Two new carriers are introducing what looks to be the lowes cost wireless systems available, up to 50% or more less than any of the other carriers and internet providers. In a recession as severe as this one, everyone is looking to save money, so this should be a well received new offering from Buzzirk and FDI, both offering similar sounding high speed VOIP based mobile and wireless internet, as first for most of us. This is also a breakthrough New Hack Proof Super High Speed Wireless Mobile and Internet Access Includes Every Application Known and is 4G and 5G ready Devices, far more advanced than the new iPhone 3GS.
Did you know I could tap into your obsolete cell phone in seconds if you text message? I could not believe it until I saw it first hand, so you will never feel safe again knowing your calls can be heard, never mind your conversations and location even when not using cell phone. Watch this Investigative News Report video to see for yourself.
http://www.youtube.com/watch?v=uCyKcoDaofg
Buzzirk Mobile and FDI have just introduced a breakthrough new microwave wireless VOIP mobile and internet technology. Hack proof is only one benefit, but saving money is what most are concerned with in this deep recession we are all trying to survive through. How would you like to thrive in this recession, then check out Buzzirk, we need associates to market this new technology, so check it out and enroll today for only $19.95 to start earning money when this launches to public next month.
http://Low-Cost-Wireless.com
http://LowestCostWireless.com
Saturday, July 4, 2009
Monday, December 8, 2008
CHILD ABDUCTIONS PROTECTION & SAFETY EDUCATION PROGRAM by CHILD-SHIELD-USA.com
Child-Shield-USA.com is in need of more members to support efforts to protect our children from abductions, kidnapping, molestation and death. With the problem growing for past serveral years, with 800,000 reported missing childred last year alone, you can no longer ignore this problem as a parent.
Sadly, most say, it won't happen to me, I am a good parent, attentive, careful, etc. Unfortunately, no one can totally protect your children for you are not able to watch over them 24/7. Often times those you trust your children with are the predators, especially sexual predators. The sooner you realize it is impossible to watch over your childred every minute of every day, the sooner you will join Child-Shield-USA.com
All one has to do is visit the FBI registered sex offender site to learn the truth. With nearly 4,000,000,000 registered sex offenders in the U.S. alone, how many have not been caught yet? Every neigborhood has a hidden danger to your children, and if you were like me, not in my neighborhood, I am in rural area, well I can tell you this, I was shocked, there were several within a five mile radius.
The worst mistake you can make is not being well informed, as well as teaching your children the rules of being safe in all areas, standing on your street corner, shopping mall, school yards, vacation and at friends home, you must learn the basics, and Child-Shield-USA.com has the best recognized child safety program ever developed, and the FREE video will enlighten you to want to act, and become a member and register your children with a national organization which has been trusted name in child abduction educational program since 1990.
For those looking for a passive part time or full time income, then request information on this topic by emailing ChildSafetyBiz@aol.com and put Child-Shield-USA Blog in heading. If you are involved in fundraising for non profit organization, then put Non-Profit in heading. With recession making it near impossible to recruit volunteers, our program actually will reward each volunteer with a FREE Membership. Plus, volunteers will earn an income while promoting their fundraiser, so for the first time, volunteers are paid to solicit for their fundraiser. Think how many volunteers you can attract when offering free memberhip and a part time income for helping your non-profit organization raise much needed funds. With most families now dual income, there is no better time to get involved with Child-Shield-USA.com
Sadly, most say, it won't happen to me, I am a good parent, attentive, careful, etc. Unfortunately, no one can totally protect your children for you are not able to watch over them 24/7. Often times those you trust your children with are the predators, especially sexual predators. The sooner you realize it is impossible to watch over your childred every minute of every day, the sooner you will join Child-Shield-USA.com
All one has to do is visit the FBI registered sex offender site to learn the truth. With nearly 4,000,000,000 registered sex offenders in the U.S. alone, how many have not been caught yet? Every neigborhood has a hidden danger to your children, and if you were like me, not in my neighborhood, I am in rural area, well I can tell you this, I was shocked, there were several within a five mile radius.
The worst mistake you can make is not being well informed, as well as teaching your children the rules of being safe in all areas, standing on your street corner, shopping mall, school yards, vacation and at friends home, you must learn the basics, and Child-Shield-USA.com has the best recognized child safety program ever developed, and the FREE video will enlighten you to want to act, and become a member and register your children with a national organization which has been trusted name in child abduction educational program since 1990.
