog-10888376291369021222024-03-05T11:09:30.809-06:00What the bleap? Bleap - Bleap - Bleap!!Dedicated to promoting the truth and exposing those who work to destroy America.Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.comBlogger439125tag:blogger.com,1999:blog-1088837629136902122.post-26153837909475606572016-09-04T00:39:00.001-05:002017-01-02T10:47:03.032-06:00worldwide taxation under control of Rome<h3 class="in-block" style="background-image: none; border: 0px; display: table; font-family: 'linux libertine', georgia, ' times', serif; font-size: 1.2em; line-height: 1.3; margin: 0px; padding: 0.5em 0px; vertical-align: baseline; word-wrap: break-word;">
<span class="mw-headline" id="Taxation" style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle; width: 836px;"><span style="color: white;">Taxation</span></span><span style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle;"><a class="mw-ui-icon mw-ui-icon-element mw-ui-icon-edit-enabled edit-page" data-section="10" href="https://en.m.wikipedia.org/w/index.php?title=Organisation_for_Economic_Co-operation_and_Development&action=edit&section=10" style="background-image: none; border: 0px; display: inline-block; font-family: inherit; font-size: 0.83333333em; font-style: inherit; font-weight: inherit; line-height: 1.5em; margin: 0px; max-width: 3.5em; min-height: 1.5em; min-width: 3.5em; overflow: hidden; padding: 0px; position: relative; text-indent: -999px; vertical-align: baseline; visibility: visible; width: 3.5em;" title="Edit section: Taxation"><span style="color: white;">Edit</span></a></span></h3>
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<span style="color: white;">See also: <a class="mw-redirect" href="https://en.m.wikipedia.org/wiki/FATF_Blacklist" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="FATF Blacklist">FATF Blacklist</a></span></div>
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<span style="color: white;">Indonesians may soon be hiding their Ferraris - they have a graft-busting new minister http://bloom.bg/2bMRcbj via @business</span></div>
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<span style="color: white;">The OECD publishes and updates a model tax convention that serves as a template for bilateral negotiations regarding tax coordination and cooperation. This model is accompanied by a set of commentaries that reflect OECD-level interpretation of the content of the model convention provisions. In general, this model allocates the primary right to tax to the country from which capital investment originates (i.e., the home, or resident country) rather than the country in which the investment is made (the host, or source country). As a result, it is most effective as between two countries with reciprocal investment flows (such as among the OECD member countries), but can be very unbalanced when one of the signatoryc countries is economically weaker than the other (such as between OECD and non-OECD pairings).</span></div>
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<span style="color: white;">Since 1998, the OECD has led a charge against <a class="mw-redirect" href="https://en.m.wikipedia.org/wiki/Harmful_tax_practice" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Harmful tax practice">harmful tax practices</a>, principally targeting the activities of <a href="https://en.m.wikipedia.org/wiki/Tax_haven" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Tax haven">tax havens</a> (while principally accepting the policies of its member countries, which would tend to encourage <a href="https://en.m.wikipedia.org/wiki/Tax_competition" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Tax competition">tax competition</a>). These efforts have been met with mixed reaction: The primary objection is the sanctity of tax policy as a matter of sovereign entitlement.<sup class="reference" id="cite_ref-ssrn_36-0" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-ssrn-36" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[36]</a></sup> The OECD maintains a "blacklist" of countries it considers uncooperative in the drive for transparency of tax affairs and the effective exchange of information, officially called "The List of Uncooperative Tax Havens".<sup class="reference" id="cite_ref-37" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-37" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[37]</a></sup> In May 2009, all remaining countries were removed from the list.<sup class="reference" id="cite_ref-38" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-38" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[38]</a></sup></span></div>
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<span style="color: white;">On 22 October 2008, at an OECD meeting in Paris, 17 countries led by France and Germany decided to draw up a new blacklist of tax havens. The OECD has been asked to investigate around 40 new tax havens in the world where undeclared revenue is hidden and that host many of the non-regulated hedge funds that have come under fire during the <a class="mw-redirect" href="https://en.m.wikipedia.org/wiki/2008_financial_crisis" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="2008 financial crisis">2008 financial crisis</a>. Germany, France, and other countries called on the OECD to specifically add Switzerland to a blacklist of countries that encourage tax fraud.<sup class="reference" id="cite_ref-39" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-39" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[39]</a></sup></span></div>
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<span style="color: white;">On October 29, 2014, in Berlin, during the Global Forum on Transparency and Exchange of Information for Tax Purposes, all OECD and G20 countries, as well as most major international financial centres, signed a “multilateral competent authority agreement” that will activate the automatic sharing of financial data for tax purposes.<sup class="reference" id="cite_ref-BelvinsFranks_40-0" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-BelvinsFranks-40" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[40]</a></sup><sup class="reference" id="cite_ref-OECDPub_41-0" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-OECDPub-41" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[41]</a></sup> Under the <a href="https://en.m.wikipedia.org/wiki/Foreign_Account_Tax_Compliance_Act" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Foreign Account Tax Compliance Act">Foreign Account Tax Compliance Act</a> (FATCA), the United States will automatically exchange information with other countries beginning in 2015. In 2017, 58 jurisdictions of the "early adopters"—the UK, Spain, France, Portugal, Cyprus, Malta, Germany, Italy, Isle of Man, Jersey, Guernsey, Gibraltar, Bermuda, Cayman Islands, British Virgin Islands, Ireland, Iceland, Liechtenstein, Luxembourg, San Marino, Seychelles, Argentina, and South Africa—start to share information automatically. In 2018, another 35 jurisdictions, including Australia, Austria, Bahamas, Brazil, Brunei, Canada, China, Hong Kong, Monaco, Qatar, Russia, Singapore, United Arab Emirates, and Switzerland begin sharing information.</span></div>
<h3 class="in-block" style="background-image: none; border: 0px; display: table; font-family: 'linux libertine', georgia, ' times', serif; font-size: 1.2em; line-height: 1.3; margin: 0px; padding: 0.5em 0px; vertical-align: baseline; word-wrap: break-word;">
<span class="mw-headline" id="Publishing" style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle; width: 836px;"><span style="color: white;">Publishing</span></span><span style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle;"><a class="mw-ui-icon mw-ui-icon-element mw-ui-icon-edit-enabled edit-page" data-section="11" href="https://en.m.wikipedia.org/w/index.php?title=Organisation_for_Economic_Co-operation_and_Development&action=edit&section=11" style="background-image: none; border: 0px; display: inline-block; font-family: inherit; font-size: 0.83333333em; font-style: inherit; font-weight: inherit; line-height: 1.5em; margin: 0px; max-width: 3.5em; min-height: 1.5em; min-width: 3.5em; overflow: hidden; padding: 0px; position: relative; text-decoration: none; text-indent: -999px; vertical-align: baseline; visibility: visible; width: 3.5em;" title="Edit section: Publishing"><span style="color: white;">Edit</span></a></span></h3>
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<span style="color: white;">The OECD publishes books, reports, statistics, working papers and reference materials. All titles and databases published since 1998 can be accessed via <a href="https://en.m.wikipedia.org/wiki/OECD_iLibrary" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="OECD iLibrary">OECD iLibrary</a>.</span></div>
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<span style="color: white;">The OECD Library & Archives collection dates from 1947, including records from the Committee for European Economic Co-operation (CEEC) and the Organisation for European Economic Co-operation (OEEC), predecessors of today's OECD. External researchers can consult OECD publications and archival material on the OECD premises by appointment.</span></div>
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<span class="mw-headline" id="Books" style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle; width: 836px;"><span style="color: white;">Books</span></span><span style="background-image: none; border: 0px; display: table-cell; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: middle;"><a class="mw-ui-icon mw-ui-icon-element mw-ui-icon-edit-enabled edit-page" data-section="12" href="https://en.m.wikipedia.org/w/index.php?title=Organisation_for_Economic_Co-operation_and_Development&action=edit&section=12" style="background-image: none; border: 0px; display: inline-block; font-family: inherit; font-style: inherit; font-weight: inherit; line-height: 1.5em; margin: 0px; max-width: 3.5em; min-height: 1.5em; min-width: 3.5em; overflow: hidden; padding: 0px; position: relative; text-decoration: none; text-indent: -999px; vertical-align: baseline; visibility: visible; width: 3.5em;" title="Edit section: Books"><span style="color: white;">Edit</span></a></span></h4>
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<span style="color: white;">The OECD releases between 300 and 500 books each year. The publications are updated accordingly to the OECD iLibrary. Most books are published in English and French. The OECD flagship<sup class="noprint Inline-Template" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px; white-space: nowrap;">[<i style="background-image: none; border: 0px; font-family: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><a href="https://en.m.wikipedia.org/wiki/Wikipedia:Vagueness" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Wikipedia:Vagueness"><span style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;" title="This information is too vague. (September 2013)">vague</span></a></i>]</sup> titles include:</span></div>
<ul style="background-image: none; border: 0px; font-family: 'helvetica neue', helvetica, 'nimbus sans l', arial, 'liberation sans', sans-serif; font-size: 16px; line-height: inherit; list-style: square inside; margin: 0px; padding: 0px; vertical-align: baseline;">
<li style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px 0px 10px; padding: 0px; vertical-align: baseline;"><span style="color: white;">The <a href="https://en.m.wikipedia.org/wiki/Economic_Outlook_(OECD_publication)" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Economic Outlook (OECD publication)">OECD Economic Outlook</a>, published twice a year. It contains forecast and analysis of the economic situation of the OECD member countries.</span></li>
<li style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px 0px 10px; padding: 0px; vertical-align: baseline;"><span style="color: white;">The <a href="https://en.m.wikipedia.org/wiki/OECD_Main_Economic_Indicators" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="OECD Main Economic Indicators">Main Economic Indicators</a>, published monthly. It contains a large selection of timely statistical indicators.</span></li>
<li style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px 0px 10px; padding: 0px; vertical-align: baseline;"><span style="color: white;">The OECD Factbook, published yearly and available online, as an iPhone app and in print. The Factbook contains more than 100 economic, environmental and social indicators, each presented with a clear definition, tables and graphs. The Factbook mainly focuses on the statistics of its member countries and sometimes other major additional countries. It is freely accessible online and delivers all the data in <a href="https://en.m.wikipedia.org/wiki/Microsoft_Excel" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;" title="Microsoft Excel">Excel</a> format via StatLinks.</span></li>
<li style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px 0px 10px; padding: 0px; vertical-align: baseline;"><span style="color: white;">The OECD Communications Outlook and the OECD Internet Economy Outlook (formerly the Information Technology Outlook), which rotate every year. They contain forecasts and analysis of the communications and information technology industries in OECD member countries and non-member economies.</span></li>
<li style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px 0px inherit; padding: 0px; vertical-align: baseline;"><span style="color: white;">In 2007 the OECD published <i style="background-image: none; border: 0px; font-family: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Human Capital: How what you know shapes your life</i>, the first book in the <i style="background-image: none; border: 0px; font-family: inherit; font-variant-caps: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">OECD Insights</i>series. This series uses OECD analysis and data to introduce important social and economic issues to non-specialist readers. Other books in the series cover sustainable development, international trade and international migration.</span></li>
</ul>
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<span style="color: white;">All OECD books are available on the OECD iLibrary, the online bookshop or OECD Library & Archives.<sup class="reference" id="cite_ref-42" style="background-image: none; border: 0px; font-family: inherit; font-size: 0.75em; font-style: inherit; font-variant-caps: inherit; line-height: 1; margin: 0px; padding: 0px;"><a href="https://en.m.wikipedia.org/wiki/Organisation_for_Economic_Co-operation_and_Development#cite_note-42" style="background-image: none; border: 0px; font-family: inherit; font-style: inherit; line-height: inherit; margin: 0px; padding: 0px; text-decoration: none; vertical-align: baseline; white-space: nowrap;">[n 1]</a></sup></span></div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com5tag:blogger.com,1999:blog-1088837629136902122.post-78617306479934048512015-01-08T19:35:00.003-06:002015-01-08T19:37:21.603-06:00<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-9NELGT4lwfM/VK8trhoFNgI/AAAAAAAADxY/r2os72skzRg/s1600/USA-Frustrated.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-9NELGT4lwfM/VK8trhoFNgI/AAAAAAAADxY/r2os72skzRg/s1600/USA-Frustrated.jpg" height="161" width="320" /></a></div>
<b>It's Crap from tax preparing companies that add to the belief that we Americans are Suppose to pay our Fair Share. </b><br />
<b><br /></b>
<b>Fair is; Americans are not required to pay a tax on labor or wages. All income taxes are Lies. You know how I know. </b><br />
<b><br /></b>
<b>Because we of five, six, seven or more INCOME TAXES. But not one government Official will tell us what the definition of INCOME IS, According to the law and statute. The supreme court already did. It's not labor!!</b><br />
<b><br /></b>
<b>The 16th Amendment did not authorize a direct unapportioned tax on wages or labor Inside any of the Several states. 1 US 240 1916, </b><br />
<h4 style="background-color: white; margin: 5pt 17.25pt 5pt 0.5in;">
<a href="https://www.blogger.com/null" name="ta05004"><span style="font-size: 16pt;">Brushaber v. Union Pacific R.R. Co. (1916)</span></a></h4>
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<a href="https://www.blogger.com/null" name="ta05004"><span style="font-size: 16pt;">United States Supreme Court</span></a></div>
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<a href="https://www.blogger.com/null" name="ta05004"><span style="font-size: 16pt;">----------------------------------------------------------------------------------------</span></a></div>
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<a href="https://www.blogger.com/null" name="ta05004"><span style="font-size: 16pt;"><br /></span></a></div>
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<b><a href="https://quicken.intuit.com/support/help/budgeting-basics/home-budget--cost-of-living-reality-check/INF16169.html" target="_blank">Home Budget: Cost-Of-Living Reality </a></b>
Check
Updated: 6/25/2013 | Article ID: INF16169
You’ve heard the mantra over and over:
budget, budget, budget. This is money
management rule number one as you
graduate, start bringing home a paycheck
and begin life in the real world.<br />
<br />
But if
you’ve never had to pay for life’s
essentials yourself, coming up with a
realistic spending plan can feel like
wandering in the dark.
If your parents have been covering or
subsidizing your living expenses at home
or college, you probably need a reality
check before stepping out on your own.
For many young adults, the combination of
lower-than-expected take-home pay
coupled with higher-than-expected living
expenses can be a recipe for financial
disaster. We’re here to shed some light
on your finances, and help you build a
home budget that avoids surprises.
Your income
Let’s start with your paycheck. While you
know that Uncle Sam gets first dibs on
your hard-earned money, you may not be
prepared for how much the government
will take. For example, if you earn a
salary of $35,000, you’ll likely only see
about $28,356 after federal taxes, Social
Security and Medicare are subtracted.<br />
<br />
That doesn’t include state taxes or any
deductions from your paycheck for
workplace benefits, such as medical and
dental insurance or a retirement savings
plan. When all is said and done, you’re
likely looking at a take-home pay of—
brace yourself—$25,350 or so per year.
That’s a net income of about $2,100 per
month.
Your expenses
Now that you know how much you can
expect to bring home, you can divvy up
your paycheck. Here’s a general guide to
help you budget your money to make sure
your expenses are covered. You may have
to make some adjustments for your
situation. If you spend less on housing, for
example, you can put the extra money
from that category toward paying down
debt.<br />
<br />
The dollar figures in parentheses
are based on our above example of a
$35,000 gross salary with a monthly
take-home pay of $2,110 per month after
taxes and other deductions.
30% ($634) Housing
10% ($211) Utilities and other housing
expenditures (including renters
insurance)
15% ($317) Food (at home and away)
10% ($211) Transportation (including car
loan)
10% ($211) Debt repayment (student
loans and credit cards)
10% ($211) Saving
5% ($106) Clothing
5% ($106) Entertainment
5% ($106) Car insurance and
miscellaneous personal expenses
In terms of dollar figures, this actually
breaks down pretty close to the lines of
what things will actually cost you.
Housing, of course, will vary depending
on your location and also on whether you
live alone or with roommates.<br />
<br />
Debt
repayment is another wild card for which
you may have to make adjustments. But
for now, let’s take a closer look at the
utilities and household expenses
categories.
Utilities
We start with utilities, such as gas and
electric. Your actual cost will vary by your
location, season and how well-insulated
your apartment is. If you live in Las
Vegas, for example, you’ll spend a lot
more on air conditioning this summer than
someone in Minneapolis. But budgeting an
average of $50 to $60 per month to power
a one- or two-bedroom apartment should
suffice. Many apartments come with
garbage and water service included, so
you may not have to worry about that.
Renter's Insurance
For renter's insurance, a good policy can
run about $200 a year—or $17 a month.
Internet, Cable, Phone
You can save money on your Internet
service by going back to the stone age of
dial-up. You can find service for about $10
a month.<br />
<br />
But if that’s too drastic for your
lifestyle, consider getting high-speed
service through your cable-TV provider.
