Posts Tagged ‘guidance’

The Texas Ratio

Sunday, November 2nd, 2008

Did you know there is a ratio by which the default of banks can be predicted? This ratio is being pointed to as the predictor to the collapse of Indy Mac Bank because of its Texas ratio.

This system was developed by Gerard Cassidy and some co-workers at RBC Capital Markets, they conceived that by dividing the value of the lender’s non-performing loans by the sum of its tangible equity capital and loan loss reserves gives a measurable ratio.

While analyzing Texas banks during the early 1980s recession, Cassidy found that banks tended to fail when this ratio reached 100% or higher. There was a similar pattern among New England banks during the recession of the early 1990s.

The Texas ratio for Indy Mac bank was reported as 140% and pointed to as the reason for the failure, yet the same people making these claims fail to mention the banks that have ratios in the 200 to 300% range yet still in business.

Was Indy Mac in trouble? Maybe yes, maybe no, did it help that a New York Senator leaked a letter to the press about his concerns that Indy Mac was in trouble. Why would a New York Senator be concerned about an California bank? In an election year it should not be hard to factor. That letter caused a run on the bank and the attempts of Indy Mac to gain a loan to make themselves more solvent was thwarted by the good senator’s actions.

So do we trust the Texas ratio or is it another Canadian bankers numbers game that really doesn’t take into account the actual banks business and tries to over simplify a way to make predictions in matters that really can’t be measured by a simple ratio.

Bank failures are on the rise and many people feel they can not trust their money with the banks. Remember banking laws are such that your bank does not have to keep but 10% of its assets in reserve. If you run down and withdrawal your savings, CDs, and other investments because of rumors and innuendo of some power hungry politician you’ll be playing right into their arm.

The fact is most banks will not be able to pay you that day if your asking for a significant amount of money, the days of thousands of dollars in bank vaults is a thing of the past. If the withdrawals are greater then 10% of the banks assets because the word leaks out and hundreds of bank customers like you go running down to the bank for their money, the bank will have to borrow the funds to pay you back (if they are able), this will cause their Texas ratio to climb and the sky is falling crowd will feel vindicated their system works. Banks can not liquidate their investments like you can by heading to where they placed their money and ask for it back right now to pay you.

Our banking system is built on trust, we trust the bank will have our money when we go and ask for it back. We trust the bank will pay us interest on the money we invest with it. But banks are a business like any other, run by people. Some smarter some not, do they make mistakes? Of course they do. All that means is you as a consumer must do your due diligence. It is your responsibility to make sure you know where you are parking your money, you are the first line of defense for your money.

Here is what I would recommend. The basic rule for individual accounts is that FDIC insurance covers up to a maximum $100,000 per depositor per bank. One way to guard larger sums is to hold accounts under $100,000 at a few separate banks, remembering that accumulating interest could push an account over the limit jeopardizing the amount above the 100,000.

There are other products, so diversify your money, take a serious look at guaranteed investment vehicles like indexed UL’s or believe it or not real estate. Remember buy low sell high. Now it’s a buyers market and finding great deals is very easy. Return on investment can be significantly higher and much more secure now that prices have fallen. Finding homes in locations where rents are steady and there is an abundance of renters since most have lost their homes, they need to rent. Finding ways that make sense in times like this is tricky but with right guidance and without panicking it should not be a problem for you.

An accomplished business owner, entrepreneur, radio talk show host, developer of super green sustainable homes and a mortgage and real estate expert. Having worked through thousands of financial transactions has given me the expertise to couch people with most types of financial matters. From securing a loan to retirement planning and asset protection. For more information please email me at dean@premiercitizensfinancial.com or visit my website http://www.premiercitizensfinancial.com/home.html

Understanding Probate in California

Wednesday, October 29th, 2008

Probate is the legal process that settles the property of the deceased person and tells how it should be equally distributed among the heirs and beneficiaries in case there is no will. The rules and regulations of probate vary form state to state and each state can have a different procedure and hearing process for probate. Some general guidance might be similar in most states but it is always advised to take help of a legal advisor in case you need to understand the probate process in your locality. Moreover you should understand that every probate case is different depending on the amount of money involved in it. The different property, debts and people involved in it make the whole case different from one other. There is no way that the rules and results of one probate case can apply to other case. Normally people have a view point that probate can be an ugly scene but the fact is that it can be easy if all parties involved in it work together for a positive outcome and preserve the memory of the deceased person.