For those looking for a passive part time or full time income, then request information on this topic by emailing ChildSafetyBiz@aol.com and put Child-Shield-USA Blog in heading. If you are involved in fundraising for non profit organization, then put Non-Profit in heading. With recession making it near impossible to recruit volunteers, our program actually will reward each volunteer with a FREE Membership. Plus, volunteers will earn an income while promoting their fundraiser, so for the first time, volunteers are paid to solicit for their fundraiser. Think how many volunteers you can attract when offering free memberhip and a part time income for helping your non-profit organization raise much needed funds. With most families now dual income, there is no better time to get involved with Child-Shield-USA.com
Thursday, November 27, 2008
INTERNATIONAL PAY IT FORWARD CASH GIFTING EXCHANGE
CASH GIFTING LEGAL REVIEW:
Since the cash gifting arena is exploding, I thought it would be interesting to compare notes and to figure out what are the driving forces behind this exploding activity.
As a lifelong entrepreneur and business owner, I research and evaluate everything, both traditional businesses and online business opportunities. I have seen it all, and analyze most which allows me to stay ahead of marketing and business trends, but cash gifting is a mystery to most.
Given the current recession, I have set out to list and identify the best recession proof businesses as it would be near impossible to start even a home business if you were not careful to avoid those businesses which are most impacted by the down economy.
As example, in a recession, the one thing people do most is stop eating out at restaurants. The next is to switch from name brands to no name brand products, and if you look in the mirror, you too will be able to identify how you have tighted up your budget. Another thing people eliminate is their vacations, or at least they cut back on air travel, and take local vacations, as example. Just look at the low volume on Thanksgiving, usually the most busy day of the year for travel. Simply put, you wouldn't want to be a travel agent in a recession like this.
There are thousands of home businesses which require little investment to start, so it is more important than ever to choose carefully. We are all facing this recession head on, and if you are already in business, then you know what I mean, no one can escape the impact of a deep recession, so here are my top ten recession proof businesses to choose from. I welcome others, so please feel free to share your strategies for not only surviving a recession, but thriving during recession.
Since we all know businesses are feeling the pinch with reduced sales, and since most businesses make the mistake of cutting advertising as a means of saving money, what they are doing is business suicide. You cannot stop advertising, but you can research more cost effective advertising strategies and this is the secret to success in any business. The most cost effective medium is calling your current customers and clients, but this takes time. Not anymore, you can reach thousands of customers in minutes with this new predictive call dealer software system. Not only is this the solution to extract more sales from your existing customers and clients, but also to generate new business prospects and sales. So easy you can set system up in minutes, and you will increase business instantly, and with incentive of referral commissions, software pays for itself, so this is truly a cost effective means to survive, and thrive in any recession. Check it at: www.RecessionProof-Business.com
In addition to using call dialer technology, we also know we need to cut expenses in other areas of business. Traditional advertising is also needed by many businesses, so this too is important to know how to access up to 90% discount on print, TV, radio and direct mail, so joining our business cooperative is essential if you want to survive recessions. Health insurance is another huge expense with all businesses, so joining our XanTrack/Xanpay co-op just makes good sense, and saves money, so check it out at: www.WealthWarranty.com
With smoking bans in the news at casinos, never mind most all public places in the country, and now with new impending cigarette taxes pledged by Obama to cover national health care program, I suspect a pack of cigarettes will be over $10.00 next year. So again, recession proof businesses are what you need to identify. We all know the health issues of smoking tobacco, cancer, heart disease and emphysema to name a few, but cost is on everyones minds in a recession. How many people have switched to no name brands in last year as prices continue to rise? Millions have, so here is a business which not only is health safe alternative, it is far less costly, and with zero second hand smoke, you can smoke when and where you choose as this technology is not banned like tobacco is. Discover this breakthrough new health safe smoking alternative which satisfies like tobacco, but has no carcinogens. For those who want to kick the nicotine addiction habit, InLIFE does both, and imagine getting paid to stop smoking or switching to InLIFE? Check it out at: www.Get-Paid-To-Stop-Smoking.com
As you can see, you have to choose wisely when it comes to starting a new business in a recession. Here is another top ten businesses I recommend. We all know car sales are down to under 11M and the auto industry is near bankruptcy, and with this downturn, people are obviously keeping their vehicles longer than ever in history, now over 9.2 years, and 200M of these used vehicles are out of warranty. Bingo, another great business is selling extended auto warranties. Discount Wholesale Direct Warranties are in big demand, so check it out since it is one of the few free distributoships on market with all the tools to succeed in this huge emerging industry. Register at www.Warranties-For-Less.com
With the recession, we have now seen a rise in kidnapping of childred for ransom, as if the child abduction and molestation threat was not enough to worry about. Combined with higher divorse rates, and abduction over child custody disputes, you will soon learn about a business which is bulletproof in a recession for everyone with children is at risk. One of the most rewarding businesses and financially sound is this nationally recognized is www.Child-Shield-USA.com
In closing out this rather long post, let me throw another amazing means of generating cash flow for your business or personally. This is something I call out of the box, and if I had not tried it, I would not have believed it, but in a recession, this industry is booming. Check out www.International-Cash-Exchange.com for the answer to your financial freedom as it was for mine.