You can usually get a cut-rate deal for
bundling services together. The national
average cost for basic cable is about $15
a month—$30 for expanded basic, to
which the vast majority of cable watchers
subscribe. Add a high-speed Internet
connection for $40, and you’d do well to
budget $70 or so for the whole package.
You might save money on your phone bill
by scrapping your land line altogether
and sticking to your cell phone. (A bare-
bones landline service typically costs
about $20 to $25 a month.) Cell phone bills
can vary widely by location, provider and,
of course, your own personal use.<br />
<br />
But the
average cell phone bill in the U.S. runs
about $50 to $60 a month. If that’s too
steep for your budget, consider using a
prepaid cell phone that charges you only
for the minutes you use. If that’s too
conservative, you may have to look for
other areas to cut back.
Total
Now let’s add ’em all up: $50 for utilities,
$17 for renter’s insurance, $70 for cable
and Internet plus $50 for your cell phone,
and you’re looking at $187 a month. We
had budgeted $211, so that leaves you a
$24 cushion for those months in which
costs may vary. And if you live with a
roommate, you may be able to share the
cost of your utilities, cable and Web
access, giving you even more leeway in
your budget.
Possible adjustments
Two of the biggest areas to watch out for
are the transportation and debt
repayment categories.
Transportation
If you own your car outright, $211 a month
for transportation is a good estimate—
perhaps even too high. But if you have a
car loan, your monthly payment will
probably be more than $211 to begin with,
let alone the money you’ll spend on gas,
parking, maintenance and repairs. So
before you rush out after graduation to
buy your first set of wheels, make sure
you are aware of the real cost of buying a
car. For maintenance and repairs, you
should budget at least $500 a year, or $42
a month—maybe more if you’re buying an
older car.
For gas, let’s assume you drive 1,000
miles a month and your car averages 23
miles per gallon. You’d need to budget
$117 per month with prices at $2.70 per
gallon.<br />
<br />
That leaves only $52 for a car
payment, parking and other
transportation expenses. Clearly, not
enough. (And, of course, wildly
fluctuating gas prices can throw a curve
ball here.)
Some cities are easy to live in without a
car, thanks to good public transportation
and bike paths. But in other cities, a car
truly is a necessity. Look into carpooling
with friends or coworkers.<br />
<br />
Or cut back
somewhere else in your budget—say,
spend less on food and entertainment or
take on a roommate to split the cost of
rent to help make ends meet.
Debt repayment
As for debt repayment, a college senior
graduates with at least $20,000, on
average, in student-loan debt. If you fall
into that camp, you’ll spend $230 a month
on a standard ten-year repayment
schedule at 6.8 percent interest. You may
need to negotiate a different time
schedule with your lender, say, a 15- or
20-year repayment.<br />
<br />
Or you can ask for a
graduated repayment schedule where
you pay less per month now, but more
toward the end of your loan period. There
is also an income-contingent repayment
which bases your bill on a percentage of
your actual salary.
The average college senior also
graduates with $3,300 in credit card debt.
At 18% interest and paying $80 a month (4
percent minimum payment of initial
balance), it’ll take you about 2½ years to
rid yourself of that debt. And that’s
assuming you don’t charge another dime
Pay yourself first
One category we’d like to see you stick
with the fixed amount (or higher) is
savings.<br />
<br />
This is an excellent habit to get
into right from the get-go.
Start by building up your short-term
emergency savings, and then branch out
into investments for the long term. If a 22
-year-old saves $211 every month and
earns an average annual rate of 8 percent
on her money, she’ll have about $951,000
saved up by the time she turns 65. If she
increases her monthly contribution every
time she gets a raise, sticking with the 10
percent savings rule, she’ll have well
over $1 million – perhaps even $2 million.<br />
<br />
There is an exception to this rule,
however. If you have high-interest debt,
you’d do better to take your 10 percent
savings allotment and pay off your credit
cards first and then start saving. It
doesn’t do any good to earn 8 percent on
your savings if you’re paying 18 percent
on your credit card balance.<br />
<br />
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<br /><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-937512044908211232015-01-02T23:20:00.002-06:002015-01-02T23:20:02.671-06:00<a href="http://www.facebook.com/plugins/follow.php?href=https%3A%2F%2Fwww.facebook.com%2Fkosmicear&width&height=80&colorscheme=light&layout=standard&show_faces=true">Follow Me</a><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-23297512068437791092014-12-15T08:53:00.003-06:002014-12-15T08:53:53.301-06:00<h1 class="entry-title" itemprop="headline" style="border: 0px; font-weight: normal; margin: 0px 0px 12px; padding: 0px; vertical-align: baseline;">
<span style="font-size: small;"><span style="background-color: rgba(255, 255, 255, 0);">A U.S. Court Practically Declared Insider Trading Legal</span></span></h1>
<div>
<span style="font-size: small;"><span style="background-color: rgba(255, 255, 255, 0);"><br /></span></span></div>
<div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Wednesday, December 10, 2014, was a big day for insider trading.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">A three-judge panel of the U.S. Second Circuit Court of Appeals overturned insider trading convictions of former hedge fund managers Todd Newman and Anthony Chiasson.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Not only did the appeals court reverse the much-publicized guilty verdicts against the two traders, its 28-page decision effectively rewrites the meaning of insider trading.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">The immediate outcome of the decision not only affects the two hedge fund executives, other traders convicted of insider trading, and charged individuals who pled guilty, it will also change how traders use inside information to their benefit in the future.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">The court decision is as surprising as it is profound…</span></div>
<h3 style="border: 0px; font-weight: normal; margin: 8px 0px 15px; padding: 0px; vertical-align: baseline;">
<span style="font-size: small;"><span style="background-color: rgba(255, 255, 255, 0);">This Changes Trading Forever</span></span></h3>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Because the surprise unanimous appeals court decision immediately vacated the May 2013 judgments of conviction against Newman and Chiasson on charges of conspiracy to commit insider trading and insider trading in violation of 18 U.S.C. § 371, sections 10(b) and 32 of the Securities Exchange Act of 1934, SEC Rules 10b‐5 and 10b5‐2, and 18 U.S.C. § 2.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Adding insult to injury for Preet Bharara, the Manhattan U.S. Attorney who oversaw the six-week jury trial, which was heard in the U.S. District Court for the Southern District and presided over by Judge Richard J. Sullivan, the appeals court dismissed the entire suit <em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">with prejudice</em>.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">According to <span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;"><em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">IllinoisLegalAid.org</em></span>, "In the formal legal world a court case that is dismissed with prejudice means that it is dismissed permanently. A case dismissed with prejudice is over and done with, once and for all, and can't be brought back to court."</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Now, not only <em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">won't</em> there be any re-trial based on the appeals court decision, the only way similarly derived convictions will stand up on appeal will be if the matter makes it to the Supreme Court.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">What happened – and how it happened – matters.</span></div>
<h3 style="border: 0px; font-weight: normal; margin: 8px 0px 15px; padding: 0px; vertical-align: baseline;">
<span style="font-size: small;"><span style="background-color: rgba(255, 255, 255, 0);">An Impossibly High Bar Is Set</span></span></h3>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">The bottom line: As far as the appeals court's ruling, Judge Richard Sullivan gave the jurors hearing the case against both traders erroneous instructions. The appeals court said that he set the bar too low, which made it easy for jurors who deliberated for two days to reach a guilty verdict.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">But the real bombshell in the Appeals Court decision is what it says is required to prove insider trading.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Insiders at <span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Dell Inc.</span> (formerly Nasdaq: <span class="hover-card hc-wrap" data-stock-hover-card="" style="background-image: none !important; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-top-left-radius: 2px; border-top-right-radius: 2px; border: 0px; cursor: pointer; display: inline-block; margin: 0px; padding: 0px; vertical-align: baseline;"><a href="https://www.google.com/finance?q=NASDAQ%3ADELL&ei=myCLVLvhEcmQqwGPm4GgCg" style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" target="_blank">DELL</a></span>) and <span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Nvidia Corp.</span> (Nasdaq: <span class="hover-card hc-wrap" data-stock-hover-card="" style="background-image: none !important; border-bottom-left-radius: 2px; border-bottom-right-radius: 2px; border-top-left-radius: 2px; border-top-right-radius: 2px; border: 0px; cursor: pointer; display: inline-block; margin: 0px; padding: 0px; vertical-align: baseline;"><a href="https://www.google.com/finance?q=NASDAQ%3ANVDA&ei=nyCLVMH2F4W7rQG-mYDoDQ" style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" target="_blank">NVDA</a></span>) passed along information about what was going on in their companies to some contacts, which made its way through some fuzzy Wall Street "intelligence networks" (in reality, glorified gossip channels papered over with research notes) to analysts, who transmitted the information to analysts who worked for Newman and Chiasson. They traded on the information and made about $72 million.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">While Judge Sullivan told jurors it was enough to show the traders knew the information they traded on resulted from a breach of fiduciary duty on the part of the tipsters at Dell and Nvidia, it didn't matter if the tipsters received benefits as a result of their tips. The appeals court wholeheartedly disagreed.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">The new interpretation of what constitutes insider trading effectively says, a prosecutor must prove that the "tip-ee" knew that the "tipster" committed a breach of their fiduciary duty in disclosing inside information, and that the "tip-ee" knew that the "tipster" would gain a tangible reward of "some consequence."</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Only one of the tipsters in the case received any gain. And that was merely "career advice." As such, the appeals court determined that there was no gain of any consequence, and further, that the traders didn't get the information first-hand.</span></div>
<h3 style="border: 0px; font-weight: normal; margin: 8px 0px 15px; padding: 0px; vertical-align: baseline;">
<span style="font-size: small;"><span style="background-color: rgba(255, 255, 255, 0);">Experts Despair of Ever Fixing the Problem</span></span></h3>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
</div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">I spoke to New York securities attorney Bill Singer – editor of the widely followed<span style="border: 0px; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;"><em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">BrokeandBroker.com</em></span> site, who was formerly on the regulatory side of securities lawyering but now represents broker-dealers, brokers, traders, and their customers – for his reaction to the decision.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">"This is one of those rare cases that is actually historic," Singer said. "The appeals court decision largely eviscerates any further or future prosecution of similar cases."</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">The bar for the burden of proof has been raised Singer told me. "Now there are two hurdles," he explained. "It has to be proved beyond a reasonable doubt that the tipper knew he was breeching his fiduciary duty and would benefit, meaning probably receive compensation, <em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">and</em>it must be proved beyond that elusive reasonable doubt, that the tip-ee knew the tipster was breeching his duty <em style="border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;">and</em> knew that the tipster would benefit through some tangible reward. All that, beyond a reasonable doubt."</span></div>
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<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">So, if the bar to prove insider trading has been raised, I asked the securities expert, is there an easier way under it now?</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">"Here's my cynical response," Singer replied, "This provides a roadmap to tipsters and tip-ees on how to distance themselves from bumping into the existing statutes."</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">He's not alone in recognizing the fuzzy legal ramifications of many of the statutes governing Wall Street.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">Judge Barrington D. Parker, writing the appeals court decision on behalf of the panel that included Judge Ralph K. Winter Jr. and Judge Peter W. Hall, said, "Although the government might like the law to be different, nothing in the law requires a symmetry of information in the nation's securities markets."</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<span style="background-color: rgba(255, 255, 255, 0);">As if there wasn't enough asymmetry already dividing the haves from the have-nots, there's now a higher bar for fleet-footed, "in-the-know" traders to waltz right under.</span></div>
<div style="border: 0px; margin-bottom: 12px; padding: 0px; vertical-align: baseline;">
<a class="scroll-to-comments" href="http://moneymorning.com/2014/12/15/a-u-s-court-practically-declared-insider-trading-legal/?utm_source=mmdaily&utm_medium=email#respond" style="border: 0px; display: block; margin: 15px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="color: black;"><span style="background-color: rgba(255, 255, 255, 0);">Join the conversation. Click here to jump to comments…</span></span></a></div>
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<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-90214900522612289732013-07-14T11:13:00.001-05:002013-07-14T11:13:46.106-05:00<br />
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<span style="font-family: Times New Roman;"><b><span style="font-size: large;">The 545 People Responsible For All Of U.S. Woes</span></b><br /><br /><b>BY Charley Reese<br /><br />(Date of publication unknown)-- -- - P</b>oliticians are the only people in the world who create problems and then campaign against them.<br /><br />Have you ever wondered why, if both the Democrats and the Republicans are against deficits, we have deficits? Have you ever wondered why, if all the politicians are against inflation and high taxes, we have inflation and high taxes?<br /><br />You and I don't propose a federal budget. The president does. You and I don't have the Constitutional authority to vote on appropriations. The House of Representatives does. You and I don't write the tax code. Congress does. You and I don't set fiscal policy. Congress does. You and I don't control monetary policy. The Federal Reserve Bank does.<br /><br />One hundred senators, 435 congressmen, one president and nine Supreme Court justices - 545 human beings out of the 235 million - are directly, legally, morally and individually responsible for the domestic problems that plague this country.<br /><br />I excluded the members of the Federal Reserve Board because that problem was created by the Congress. In 1913, Congress delegated its Constitutional duty to provide a sound currency to a federally chartered but private central bank.<br /><br />I excluded all but the special interests and lobbyists for a sound reason. They have no legal authority. They have no ability to coerce a senator, a congressman or a president to do one cotton-picking thing. I don't care if they offer a politician $1 million dollars in cash. The politician has the power to accept or reject it.<br /><br />No matter what the lobbyist promises, it is the legislation's responsibility to determine how he votes.<br /><br />A CONFIDENCE CONSPIRACY<br /><br />Don't you see how the con game that is played on the people by the politicians? Those 545 human beings spend much of their energy convincing you that what they did is not their fault. They cooperate in this common con regardless of party.<br /><br />What separates a politician from a normal human being is an excessive amount of gall. No normal human being would have the gall of Tip O'Neill, who stood up and criticized Ronald Reagan for creating deficits.<br /><br />The president can only propose a budget. He cannot force the Congress to accept it. The Constitution, which is the supreme law of the land, gives sole responsibility to the House of Representatives for originating appropriations and taxes.<br /><br />O'neill is the speaker of the House. He is the leader of the majority party. He and his fellow Democrats, not the president, can approve any budget they want. If the president vetos it, they can pass it over his veto.<br /><br />REPLACE SCOUNDRELS<br /><br />It seems inconceivable to me that a nation of 235 million cannot replace 545 people who stand convicted -- by present facts - of incompetence and irresponsibility.<br /><br />I can't think of a single domestic problem, from an unfair tax code to defense overruns, that is not traceable directly to those 545 people.<br /><br />When you fully grasp the plain truth that 545 people exercise power of the federal government, then it must follow that what exists is what they want to exist.<br /><br />If the tax code is unfair, it's because they want it unfair. If the budget is in the red, it's because they want it in the red. If the Marines are in Lebanon, it's because they want them in Lebanon.<br /><br />There are no insoluble government problems. Do not let these 545 people shift the blame to bureaucrats, whom they hire and whose jobs they can abolish; to lobbyists, whose gifts and advice they can reject; to regulators, to whom they give the power to regulate and from whom they can take it.<br /><br />Above all, do not let them con you into the belief that there exist disembodied mystical forces like "the economy," "inflation" or "politics" that prevent them from doing what they take an oath to do.<br /><br />Those 545 people and they alone are responsible. They and they alone have the power. They and they alone should be held accountable by the people who are their bosses - provided they have the gumption to manage their own employees.<br /><br /><i>This article was first published by the Orlando Sentinel Star newspaper</i></span><br />
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<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-53206255781147743282013-06-30T01:07:00.000-05:002013-06-30T01:07:04.713-05:00<span style="background-color: white; color: #37404e; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;">we need to occupy the occupiers, If one of them goes out to protest a company, two of us needs to go there and talk back. Let the socialists know we are not going to let them push us out of the way. Join meet up groups, tea party groups, start spreading the info around so others of like mind can come help too. we have to be as energized as they are even if our party is failing.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4gxggmCP7kBRouTaWh34e4OrkxidDd84eSUC9FdwcOzG3i09vBGXMGAspxKfB5Pv0irCBy0wBeQLrUdfv16U3YIrELMrTl7AMWJWJHmyAzHgIwBH1TpjScqhSNgAhOWrSsXxLccJs0szB/s800/1364287959-antigay-marriage-protests-continue-in-paris_1906494.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4gxggmCP7kBRouTaWh34e4OrkxidDd84eSUC9FdwcOzG3i09vBGXMGAspxKfB5Pv0irCBy0wBeQLrUdfv16U3YIrELMrTl7AMWJWJHmyAzHgIwBH1TpjScqhSNgAhOWrSsXxLccJs0szB/s320/1364287959-antigay-marriage-protests-continue-in-paris_1906494.jpg" width="320" /></a></div>
<span style="background-color: white; color: #37404e; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;"><br /></span><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-28088311280741128302013-06-16T00:11:00.000-05:002013-06-16T00:11:05.435-05:00<b><span style="background-color: white; color: #37404e; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;">Anyone daring to expose themselves as being among those who have seen the Truth about the IRS’s and DOJ’s lies and myths about the income tax law is in jeopardy of harsh reprisals despite the law to the contrary. Thus it is not recommended that you confront them. These tax enforcement agencies are “armed and dangerous” and they will do you harm.</span><br style="background-color: white; color: #37404e; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;" /><span style="background-color: white; color: #37404e; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;">It is recommended that you do the same thing that yo</span><span class="text_exposed_show" style="background-color: white; color: #37404e; display: inline; font-family: 'Prosto One', 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 13.63636302947998px; line-height: 17.99715805053711px;">u would if you were to recognize a band of armed and dangerous fugitives. You would not attempt a citizen’s arrest in that case but you would report your sighting to the authorities, wouldn’t you? Since reporting the government’s illegal activities to the government would be tantamount to informing one of the armed and dangerous fugitives that you have recognized them, that would be imprudent at best, and more likely be a disastrous mistake. The authorities in this case must be those who have authority over the government . . . We the People of America. The owners and masters of the government must be informed of their government's misconduct. Instead of confronting the gang of outlaws, tell your family, your neighbors, your friends, your co-workers and associates. Tell it to the People and call upon them to bring the force of the law down on the government.</span></b><br />
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<a href="http://privateaudio.homestead.com/The_real_truth_about_the_IRS.pdf">http://privateaudio.homestead.com/The_real_truth_about_the_IRS.pdf</a><br />
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<br /><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-17436435519663355862013-05-26T22:27:00.000-05:002013-05-26T22:28:48.202-05:00Tesla $52 per share could reach $1000 per share, but can Tesla stay proud while profits from emission credits take over.<span style="background-color: white; color: #222222; font-family: arial; font-size: x-small;">Companies like tesla motors could make huge profits before they will ever profit from their core business as they sell emission credits and help destroy cheap energy and global power markets as the united nations is also seeking entry into the US energy markets. A tax we are all paying for.</span><br />