In most cases, the property of the deceased person is transferred to his spouse if the person has not made any will before his expiry but in some conditions due to the parties’ involved the property cannot be transferred to the spouse directly. The probate court which hears the matter of probate cases will get involved if there any issues relating to the property of the deceased person. The case has to go through a legal framework and the final order of the court has to be addressed by each person involved in the case. Now, since every state has different law regarding the probate so the hearings of the case in the court can be different in each state.

If the deceased person has a will and has named a representative,all the assets will be handled by this person unless the judge deems this person unfit, etc.If there is no representative named in the will then the court appoints a representative who handles the property unless the decision is made. The appointed representative is called the administrator and has sole responsibility of handling the property.
The Probate Process

In the initial phase the administrator opens the case in the court. During this period he evaluates the property and collects all the property of the deceased person. Few items which come under contract of the deceased person are not held in probate and they pass automatically to the beneficiary. Any bank accounts or other things which has the clause of “payable on death” are transferred to the person named in the contract. Only those limited property that have no clear beneficiaries are accountable for probate process. After accumulating all the property, the administrator sends a legal notice to all parties involved in the case and pays all the debts and claims which remain outstanding on the deceased name. Then the administrator distributes the remaining property to the beneficiaries of the decedent as instructed in the court’s verdict.

If there are any disputes during the process then the court hearing decided upon the matter and the final verdict has to be agreed upon by every parties involved in the probate process. Anyone can file the claim on the property and if the court declines the claim then the opponent can file lawsuit to claim the property. If the lawsuit is made then court has to take the case more formally and this is when major problems occur during the probate process.

Normally, probate process take a longer time and if the amount involved is huge then the process can be more problematic. But if all the parties involved work together to make a positive solution then probate process can be competed easily and the property is distributed equally among the heirs or beneficiaries.

Luis Pezzini
lpezzini@pezzini.info
http://probate.SunsetStripRealty.com
http://www.SunsetStripRealty.com

Real Estate – Hire an Agent to Sell Your Home

Saturday, October 25th, 2008

It’s tax tough market for trying to sell a home. Should you get a real estate agent or do it yourself? In these economic times, you may be considering handling the sell yourself. “For Sell by Owner” saves you the 6% commission fee that goes to the brokers.

That’s a lot of money you would rather keep in your pocket. Stick a sign in the yard and wait. Sounds easy enough, but it may not be as profitable as you think. Here’s why tax a real estate agent tax mistakes a better move, especially in these tough economic times:

* Market Knowledge:
A professional agent has his thumb on the pulse of the housing market in your area. He knows what houses are going for and can help you determine a fair price that will be competitive. By the way, the commission fee is priced into the home price. He also knows exactly what’s on the market and how it compares to your home. He knows what people are looking for and what will sell. Do you know all of this? It would take a lot of time and research that you just don’t have, to gain the type of knowledge an agent comes with.

* Marketing Tools:
When you hire an agent, you have the backing of the entire brokerage firm. With this support come all the marketing tools the firm has to offer. Sure, that means putting your house in all the local trade and real estate magazines as well as the classifieds, but the most important feature is the MLS listing. This is a nationwide data base of all the homes on the market that agents can peruse and find homes for their clients. Potential buyers can also do their own research using an MLS number. For sell by owner homes are not qualified for an MLS listing and the owner must put the listing on a FSBO site. You cannot count on agents even looking at this Web site. With an agent, he does all the leg work and you don’t pay for a thing until the house is sold. FSBO means you have to do your own marketing and pay for it all up front.