Since the cash gifting arena is exploding, I thought it would be interesting to compare notes and to figure out what are the driving forces behind this exploding activity.
As a lifelong entrepreneur and business owner, I research and evaluate everything, both traditional businesses and online business opportunities. I have seen it all, and analyze most which allows me to stay ahead of marketing and business trends, but cash gifting is a mystery to most.
Given the current recession, I have set out to list and identify the best recession proof businesses as it would be near impossible to start even a home business if you were not careful to avoid those businesses which are most impacted by the down economy.
As example, in a recession, the one thing people do most is stop eating out at restaurants. The next is to switch from name brands to no name brand products, and if you look in the mirror, you too will be able to identify how you have tighted up your budget. Another thing people eliminate is their vacations, or at least they cut back on air travel, and take local vacations, as example. Just look at the low volume on Thanksgiving, usually the most busy day of the year for travel. Simply put, you wouldn't want to be a travel agent in a recession like this.
There are thousands of home businesses which require little investment to start, so it is more important than ever to choose carefully. We are all facing this recession head on, and if you are already in business, then you know what I mean, no one can escape the impact of a deep recession, so here are my top ten recession proof businesses to choose from. I welcome others, so please feel free to share your strategies for not only surviving a recession, but thriving during recession.
Since we all know businesses are feeling the pinch with reduced sales, and since most businesses make the mistake of cutting advertising as a means of saving money, what they are doing is business suicide. You cannot stop advertising, but you can research more cost effective advertising strategies and this is the secret to success in any business. The most cost effective medium is calling your current customers and clients, but this takes time. Not anymore, you can reach thousands of customers in minutes with this new predictive call dealer software system. Not only is this the solution to extract more sales from your existing customers and clients, but also to generate new business prospects and sales. So easy you can set system up in minutes, and you will increase business instantly, and with incentive of referral commissions, software pays for itself, so this is truly a cost effective means to survive, and thrive in any recession. Check it at: www.RecessionProof-Business.com
In addition to using call dialer technology, we also know we need to cut expenses in other areas of business. Traditional advertising is also needed by many businesses, so this too is important to know how to access up to 90% discount on print, TV, radio and direct mail, so joining our business cooperative is essential if you want to survive recessions. Health insurance is another huge expense with all businesses, so joining our XanTrack/Xanpay co-op just makes good sense, and saves money, so check it out at: www.WealthWarranty.com
With smoking bans in the news at casinos, never mind most all public places in the country, and now with new impending cigarette taxes pledged by Obama to cover national health care program, I suspect a pack of cigarettes will be over $10.00 next year. So again, recession proof businesses are what you need to identify. We all know the health issues of smoking tobacco, cancer, heart disease and emphysema to name a few, but cost is on everyones minds in a recession. How many people have switched to no name brands in last year as prices continue to rise? Millions have, so here is a business which not only is health safe alternative, it is far less costly, and with zero second hand smoke, you can smoke when and where you choose as this technology is not banned like tobacco is. Discover this breakthrough new health safe smoking alternative which satisfies like tobacco, but has no carcinogens. For those who want to kick the nicotine addiction habit, InLIFE does both, and imagine getting paid to stop smoking or switching to InLIFE? Check it out at: www.Get-Paid-To-Stop-Smoking.com
As you can see, you have to choose wisely when it comes to starting a new business in a recession. Here is another top ten businesses I recommend. We all know car sales are down to under 11M and the auto industry is near bankruptcy, and with this downturn, people are obviously keeping their vehicles longer than ever in history, now over 9.2 years, and 200M of these used vehicles are out of warranty. Bingo, another great business is selling extended auto warranties. Discount Wholesale Direct Warranties are in big demand, so check it out since it is one of the few free distributoships on market with all the tools to succeed in this huge emerging industry. Register at www.Warranties-For-Less.com
With the recession, we have now seen a rise in kidnapping of childred for ransom, as if the child abduction and molestation threat was not enough to worry about. Combined with higher divorse rates, and abduction over child custody disputes, you will soon learn about a business which is bulletproof in a recession for everyone with children is at risk. One of the most rewarding businesses and financially sound is this nationally recognized is www.Child-Shield-USA.com
In closing out this rather long post, let me throw another amazing means of generating cash flow for your business or personally. This is something I call out of the box, and if I had not tried it, I would not have believed it, but in a recession, this industry is booming. Check out www.International-Cash-Exchange.com for the answer to your financial freedom as it was for mine.