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<a href="http://www.insidermonkey.com/blog/is-this-the-real-source-of-tesla-motors-inc-tslas-profits-136915/2/" style="color: #1155cc;">http://www.insidermonkey.com/blog/is-this-the-real-source-of-tesla-motors-inc-tslas-profits-136915/2/</a></div>
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<a href="http://www.reuters.com/article/2013/05/09/autos-tesla-idUSL2N0DP2ZF20130509" style="color: #1155cc;">http://www.reuters.com/article/2013/05/09/autos-tesla-idUSL2N0DP2ZF20130509</a></div>
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<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-87976837054271628382013-05-26T22:22:00.000-05:002013-05-26T22:22:19.467-05:00Digital currency exchanger<br />
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<span dir="auto">Digital currency exchanger</span></h1>
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From Wikipedia, the free encyclopedia</div>
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<a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#mw-head" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"></a><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#p-search" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"></a></div>
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<b>Digital currency exchangers</b> (<b>DCE</b>s, <b>independent exchange providers</b> or <b>e-currency exchangers</b>) are <a href="http://en.wikipedia.org/wiki/Market_maker" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Market maker">market makers</a> which exchange <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Fiat_currency" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Fiat currency">fiat currency</a> for <a href="http://en.wikipedia.org/wiki/Electronic_money" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Electronic money">electronic money</a>, such as <a href="http://en.wikipedia.org/wiki/Digital_gold_currency" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Digital gold currency">digital gold currency</a> (DGC), and/or convert one type of digital currency (DC) into another, such as Liberty Reserve into <a href="http://en.wikipedia.org/wiki/Pecunix" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Pecunix">pecunix</a>. Exchangers apply either a commission or <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Bid/offer_spread" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Bid/offer spread">bid/offer spread</a> to transactions.</div>
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Some digital gold currency accounts, such as <a href="http://en.wikipedia.org/wiki/E-gold" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="E-gold">e-gold</a>, do not provide an in-house service to purchase their <a href="http://en.wikipedia.org/wiki/Private_currency" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Private currency">private currency</a> so it is necessary to use a third-party <i>digital currency exchanger</i>. According to e-gold's website the reason they do not provide an in-house exchange service is so there can be no debt or contingent liabilities associated with the business, making e-gold Ltd. absolutely free of any financial risk. They claim e-gold Ltd. does not possess currency of any nation or even have a bank account.</div>
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Contents</h2>
<span class="toctoggle" style="-webkit-user-select: none; font-size: 11px;"> [<a class="internal" href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#" id="togglelink" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;">hide</a>] </span></div>
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<li class="toclevel-1 tocsection-1" style="margin-bottom: 0.1em;"><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#Risks" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"><span class="tocnumber">1</span> <span class="toctext">Risks</span></a></li>
<li class="toclevel-1 tocsection-2" style="margin-bottom: 0.1em;"><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#Exchangers" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"><span class="tocnumber">2</span> <span class="toctext">Exchangers</span></a></li>
<li class="toclevel-1 tocsection-3" style="margin-bottom: 0.1em;"><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#Regulatory_issues" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"><span class="tocnumber">3</span> <span class="toctext">Regulatory issues</span></a></li>
<li class="toclevel-1 tocsection-4" style="margin-bottom: 0.1em;"><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#See_also" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"><span class="tocnumber">4</span> <span class="toctext">See also</span></a></li>
<li class="toclevel-1 tocsection-5" style="margin-bottom: 0.1em;"><a href="http://en.wikipedia.org/wiki/Digital_currency_exchanger#External_links" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;"><span class="tocnumber">5</span> <span class="toctext">External links</span></a></li>
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<span class="editsection" style="-webkit-user-select: none; float: right; font-size: 13px; margin-left: 5px;">[<a href="http://en.wikipedia.org/w/index.php?title=Digital_currency_exchanger&action=edit&section=1" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Edit section: Risks">edit</a>]</span><span class="mw-headline" id="Risks">Risks</span></h2>
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There are no specific <a href="http://en.wikipedia.org/wiki/Financial_regulation" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Financial regulation">financial regulations</a> governing DCEs, so they operate under self-regulation. However the <a href="http://en.wikipedia.org/wiki/Global_Digital_Currency_Association" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Global Digital Currency Association">Global Digital Currency Association</a> (GDCA), founded in 2002, are a non-profit association of online currency operators, exchangers, merchants and users. On their website they claim their goal is to "further the interests of the industry as a whole and help with fighting fraud and other illegal activities, arbitrate disputes and act as escrow agent when and where required." <a class="external autonumber" href="http://gdcaonline.com/index.html" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[1]</a> GDCA is a privately owned organization and not an association of its members <i>per se</i>. Its views and opinions are highly subjective. It is completely irrelevant whether or not any of the exchange companies are members of GDCA.<sup class="Template-Fact" style="line-height: 1em; white-space: nowrap;">[<i><a href="http://en.wikipedia.org/wiki/Wikipedia:Citation_needed" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources from May 2010">citation needed</span></a></i>]</sup></div>
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It is possible for clients to purchase DGC by <a href="http://en.wikipedia.org/wiki/Credit_card" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Credit card">credit card</a>, and therefore receive consumer protection from their credit card company. Various exchangers offer this service, although the exchange fees are typically higher than using a <a href="http://en.wikipedia.org/wiki/Wire_transfer" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Wire transfer">wire transfer</a>. <a class="external autonumber" href="http://www.goldex.net/?fuseaction=content.showfees&id=1&name=e-gold" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[2]</a></div>
<h2 style="background-image: none; border-bottom-color: rgb(170, 170, 170); border-bottom-style: solid; border-bottom-width: 1px; font-size: 19px; font-weight: normal; margin: 0px 0px 0.6em; overflow: hidden; padding-bottom: 0.17em; padding-top: 0.5em;">
<span class="editsection" style="-webkit-user-select: none; float: right; font-size: 13px; margin-left: 5px;">[<a href="http://en.wikipedia.org/w/index.php?title=Digital_currency_exchanger&action=edit&section=2" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Edit section: Exchangers">edit</a>]</span><span class="mw-headline" id="Exchangers">Exchangers</span></h2>
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-top: 0.4em;">
Comparison of <b>Digital Currency Exchangers (DCEs) as of 18 April 2010:</b></div>
<table class="wikitable sortable jquery-tablesorter" style="background-color: #f9f9f9; border-collapse: collapse; border: 1px solid rgb(170, 170, 170); color: black; font-size: 12px; margin: 1em 1em 1em 0px; text-align: center;"><thead>
<tr><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Digital Currency Exchanger</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Year<br />
founded</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending"><a href="http://en.wikipedia.org/wiki/Global_Digital_Currency_Association" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Global Digital Currency Association">GDCA</a><br />
member</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Telephone</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Telefax</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">email</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending"><a href="http://en.wikipedia.org/wiki/Electronic_money" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Electronic money">Digital<br />currencies</a> (DC) accepted</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending"><a href="http://en.wikipedia.org/wiki/Fiat_money" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Fiat money">Fiat currencies</a> accepted</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Fee buying DC</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Fee selling DC</th><th class="headerSort" style="background-color: #f2f2f2; background-image: url(data:image/gif; background-position: 100% 50%; background-repeat: no-repeat no-repeat; border: 1px solid rgb(170, 170, 170); cursor: pointer; padding: 0.2em 21px 0.2em 0.2em;" title="Sort ascending">Fee exchanging DC to DC</th></tr>
</thead><tbody>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">WMXchange.net</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2009</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">10</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">any</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5-8%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5–8%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0-5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">LinkflyExchange.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2010</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">6</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">any</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–3%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–3%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">wmBroker.eu</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2008</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">11</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">any</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–3%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–3%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">e-forexgold.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2000</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">7</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">any</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2–5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2–7.5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3–7.5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">PlanetWM.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2009</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">7</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–8%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">Money Central Market</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2007</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2.99%-4.99%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">4.99%-6.99%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">CurrEx</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2007</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">SaveChange.ru</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2007</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3%–5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">Euro Gold Sales</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2004</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2.5%–4%%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.9%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">ExchEngine</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2004</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">GoldExchange.eu</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2005</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.9–2.9%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.9%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">ecardone.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2009</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.9–2.9%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">4.0%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">-5%+5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">GoldNow</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1999</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">4</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">9</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">goldtotem</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2005</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">4</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3–5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0.75–1.5%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.5–3%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">IntlExchange.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2005</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">9</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">10</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">citichanger.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2010</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">US$2.00</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">US$2.00</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">US$2.00</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">NetPay</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2001</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"> ?</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">ROBOXchange</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2002</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">14</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">N/A</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">SpeedyExchange</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2003</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /> (answerphone)</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">7</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">8–13%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.5–9%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0.3–4.4%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">Webmoney.co.nz</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2004</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Red X" height="13" src="http://upload.wikimedia.org/wikipedia/en/thumb/b/ba/Red_x.svg/13px-Red_x.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">5–7%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–5%</td></tr>
<tr><th style="background-color: #f2f2f2; border: 1px solid rgb(170, 170, 170); padding: 0.2em;">Wm-center.com</th><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">2005</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"><img alt="Green tick" height="13" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/03/Green_check.svg/13px-Green_check.svg.png" style="border: none; vertical-align: middle;" width="13" /></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;"></td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">11</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">3</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1.5–6%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">1–8%</td><td style="border: 1px solid rgb(170, 170, 170); padding: 0.2em;">0–10%</td></tr>
</tbody><tfoot></tfoot></table>
<h2 style="background-image: none; border-bottom-color: rgb(170, 170, 170); border-bottom-style: solid; border-bottom-width: 1px; font-size: 19px; font-weight: normal; margin: 0px 0px 0.6em; overflow: hidden; padding-bottom: 0.17em; padding-top: 0.5em;">
<span class="editsection" style="-webkit-user-select: none; float: right; font-size: 13px; margin-left: 5px;">[<a href="http://en.wikipedia.org/w/index.php?title=Digital_currency_exchanger&action=edit&section=3" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Edit section: Regulatory issues">edit</a>]</span><span class="mw-headline" id="Regulatory_issues">Regulatory issues</span></h2>
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-top: 0.4em;">
In September 2004 several <a href="http://en.wikipedia.org/wiki/Australia" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Australia">Australian</a> based e-gold currency exchangers voluntarily ceased operation as they did not hold an Australian Financial Services licence (AFSL) <a class="external autonumber" href="http://www.fido.asic.gov.au/fido/fido.nsf/byheadline/04-366+ASIC+acts+to+shut+down+electronic+currency+trading+websites?openDocument" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[3]</a>. Australian based DCEs that elected to close, due to the<a href="http://en.wikipedia.org/wiki/Australian_Securities_and_Investments_Commission" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Australian Securities and Investments Commission">Australian Securities and Investments Commission</a> (ASIC) licencing requirements, included:</div>
<ul style="line-height: 1.5em; list-style-image: url(data:image/png; list-style-type: square; margin: 0.3em 0px 0px 1.6em; padding: 0px;">
<li style="margin-bottom: 0.1em;">goldex.net</li>
<li style="margin-bottom: 0.1em;">sydneygoldsales.com</li>
<li style="margin-bottom: 0.1em;">ozzigold.com</li>
</ul>
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-top: 0.4em;">
In July 2006 <a href="http://en.wikipedia.org/wiki/Gold_Age" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Gold Age">Gold Age</a> was closed down by US government authorities following the arrest of the owners, Arthur Budovsky and Vladimir Kats, on account of not having a New York state "money transmitters" licence.</div>
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-top: 0.4em;">
In April 2007, the US government ordered e-gold administration to lock/block approximately 58 e-gold accounts, owned and used by The Bullion Exchange, AnyGoldNow, <a class="new" href="http://en.wikipedia.org/w/index.php?title=IceGold&action=edit&redlink=1" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #a55858; text-decoration: none;" title="IceGold (page does not exist)">IceGold</a>, GitGold, The Denver Gold Exchange, GoldPouch Express, <a class="mw-redirect" href="http://en.wikipedia.org/wiki/1MDC" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="1MDC">1MDC</a> (a Digital Gold Currency, based on e-gold), and others, and forced G&SR (owner of OmniPay) to liquidate the seized assets <a class="external autonumber" href="http://www.omnipay.com/opa2007.asp" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[4]</a>. In addition, a few weeks later, e-gold themselves were indicted with 4 indictments. However, e-gold are still in business, and are growing at the rate of approximately 95,000 new accounts per month <a class="external autonumber" href="http://www.e-gold.com/stats.html" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[5]</a>. Here is the DoJ release <a class="external autonumber" href="http://www.usdoj.gov/opa/pr/2007/April/07_crm_301.html" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[6]</a> and here is the rebuttal by Douglas Jackson, CEO <a class="external autonumber" href="http://www.e-gold.com/letter3.html" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">[7]</a><sup class="noprint Inline-Template" style="line-height: 1em;"><span style="white-space: nowrap;" title=" since August 2011">[<i><a href="http://en.wikipedia.org/wiki/Wikipedia:Link_rot" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Wikipedia:Link rot">dead link</a></i>]</span></sup>(<a class="external text" href="http://web.archive.org/web/20090604032807/http://www.e-gold.com/letter3.html" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">archive.org copy</a>).</div>
<div style="line-height: 1.5em; margin-bottom: 0.5em; margin-top: 0.4em;">
In July 2008, <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Webmoney" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Webmoney">Webmoney</a> changed its rules, that affected many exchangers. Since that time it became prohibited to exchange <a class="mw-redirect" href="http://en.wikipedia.org/wiki/Webmoney" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="Webmoney">Webmoney</a> to most popular e-currencies like <a class="mw-redirect" href="http://en.wikipedia.org/wiki/E-Gold" style="background-image: none; background-position: initial initial; background-repeat: initial initial; color: #0b0080; text-decoration: none;" title="E-Gold">e-Gold</a>, Liberty Reserve and others:<a class="external free" href="https://newsblog.wmtransfer.com/asp/messages.asp?date=2008-7-23&blogID=6" rel="nofollow" style="background-image: url(data:image/png; background-position: 100% 50%; background-repeat: no-repeat no-repeat; color: #663366; padding-right: 13px; text-decoration: none;">https://newsblog.wmtransfer.com/asp/messages.asp?date=2008-7-23&blogID=6</a></div>
</div>
</div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com1tag:blogger.com,1999:blog-1088837629136902122.post-4763991491493735432013-05-26T22:10:00.001-05:002013-05-26T22:10:48.918-05:00Zen Magnets<object height="385" width="640"><param name="movie" value="http://www.youtube.com/v/wOv0AkphLhE&hl=en_US&fs=1&"></param>
<param name="allowFullScreen" value="true"></param>
<param name="allowscriptaccess" value="always"></param>
<embed src="http://www.youtube.com/v/wOv0AkphLhE&hl=en_US&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-36029045974072947042013-05-26T22:09:00.000-05:002013-05-26T22:09:23.249-05:00U.S. Code on CD-ROM download<img alt="Seal" border="0" height="112" src="http://uscode.house.gov/images/site/Uscode.gif" width="112" /> <br />
<span style="color: navy;"> </span><br />
<h1>
<span style="color: navy;">U.S. Code on CD-ROM download</span></h1>
<br />
These files are ISO images of the U.S. Code on CD-ROM as sold by the Government Printing Office. You will need a CD-ROM burner and CD-ROM burning software to make use of them. Once you burn the CD you then install the program as you would from the purchased CD. Be warned that these files are around 500 MB in size and will take quite a while to download.<br />
<br />
<ul>
<li><a href="http://uscode.house.gov/iso/USC2004.iso">108th Congress, 1st Session</a> (1/19/2004) (2000 Edition and Supplement III)</li>
<li><a href="http://uscode.house.gov/iso/USC2003.iso">107th Congress, 2d Session</a> (1/6/2003) (2000 Edition and Supplement II)</li>
<li><a href="http://uscode.house.gov/iso/USC2002.iso">107th Congress, 1st Session</a> (1/22/2002) (2000 Edition and Supplement I)</li>
<li><a href="http://uscode.house.gov/iso/USC2001.iso">106th Congress, 2d Session</a> (1/2/2001) (2000 Edition)</li>
<li><a href="http://uscode.house.gov/iso/USC2000.iso">106th Congress, 1st Session</a> (1/23/2000) (1994 Edition and Supplement V)</li>
<li><a href="http://uscode.house.gov/iso/USC1999.iso">105th Congress, 2d Session</a> (1/5/1999) (1994 Edition and Supplement IV)</li>
<li><a href="http://uscode.house.gov/iso/USC1998.iso">105th Congress, 1st Session</a> (1/26/1998) (1994 Edition and Supplement III)</li>