* Disclosures and Contract Knowledge:
Have you ever bought or sold a house? There is a ton of paperwork to be signed – lots of legal stuff that the agent can explain in a simple sentence for you. Do you know how to draw up contracts so that they are legal and binding? A real estate agent has all the correct and legal documents for your state already on file and ready to go, plus they know what they all mean. It would be easy to get into a legal mess over disclosures and contracts if they are not correct.

* Negotiations:
This is very important! A potential buyer is going to place a bid on the house. Is it fair? Should you take it? An agent will guide you through this process. Generally, the buyer will make the lowest bid that is fair and the seller will counter with something between the asking price and the bid. Other issues are thrown in there, like aesthetic improvements and closing costs. If you lower the asking price, you can ask for the buyer to share in the commission. It is an agent’s job to sell your home. That is all he has to do. And, he has clients and colleagues with clients who want to buy a home. In between going to work, geting ready to move and dealing with all the other responsibilities you have, how much time do you have left for the sale of your house? Yes, a sign in the yard has sold homes, but that is not the norm. Your agent is in the midst of the area housing market and will do what he can to sell your home. Remember, he doesn’t get paid until he sells it.

With the changed market scenario in real estate, selling your house in a buyer’s market is more difficult as a home owner. When dealings are critical, it’s time to turn to the experts from Real Estate Louisiana for advice and guidance. Visit http://www.realestatelouisiana.com/

Life Lock Review – Do it Yourself Or Life Lock?

Friday, October 24th, 2008

Is Life Lock the cure for the identity theft protection epidemic? Is Life Lock the answer to providing you with peace of mind when it comes to preventing identity theft?

We are going to look at the benefits, features, pros and cons of Life Lock. We are going to review Life Lock and see if it is the solution to identity theft prevention or if you can do the same thing on your own as Life Lock does.

What can Life Lock do for you that you can’t do for yourself? Well, pretty much nothing.

The real question is, do you want to hassle with going through all the steps and processes yourself. Some people thrive on research, seeking out every detail and are just plain DIYers. Others just have so much going on in their lives that they don’t want the additional burden, they just want the security of knowing things are taken care of for them and they are protected, and that is where companies such as Life Lock come into play.

So let’s look at what Life Lock does and how you can do the same thing yourself.

Life Lock – Fraud Alert

First is the fraud alert. Life Lock will place a fraud alert on your credit profile at all three credit bureaus: Equifax, Experian and Transunion. A fraud alert will put your credit profile in lock down mode. No one will be able to open new accounts in your name without your being notified. Any potential credit grantors will be notified that they must verify your identification before extending credit in your name in case someone is using your identity without your knowledge.

DIY – Fraud Alert

Can you put a fraud alert on your credit profile yourself? Sure you can, you must notify all three credit bureaus every three months to put a fraud alert on your credit profile. Fraud alerts come in three flavors:

1. You can put a three month fraud alert if you suspect identity theft

2. A one year fraud alert can be obtained if you are an active military consumer

3. A seven year fraud alert will require you to show proof that your identity has been stolen by submitting a copy of a valid identity theft report to the credit bureaus that you have filed with a Federal, State or local law enforcement agency.

Equifax: 1-800-525-6285 P.O. Box 740241, Atlanta, GA 30374-0241

Experian:
1-888-EXPERIAN (397-3742)
P.O. Box 9532,
Allen, TX 75013

TransUnion:
1-800-680-7289
Fraud Victim Assistance Division, P.O. Box 6790,
Fullerton, CA 92834-6790

Life Lock – Opt Out

The next thing Life Lock will do is request that your name be removed from junk mail lists and pre-approved credit offers. This is one of the main methods identity thieves will use to get a hold of your identity.

DIY – Opt Out

Can you request your name be removed from junk lists and pre-approved credit offers? Once again, yes you can, but you may have to make the request multiple times before you are completely removed. As I am sure you know, advertising is a very lucrative business and companies don’t give up easily on potential prospects.