Monday, September 8, 2008
RECESSIONPROOF BUSINESS SALES PROSPECTOR CALL DIALER SOFTWARE
Recessions are a difficult time for all businesses, small home businesses and major corporations, no one can escape the economic pressures of a recession.
RecessionProof-Business.com provides an instant solution to increase your businesses sales with a new autopilot predictive call dialer software program. Imagine if you could call all your existing clients or customers with the touch of a button on your computer. Leave a message on special of the week, or discount, not product line added, etc., the point is, this is a powerful business tool.
For those in home businesses, this is the perfect solution to announce your business to local neighborhood if you are a Tupperware or Avon distributor, as example. All business relies on advertising, but not all traditional advertising works for everyone, so you have to be smart with your advertising dollars. iBuzzPro offers all types of businesses the most cost effective solution of all. Perfect for real estate, auto sales, insurance, service companies, retail outlets, any business you can think of can gain customers with this technology.
How much new business can you handle in one day? It is up to you, set auto dialer to target local consumers or businesses, it is all up to you. Target customers by list category, demographics, industry, home owners, you name it, and iBuzzPro can target it. Free home business lists are included and calls do not need a bank of phone lines, it is all done through the internet. Record your own voice and message, or used free canned messages included. Each connected call is only pennies each, so where else can you reach so many customers for so little with personal message?
http://RecessionProof-Business.com
RecessionProof-Business.com provides an instant solution to increase your businesses sales with a new autopilot predictive call dialer software program. Imagine if you could call all your existing clients or customers with the touch of a button on your computer. Leave a message on special of the week, or discount, not product line added, etc., the point is, this is a powerful business tool.
For those in home businesses, this is the perfect solution to announce your business to local neighborhood if you are a Tupperware or Avon distributor, as example. All business relies on advertising, but not all traditional advertising works for everyone, so you have to be smart with your advertising dollars. iBuzzPro offers all types of businesses the most cost effective solution of all. Perfect for real estate, auto sales, insurance, service companies, retail outlets, any business you can think of can gain customers with this technology.
How much new business can you handle in one day? It is up to you, set auto dialer to target local consumers or businesses, it is all up to you. Target customers by list category, demographics, industry, home owners, you name it, and iBuzzPro can target it. Free home business lists are included and calls do not need a bank of phone lines, it is all done through the internet. Record your own voice and message, or used free canned messages included. Each connected call is only pennies each, so where else can you reach so many customers for so little with personal message?
http://RecessionProof-Business.com
NEW LOW COST FDI & BUZZIRK WIRELESS MOBILE INTERNET BREAKTHROUGH
With new mobile wireless internet technology being released, these are exciting times if you are like me and fed up with your cellular carrier or internet provider. I have tried every carrier and they all stink in my area, as well, my only choice for high speed internet is Time Warner, and the connection is barely faster than my dial up was. Talk about being fed up, I have been waiting for a technological breakthrough and finally it is here.
In my opinion, these new VOIP based mobile and internet carriers are going to dwarf everything else on the market, especially in a recession where everyone is looking to save money. Yes, these new services are much less than I am currently paying, more than 50% less, so this got my attention. With the internet growing faster than ever, existing networks are overloaded and our current internet connections are slower than ever before, and expected to get worse, so imagine an answer to this dilemma and what it will be worth to internet industry.
If you don't see the whole picture yet, then you are not a serious internet user. I run several businesses, and I have limited choice for wireless. No DSL is offered, and with recent broadband service at a cost of $600.00 to run cable to house, the service sucks, barely faster than my old dial up. Time-Warner says there is nothing they can do, I am on the end of cable network was the excuse, along with many users.