<li><a href="http://uscode.house.gov/iso/USC1997.iso">104th Congress, 2d Session</a> (1/6/1997) (1994 Edition and Supplement II)</li>
<li><a href="http://uscode.house.gov/iso/USC1996.iso">104th Congress, 1st Session</a> (1/16/1996) (1994 Edition and Supplement I)</li>
<li><a href="http://uscode.house.gov/iso/USC1995.iso">103d Congress, 2d Session</a> (1/4/1995) (1994 Edition)</li>
<li><a href="http://uscode.house.gov/iso/USC1994.iso">103d Congress, 1st Session</a> (1/24/1994) (1988 Edition and Supplement V)</li>
<li><a href="http://uscode.house.gov/iso/USC1993.iso">102d Congress, 2d Session</a> (1/4/1993) (1988 Edition and Supplement IV)</li>
<li><a href="http://uscode.house.gov/iso/USC1992.iso">102d Congress, 1st Session</a> (1/2/1992) (1988 Edition and Supplement III)</li>
<li><a href="http://uscode.house.gov/iso/USC1991.iso">101st Congress, 2nd Session</a> (1/2/1991) (1988 Edition and Supplement II)</li>
</ul>
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<span style="color: red; font-size: x-large;"><br /></span><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-16641732013423340392013-03-28T18:49:00.002-05:002013-05-26T22:18:43.838-05:00"zombie" properties<br />
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<a href="http://www.reuters.com/article/2013/03/28/us-usa-housing-zombies-idUSBRE92R0YQ20130328" target="_blank">By Barbara Liston</a></div>
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<a href="http://www.reuters.com/article/2013/03/28/us-usa-housing-zombies-idUSBRE92R0YQ20130328" target="_blank"><span class="location" style="font-weight: bold;">ORLANDO, Florida</span> | <span class="timestamp" style="font-size: 11px; margin: 0px;">Thu Mar 28, 2013 4:59pm EDT</span></a></div>
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<span class="focusParagraph" style="background-color: white; font-family: arial, helvetica, sans;">(Reuters) - A national survey found 301,874 "zombie" properties dotting the U.S. landscape in which homeowners in foreclosure have moved out, leaving vacant property susceptible to vandalism and degradation.</span></div>
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Florida tops the list of zombie properties with 90,556 vacant homes in foreclosure, according to a foreclosure inventory released on Thursday by RealtyTrac, a real estate information company in Irvine, California.</div>
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Illinois and California ranked a distant second and third with 31,668 and 28,821 zombie properties respectively on the list.</div>
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The number of homes overall in foreclosure or bank-owned rose by 9 percent to 1.5 million properties nationally in the first quarter of 2013 compared to a year ago, according to RealtyTrac.</div>
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Another 10.9 million homeowners nationwide remain at risk because they owe more than their property is worth, according to company vice president Daren Blomquist.</div>
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RealtyTrac for the first time analyzed data on zombie properties after a Reuters' special report in January examined the special problem of zombie titles, Blomquist said.</div>
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Reuters revealed the plight of people who walked away from their homes not realizing that their names remained on the deed and that they were financially liable for taxes and other bills related to the abandoned property.</div>
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In some cases, homeowners vacated after receiving a notice from the bank of a planned foreclosure sale, only to find out later the bank never followed through.</div>
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Zombie properties can be easy to spot as they deteriorate into neighborhood eyesores and havens for criminal activity.</div>
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While Florida leads in volume of zombie properties, Kentucky, with less than 1,000 zombie properties, leads in percentage, with zombies representing 54 percent of its total foreclosure inventory, Blomquist said.</div>
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Zombies in Washington, Indiana, Nevada and Oregon also constitute 50 percent or more of the properties in foreclosure, according to the report.</div>
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Blomquist said the number of zombie properties could be higher than represented in the RealtyTrac report, which used a conservative methodology.</div>
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In Florida, for example, the company does not count any property that has been in foreclosure longer than the state average of 853 days and for which there has been no significant recent activity. The report also does not take into account cases in which a bank chose not to follow through on a foreclosure judgment, leaving the property in limbo.</div>
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Blomquist said the long average time to complete a foreclosure case in Florida likely contributes to the high number of zombie properties, as people give up hope over time and walk away.</div>
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Blomquist said the findings overall show a housing recovery is under way but not yet deeply rooted.</div>
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"I think the empty foreclosures is less of a long-term threat but it certainly is affecting individual communities and neighborhoods," Blomquist said.</div>
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According to the Reuters special report, municipalities are left to deal with the mess when people move out after receiving a notice of a planned foreclosure sale that the bank then cancels.</div>
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Some spend public funds on securing, cleaning and stabilizing houses that generate no tax revenue. Others let the houses rot.</div>
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Unsuspecting homeowners have had their wages garnished, their credit destroyed and their tax refunds seized. They've opened their mail to find bills for back taxes, graffiti-scrubbing services, demolition crews, trash removal, gutter repair, exterior cleaning and lawn clipping.</div>
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In some cities, people with zombie titles can be sentenced to probation, with the threat of jail if they don't bring their houses into compliance.</div>
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(Editing by Jane Sutton and Chris Reese)</div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-37010944814755961382013-03-26T22:45:00.001-05:002013-05-26T22:19:05.777-05:00The Final Days of the Old Regime<span style="background-color: white;"><br /></span>
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<a href="http://wtptv.blogspot.com/2012/07/httpwwwconstitutionorgjurisfedjur1htm.html" style="text-decoration: none;"><span style="background-color: white; color: black; font-size: small;">http://www.constitution.org/juris/fedjur1.htm</span></a></h3>
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<b style="background-color: white;">1913 -- The Final Days of the Old Regime in the United States</b><br />
<b style="background-color: white;">By Robert Higgs</b><br />
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<a href="http://wtptv.blogspot.com/2012/07/httpwwwconstitutionorgjurisfedjur1htm.html" style="text-decoration: none;"><span style="background-color: white; color: black; font-size: small;">http://www.constitution.org/juris/fedjur1.htm</span></a></h3>
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<b style="background-color: white;">1913 -- The Final Days of the Old Regime in the United States</b><br />
<b style="background-color: white;">By Robert Higgs</b><br />
<b style="background-color: white;">Tuesday March 26, 2013</b><br />
<span style="background-color: white;"><b><br /></b><b>In 1913, exactly a century ago, the United States was a flourishing, economically advanced country. Its real output per capita was the world’s highest. It produced a great abundance of agricultural products and was a leading exporter of cotton, wheat, and many other farm products. Yet it also had the world’s largest industrial sector, producing as much manufactured output as France, Germany, and the United Kingdom combined. It brought forth new technological marvels almost daily, and its cities featured well paved and lighted streets, automobiles, modern sewerage and water-supply systems, central electrical-supply systems, skyscrapers, street cars, subways, and frequent intercity train service. During the preceding fifty years, its real income per capita had grown by about 2 percent per year, on average, and its total real output by about 4 percent per year, on average. All races, classes, and regions participated in this progress. In 1913, the rate of unemployment was 4.3 percent, and the price level was roughly the same as its average during the nineteenth century.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>Yet the United States in 1913 had no federal income tax, no central bank, no social security taxes, no general sales taxes, no Securities and Exchange Commission, no Equal Employment Opportunity Commission, no Department of Health and Human Services, no National Labor Relations Board, no federal this, that, and the other as far as the eye can see. Except for restrictions on Chinese and Japanese immigration, nothing but perfunctory health examinations impeded the free flow of foreigners into the country, and hundreds of thousands arrived each year, mostly from Europe. All governments combined spent an amount equal to about 7 percent of GDP; the federal government’s part amounted to only about 3 percent of GDP. Local governments were the biggest actors in terms of regulations and expenditures. The average American had no regular contact with the federal government aside from the postman and little or none with the state and local governments aside from the school teachers and the public streets. The country was on an official gold standard. Gold and silver coins circulated as normal media of exchange, and gold certificates issued by individual commercial banks, as well as their checking accounts, served the public for making larger transactions.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>Never before had so much prosperity been attained by a comparably large population, and never before had so many people enjoyed such spacious freedom to live their lives and go about their business as they chose in a context where voluntary transactions dominated economic affairs and governments were relatively inconsequential factors in the economy and society. Such was the garden in which the serpents of war would soon whisper in the ears of politicians and government officials, who shortly afterward would blast this auspicious scene to smithereens.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>The Old Regime would then be lost forever, as the war’s pervasive legacies insinuated themselves permanently into economic and political life. Gone forever was a world that, notwithstanding its many defects and crying needs, had been traveling a sure road to improvements and remedies largely within a nurturing spontaneous order. Henceforward, the intrusion of politics and governments into ever more aspects of social and economic life would poison the people’s public affairs and turn them away from creative activity and self-responsibility toward more and more political conflict, suppression of freedom, and plunder of one another.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>http://blog.independent.org/2013/03/26/1913-the-final-days-of-the-old-regime-in-the-united-states/ </b></span></div>
<b style="background-color: white;">Tuesday March 26, 2013</b><br />
<span style="background-color: white;"><b><br /></b><b>In 1913, exactly a century ago, the United States was a flourishing, economically advanced country. Its real output per capita was the world’s highest. It produced a great abundance of agricultural products and was a leading exporter of cotton, wheat, and many other farm products. Yet it also had the world’s largest industrial sector, producing as much manufactured output as France, Germany, and the United Kingdom combined. It brought forth new technological marvels almost daily, and its cities featured well paved and lighted streets, automobiles, modern sewerage and water-supply systems, central electrical-supply systems, skyscrapers, street cars, subways, and frequent intercity train service. During the preceding fifty years, its real income per capita had grown by about 2 percent per year, on average, and its total real output by about 4 percent per year, on average. All races, classes, and regions participated in this progress. In 1913, the rate of unemployment was 4.3 percent, and the price level was roughly the same as its average during the nineteenth century.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>Yet the United States in 1913 had no federal income tax, no central bank, no social security taxes, no general sales taxes, no Securities and Exchange Commission, no Equal Employment Opportunity Commission, no Department of Health and Human Services, no National Labor Relations Board, no federal this, that, and the other as far as the eye can see. Except for restrictions on Chinese and Japanese immigration, nothing but perfunctory health examinations impeded the free flow of foreigners into the country, and hundreds of thousands arrived each year, mostly from Europe. All governments combined spent an amount equal to about 7 percent of GDP; the federal government’s part amounted to only about 3 percent of GDP. Local governments were the biggest actors in terms of regulations and expenditures. The average American had no regular contact with the federal government aside from the postman and little or none with the state and local governments aside from the school teachers and the public streets. The country was on an official gold standard. Gold and silver coins circulated as normal media of exchange, and gold certificates issued by individual commercial banks, as well as their checking accounts, served the public for making larger transactions.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>Never before had so much prosperity been attained by a comparably large population, and never before had so many people enjoyed such spacious freedom to live their lives and go about their business as they chose in a context where voluntary transactions dominated economic affairs and governments were relatively inconsequential factors in the economy and society. Such was the garden in which the serpents of war would soon whisper in the ears of politicians and government officials, who shortly afterward would blast this auspicious scene to smithereens.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>The Old Regime would then be lost forever, as the war’s pervasive legacies insinuated themselves permanently into economic and political life. Gone forever was a world that, notwithstanding its many defects and crying needs, had been traveling a sure road to improvements and remedies largely within a nurturing spontaneous order. Henceforward, the intrusion of politics and governments into ever more aspects of social and economic life would poison the people’s public affairs and turn them away from creative activity and self-responsibility toward more and more political conflict, suppression of freedom, and plunder of one another.</b></span><br />
<span style="background-color: white;"><b><br /></b><b>http://blog.independent.org/2013/03/26/1913-the-final-days-of-the-old-regime-in-the-united-states/ </b></span></div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-42388087753354110772013-03-22T20:18:00.001-05:002013-05-26T22:19:39.663-05:00Psychobabble<br />
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<a href="http://youtu.be/e8UJ9vD3dX4" target="_blank">30 Psychobabble Phrases – Which Do You Hate Most. </a></h1>
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<span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; font-size: large; font-weight: bold; line-height: 1.4em; margin: 0px; padding: 0px;"><span style="line-height: 22.390625px; margin: 0px; padding: 0px;">1.</span><span style="font-weight: normal; line-height: 22.390625px;"> "My pet peeve is the use of OCD in, </span><span style="line-height: 22.390625px; margin: 0px; padding: 0px;">I get really OCD about</span><span style="font-weight: normal; line-height: 22.390625px;"> cleaning my kitchen. What's really offensive about the usage is that it suggests one can spontaneously develop and un-develop a disorder. This is offensive to people who actually live with mental illness daily. Unless it's interfering with your functioning, it's not a disorder."</span></span></h1>
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<span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; font-size: 1.6em; font-weight: bold; line-height: 1.4em; margin: 0px; padding: 0px;">2</span><span style="font-size: large; line-height: 1em;"><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; font-weight: bold; line-height: 1.4em; margin: 0px; padding: 0px;">.</span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; line-height: 1.4em;"> </span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; line-height: 1.4em;">"Using</span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; line-height: 1.4em;"> </span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; font-weight: bold; line-height: 1.4em; margin: 0px; padding: 0px;">fetish</span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; line-height: 1.4em;"> </span><span style="color: #111111; font-family: Calibri, 'Helvetica Neue', Helvetica, Arial, Verdana, sans-serif; line-height: 1.4em;">to mean 'a fascination with' rather than its true meaning (causing sexual arousal)."</span></span></h1>
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<span style="font-size: large; font-weight: bold; margin: 0px; padding: 0px;">Whistler</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">3.</span> "Hands down, my biggest peeve is: <span style="font-weight: bold; margin: 0px; padding: 0px;">reptilian brain</span>. I heard two doctors on Oprah talk endlessly about how past life regression therapy works (!) because it bypasses your 'normal functioning brain' and goes straight for the 'reptilian brain', garnering knowing nods from the studio audience. I nearly chucked a shoe at my TV set."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Allison</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">4.</span> "Every time I hear someone misuse the term <span style="font-weight: bold; margin: 0px; padding: 0px;">acting out</span>, I begin experiencing homicidal ideation. Of course 'acting out' is a psychoanalytic term denoting the enactment of an internal dynamic in the external world. You can't recognize the internal feeling states and so it is necessary to 'act it out.' But even among fully trained, licensed clinical psychologists this term has come to mean 'behaving badly' -- which of course makes it a useless term."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">David Godot</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">5.</span> "Unfortunately, <span style="font-weight: bold; margin: 0px; padding: 0px;">retard</span> has become a word of choice as far as insults go. The words moron, cretin and idiot began as medical terms that got absorbed into common use over time."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Romeo Vitelli</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">6.</span> "I'm not a drug addict, I've been <span style="font-weight: bold; margin: 0px; padding: 0px;">self-medicating</span>."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Ron Frederickson</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">7.</span> "<span style="font-weight: bold; margin: 0px; padding: 0px;">Talk it out</span> or <span style="font-weight: bold; margin: 0px; padding: 0px;">talk it through</span>. I understand why the therapist wants one to endlessly relive the moment, the rape, the abuse, the arguments with mommy, but I fail to see how the constant repetition does much of anything but reinforce it. Repressed feelings, if there is such a thing, don't automatically turn into mental bogeymen. In other places, it's called forgetting."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Troy Sumrall</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">8.</span> "My favorites: He's totally <span style="font-weight: bold; margin: 0px; padding: 0px;">projecting</span>. She's definitely <span style="font-weight: bold; margin: 0px; padding: 0px;">OCD/NPD/some other diagnosis</span>."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Sara</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">9.</span> "<span style="font-weight: bold; margin: 0px; padding: 0px;">I'm stuck at denial</span> (without a paddle, ha ha). A reference to Dr. Elisabeth Kubler-Ross' 'five stages of grief' which are denial, anger, bargaining, depression and, finally, acceptance. Dr. Kubler-Ross never suggested one stage had to be completed before the next and there's little evidence for these stages anyway."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Me</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">10.</span> "Since I am not a native English speaker I didn't come across someone calling me <span style="font-weight: bold; margin: 0px; padding: 0px;">anal</span> until I started to study in England. At first I was shocked, since I didn't immediately understand my friend was not referring to my anus, but to my personality. I don't think many people realize that they are referring to one of the personality traits emerging from the failure to successfully complete one of Freud's developmental stages."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Anon</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">11.</span> "<a href="http://en.wikipedia.org/wiki/Indigo_children" style="color: #990000; margin: 0px; padding: 0px;">Indigo Children</a>. Bah. Humbug."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">the mad LOLscientist</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">12.</span> "Two terms that I think are way over used and misapplied are <span style="font-weight: bold; margin: 0px; padding: 0px;">introvert</span> and<span style="font-weight: bold; margin: 0px; padding: 0px;">extrovert</span>. Contrary to what people seem to believe, you're not one or the other, and the huge lists of attributes that get attached to each term are by no means accurate for everyone."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Stu</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">13.</span> "When people claim they are <span style="font-weight: bold; margin: 0px; padding: 0px;">bipolar</span> when they're really just moody. Saying you're bipolar abdicates all responsibility for the control of your emotions."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">bigstevec</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">14.</span> "<span style="font-weight: bold; margin: 0px; padding: 0px;">Their brains lit up in the scanner</span>. Parts of the brain are said to 'light up' when we remember, lie, do our taxes and, probably, go to the toilet. Surely everyone knows this is just short-hand for increased blood-flow in a certain part of the brain? Do they hell.<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Me</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">15.</span> "In every mental health job I have worked, the real pain in the ass clients are referred to as <span style="font-weight: bold; margin: 0px; padding: 0px;">borderline</span>. Borderline has now ceased to be a disorder; it's psychobabble for 'this client is so annoying and needy I would gladly chew off my own foot to escape'."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Danny</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">16.