Listed below is information on the organizations you can contact to have your name removed from various mailing lists.

Credit Bureaus

Keep in mind that the credit bureaus may have different requirements for opting out. You can write a letter to request your personal information not be shared or used for promotional purposes.

The national credit bureaus offer a toll-free number that enables consumers to opt-out of all pre-approved credit offers with just one phone call. You can call 1-888-5-OPTOUT (1-888-567-8688) or you can go to the OptOutScreen website.

Department of Motor Vehicles

State departments of motor vehicles (DMVs) keep a lot of personal information about you. (Take a look at your driver’s license, for example.) The Drivers Protection Act offers you privacy rights concerning your information maintained by DMVs. The law sets limits on how your information can be used. A DMV agency can give out your personal information for things such as law enforcement, driver safety, insurance underwriting, etc.

Recently, an amendment was made to the law which now prohibits DMV from giving out your personal information for other types of uses, including for direct marketing, unless you give them permission.

You should contact the DMV in your state for more specific information.

Direct Marketers

The Direct Marketing Association’s (DMA) Mail Preference Service allows you to opt out of receiving unsolicited commercial mail from various national companies for five years. When you sign up for this service (a $1 fee), your name will be put in a ‘delete’ file and made available to direct-mail marketers. This will only help you for mailings from organizations who use the DMA’s Mail Preference Service. Your registration won’t stop mailings from organizations that don’t use this service. To register with DMA’s Mail Preference Service, go to the DMAChoice org website.

The FTC also publishes a free brochure on Shopping by Phone or Mail. For a complete list of publications, write for Best Sellers, Consumer Response Center, Federal Trade Commission, Washington, DC 20580; or call toll-free, 1-877-FTC-HELP (382-4357), TDD (202) 326-2502.

Life Lock – Free Credit Reports

Life Lock will also order your credit report from all three credit bureaus which are sent directly to you.

DIY – Free Credit Reports

You can also do this yourself. Each credit bureau allows you to obtain one free credit report each year. That will give you your credit report every four months, each time from a different credit bureau. Keep in mind that each credit bureau does not always keep the same account information on file.

Getting your credit report every four months is all well and good to get an overview of your credit score and where you stand. But it is not going to be very helpful in the event your identity is stolen, unless you happen to get your credit report just as an identity thief is going on a shopping spree in your name.

Do it yourselfer’s can go to annualcreditreport.com to get your free credit report.

Life Lock – Replacing Lost Information

Life Lock has a feature they call WalletLock™. In the event your wallet is stolen you call Life Lock anytime and they will match you up with a WalletLock specialist who will help you contact your credit card, bank or document issuing company, cancel your affected accounts and complete any paperwork and steps necessary to replace your lost documents, such as your credit/debit cards, driver’s license, social security card, insurance cards, checkbook, even travelers checks.

DIY – Replacing Lost Information

Can you do all this yourself? You should know by now that the answer is yes. As long as you remember all the cards you have to replace. And you will also have to hunt down all the contact information for each organization you hold cards with.

I don’t know about you, but this feature alone is worth the price to me. Just thinking of going through all that hassle makes my head spin and gives me a migraine. Yes I admit it, I am lazy and I don’t want to go through all that hassle by myself! I want someone holding my hand, walking me through it and making sure I don’t forget anything cause I can guarantee you I won’t be thinking with a clear head.

But that is just me, maybe you have plenty of time on your hands, aren’t bothered by the hassle, are great at research and getting a hold of the right people (and not an answering system), and having all your information stolen just wouldn’t bother you enough to get your head spinning. So if you are a ‘do it yourselfer’ then have at it.

Life Lock – Identity Theft Monitoring Service

Life Lock offers two new identity theft monitoring services that helps you locate any threats to your identity.

eRecon™ spiders websites known for criminal activity associated with illegal selling or trading of your personal information (this includes your Social Security number, credit card number, driver’s license and email address, if you provided it) and alerts you if, or when they find something.