Simply put, if you want wireless mobile and high speed internet and the lowest price, you need to register for free to be the first notified when service is available. Combined with the powerful affiliate business opportunity, you cannot lose, but you have to register to get access to all the insiders information on technology and learn more. Please visit the below sites for both companies offering this new service.
www.LowestCostWireless.com
www.Low-Cost-Wireless.com
In my opinion, these new VOIP based mobile and internet carriers are going to dwarf everything else on the market, especially in a recession where everyone is looking to save money. Yes, these new services are much less than I am currently paying, more than 50% less, so this got my attention. With the internet growing faster than ever, existing networks are overloaded and our current internet connections are slower than ever before, and expected to get worse, so imagine an answer to this dilemma and what it will be worth to internet industry.
If you don't see the whole picture yet, then you are not a serious internet user. I run several businesses, and I have limited choice for wireless. No DSL is offered, and with recent broadband service at a cost of $600.00 to run cable to house, the service sucks, barely faster than my old dial up. Time-Warner says there is nothing they can do, I am on the end of cable network was the excuse, along with many users.
Simply put, if you want wireless mobile and high speed internet and the lowest price, you need to register for free to be the first notified when service is available. Combined with the powerful affiliate business opportunity, you cannot lose, but you have to register to get access to all the insiders information on technology and learn more. Please visit the below sites for both companies offering this new service.
www.LowestCostWireless.com
www.Low-Cost-Wireless.com
PONZI SCAMS ARE INCREASING YOUR RISK.... NO THE DIFFERENCE
As the economy and recession make it more and more difficult for
everyone, watch out for the scammers, they are everywhere when
economies take a dip. Here's something worthwhile knowing, which
could save you financial pain later on, so take a few minutes to
educate yourself against these crooks.
Scams, HYIP's, Gambling and Pump & Dump Stock Investments:
Spot the Difference Before You Lose Your Money
The internet is a wonderful source of information - both good
and bad. It's also a playground of profitable possibilities for
would-be and seasoned shysters and scam artists.
Apart from pornography, one of the most prevalent types of
content one can find on the web is in the moneymaking category.
And I guess, like sex, money has universal appeal!
Now, this leads to all sorts of potential problems, especially
when easy money is promised.
Your task, should you choose to accept it, is to learn how to
spot the difference between a legitimate moneymaking proposition
and a scam. And I can tell you it's not automatically that easy.
At least it's not easy if you allow yourself to be mesmerised
by the promise of something for almost nothing.
The starting point in getting to grips with this conundrum is
to realise that greed plays a big part in human nature. Sorry
to be so blunt, but it seems we're wired for it.
You see this played out over and over - whether it's women
battling each other to grab the best garments in a crazy sale,
or crazy people queuing up to get financially fleeced in some
hair-brained pyramid money game.
The motivation is the same. Something for nothing - or almost
nothing. And that desire is fuelled by greed.
If you can accept that you may have a built-in propensity to
seek the easy route, to get your hands on easy money - and
factor that into your decision making - then you will be in a
much better position to more rationally appraise various
moneymaking opportunities.
There are two main generic scams continually circulating on
the internet. One is the "advance fee" scheme, and the other
is the "Ponzi" or pyramid scheme.
The first is epitomised by the "Nigerian Letter" fraud - which
is essentially a promise of big bucks in exchange for some
"help" to retrieve the money. The strategy is to suck you into
the scenario to such an extent that you become emotionally
wedded to it. Then, when you are asked to put up a fee to make
things happen, you are already hooked and part with your cash
without a whimper. Never to be seen again.
The ponzi scam is named after Charles Ponzi who came up with
the novel idea of enticing investors with the promise of very
large returns - and paid them out of new investors' money. In
the end, of course, the last investors lost their money, and
the whole thing was exposed as a complete fraud.
Some ponzi schemes are very crude - like the original chain
letter. You'd think we would have risen above that one - but
it keeps on resurfacing. However, most are now more
sophisticated, often disguising themselves as an
"investment" with unusually high returns.
Over the last few years such ponzis have sharpened their act,
and now present themselves with smart, professional looking
websites - plausible wording and an enticing sales pitch. The
primary hook, apart from the promised returns, is the referral
fee - if you recommend others. In this way, the modern ponzi
can harness the viral marketing power of the internet in ways
impossible in the snailmail age.
Now, I have nothing against people playing money games as
such (it's their money), provided they know the rules of
the game, and understand the old maxim "buyer beware". You
see, I'm very much of the opinion that people should be
allowed to do what they like with their own money - and not
have some bureaucrat tell them what they can or cannot do.
However, when you remove bureaucratic oversight, you have to
take responsibility for your own decisions, and realise what
you are getting into.
If you know the risks, then it becomes like gambling - where
it is clearly understood that there are winners and losers.