</span> "What annoys me most is <span style="font-weight: bold; margin: 0px; padding: 0px;">conversational psychoanalysing</span> - when someone you know (outside of a therapeutic context) frequently tells you that you don't really mean what you're saying, that you're in denial about your true feelings or ignoring what is going on at a subconscious level. Particularly annoying is when they then go on to tell you what you're really feeling!"<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Lirone</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">17.</span> "The most irritating one is the word <span style="font-weight: bold; margin: 0px; padding: 0px;">schizophrenia</span> which is wrongly used whenever someone refer to split personalities. I just can't hold myself back from being a <a href="http://www.urbandictionary.com/define.php?term=besserwisser" style="color: #990000; margin: 0px; padding: 0px;">besserwisser</a> and telling them that they have no idea what schizophrenia is."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Violette</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">18.</span> "Being <span style="font-weight: bold; margin: 0px; padding: 0px;">addicted to...anything</span>. If you do something more than twice a week it's an addiction: from sex, to video games to the internet. Are you a marketer with something to promote? Just use the word addiction and watch those headlines flood in."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Me</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">19.</span> "When people describe themselves or others as being <span style="font-weight: bold; margin: 0px; padding: 0px;">Type A</span>, when in fact they're nothing like what Type A is supposed to be. Never mind the ridiculous dichotomy of dividing all human beings into 'having these collection of traits' and 'not having these collection of traits'."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Ruaidhri</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">20-22.</span> "One of the richest sources of psychobabble is educational psychology, particularly in the area of giftedness. So we have <span style="font-weight: bold; margin: 0px; padding: 0px;">every child is gifted</span>. My favorite is the reduction of Dabrowski's <span style="font-weight: bold; margin: 0px; padding: 0px;">overexcitabilities</span> (in themselves a bit dubious) to OEs, as in 'I know I'm gifted because I'm an OE.' And we mustn't forget Gardner's 'intelligences,' which fertilized the ground for the creation of <span style="font-weight: bold; margin: 0px; padding: 0px;">emotional intelligence</span>."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Catana</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">23.</span> "One of my most hated expressions is <span style="font-weight: bold; margin: 0px; padding: 0px;">retail therapy</span>."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Gary Brandon</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">24.</span> "People don't talk about their emotions anymore, they <span style="font-weight: bold; margin: 0px; padding: 0px;">vent</span>. Contrary to the psychobabble, though, people are not like steam engines."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Me</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">25-26.</span> "Here are two glorious examples of psychobabble from the world of business... <span style="font-weight: bold; margin: 0px; padding: 0px;">socialize</span>, as in, 'let's socialize that idea around the group and get some feedback' (translation: let's let people know what our idea is and see if they like it), and <span style="font-weight: bold; margin: 0px; padding: 0px;">institutionalize</span>, as in, 'once we've socialized our strategy and have gotten buy-in from our sponsors, let's make sure it gets institutionalized throughout the organization'."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Anon</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">27-28.</span> "After a traumatic event (say, the VA Tech shootings) 'grief counselors' parachute in to help the survivors/witnesses <span style="font-weight: bold; margin: 0px; padding: 0px;">get closure</span> and <span style="font-weight: bold; margin: 0px; padding: 0px;">move on</span>. My father died over 20 years ago; I still don't have 'closure', though I stopped grieving after what apparently was an appropriate interval. His absence is an ongoing part of my life that I don't think will 'close'."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">Gregory Luce</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">29.</span> "When people <span style="font-weight: bold; margin: 0px; padding: 0px;">confuse psychologists with psychiatrists</span>. The general public seems to have a very rudimentary understanding of two very different professions."<br />
<span style="font-weight: bold; margin: 0px; padding: 0px;">kelligirly</span></div>
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<span style="font-weight: bold; margin: 0px; padding: 0px;">30.</span> "<span style="font-weight: bold; margin: 0px; padding: 0px;">Hardwired</span> is surely one of the most abused terms in both science journalism and everyday language. According to even usually quite reliable sources, we're 'hardwired' for money, risky behaviour, religion, feeling others' pain, art, fraud, oh, and liking pink, if you're a girl of course."</div>
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<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-49910565303501016602013-03-11T17:49:00.004-05:002013-05-26T22:20:02.742-05:00THIS U.S. GOVERNMENT SYSTEM IS FOR AUTHORIZED USE ONLY!<br />
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<br /><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-26395216166538970662013-03-07T15:55:00.002-06:002013-03-07T15:55:37.382-06:00there is only one reason why not to care about the income tax and that's because it scares the shit out of you and you feel powerless to do anything about it. If you just don't care for other reasons you really are ignorant and a fool.<br />
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<span class="style20" style="color: #660000; font-family: Arial, Helvetica, sans-serif; font-size: 24px; font-weight: bold;">Why an Income Tax is Not Necessary<br />to Fund the U.S. Government</span></div>
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<span style="font-family: Verdana; font-size: 7.5pt;">Devvy Kidd<br />Originally published and copyrighted in June 2001<br />Updated 01/25/2012</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: medium;">Also available on audio for free; <a href="http://www.devvy.net/audio/14theroad_1_archive.html" style="color: #000066; text-decoration: none;" target="_blank">click here</a>.<br />Download to a CD or IPod and help get the truth to family and friends</span></div>
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Can this statement possibly be true? In order to answer this question, Americans must first understand what is the source of the money that funds the government and where it goes. Contrary to the sound bites issued by the two mainstream political parties, the reality of how the system actually works will not only open your eyes, but hopefully stimulate the American people to demand that the thievery underway come to an end.</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Where do your "income" tax dollars go?</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The best place to look for an answer to this question would be a government report, so let's take just one at random:</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>President's Private Sector Survey On Cost Control<br />A Report to The President (Reagan)</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">January 15, 1984. Available from the Congressional Research Service.<br />The excerpt below can be found on page 12.</span><br />
<ul type="disc">
<li><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"Importantly, any meaningful increases in taxes from personal income would have to come from lower and middle income families, as 90% of all personal taxable income is generated below the taxable income level of $35,000.</span></li>
<li><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Further, there isn't much more that can be extracted from high income brackets. If the<br />Government took 100% of all taxable income beyond the $75,000 tax bracket not already taxed, it would get only $17 billion, and this confiscation, which would destroy productive enterprise, would only be sufficient to run the Government for several days.</span></li>
<li><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Resistance to additional income taxes would be even more widespread if people were aware that:</span></li>
<li><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">With two-thirds of everyone's personal income taxes wasted or not collected, 100% of what is collected is absorbed solely by interest on the Federal Government contributions to transfer payments.</span></li>
<li><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">In other words, all individual income tax revenues are gone before one nickel is spent on the services which taxpayers expect from their government."</span></li>
</ul>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">So what we have is a central bank issuing worthless paper "money" that controls our economy, our lives and our future. This private banking cartel was unconstitutionally granted this power by a devious, scheming group of senators back in 1913. In essence what they did was place the American people into indentured servitude by forcing The People to pay usury on worthless fiat currency (paper money created out of nothing), not to fund the government, but to enrich the bankers and fund wars in which America should never be involved. This system exists not to fund the government, but to allow the U.S. Congress carte blanche power to continue funding unconstitutional agencies and programs by providing them with a bottomless source of worthless ink.</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>The National Debt and the Deficit</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">These two little bookkeeping items are not the same thing. Few Americans actually know the difference, but the difference is quite important. We continually hear members of Congress, president after president, and political pundits call for "reduction in the debt." But what does that really mean? Here's how it works in the most simplified way to fit into this document:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Let's say that for 2002, Congress and the President decide they want $1.7 trillion dollars to fund this bloated pig called our government. We know that 100% of all personal "income" taxes extorted by the IRS goes to the "Federal" Reserve Banking System and does not fund a single function of the government. So, let's take the people's blood and sweat off the table.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What other revenues does the government collect? Corporate taxes, social security taxes, constitutional revenues such as excise taxes on cigarettes, alcohol, tobacco, firearms, tires, etc., tariffs on trade, military hardware sales, and some minor categories. Let's say that those revenues will total $900 billion dollars. The politicians want $1.7 trillion to spend on their favorite welfare programs, wars and foreign welfare, but have a short fall of $800 billion dollars. This is called the deficit and the deficit, created by the spending of Congress, creates the "national debt."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">How? Because the politicians are $800 billion dollars short, they simply call up Al Greenspan and borrow your children's and grand babies' futures. The "Federal" Reserve Banks don't loan anything of value to Congress. They aren't banks; they're really an overpaid, powerful, private accounting service. When that $800 billion dollars worth of ink is transferred to the Treasury, it gets piled on top of the existing "national debt."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">This is how the magical money machine works. Congress overspends. It borrows from this accounting firm called the "Fed" and then turns around and tells you to pay for these crimes against the people. In other words, Congress basically pays the bills with social security and borrowed ink from the "Fed." Pretty slick scam, wouldn't you say?</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The people of America are also responsible to a large degree for this out-of-control spending. Americans have been bred to a welfare dependent mentality. Special interest groups who have no interest in the U.S. Constitution, demand that billions of dollars be spent on their pet interests. Billions upon billions of dollars have been unconstitutionally thrown to foreign governments, some days our friend, a week later our enemies. They are only our friend as long as the U.S. throws money at their corrupt governments.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Billions of dollars have unconstitutionally been spent on grants to colleges and universities, which in turn sell their research to the highest bidder, paid for by the sweat off the back of the little guy out in America. No, they don't return any back to the little guy who funded these studies and research programs.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">As long as the American people themselves condone continued unconstitutional spending by Congress, the longer they will violate their oath of office, and continue to fund unconstitutional expenditures, placing your children and grand babies in a state of unpayable, massive debt.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Unless The People demand an end to this insanity, our economy eventually will collapse under the weight of this massive, unpayable debt, no matter how much ink the "Fed" transfers into the coffers of the U.S. Treasury. The pain of withdrawal from unlawful government hand-outs will be far less now than it will be down the road.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">America became the greatest, debt free nation on earth by a resourceful, independent, self reliant people. Sadly, today we have a large percentage of our population who can't get through the day without a government memo telling them how, step-by-step, with a redistribution of average, ordinary Americans assets into the hands of the unproductive. A very sad commentary to what made our nation great and prosperous.</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>But I heard the debt is being paid down?</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What you heard and reality are two separate issues altogether. The politicians must continue to fool the American people lest they catch on to this chicanery. Let's have a look at the numbers so you can see that any utterance that the national debt has been paid down X billions of dollars, is nothing more than bombastic gas, passed from one administration to the next and the latest recycled Congress.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">In the chart below, an R next to the amount indicates a Republican President; a D is for a Democrat in the Oval Office. The Democrats had control of Congress from 1954, until the illusion billed as the "Republican Revolution" in 1994. Both houses of Congress were Republican controlled until after the 2000 "election", but this ended when in May 2001 James Jeffords 'fessed up to his real political agenda.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Current Congressionally created debt:</span><br />
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<b><span style="color: black; font-family: Arial, Helvetica, sans-serif; font-size: small;">01/23/2012<br />12/31/2011<br />06/30/2011<br />12/31/2010<br />06/30/2010<br />12/31/2009<br />08/30/2009<br />04/16/2009<br />10/30/2008<br />11/01/2007<br />09/29/2006<br />09/30/2005<br />09/30/2004<br />09/30/2003<br />09/30/2002<br />09/28/2001<br />08/08/2001<br />04/30/2001<br />02/28/2001<br />01/31/2001<br />12/29/2000<br />09/29/2000<br />09/30/1999<br />09/30/1998<br />09/30/1997<br />09/30/1996<br />09/29/1995<br />09/30/1994<br />09/30/1993<br />09/30/1992<br />09/30/1991<br />09/28/1990<br />09/29/1989<br />09/30/1988<br />09/30/1987</span></b></center>
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<b><span style="color: black; font-family: Arial, Helvetica, sans-serif; font-size: small;">$15,236,245,309,869.69 (D)<br />$15,222,940,045,451.09 (D)<br />$14,343,087,640,008.40 (D)<br />$14,025,215,218,708.52 (D)<br />$13,203,473,753,968.10 (D)<br />$12,311,349,677,512.03 (D)<br />$11,909,829,003,511.75 (D)<br />$11,183,899,252,728.00 (D)<br />$10,530,893,033,778.21 (R)<br />$9,080,228,573,291.65 (R)<br />$8,506,973,899,215.23 (R)<br />$7,932,709,661,723.50 (R)<br />$7,379,052,696,330.32 (R)<br />$6,783,231,062,743.62 (R)<br />$6,228,235,965,597.16 (R)<br />$5,807,463,412,200.06 (R)<br />$5,720,324,946,092.23 (R)<br />$5,661,347,798,002.65 (R)<br />$5,735,859,380,573.98 (R)<br />$5,716,070,587,057.36 (R)<br />$5,662,216,013,697.37 (D)<br />$5,674,178,209,886.86 (D)<br />$5,656,270,901,615.43 (D)<br />$5,526,193,008,897.62 (D)<br />$5,413,146,011,397.34 (D)<br />$5,224,810,939,135.73 (D)<br />$4,973,982,900,709.39 (D)<br />$4,692,749,910,013.32 (D)<br />$4,411,488,883,139.38 (D)<br />$4,064,620,655,521.66 (R)<br />$3,665,303,351,697.03 (R)<br />$3,233,313,451,777.25 (R)<br />$2,857,430,960,187.32 (R)<br />$2,602,337,712,041.16 (R)<br />$2,350,276,890,953.00 (R)</span></b></center>
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</tbody></table>
<center>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: x-small;"><b>The statistics above were obtained from the Bureau of The Public Debt's web site:<br /><a href="http://www.treasurydirect.gov/NP/NPGateway" style="color: #000066; text-decoration: none;" target="_blank">http://www.treasurydirect.gov/NP/NPGateway</a></b></span></center>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">As you can see, it doesn't matter which party is in office, there is no surplus and the debt cannot be paid down, it can only grow exponentially as long as Congress and the President have the central bank at their fingertips.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">A "balanced budget" is nothing more than good political rhetoric, but in reality, it's a pipe dream strictly for public consumption. How can you balance your budget if you have no money to spend and are trillions of dollars in the hole? You can't. It's just another well crafted illusion to keep the masses pacified.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">You can fool some of the people some of the time, but the American people have awakened to this monumental theft and are demanding the only real solution that can be implemented: Abolishing the central bank, and a return to a constitutional monetary system with no income tax.</span><br />
<div align="center" style="text-align: center;">
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>No "Fed," no need for a direct tax</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Without the central bank siphoning off the wealth of our nation, there would be no need for a personal income tax.</b></span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">President Andrew Jackson booted out the central bank; his speech can be read here:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://alpha.furman.edu/~benson/docs/ajveto.htm" style="color: #000066; text-decoration: none;" target="_blank">http://alpha.furman.edu/~benson/docs/ajveto.htm</a></span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">This battle fought by Jackson was a huge deal back then and he refused to back down. Jackson was the last honest president with the guts to stand up to the international bankers who are literally stealing US blind.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"The greatest party battle of Jackson's presidency centered around the Second Bank of the United States, a private corporation but virtually a Government-sponsored monopoly. When Jackson appeared hostile toward it, the Bank threw its power against him.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"Clay and Webster, who had acted as attorneys for the Bank, led the fight for its recharter in Congress. "The bank," Jackson told Martin Van Buren, "is trying to kill me, <i>but I will kill it!</i>" Jackson, in vetoing the recharter bill, charged the Bank with undue economic privilege.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"His views won approval from the American electorate; in 1832 he polled more than 56 percent of the popular vote and almost five times as many electoral votes as Clay."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Please note that the words "a private corporation but virtually a Government sponsored monoploy" comes directly from the <a href="http://www.whitehouse.gov/history/presidents/aj7.html" style="color: #000066; text-decoration: none;" target="_blank"><span style="color: windowtext;">White House's web site</span></a>. What a huge admission!</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">On line, you can also read Congressman Louis McFadden's <a href="http://home.hiwaay.net/~becraft/mcfadden.html" style="color: #000066; text-decoration: none;" target="_blank"><span style="color: windowtext;">indictment on the Federal Reserve Corporation</span></a>. It is a very concise explanation of how the international banking cartel has been sacking this country's wealth since 1913.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Don't be fooled by this chant around the country for a flat tax, a consumption tax, sales tax or any other kind of personal income tax. There is absolutely no authority in the U.S. Constitution to implement any of these forms of taxation without apportionment. It is for this reason and this reason alone, that when it became apparent that the 16th Amendment was not going to be ratified by the states, fraud was committed and it was simply "proclaimed" ratified by then Secretary of State Philander Knox.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">We don't need any direct taxation and these popular mantras are just new lies to replace old lies. Any one of these forms of taxation will still feed the cancer: the central bank. Any one of these forms of taxation is just another way to fleece the American people to enrich the pockets of the international banking cartel. Please consider the words of Congressman Ron Paul:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "Strictly speaking, it probably is not necessary for the federal government to tax anyone directly; it could simply print the money it needs. However, that would be too bold a stroke, for it would then be obvious to all what kind of counterfeiting operation the government is running. The present system combining taxation and inflation is akin to watering the milk: too much water and the people catch on."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Please don't fall for these alternative taxing SCHEMES. The banking cartel doesn't care what form it is they fleece your hard earned dollars (flat tax, fair tax, sales tax, etc.) - just as long as they continue to steal from us:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Beware alternative taxing schemes<br /><a href="http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=43242" style="color: #000066; text-decoration: none;" target="_blank">http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=43242</a><br />Make IRS check payable to stockholders of private Fed<br /><a href="http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=43820" style="color: #000066; text-decoration: none;" target="_blank">http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=43820</a><br /><br />Today is April 15 ... again<br /><a href="http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=44036" style="color: #000066; text-decoration: none;" target="_blank">http://www.worldnetdaily.com/news/article.asp?ARTICLE_ID=44036</a></span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What we need to do is take away the magical money machine called the "Fed," which will force Congress to live within its means and fund only those activities specifically enumerated by the supreme law of the land in Art. 1, § 8 of the U.S. Constitution:</span><br />