TrueAddress™ keeps tabs on nationwide address databases and Life Lock will notify you if any new address information associated with your name is detected in this database. This alert will help you if a criminal has changed your address to send your new mail to a different location where they can steal your mail easier and get your financial information.

DIY – Identity Theft Monitoring Service

Can you monitor your identity yourself? Maybe, possibly, if you are extremely web savvy, have the right software and tools…but highly unlikely.

Life Lock – $1,000,000 Guarantee

And the last feature offered by Life Lock is the famous Life Lock million dollar guarantee. Life Lock claims if your Identity is ever stolen while you are a member of the Life Lock identity theft protection service they will do whatever it takes to reclaim your good name. Life Lock states they will hire the best lawyers on your behalf. They will get you investigators, accountants, case managers, whatever else you might need to recover your identity. Life Lock also states they will give you back any money you have lost due to the theft of your identity.

Life Lock claims they do whatever it takes and will spend up to $1,000,000 to help you recover your good name.

DIY – $1,000,000 Guarantee

Can you offer yourself a million dollar guarantee? Ah, well, only you know the answer to that one.

DIY vs Life Lock Review Conclusion

Most of the features offered by Life Lock can be had by any energetic DIYer (except possibly the $1,000,000 Guarantee). It just depends on whether you want to deal with all the hassle yourself or not. If your a typical DIYer and don’t mind the hassle, then by all means, have at it.

If you are like many people, don’t have the extra time to deal with the hassle and would prefer some guidance along the way, then you might want to think about using the Life Lock Identity Theft Protection Service, or even another similar service.

We hope this Life Lock Review has been helpful to you. If you are still trying to decide on whether to use an identity theft protection service or if your just not sure which monitoring service to choose, you might want to take a look at our comparison page to get the pros and cons to some of the top identity theft protection service providers that are out there.

Brenda Mohney is founder of Identity Theft Security. Identity Theft Security is a site dedicated to providing identity theft tips tools and resources to help consumers find quality information about identity theft protection.

Identity Theft Security offers reviews of identity theft insurance services, comparisons of identity theft plans and we offer identity theft videos, brochures and free software.

Quotations #9

Wednesday, October 22nd, 2008

*Great men are the gifts of kind heaven to our poor world; instruments by which the Highest One works out His designs; light-radiators to give guidance and blessing to the travelers of time. Moses Harvey.

*Grief, like a tree, has tears for its fruit. Bulwer-Lytton.

*She grieves sincerely who grieves unseen. Martial.

*Well has it been said that there is no grief like the grief which does not speak. Longfellow.

*We hear the rain fall, but not the snow. Bitter grief is loud, calm grief is silent. Auerbach.

*It is dangerous to abandon one’s self to the luxury of grief; it deprives one of courage, and even of the wish for recovery.

*Nothing speaks our grief so well as to speak nothing. Crashaw.

*If our griefs were seen written on our brow, how many would be pitied who are now envied! Metastasio.

*Great grief makes sacred those upon whom its hand is laid. Joy may elevate, ambition glorify, but sorrow alone can consecrate. Horace Greeley.

*Grief, which disposes gentle natures to retirement, to inaction, and to meditation, only makes restless spirits more restless. Macaulay.

*All the joys of earth will not assuage our thirst for happiness; while a single grief suffices to shroud life in a sombre veil, and smite it with nothingness at all points. Mme. Swetchine.

*What is grief? It is an obscure labyrinth into which God leads man, that he may remember his faults and abjure them, that he may appreciate the calm which virtue gives. Leopold Scheffer.

*Griefs are like the beings that endure them–the little ones are the most clamorous and noisy; those of older growth and greater magnitude are generally tranquil, and sometimes silent. Chatfield.

*He that hath so many causes of joy, and so great, is very much in love with sorrow and peevishness, who loses all these pleasures, and chooses to sit down on his little handful of thorns. Jeremy Taylor.

*I pity the man who can travel from Dan to Beersheba, and cry, it is all barren. Sterne.

*When a man is full of the Holy Ghost, he is the very last man to be complaining of other people.
D.L. Moody.