And I certainly don't advocate that the state should
criminalise gambling.
However, it does appear that some people can't tell the
difference between gambling (in all its forms), a ponzi,
and an investment. And this fact is often used by the
authorities as an excuse to enact laws to protect people
from themselves.
For example, it's imperative to distinguish between ponzi
schemes and gambling. And it shouldn't be hard.
Gambling involves taking a stake in a money game where there
are clear rules and directives as to who becomes the winner.
Luck is the usual arbiter in gambling - and this is managed
in various ways. It could be lotto, where numbers are drawn
from a barrel; it could be a lottery where one person has the
lucky ticket number; or it could be horse racing or sports,
where you place a bet on the outcome of the race (where "form"
and luck both play a part).
The point is that in gambling, you know there will be winners
and losers, and you know the means by which this will be
determined. You have full disclosure
Not so with a pyramid or ponzi.
If a ponzi is disguised as an investment, then it is likely
to offer high returns (to appeal to greed), and use referral
fees to get people to spread the word.
Now, the explicit message is that everyone who joins up will
make say 10%, 20% or even 100% per month on their money.
However, the truth is that only the early birds will catch
the worm and walk away with the loot. Why? Because the funds
to pay out the promised returns come from the new players.
So, the pertinent question is, do these new players fully
understand they are funding earlier "investors", and so
they realise they could lose their shirt? Probably not.
If a moneymaking scheme states that it is a "game", makes
no guarantees, and openly declares that your money is paying
those before you, then you know the rules before entering -
and cannot cry over spilt milk if you lose your money.
On the other hand, if money is taken using terminology that
indicates a legitimate investment is being offered - which
later turns out to be a ponzi scam - then clearly the
participants have been defrauded, because they were not
told the true facts.
In a situation like this, one should be able to pursue
legal action to reclaim the lost funds - because such money
was taken under false pretences.
However, such a retroactive course of action does not mean
one shouldn't exercise rational judgement before entering
into any form of investment - even more so, if exceptional
returns and referral bonuses are being paid!
This brings up another dilemma. You've all heard the old
maxim: "If it sounds too good to be true, then it probably
is". It's one of those well-worn slogans that is sometimes
more confusing than helpful.
The first problem is to determine "too good to whom?". This
is very subjective, and the answer will vary as much as
people vary.
If I offered you 100% per year - would you consider it "too
good to be true"? Or would you automatically presume I was
presenting you with scam?
Well, I can tell you that such an offer is certainly not
too good to be true (under certain circumstances) - and yet
there are many, many people who would swear black and blue
that it was.
You cannot simply fob off an offer because, in your own
opinion, it offers high returns. You would need to do some
digging to discover whether such returns were possible or
justified. So while the maxim is useful, it is not a cure-all
or catchall strategy for dealing with real life investment
opportunities.
So you have gambling, which clearly discloses the risks
inherent in participating; ponzi/money games, which usually
don't, and are essentially fraudulent offers; and finally
you have real investments.
Of course, putting your money into legitimate investments
does not eliminate the risk of losing your money - it's just
that such a structure is not set up with the purpose of
defrauding you! When you invest your money you should demand
full disclosure as to the inherent risks of the proposition.
However, no investment is 100% safe. Even government bonds
depend finally on the state's ability to forever tax its
citizens - something I personally wouldn't want to bet on!
And this is where we come across yet another old maxim -
"the higher the potential return - the higher the risk".
Once again, this is a useful indicator - but not infallible,
as there are obvious exceptions.
So, to recap: the essential difference between a scam,
gambling and an investment - is that the "rules of the game"
are known in advance, and you participate in the full
knowledge of the risk you are taking.
A ponzi scam deliberately misleads, whereas gambling and
investing offer disclosure as to the risks.
You cannot avoid risk - it is part of life. You will never
find a truly risk-free investment. Even money in the bank,
in most countries, is deemed "unsecured" - and therefore
at risk, should the bank fall over.
So accept risk as part of life, and concentrate on weighing
up the risk - according to your own requirements and your
psychological response to such risks - against the perceived
benefits you may receive.
Some people literally can't sleep at night if they feel
financially exposed. While others are like adventurers,
wading through shark-infested waters, with their eye on
the end prize.
There's no doubt some people get lucky and make money from
gambling, or get in early and make money from ponzis. But
there's no doubt that most people lose money from such
"opportunities".
The challenge for you, is to keep your head on, stay calm,
don't be driven just by the promise of a quick buck, but to
assess the offer in the light of your financial position
(whether you can afford to take a risk or not), and make
a reasoned decision.