<blockquote>
<div align="justify">
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States, but all Duties, Imposts and Excises shall be uniform throughout the United States, borrow Money on the credit of the United States, regulate commerce (trade), naturalization, bankruptcy laws, coin money, regulate the value thereof, and of foreign Coin, fix the Standard of Weights and Measures, punishment regarding counterfeiting the Securities and current Coin of the United States, establish Post Offices and post Roads, Promote [Editorial note: "promote" does not mean fund] the Progress of Science and useful Arts, by securing for limited Times to Authors and Inventors the exclusive Right to their respective Writings and Discoveries, constitute Tribunals inferior to the supreme Court, define and punish Piracies and Felonies committed on the high Seas, and Offences against the Law of Nations; declare War, grant Letters of Marque and Reprisal, and make Rules concerning Captures on Land and Water, Raise and support Armies, but no Appropriation of Money to that Use shall be for a longer Term than two Years, provide and maintain a Navy, make Rules for the Government and Regulation of the land and naval Forces; provide for calling forth the Militia to execute the Laws of the Union, suppress Insurrections and repel Invasions, provide for organizing, arming, and disciplining, the Militia, and for governing such Part of them as may be employed in the Service of the United States, reserving to the States respectively, the Appointment of the Officers, and the Authority of training the Militia according to the discipline prescribed by Congress, Exercise exclusive Legislation in all Cases whatsoever, over such District (not exceeding ten miles square) as may, by Cession of particular States, and the Acceptance of Congress, become the Seat of the Government of the United States, and to exercise like Authority over all Places purchased by the Consent of the Legislature of the State in which the Same shall be, for the Erection of Forts, Magazines, Arsenals, dock-Yards, and other needful Buildings, make all Laws which shall be necessary and proper for carrying into Execution the foregoing Powers, and all other Powers vested by this Constitution in the Government of the United States, or in any Department or Officer thereof. **</span></div>
</blockquote>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">There is absolutely no authority for the federal government to legislate in areas of the environment, education, the NEA, the FDA and many others. It may surprise you to find out that agencies such as FDA, DEA and the EPA all derive their jurisdiction from international treaties. When the powers that be wish to circumvent the U.S. Constitution, they do it either through an executive order or international treaties. We strongly encourage you to investigate this issue thoroughly.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Prior to the Federal Department of Education, America had the finest schools in the world. Since this disastrous and unconstitutional grab for power, we can all see that a quadrillion dollars a year will not fix our schools, and they continue to decline faster than the feds or states can shovel money into them. Even if a direct tax were necessary, only by keeping it at its lowest possible percentage would it ever benefit this nation:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><br />"The point now emphasized is that the evil effects of high surtaxes fall not upon the individual whose income is seized and taken, but ultimately almost entirely upon the mass of the people who are thereby deprived of the benefits which would result from the free flow of commercial transactions and the use of the additional capital which would be available for productive enterprise.<br />"Freedom of business transactions essential.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"The revenues to be obtained by the Government from this class of taxes depends upon transactions in trade and commerce which bring about income available for payment of taxes. It is highly desirable, in the interest of the production of revenue, that the volume of business transactions giving rise to gain shall be as great as possible, and to this end it is essential that the natural laws of trade and commerce and the free flow of business shall not be interfered with or prevented.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><br />The excerpt below is from pgs 19-20, <b><i>Annual Report of the Secretary of the Treasury on the State of Finances</i></b> for 1921:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><br />"But the direct effect of these very high taxes is to hinder and prevent business transactions which would otherwise take place. A man may have property which he has held for years and which has greatly increased in value, and he would like to sell it, but if he does a large part of the gain would have to be paid out in taxes. He would rather keep the property than sell it, pay the tax, and invest what is left in something else. At the same time the party desiring to buy this property, if he obtained it, would improve it with buildings.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What is the result? The transaction does not take place, and the community loses the advantage which would come in the stimulation that would arise from the transactions resulting from the buyer's improvement of the property, and it also loses the advantage of the seller's putting his money into some other form of investment, which in turn would give rise to business transactions. The same thing on a much greater scale is true in manufacturing and mercantile lines. Men have built up enterprises to the point where they are highly successful. They would like to take their profit and turn the business over to younger men to carry on.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">These transactions are highly desirable not only for the parties but for the community, yet they are absolutely stopped, because if made the seller would have to pay in one year a tax on a gain which has been the result of perhaps the better part of a lifetime of effort. And in all such cases the Government gets no tax, whereas if the rates were reasonable the transactions would take place and the Government's revenues would benefit accordingly.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The free interchange of property in business transactions is essential to the normal prosperity of the country, and each such transaction has a direct tendency to bring about others of like character with the result of increasing the amount of gain or income available for taxation; but when the tax is so high as to act as a deterrent against usual and desirable business transactions, and the volume of such transactions is thereby lessened, the inevitable result is for the tax to become less and less productive.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">It is for these reasons that, particularly in the higher brackets, a lower tax rate will produce more revenue in the long run than excessive rates. So long as the high rate stands in the way of accomplishing bargains and sales, the Government receives no tax; but at a lower rate the transactions proceed and the Government shares in the profits." (End of excerpt.)</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><br />Today Americans are being fleeced to the tune of approximately 52% of every dollar going for local, state and federal taxes. The day is rapidly approaching when making even $1,000 per hour will not be enough to survive. How much longer are the people of this nation going to put up with this state of affairs? We say enough is enough!</span><br />
<div align="center" style="text-align: center;">
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>A Pioneer on the withholding issue</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Vivien Kellems was a woman before her time who knew the grand theft taking place against the working man's paycheck. [For more information on Ms. Kellems, see:<a href="http://www.vivienkellems.org/" style="color: #000066; text-decoration: none;" target="_blank">http://www.vivienkellems.org/</a>]. The following excerpt from pages 41-46 of her book, Toil, Taxes and Trouble, published in 1952 is legally right on point:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "Since a capitation means a tax of the same amount for every person, this provision makes doubly sure that all federal taxes must be at the same uniform rate for everybody. This limitation that direct taxes be levied by the Federal Government must be in proportion to a census and apportioned among the States in accordance with numbers, is the only provision in the Constitution that is stated twice.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "The only reason that our Constitution required a census to be taken every ten years was to count the people to determine how many Representatives should go to Congress, and how direct taxes should be levied. I wonder how many Americans thought of this in 1950 when those little busybodies came knocking on their doors, asking ten thousand impudent, silly questions which were none of their, or Washington's, business.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "There is absolutely no power granted in the Constitution which enables a top-heavy bureaucracy of empty-headed simpletons, and worse, to invade the privacy of the American people in such a monstrous manner.<br />This census is just a preview of what is really in store for us if they actually take over, which they most certainly will do unless we uproot and vote them out.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "The census was to count the people - that was all. The number of people determined the number of Representatives in Congress and the apportionment of direct taxes among the states.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "For a long time I asked myself, 'Why were Representatives and direct taxes linked together and apportioned among the States in accordance with population?' It was understandable that Representatives should be chosen in accordance with numbers but why should taxes be apportioned the same way? And then one day, out of the blue, it came to me crystal clear. All at once I understood the plan to safeguard the future freedom of the nation, conceived and executed by those scholarly men.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "I read again: 'Representatives and direct taxes shall be included within this Union, according to their respective numbers...' 'No capitation, or other direct tax shall be laid, unless in proportion to the Census of Enumeration hereinbefore directed to be taken.' And in those two sentences our forefathers bound fast the hands of Congress and secured the liberty and freedom of the American people. How? By making it utterly impossible to levy an income tax.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "An income tax is certainly a direct tax, probably the most direct tax of all since it cannot be shifted but must be paid by the person receiving the income. By specifying that direct taxes must be levied in accordance with the number of people, not upon what they produced, as in the days of ancient Egypt, an income tax was simply out of the question. It cannot be levied upon a man but must be levied upon what he receives.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "Our forefathers designed and incorporated in the Constitution a new system of government. It was built upon a revolutionary idea; the conviction that the government belonged to the people and existed only by their consent. Its genius lay in the careful system of checks and balances among the three departments, the Legislative, the Executive, and the Judicial. And it went further and maintained a balance between the powers of the individual States and the Federal Government. In addition it carefully reserved to the States and to the people all rights and powers not specifically delegated, or prohibited to the Federal Government and further stated that because certain rights were enumerated in the Constitution it did not mean that others not mentioned were still not the property of the people.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "However everything in the Constitution was arrived at by compromise. The interests and concerns of the thirteen states varied widely and each delegate was sent to Philadelphia to protect the commerce, industry and agriculture of his particular state. It required months of patient discussion, argument and forbearance to finally produce the finished document, which when completed, comprised a system of government to protect the people in the rights and liberties set down in flaming words in the Declaration of Independence. It is a wonderful document, the best system of government ever devised for human beings, but it could have varied in some respects and still have worked satisfactorily......</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "The supreme achievement of the combined brains of all those men were written into those two sentences and the freedom and liberty of the American people were secured in them. For in those two sentences the right of the free man to own something was made inviolate. This was his distinguishing mark, the only criterion of freedom in all the world, the right of the common man to retain for himself the fruit of his labor.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Now this is how it worked. Every man was given a vote with which he could vote for his Representative. Originally only Representatives were elected, Senators were appointed by the State Legislatures and it's too bad we changed that provision."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><span style="color: red;">(<b>Editorial Note: We didn't. Like the 16th Amendment, the 17th Amendment is a fraud--it was never ratified by the states. Therefore, we have not had a lawfully seated senate since 1913.</b>)</span></span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "That Representative having to stand for election every two years was close to the people and responsive to their wishes. That is why he was given the power to tax; all bills of revenue arise in the House. And that is why he must come home every two years and give an accounting to the people.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "But his power to levy direct taxes was limited by an ironbound restriction: that tax must be apportioned among the States in accordance with the population. Since all taxes were to be at a uniform rate, Congress simply could not penalize one section of the country, or one group of citizens for the unfair advantage of another.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "When Congress levied a tax, everybody had to pay and at the same rate. The amount would vary with the wealth of an area, as it does today with the different values of real estate, but the rate was the same for all and the tax was distributed among the States according to population.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "The men who wrote our Constitution did not found a democracy. They feared the so-called 'Democrats' of their day as much as we fear the Communists today. They did not believe in mob rule, or government by the unintelligent, irresponsible mass. They founded a republic and they made certain that the right to vote should be curbed and controlled by the necessity of paying taxes. Scheming politicians could not take taxes from a helpless minority and buy themselves back into office with the votes of the tax exempt majority. When a Representative voted a tax, he voted to tax everybody because the tax was based upon numbers, not upon dollars.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "This was the most brilliant plan ever conceived for guaranteeing the freedom of a nation. It protected every person in his right to private property, rich and poor alike, and under this protection we built the richest, most powerful nation on earth. We achieved and maintained for the majority of our people a standard of living undreamed of before, the hope and the envy of the whole world.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "And we accomplished something even more important: we developed a vigorous, self-reliant, self- respecting race of people. An American citizen would have been ashamed to ask for a handout from his Government. The Government belonged to him, he did not belong to the government.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"> "And then what happened? We chucked our carefully safeguarded right to own something out the window, and we passed the income tax amendment. Gone was our apportionment among the States in accordance with population, and also gone was our principle of uniformity. Income 'from whatever source derived, without apportionment among the several States, and without regard to any census or enumeration' could be taxed and without limit. And when we passed this income tax amendment the slow, distilled poison of tax slavery dripped into our veins. We sowed the seeds of our national decay which is rapidly coming to maturity before our eyes today. The heritage of freedom so carefully insured for us by our forefathers is gone; it has been taxed away." (End of excerpt.)</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>The "General Welfare" Clause of the Constitution</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The majority of unconstitutional spending is justified by the "general welfare" clause of the constitution. Shawn O'Connor of the Free Enterprise Society summed up this misconception in one of his speeches, paraphrased below:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"Discussion of the general welfare clause of the Constitution by the courts relies upon the Federalist Papers. This term simply means: Taxation was to protect the individuals' life, liberty and ownership of private property. One can go to Art. 1, Sec. 8, Clause 1 of the constitution and read the general welfare clause. Then one can do some history research and see what the Anti-Federalists had to say about this clause:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"That this clause conveys absolute power to the central government. Patrick Henry was very vocal in his opposition to putting this kind of language into the constitution. Madison, however, assured Henry and others that all the general welfare clause represented was a preliminary introduction prior to the enumerating the specific powers the delegates were about to grant to this new federal government and that the general welfare clause granted no new power to the government whatsoever. It was simply an introductory statement.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The Anti-Federalists still weren't satisfied. Hamilton and Madison came back to re-state that if the general welfare clause conveyed absolute power to the government, why would they go on to list the specific powers they were going to grant the government? That wouldn't make any sense at all if they were going to give absolute power to this government. It was finally conceded by all at the convention that the general welfare clause conveyed absolutely no power to the government." [End of comment.]</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The general welfare clause of the constitution has been misused for personal gain by special interest groups to enrich the pockets of the banking cartel, by politicians hoping to "get that vote," and an all out push to turn America into a socialist country, beginning with the "New Deal" implemented by FDR and supported by a weak Congress. Lyndon Johnson took the quest to turn America into a socialist nation to new and grotesque heights.</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>How would you fund the government without any direct taxation?</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The powers that be know it's just a matter of time before the truth reaches enough Americans about the voluntary income tax system. Already trial balloons are being floated to once again fool the people into some form of alternative tax in order to feed the central bank.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">America functioned very well without an income tax throughout the history of this Republic. The answer to the question of funding without a direct tax is found is Article 1, Section 9 of the Constitution since 1787. It provides for Congress to pass a legislative bill for tax money to be paid by each state in proportion to its population.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Proper, constitutional funding will allow large amounts of money to fund a limited form of Republican government. To continue on the path of this massive and unconstitutional spending will bring a final and total collapse of the economy. Make no mistake about it.</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Has your government been truthful?</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Do you know why the "withholding tax" system was put into place? Let me provide you with just one shocking example of how things work behind the scenes:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><br />Declassified (Confidential Committee Print)<br />Withholding Tax Hearing Before A Subcommittee of The Committee on Finance,<br />United States Senate, 77th Congress, Second Session on:<br />Data Relative to Withholding Provisions of the 1942 Revenue Act, August 21 and 22, 1942<br />(Printed for the use of the Committee on Finance)<br />United States Government Printing Office, Washington 1942<br />SUMMARY/Contents Statement of:<br />Friedman, Milton, Division of Tax Research, Treasury Department<br />Hardy, Charles O., of Brookings Institution<br />Jacobstein, Meyer, of Brookings Institution<br />Paul, Randolph E., Treasury Department<br /><br />Overview<br /><br />Because the war effort resulted in increased production and employment, which caused a sudden large influx of money into circulation, the Federal Government and Federal Reserve System had to find a method of "mopping up excess purchasing power" thereby control inflation and obtain immediate funds for the Treasury. Several plans were put forth before the House, Ways & Means Committee and the Senate Committee on Finance to accomplish this purpose.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">The following points were made by the Senators and those testifying before the committee:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">1. The overall purpose was to obtain immediate money for the war effort, to control inflation and to get the income tax on a current basis instead of being one year behind.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">2. To accomplish this goal, it was recognized that a scheme was needed to reach the largest number of people.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">3. That the scheme, regardless of whether it was a "coupon," "stamp" or "withholding of income tax at source," would constitute a "forced loan" to the Federal Government and it would apply to taxpayers and nontaxpayers alike, with exceptions.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">4. Where an individual had money withheld and ultimately no tax liability, the individual would file an income tax return and that income tax return would constitute an automatic claim for refund.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">5. The proposed plan was an emergency war time measure.