*There is an unfortunate disposition in a man to attend much more to the faults of his companions which offend him, than to their perfections which please him. Greville. *Those who are moved by a genuine desire to do good have little time for murmuring or complaint. Robert West.

*Habit is a cable. We weave a thread of it every day, and at last we cannot break it. Horace Mann.

*The chains of habit are generally too small to be felt till they are too strong to be broken. Johnson.

*To learn new habits is everything, for it is to reach the substance of life. Life is but a tissue of habits. Amiel.

*Habits, soft and pliant at first, are like some coral stones, which are easily cut when first quarried, but soon become hard as adamant. Spurgeon.

*That beneficent harness of routine, which enables silly men to live respectably and happy men to live calmly. George Eliot.

*The law of the harvest is to reap more than you sow. Sow an act, and you reap a habit; sow a habit, and you reap a character; sow a character, and you reap a destiny. G.D. Boardman.

*It must be conceded that, after affection, habit has its peculiar value. It is a little stream which flows softly, but freshens everything along its course. Madame Swetchine.

*The will that yields the first time with some reluctance does so the second time with less hesitation, and the third time with none at all, until presently the habit is adopted. Henry Giles.

*The habit of virtue cannot be formed in a closet. Habits are formed by acts of reason in a persevering struggle through temptation. Gilpin.

*To be perpetually longing and impatiently desirous of anything, so that a man cannot abstain from it, is to lose a man’s liberty…Jeremy Taylor.

*I will govern my life and my thoughts as if the whole world were to see the one and to read the other; for what does it signify to make anything a secret to my neighbor, when to God (who is the searcher of our hearts) all our privacies are open? Seneca.

*Like flakes of snow that fall unperceived upon the earth the seemingly unimportant events of life succeed one another. As the snow gathers together, so are our habits formed. No single flake that is added to the pile produces a sensible change; no single action creates, however it may exhibit, a man’s character. Jeremy Taylor.

*And it is a singular truth that, though a man may shake off national habits, accent, manner of thinking, style of dress,–though he may become perfectly identified with another nation, and speak its language well, perhaps better than his own,–yet never can he succeed in changing his handwriting to a foreign style. Disraeli.

*If we look back upon the usual course of our feelings, we shall find that we are more influenced by the frequent recurrence of objects than by their weight and importance; and that habit has more force in forming our characters than our opinions have. The mind quotes takes its tone and complexion from what it habitually contemplates. Robert Hall.

*Happiness: The soul’s calm sunshine. Pope.

*Happiness is the natural flower of duty. Phillips Brooks.

*Happiness is a rare cosmetic. G.J.W. Melville.

*Happiness is where we find it, but rarely where we seek it. J. Petit-Senn.

*We are no longer happy so soon as we wish to be happier. Landor.

*Happiness never lays its finger on its pulse. It we attempt to steal a glimpse of its features it disappears. Alexander Smith.

*Beware what earth calls happiness; beware all joys but joys that never can expire. Young.

*Happiness is not the end of duty, it is a constituent of it. It is in it and of it; not an equivalent, but an element. Henry Giles.

*Happiness is always the inaccessible castle which sinks in ruin when we set foot on it. Arsene Houssaye.

*The sunshine of life is made up of very little beams, that are bright all the time. Aiken.

*He who has no wish to be happier is the happiest of men. W.R. Alger.

*Happiness is a sunbeam, which may pass through a thousand bosoms without losing a particle of its original ray. Sir P. Sidney. *The happiness of the tender heart is increased by what it can take away of the wretchedness of others. J. Petit-Senn.

*Happiness and virtue react upon each other–the best are not the happiest, but the happiest are usually the best. Lytton.

*Hunting after happiness is like hunting after a lost sheep in the wilderness–when you find it, the chances are that it is a skeleton. H.W. Shaw.

*A sound mind in a sound body is a short but full description of a happy state in this world. Locke.

*The body is like a piano, and happiness is like music. It is needful to have the instrument in good order. Beecher.