Don't be panicked into action - panic is never a good
emotion. The best advice, if being rushed by someone, is
to withdraw and give yourself time to evaluate something
with a cooler head.
Something else will always come along, so don't be fooled
by someone claiming that you will lose out if you don't
say "yes" now!
The world (and the internet in particular) is bursting
with opportunities - and once you have a clear idea of
what you are comfortable with, you will have plenty of
time to participate and profit.
And remember, you alone are responsible for the decisions
you make. Caveat Emptor! "Let the buyer beware".
Brought to you by,
www.RecessionProof-Business.com
everyone, watch out for the scammers, they are everywhere when
economies take a dip. Here's something worthwhile knowing, which
could save you financial pain later on, so take a few minutes to
educate yourself against these crooks.
Scams, HYIP's, Gambling and Pump & Dump Stock Investments:
Spot the Difference Before You Lose Your Money
The internet is a wonderful source of information - both good
and bad. It's also a playground of profitable possibilities for
would-be and seasoned shysters and scam artists.
Apart from pornography, one of the most prevalent types of
content one can find on the web is in the moneymaking category.
And I guess, like sex, money has universal appeal!
Now, this leads to all sorts of potential problems, especially
when easy money is promised.
Your task, should you choose to accept it, is to learn how to
spot the difference between a legitimate moneymaking proposition
and a scam. And I can tell you it's not automatically that easy.
At least it's not easy if you allow yourself to be mesmerised
by the promise of something for almost nothing.
The starting point in getting to grips with this conundrum is
to realise that greed plays a big part in human nature. Sorry
to be so blunt, but it seems we're wired for it.
You see this played out over and over - whether it's women
battling each other to grab the best garments in a crazy sale,
or crazy people queuing up to get financially fleeced in some
hair-brained pyramid money game.
The motivation is the same. Something for nothing - or almost
nothing. And that desire is fuelled by greed.
If you can accept that you may have a built-in propensity to
seek the easy route, to get your hands on easy money - and
factor that into your decision making - then you will be in a
much better position to more rationally appraise various
moneymaking opportunities.
There are two main generic scams continually circulating on
the internet. One is the "advance fee" scheme, and the other
is the "Ponzi" or pyramid scheme.
The first is epitomised by the "Nigerian Letter" fraud - which
is essentially a promise of big bucks in exchange for some
"help" to retrieve the money. The strategy is to suck you into
the scenario to such an extent that you become emotionally
wedded to it. Then, when you are asked to put up a fee to make
things happen, you are already hooked and part with your cash
without a whimper. Never to be seen again.
The ponzi scam is named after Charles Ponzi who came up with
the novel idea of enticing investors with the promise of very
large returns - and paid them out of new investors' money. In
the end, of course, the last investors lost their money, and
the whole thing was exposed as a complete fraud.
Some ponzi schemes are very crude - like the original chain
letter. You'd think we would have risen above that one - but
it keeps on resurfacing. However, most are now more
sophisticated, often disguising themselves as an
"investment" with unusually high returns.
Over the last few years such ponzis have sharpened their act,
and now present themselves with smart, professional looking
websites - plausible wording and an enticing sales pitch. The
primary hook, apart from the promised returns, is the referral
fee - if you recommend others. In this way, the modern ponzi
can harness the viral marketing power of the internet in ways
impossible in the snailmail age.
Now, I have nothing against people playing money games as
such (it's their money), provided they know the rules of
the game, and understand the old maxim "buyer beware". You
see, I'm very much of the opinion that people should be
allowed to do what they like with their own money - and not
have some bureaucrat tell them what they can or cannot do.
However, when you remove bureaucratic oversight, you have to
take responsibility for your own decisions, and realise what
you are getting into.
If you know the risks, then it becomes like gambling - where
it is clearly understood that there are winners and losers.
And I certainly don't advocate that the state should
criminalise gambling.
However, it does appear that some people can't tell the
difference between gambling (in all its forms), a ponzi,
and an investment. And this fact is often used by the
authorities as an excuse to enact laws to protect people
from themselves.
For example, it's imperative to distinguish between ponzi
schemes and gambling. And it shouldn't be hard.
Gambling involves taking a stake in a money game where there
are clear rules and directives as to who becomes the winner.
Luck is the usual arbiter in gambling - and this is managed
in various ways. It could be lotto, where numbers are drawn
from a barrel; it could be a lottery where one person has the
lucky ticket number; or it could be horse racing or sports,
where you place a bet on the outcome of the race (where "form"
and luck both play a part).