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Hearing Experts, Beginning Page 99</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Statement of Meyer Jacobstein of Brookings Institution</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"It is obvious that it is necessary to mop up the excess purchasing power of the community, not only because of it's effect on the price situation but because the Treasury needs the money and needs it quickly.*</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Obviously the Treasury can collect from the consumers as the purchases are made and the Treasury has the use of those funds long before it would obtain them by the income-tax method.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Now, there are many ways, of course, of mopping up this surplus purchasing power...Now, there is the withholding tax at the source based on payrolls."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Clark: "Doctor, what this plan is, it is essentially a compulsory savings plan based on sales tax methods, is it not?"</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Jacobstein: "I should say that is a fair description of it, yes. It is the use of a sales tax method without being a tax."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Clark: "So far as the impact on the public is concerned, it is precisely the same as a sales tax, except you give the money back sometimes."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Jacobstein: "That is right. That is a very fair statement, I think. Senator Danaher used the word "self-assessment." If I buy a dollar necktie I pay $1.10 under his plan. A withholding tax is usually withheld at the source. Here you withhold it not at the manufacturer's end but at the retailer's end. You are using the retailer instead of the manufacturer to siphon off several billion dollars, depending on the rate of the assessment of a tax.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">It may be that several systems can be used. Any one of them might be very useful to the Treasury in accomplishing this purpose. But...for siphoning off purchasing power into the Treasury from day to day, or week to week, or month to month; and it has that advantage.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Now, there is an aspect to this question which was not brought out in the original memorandum which would make the scheme perhaps a little more palatable if certain deductions were made by any method, either by the withholding tax method or direct sales tax method or by Senator Danaher's proposal...."</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Statement of Charles O. Hardy of the Brookings Institution</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "First...mainly for the purpose of providing an exemption from the tax or forced loan, either one. Now, as has been stated a moment ago, this is a forced loan. It should be pointed out, I think, that you can do the same thing with the mechanics of any other tax, that is, under the income tax you can give out bonds or coupons redeemable in bonds instead of giving receipts for the income tax. You can do that, as far as I can see, with any tax, for the whole schedule of taxes.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">I would like to say...that we have to bring about a readjustment of consumption in the country to the amount of consumers goods and services that we can spare the resources to produce under war conditions. First, we have got to devote our productive energies to the war.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Or, you can use the mechanism of the sales tax, as far as I can see, by mopping up the increased purchasing power that is created by the rising amount they receive in their paychecks. On the other hand, if the money is stored up, whether it is in the form of these stamps or in the form where people haven't spent it because they have had no way to spend it, in either case if it is too large a proportion you are going to have the problem, whenever you do turn it loose, that you have now in the other case, namely of having a lot more purchasing power than you have goods and services to make it good with.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">That is the answer, I think, to the question that might be raised as to why not carry this principle through and apply it to income tax, corporation tax, and everything else. Obviously, this has the advantage that this definitely sews up the purchasing power in such a way that it cannot be released until we discover the proper way to release it.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">I think it has a great advantage over the deficient spending program. This program just postpones the problem of administration, in deciding how much purchasing power is available to release and to what extent it will create the old wartime inflation over again."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "Let me ask you this question: Considering the withholding tax, simply the treasury withholds it currently and applies the proceeds against the tax due in a given year..."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "The deduction from salaries and interest, and so on, at the source?"</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "Yes."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "Yes."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "That is a currently applied method of withholding so much of the consumer purchasing power as is represented by the tax collected or withheld."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "That is right."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "And the applied as against the tax due."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "Yes. The withholding tax provision has the effect of withholding purchasing power at the time the income is realized rather than a year hence through the income tax structure."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "And if it were in effect for 1 year it would apply only 1 year?"</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "I assume so."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "Yes. Whereas this proposal is a continuing thing."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "It seems to me the essential difference is that the withholding tax plan applies at the point of receipt of income, and this applies at the point of expenditure of income."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "Of course, you withhold not only from taxpayers but nontaxpayers."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Hardy: "Yes. Some people that I talked to about this plan, Federal Reserve people, have been rather favorable to the idea."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Jacobstein: "Don't you want to add that Mr. Selko pointed out that such difficulties as are encountered in the States are, partially at least, overcome when you have a uniform Federal tax? Where you have a uniform tax all over the country by one administration, the Federal Government, it is easier to administer than a sum total of 48 states. Now that was Mr. Selko's conclusion."</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Statement of Milton Friedman, Division of Tax Research, Treasury Department</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "I have only one other thought on that point. In the event of withholding from the owner of stock and no taxes due ultimately, where does he get his refund?"</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Friedman: "You thinking of a corporation or an individual?"</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Senator Danaher: "I am talking about an individual."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Mr. Friedman: "An individual will file an income tax return, and that income tax return will constitute an automatic claim for refund." End of document excerpts.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What bald faced lies. "Mop up purchasing power"? Fleecing Americans dry is a more accurate way to describe this terrible injustice against US. How about letting Americans decide to save the fruits of their labor? No, the government wants it all.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>* Art. 1, Sec. 8 of the U.S. Constitution gives Congress the power to issue money, not the private fed: "To coin money, regulate the value thereof," Cut out the middle man ("Fed") and the Treasury wouldn't "need the money." What a con game.</b></span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">T. Coleman Andrews. Mr. Andrews (a Democrat) was Commissioner for the first 33 months of the Eisenhower Administration, stated the following in an article for U.S. News & Report, May 25, 1956:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">"....We're confiscating property now....That's socialism. It's written into the Communist Manifesto. Maybe we ought to see that every person who gets a tax return receives a copy of the Communist Manifesto with it so he can see what's happening to him."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Beardsley Ruml, Chairman of the Federal Reserve Bank of New York stated in one of his speeches in 1946:<br />"The second principal purpose of federal taxes is to attain more equality of wealth and of income than would result from economic forces working alone. The taxes which are effective for this purpose are the progressive individual income tax, the progressive estate tax, and the gift tax. What these taxes should be depends on public policy with respect to the distribution of wealth and of income.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">It is important, here, to note that the estate and gift taxes have little or no significance, as tax measures, for stabilizing the value of the dollar. Their purpose is the social purpose of preventing what otherwise would be high concentration of wealth and income at a few points, as a result of investment and reinvestment of income not expended in meeting day-to-day consumption requirements. These taxes should be defended and attacked it terms of their effects on the character of American life, not as revenue measures.<br />Taxes on corporation profits have three principal consequences --- all of them bad."</span><br />
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<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><b>Does the average man or woman in America know this?</b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">What do we mean when we say that the IRS is not a government agency? Read this quote<br />from an U.S. attorney submitted in court documents in a tax case up in Idaho:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Betty Richardson, United States Attorney, Box 32, Boise, Idaho 83707. Civil No. 93-405-E-EJL, United States' Answer and Claim re: Diversified Metal Products, Inc., Plaintiff v. T-Bow Company Trust, Internal Revenue Service and Steve Morgan, Defendants, page 4, paragraph #4:<br />"Denies (the U.S. government) that the Internal Revenue Service is an agency of the United States government ..."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">If the IRS is not an agency of the federal government, just what is it? In a nutshell, the income tax is international in scope and not incumbent upon domestic Americans. That is a provable fact. The IRS for more than 80 years has been misapplying the IRCode against unsuspecting Americans and back up their unlawful activities with brute force. This must stop.</span><br />
<div align="center" style="text-align: center;">
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: medium;"><b><span style="color: red;">What can you do?</span></b></span></div>
<span style="font-family: Verdana, Arial, Helvetica, sans-serif;">The federal government must generate revenues to operate what our Founding Fathers created: A limited form of Republican government. State constitutions are all guaranteed a limited form of Republican government. America is not a democracy. We believe America is a nation of laws, not lies. We can't have it both ways for political expediency or to please any and every special interest group that bribes politicians at all levels with the politically correct "PAC money."</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">Sometimes it's difficult to be the messenger of news that people would rather not hear.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">However, Americans can no longer remain in their comfort zones because the message isn't what they want to hear. If your house is on fire, you don't sit and continue to watch the television set, you call the fire department. America: Our house is on fire and it is the obligation of every American to safeguard the liberties and freedoms given to us by those who paid the ultimate price. Please join the growing numbers of millions who are ready to take back our country and stop the assault on our rights.</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;">I realize everyone's time is at a premium, but I encourage you to read these recent columns over a cup coffee. Things are escalating and going to get much worse and Americans are going to get caught off guard:</span><br />
<span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://www.newswithviews.com/Devvy/kidd129.htm" style="color: #000066; text-decoration: none;" target="_blank"><b>http://www.newswithviews.com/Devvy/kidd129.htm</b></a></span><br />
<b><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://www.newswithviews.com/Devvy/kidd131.htm" style="color: #000066; text-decoration: none;" target="_blank">http://www.newswithviews.com/Devvy/kidd131.htm</a></span></b><br />
<b><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://www.newswithviews.com/Craig/roberts8.htm" style="color: #000066; text-decoration: none;" target="_blank">http://www.newswithviews.com/Craig/roberts8.htm</a></span></b><br />
<b><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://www.newswithviews.com/Erica/Carle21.htm" style="color: #000066; text-decoration: none;" target="_blank">http://www.newswithviews.com/Erica/Carle21.htm</a></span></b><br />
<b><span style="font-family: Verdana, Arial, Helvetica, sans-serif; font-size: small;"><a href="http://www.newswithviews.com/Yates/steven.htm" style="color: #000066; text-decoration: none;" target="_blank">http://www.newswithviews.com/Yates/steven.htm</a></span></b></blockquote>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-47489736247174185852013-03-03T23:13:00.000-06:002013-03-03T23:14:41.318-06:00Dark matter is the shock of creation<iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/b_x1vldYgfY" width="420"></iframe><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-74516776876148079512013-03-03T22:39:00.002-06:002013-03-03T22:39:45.598-06:00Rose Kraak & Smaak - Keep Me Home - Rose Spearman Singing <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/uQX54ZOaiDw" width="560"></iframe><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-56774416279323913002013-03-03T22:30:00.000-06:002013-03-03T22:33:47.995-06:00SHAME Rose Spearman 3FM <iframe allowfullscreen="" frameborder="0" height="315" src="http://www.youtube.com/embed/KWY-UFrmgnI" width="420"></iframe><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-90232099396140323912013-01-23T17:32:00.004-06:002013-05-26T22:17:58.370-05:00Why You Want To<br />
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<a class="content_byline" href="http://contributor.yahoo.com/user/1488/phebe_durand.html" style="color: #666666;">Phebe Durand</a>, <a class="affiliation" href="https://contributor.yahoo.com/" style="color: #4e4e4e;">Yahoo! Contributor Network</a><br />
Feb 15, 2007 "Share your voice on Yahoo! websites. <a href="https://contributor.yahoo.com/join/voicesarticlebyline" style="color: #666666;">Start Here</a>."</div>
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Online shopping has opened us to a whole new world of purchasing opportunities ... and a whole new realm of fear. Each time the news reports that yet another company has been "breached" - the banks of information the company stores on its customers lost or stolen - our fears grow larger.<br />
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To make matters worse, most people who have their identity stolen are victims of people they know well - people who stole a social security number or other personal information because they had physical access to it.</div>
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The most damaging type of identity theft is known as "new account" identity theft. This type of fraud occurs when someone steals personal information, like your social security number, and uses it to open a new account in your name. The account might be a credit card, a checking account, or a new apartment - the point is that since it's attached to your name and social security number, the charges go straight to your credit report and damage your reputation.</div>
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When new account theft occurs, it will likely be years before you find out about it. By then, your credit ratings will be a nightmare and your financial reputation ruined.</div>
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The good news is that you have an easy - and very inexpensive - safeguard if you live in one of the following states: California, Colorado, Connecticut, Florida, Illinois, Kentucky, Louisiana, Maine, Minnesota, Nevada, New Jersey, North Carolina, Texas, Vermont, or Washington. If you don't live in one of these states, you're going to want to keep a close eye on Congress as they try to pass laws extending the safeguard nationwide.</div>
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What's the safeguard? <i>Locking your credit reports</i>.</div>
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<b>How Does Locking My Credit Report Help?</b></div>
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When you (or an identity thief) attempt to open a new credit card account, the financial institution you apply to has to check your credit report. They use your credit report to determine how likely you are to pay back the money you borrow, and use this information to decide whether or not they are able to issue you a card.</div>
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If you have a credit lock on your account, the institution will not be able to see your report at all. If they can't see your report, they can't open a new account in your name.</div>
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This applies to anyone that checks credit ratings to issue products or services - including lenders, insurers, cell phone companies, landlords, etc.</div>
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In other words, locking your credit report is like putting your identity in a safety deposit box. Only you have access to the box, the information, and what can be done with it.</div>
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Locking your credit isn't a permanent thing, either. When you need a lender or business to be able to have access to your credit report, you can unlock your report for a specific amount of time. After they have checked your credit, the reports are immediately frozen again. You choose when the reports are locked and unlocked. Total identity theft protection.</div>
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<b>How to Lock Your Credit Reports</b></div>
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First, remember that only a few states currently allow you to freeze your credit. Secondly, in Texas, Vermont, Illinois, and Washington you are only allowed to freeze your credit if you have <i>already</i> fallen victim to identity theft or a security breach.</div>
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If you live in a state that doesn't allow a credit freeze, you can contact each of the three major credit reporting agencies to place a fraud alert on your credit report. Using this, you are supposed to be contacted if someone applies for credit in your name. Creditors aren't required to abide by - or even check - this alert, though.</div>
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To lock down your credit report, you will need to contact each of the three credit reporting agencies (Equifax, Experian, and TransUnion). Most states won't require you to pay a fee if you are the victim of identity theft - but you'll need a report from the police. Depending on the state you live in, each agency will require a different fee for locking or temporarily lifting your credit reports, but none will charge for permanently lifting the freeze if you change your mind later on.</div>
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Here are the details on each credit reporting agency, and what you need to send. You will want to first give the agency a quick call to find out how much the fees are, but they generally don't amount to more than $10 - if they apply to you at all.</div>
<div style="margin-bottom: 15px; padding: 0px;">
<b>Equifax</b><br />
1-800-685-1111<br />
Equifax Security Freeze<br />
P.O. Box 105788<br />
Atlanta, GA 30348</div>
<div style="margin-bottom: 15px; padding: 0px;">
* Send by certified mail.<br />
* Name, current and former address, Social Security number, date of birth<br />
* Pay by check, money order or credit card. Credit card (Visa, Master Card, American Express or Discover only): Give name of card, account number, expiration date<br />
* ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency</div>
<div style="margin-bottom: 15px; padding: 0px;">
<b>Experian</b><br />
1-888-397-3742<br />
Experian Security Freeze<br />
P. O. Box 9554<br />
Allen, TX 75013</div>
<div style="margin-bottom: 15px; padding: 0px;">
* Send by certified mail.<br />
* Full name, with middle initial and Jr./Sr., etc.<br />
* Current address and home addresses for past five years, Social Security number, birth date, two proofs of residence (copy of driver's license, utility bill, insurance statement, bank statement)<br />
* Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.<br />
* ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency</div>
<div style="margin-bottom: 15px; padding: 0px;">
<b>TransUnion</b><br />
1-888-909-8872<br />
Trans Union Security Freeze<br />
P. O. Box 6790<br />
Fullerton, CA 92834-6790</div>
<div style="margin-bottom: 15px; padding: 0px;">
* Send by regular or certified mail.<br />
* First name, middle initial, last name, Jr., etc.<br />
* Current home address and addresses for past five years, Social Security number, birth date<br />
* Pay by check, money order or credit card. Credit card: Give name of card, account number and expiration date.<br />
* ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency</div>
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</div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-48745341090675135932013-01-23T17:32:00.001-06:002013-05-26T22:20:29.062-05:00Fraud and Freezing Your Credit<br />
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Fraud and Freezing Your Credit</h1>
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<a class="content_byline" href="http://contributor.yahoo.com/user/53099/liz_r.html" style="color: #666666;">Liz R</a>, <a class="affiliation" href="https://contributor.yahoo.com/" style="color: #4e4e4e; text-decoration: initial;">Yahoo! Contributor Network</a><br />
Nov 2, 2009 "Share your voice on Yahoo! websites. <a href="https://contributor.yahoo.com/join/voicesarticlebyline" style="color: #666666;">Start Here</a>."</div>
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It all started in 2003. A credit freeze law was first introduced in California but it was not until the year 2007 when the three (3) major credit bureaus- Equifax, Experian and TransUnion- announced that they would allow people to freeze their credit report. Let us first discuss what a credit freeze is and why it is being used by more and more people.<br />
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<b>Credit Report Freeze - What it Means</b></div>