The point is that in gambling, you know there will be winners
and losers, and you know the means by which this will be
determined. You have full disclosure
Not so with a pyramid or ponzi.
If a ponzi is disguised as an investment, then it is likely
to offer high returns (to appeal to greed), and use referral
fees to get people to spread the word.
Now, the explicit message is that everyone who joins up will
make say 10%, 20% or even 100% per month on their money.
However, the truth is that only the early birds will catch
the worm and walk away with the loot. Why? Because the funds
to pay out the promised returns come from the new players.
So, the pertinent question is, do these new players fully
understand they are funding earlier "investors", and so
they realise they could lose their shirt? Probably not.
If a moneymaking scheme states that it is a "game", makes
no guarantees, and openly declares that your money is paying
those before you, then you know the rules before entering -
and cannot cry over spilt milk if you lose your money.
On the other hand, if money is taken using terminology that
indicates a legitimate investment is being offered - which
later turns out to be a ponzi scam - then clearly the
participants have been defrauded, because they were not
told the true facts.
In a situation like this, one should be able to pursue
legal action to reclaim the lost funds - because such money
was taken under false pretences.
However, such a retroactive course of action does not mean
one shouldn't exercise rational judgement before entering
into any form of investment - even more so, if exceptional
returns and referral bonuses are being paid!
This brings up another dilemma. You've all heard the old
maxim: "If it sounds too good to be true, then it probably
is". It's one of those well-worn slogans that is sometimes
more confusing than helpful.
The first problem is to determine "too good to whom?". This
is very subjective, and the answer will vary as much as
people vary.
If I offered you 100% per year - would you consider it "too
good to be true"? Or would you automatically presume I was
presenting you with scam?
Well, I can tell you that such an offer is certainly not
too good to be true (under certain circumstances) - and yet
there are many, many people who would swear black and blue
that it was.
You cannot simply fob off an offer because, in your own
opinion, it offers high returns. You would need to do some
digging to discover whether such returns were possible or
justified. So while the maxim is useful, it is not a cure-all
or catchall strategy for dealing with real life investment
opportunities.
So you have gambling, which clearly discloses the risks
inherent in participating; ponzi/money games, which usually
don't, and are essentially fraudulent offers; and finally
you have real investments.
Of course, putting your money into legitimate investments
does not eliminate the risk of losing your money - it's just
that such a structure is not set up with the purpose of
defrauding you! When you invest your money you should demand
full disclosure as to the inherent risks of the proposition.
However, no investment is 100% safe. Even government bonds
depend finally on the state's ability to forever tax its
citizens - something I personally wouldn't want to bet on!
And this is where we come across yet another old maxim -
"the higher the potential return - the higher the risk".
Once again, this is a useful indicator - but not infallible,
as there are obvious exceptions.
So, to recap: the essential difference between a scam,
gambling and an investment - is that the "rules of the game"
are known in advance, and you participate in the full
knowledge of the risk you are taking.
A ponzi scam deliberately misleads, whereas gambling and
investing offer disclosure as to the risks.
You cannot avoid risk - it is part of life. You will never
find a truly risk-free investment. Even money in the bank,
in most countries, is deemed "unsecured" - and therefore
at risk, should the bank fall over.
So accept risk as part of life, and concentrate on weighing
up the risk - according to your own requirements and your
psychological response to such risks - against the perceived
benefits you may receive.
Some people literally can't sleep at night if they feel
financially exposed. While others are like adventurers,
wading through shark-infested waters, with their eye on
the end prize.
There's no doubt some people get lucky and make money from
gambling, or get in early and make money from ponzis. But
there's no doubt that most people lose money from such
"opportunities".
The challenge for you, is to keep your head on, stay calm,
don't be driven just by the promise of a quick buck, but to
assess the offer in the light of your financial position
(whether you can afford to take a risk or not), and make
a reasoned decision.
Don't be panicked into action - panic is never a good
emotion. The best advice, if being rushed by someone, is
to withdraw and give yourself time to evaluate something
with a cooler head.
Something else will always come along, so don't be fooled
by someone claiming that you will lose out if you don't
say "yes" now!
The world (and the internet in particular) is bursting
with opportunities - and once you have a clear idea of
what you are comfortable with, you will have plenty of
time to participate and profit.
And remember, you alone are responsible for the decisions
you make. Caveat Emptor! "Let the buyer beware".
Brought to you by,
www.RecessionProof-Business.com
Saturday, September 29, 2007
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