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A credit freeze, which is also called credit report freeze or a credit report lock down, gives an individual the control over his/her credit report. It is done to prevent other people from accessing your credit report unless you give them permission to do so. Lenders, insurers, potential employers, landlords, marketing companies etc. will not be allowed to tap into your credit report while it is on freeze. You can't even access it yourself.</div>
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You can gain access to your credit report again if you are going to make a request for a "thaw" or "unfreeze" from the credit bureau. Credit freeze is often viewed by people as a way to prevent other people especially scammers from accessing data from your credit report.</div>
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The Difference Between Credit Freeze and Fraud Alert</div>
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If someone is trying to open an account using your name, the creditor is then alerted to contact you (as the credit report owner). That is a fraud alert. It is not that reliable because a creditor can either choose to contact you or ignore this alert and continue with opening the account without letting you know. While if it a credit freeze, your credit report is totally not accessible no matter who is trying to access it, not even you. A creditor who wishes to get data regarding your credit report would just receive a message stating that the report has been frozen.</div>
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If you are planning on opening a new account, then you have to request for the freeze to be lifted. A credit freeze gives more protection when it comes to fraudulent acts or identity theft.</div>
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How do you freeze your credit report? With regards to fraud alert, it is simpler because you can just call the credit bureau and request for an alert. On the other hand, freezing a credit report requires more work. Here is how it is done: first</div>
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Freezing and Unfreezing Your Credit Report</div>
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Freezing your credit report. First, you should send a letter of request to the credit bureau. Together with this request are all the requirements for freezing. For instance, you would need to submit at least 2 copies of your proof of identification with your letter. There is also a freezing fee of $10 to $12 (the freezing fee varies depending on the state of residency) every time you make a request for a credit freeze. In some states, victims of identity theft are allowed to waive the freezing fee. They are just required to submit proper documentation such as police report or identity theft report to support their claim.</div>
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Unfreezing your credit report. This process can be done in minutes or up to 3 days or even a week with a fee of another $10 to $12 depending on the credit bureau holding your credit report. Again, you have to send a request to have it done.</div>
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There is also an option of unfreezing your credit report for a limited period of time. This is usually done when the credit report owner is applying for credit. He/She can request the credit bureau to just allow a few people to access your report. You just have to specify the names of these people.</div>
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Some people think that freezing their credit report can be very time-consuming considering the fact that you need to unfreeze it every time you want to access it, but if you would consider the importance of it, which is giving you protection from identity theft, then it's well worth it.</div>
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<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-78086639109114503742013-01-13T14:38:00.003-06:002013-01-13T14:53:40.180-06:00JSTOR announced this week that it would make more than 4.5 million articles publicly available for free.<br />
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<span style="font-size: 10.399999618530273px; line-height: 1.3;">NEW YORK (AP) — The family of a Reddit co-founder who committed suicide weeks before he was to go on trial on federal charges that he stole millions of scholarly articles is blaming prosecutors for his death.</span></div>
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Aaron Swartz hanged himself in his Brooklyn apartment Friday night, his family and authorities said. The 26-year-old had fought to make online content free to the public and as a teenager helped create RSS, a family of Web feed formats used to gather updates from blogs, news headlines, audio and video for users.</div>
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In 2011, he was charged with stealing millions of scientific journals from a computer archive at the Massachusetts Institute of Technology in an attempt to make them freely available.</div>
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He had pleaded not guilty, and his federal trial was to begin next month. If convicted, he faced decades in prison and a fortune in fines.</div>
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In a statement released Saturday, Swartz's family in Chicago expressed not only grief over his death but also bitterness toward federal prosecutors pursuing the case in Massachusetts against him.</div>
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"Aaron's death is not simply a personal tragedy. It is the product of a criminal justice system rife with intimidation and prosecutorial overreach. Decisions made by officials in the Massachusetts U.S. Attorney's office and at MIT contributed to his death," they said.</div>
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Elliot Peters, Swartz's California-based defense attorney and a former federal prosecutor in Manhattan, told The Associated Press on Sunday that the case "was horribly overblown" because Swartz had "the right" to download from JSTOR, a subscription service used by MIT that offers digitized copies of articles from more than 1,000 academic journals.</div>
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Peters said even the company took the stand that the computer crimes section of the U.S. Attorney's office in Boston had overreached in seeking prison time for Swartz and insisting — two days before his suicide — that he plead guilty to all 13 felony counts. Peters said JSTOR's attorney, Mary Jo White — the former top federal prosecutor in Manhattan — had called Stephen Heymann, the lead Boston prosecutor in the case.</div>
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She asked that they not pursue the case," Peters said.</div>
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Heymann did not immediately respond to an email from the AP seeking comment.</div>
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A zealous advocate of public online access, Swartz was extolled Saturday by those who believed as he did. He was "an extraordinary hacker and activist," the Electronic Frontier Foundation, an international nonprofit digital rights group based in California wrote in a tribute on its home page.</div>
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"Playing Mozart's Requiem in honor of a brave and brilliant man," tweeted Carl Malamud, an Internet public domain advocate who believes in free access to legally obtained files.</div>
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Swartz co-founded the social news website Reddit, which was later sold to Conde Nast, as well as the political action group Demand Progress, which campaigns against Internet censorship.</div>
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He apparently struggled at times with depression, writing in a 2007 blog post: "Surely there have been times when you've been sad. Perhaps a loved one has abandoned you or a plan has gone horribly awry. ... You feel worthless. ... depressed mood is like that, only it doesn't come for any reason and it doesn't go for any either."</div>
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Harvard law professor Lawrence Lessig, faculty director for Safra Center for Ethics where Swartz was once a fellow, wrote: "We need a better sense of justice. ... The question this government needs to answer is why it was so necessary that Aaron Swartz be labeled a `felon.'"</div>
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Before the Massachusetts' case, Swartz aided Malamud in his effort to post federal court documents for free online, rather than the few cents per page that the government charges through its electronic archive, PACER. Swartz wrote a program in 2008 to legally download the files using free access via public libraries, according to The New York Times. About 20 percent of all the court papers were made available until the government shut down the library access.</div>
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The FBI investigated but didn't charge Swartz, he wrote on his website.</div>
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Three years later, Swartz was arrested in Boston. The federal government accused Swartz of using MIT's computer network to steal nearly 5 million academic articles from JSTOR.</div>
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Prosecutors said Swartz hacked into MIT's system in November 2010 after breaking into a computer wiring closet on campus. Prosecutors said he intended to distribute the articles on file-sharing websites.</div>
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JSTOR didn't press charges once it reclaimed the articles from Swartz, and some legal experts considered the case unfounded, saying that MIT allows guests access to the articles and Swartz, a fellow at Harvard's Safra Center for Ethics, was a guest.</div>
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Experts puzzled over the arrest and argued that the result of the actions Swartz was accused of was the same as his PACER program: more information publicly available.</div>
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The prosecution "makes no sense," Demand Progress Executive Director David Segal said at the time. "It's like trying to put someone in jail for allegedly checking too many books out of the library."</div>
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Swartz faced 13 felony charges, including breaching site terms and intending to share downloaded files through peer-to-peer networks, computer fraud, wire fraud, obtaining information from a protected computer, and criminal forfeiture.</div>
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JSTOR announced this week that it would make more than 4.5 million articles publicly available for free.</div>
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Swartz's funeral is scheduled for Tuesday in Highland Park, Ill.</div>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-12508845453841385052012-12-24T18:16:00.003-06:002012-12-24T18:17:41.890-06:0010 largest public companies<b>Company name</b><b>Symbol</b><img id="sort_image_MarketCap" src="https://www.google.com/finance/s/nDKCztIaHVI/images/sort_down.gif" style="border: 0px; margin: 0px; padding: 0px;" /> <a class="activelink" href="http://www.blogger.com/blogger.g?blogID=1088837629136902122" style="color: #1155cc; cursor: pointer; font-family: Arial, sans-serif; outline: none;"><b>Market cap</b></a><br />
<a href="https://www.google.com/finance?q=NASDAQ%3AAAPL&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Apple Inc.</a> <a href="https://www.google.com/finance?q=NASDAQ%3AAAPL&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">AAPL</a>489.32B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3AGOOG&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Google Inc</a> <a href="https://www.google.com/finance?q=NASDAQ%3AGOOG&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">GOOG</a>233.14B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3AMSFT&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Microsoft Corporation</a><br />
<a href="https://www.google.com/finance?q=NASDAQ%3AMSFT&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">MSFT</a>227.75B<br />
<a href="https://www.google.com/finance?q=NYSE%3AIBM&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">International Business Machines Corp.</a> <a href="https://www.google.com/finance?q=NYSE%3AIBM&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">IBM</a>217.40B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3AORCL&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Oracle Corporation</a> <a href="https://www.google.com/finance?q=NASDAQ%3AORCL&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">ORCL</a>161.97B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3AQCOM&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">QUALCOMM, Inc.</a> <a href="https://www.google.com/finance?q=NASDAQ%3AQCOM&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">QCOM</a>105.48B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3ACSCO&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Cisco Systems, Inc.</a> <a href="https://www.google.com/finance?q=NASDAQ%3ACSCO&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">CSCO</a>105.28B<br />
<a href="https://www.google.com/finance?q=NASDAQ%3AINTC&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Intel Corporation</a> <a href="https://www.google.com/finance?q=NASDAQ%3AINTC&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">INTC</a>102.70B<br />
<a href="https://www.google.com/finance?q=NYSE%3ASAP&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">SAP AG (ADR)</a> <a href="https://www.google.com/finance?q=NYSE%3ASAP&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">SAP</a>95.51B<br />
<a href="https://www.google.com/finance?q=NYSE%3ASI&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">Siemens AG (ADR)</a> <a href="https://www.google.com/finance?q=NYSE%3ASI&client=fss&ei=J-_YUJCbEcW_qgGjmQE" style="color: #1155cc; font-family: Arial, sans-serif; outline: none; text-decoration: initial;">SI</a>92.77B<br />
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<select class="tpdd" name="num" style="float: right; font-family: inherit; font-size: inherit; margin-right: 20px; margin-top: 2px; width: 60px;"><option style="font-family: inherit; font-size: inherit;" value="10">10</option><option style="font-family: inherit; font-size: inherit;" value="20">20</option><option style="font-family: inherit; font-size: inherit;" value="30">30</option></select><span style="font-size: 0.9em;">Show rows:</span><div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0tag:blogger.com,1999:blog-1088837629136902122.post-38692486050626297302012-12-24T18:14:00.001-06:002012-12-24T18:14:01.457-06:0010 largest private companies<table style="border-collapse: collapse; border-spacing: 0px; border: 0px; clear: both; color: #3c3c3c; font-family: Verdana, Arial, sans-serif; font-size: 14.44444465637207px; line-height: 14.44444465637207px; margin: 0px; outline: 0px; padding: 0px; text-align: left; vertical-align: baseline; width: 800px;"><thead id="listhead" style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><th class="digests lhead active asc" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="background-attachment: scroll; background-image: url(http://i.forbesimg.com/media/assets/rl/icons.png); background-position: 100% -197px; background-repeat: no-repeat no-repeat; border: 0px; color: black; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">Rank</a></th><th class="digests lhead" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="border: 0px; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">Company</a></th><th class="digests lhead" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="border: 0px; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">State</a></th><th class="digests lhead" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="border: 0px; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">Industry</a></th><th class="digests lhead" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="border: 0px; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">Revenue ($ bil)</a></th><th class="digests lhead" style="border: 0px; color: #0f2d5f; font-family: Verdana; font-size: 11px; line-height: 14px; margin: 0px; outline: 0px; padding: 5px 5px 5px 0px; position: relative; vertical-align: top;"><a href="" style="border: 0px; cursor: pointer; margin: 0px; outline: 0px; padding: 0px 12px 0px 0px; vertical-align: baseline;">Employees</a></th></tr>
</thead><tbody id="listbody" style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">1</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/cargill/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Cargill" src="http://i.forbesimg.com/media/lists/companies/cargill_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Cargill</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">MN</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Food, Drink & Tobacco</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">133.90</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">140,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">2</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/koch-industries/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Koch Industries" src="http://i.forbesimg.com/media/lists/companies/koch-industries_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Koch Industries</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">KS</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Multicompany</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">115.00 <sup style="border: 0px; color: #999999; font-size: 12px; margin: 0px 0px 0px 3px; outline: 0px; padding: 0px;">e</sup></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">60,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">3</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/mars/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Mars" src="http://i.forbesimg.com/media/lists/companies/mars_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Mars</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">VA</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Food, Drink & Tobacco</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">33.00 <sup style="border: 0px; color: #999999; font-size: 12px; margin: 0px 0px 0px 3px; outline: 0px; padding: 0px;">e</sup></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">70,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">4</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/bechtel/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Bechtel" src="http://i.forbesimg.com/media/lists/companies/bechtel_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Bechtel</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">CA</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Construction</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">32.90</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">53,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">5</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/pricewaterhousecoopers/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="PricewaterhouseCoopers" src="http://i.forbesimg.com/media/lists/companies/pricewaterhousecoopers_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
PricewaterhouseCoopers</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">NY</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Business Services & Supplies</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">31.50</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">180,529</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">6</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/pilot-flying-j/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Pilot Flying J" src="http://i.forbesimg.com/media/lists/companies/pilot-flying-j_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Pilot Flying J</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">TN</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Convenience Stores & Gas Stations</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">29.23</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">25,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">7</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/publix-super-markets/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Publix Super Markets" src="http://i.forbesimg.com/media/lists/companies/publix-super-markets_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Publix Super Markets</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">FL</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Food Markets</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">26.97</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">152,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">8</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/ernst-young/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Ernst & Young" src="http://i.forbesimg.com/media/lists/companies/ernst-young_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Ernst & Young</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">NY</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Business Services & Supplies</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">24.42</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">167,000</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">9</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/loves-travel-stops-country-stores/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="Love's Travel Stops & Country Stores" src="http://i.forbesimg.com/media/lists/companies/loves-travel-stops-country-stores_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
Love's Travel Stops & Country Stores</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">OK</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Convenience Stores & Gas Stations</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">22.04</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">9,600</td></tr>
<tr style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td class="rank" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; color: #6d6d6d; font-family: Georgia; font-size: 37px; height: 60px; line-height: 0.6em; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 65px;">10</td><td class="company" style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 293px;"><a href="http://www.forbes.com/companies/cs-wholesale-grocers/" style="border: 0px; color: #0f2d5f; margin: 0px; outline: 0px; padding: 0px; text-decoration: initial; vertical-align: baseline;"><img alt="C&S Wholesale Grocers" src="http://i.forbesimg.com/media/lists/companies/cs-wholesale-grocers_50x50.jpg" style="border: 0px; float: left; height: 50px; margin: 0px 10px 0px 0px; outline: 0px; padding: 0px; vertical-align: baseline; width: 50px;" /><h3 style="border: 0px; color: black; font-size: 18px; line-height: 20px; margin: 0px; outline: 0px; padding: 0px; position: relative; top: 13px; vertical-align: baseline;">
C&S Wholesale Grocers</h3>
</a></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">NH</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">Food, Drink & Tobacco</td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">21.70 <sup style="border: 0px; color: #999999; font-size: 12px; margin: 0px 0px 0px 3px; outline: 0px; padding: 0px;">2</sup></td><td style="border-top-color: rgb(237, 237, 237); border-top-style: solid; border-width: 1px 0px 0px; font-family: Georgia; font-size: 13px; height: 60px; line-height: 16px; margin: 0px; outline: 0px; padding: 8px 5px; vertical-align: middle; width: 85px;">12,700</td></tr>
</tbody></table>
<div class="blogger-post-footer">Kosmic Investigations. Public Domain.</div>Bleaphttp://www.blogger.com/profile/05565034455756184311noreply@blogger.com0