*That state of life is most happy where superfluities are not required and necessaries are not wanting. Plutarch.

*Wouldst you ever roam abroad? See, what is good lies by thy side. Only learn to catch happiness, for happiness is ever by you. Goethe.

*The common course of things is in favor of happiness; happiness is the rule, misery the exception. Were the order reversed, our attention would be called to examples of health and competency, instead of disease and want. Paley.

*True happiness is of a retired nature, and an enemy to pomp and noise. It arises, in the first place, from the enjoyment of one’s self, and, in the next, from the friendship and conversation of a few select friends. Addison.

*When we are not too anxious about happiness and unhappiness, but devote ourselves to the strict and unsparing performance of duty, then happiness comes of itself–nay, even springs from the midst of a life of troubles and anxieties and privation. Humboldt.

*Happiness in this world, when it comes, comes incidentally. Make it the object of pursuit, and it leads us a wild-goose chase, and is never attained. Hawthorne.

*There is a gentle element, and man may breathe it with a calm, unruffled soul, and drink its living waters, till his heart is pure; and this is human happiness. Willis.

*To be happy is not only to be freed from the pains and diseases of the body, but from anxiety and vexation of spirit; not only to enjoy the pleasures of sense, but peace of conscience and tranquility of mind. Tillotson.

*Without strong affection, and humanity of heart, and gratitude to that Being whose code is mercy, and whose great attribute is benevolence to all things that breathe, true happiness can never be attained. Dickens.

*I have lived to know that the great secret of human happiness is this: Never suffer your energies to stagnate. The old adage of “too many irons in the fire” conveys an untruth–you cannot have too many –poker, tongs–and all, keep them going. Adam Clark.

*The haunts of happiness are varied and rather unaccountable, but I have more often seen her among little children, and home firesides, and in country houses, than anywhere else…Sydney Smith.

*The happiness of life is made up of minute fractions–the little, soon-forgotten charities of a kiss, a smile, a kind look, a heartfelt compliment in the disguise of a playful raillery, and the countless other infinitesimals of pleasant thought and feeling. Coleridge.

*God loves to see His creatures happy; our lawful delight is His; they know not God that think to please Him with making themselves miserable. Bishop Hall.

*The happiness of life consists, like the day, not in single flashes of light, but in one continuous mild serenity. The most beautiful period of the heart’s existence is in this calm, equable light, even although it be only moonshine or twilight. Now the mind alone can obtain for us this heavenly cheerfulness and peace. Richter.

*Happiness no more depends on station, rank, or any local or adventitious circumstances in individuals than a man’s life is connected with the color of his garment. The mind is the seat of happiness, and to make it so in reality, nothing is necessary but the balm of gospel peace, and the saving knowledge of the Son of God. Anonymous.

*Harvest: Nature’s bank-dividends. Haliburton.

*The husbandman is close to the heart of nature, lives in touch with God, and so, more than many, shares His deep content, His tranquility, and builds up a character of hardy independence, of kindly considerateness for His servants, and of helpful ministry to the poor…Believe in God, believe in nature, and do your duty; and the farm life, with its regular round of duties, its simple loves, its high thoughts, its wise economies, its immediate touch of earth, its charming gossip, its pleasant human interests, and its many windows through which we may catch sight of the face of God, will yield us all we need for a simply, manly, godly life…Do not despise your work. Do it well. Be a whole man to it while you are at it. Israel’s great men did not think it beneath them to inspect their flocks. The patriarchs were shepherds and cultivators of the soil. Job was a shepherd. Moses was a shepherd. David looked well after his flocks. Gideon was accosted by God when he was threshing wheat. A great and noble life does not depend on rank or place, but on purpose, faith, love, character and service. John Clifford, D.D.

*The year’s food only is grown in the year. Each year the world depends for James Taylor upon something freshly given it which it cannot provide for itself. As the harvest approaches the wolf is at the door. Nothing stands between us and starvation but the harvest covenant of the ever-faithful God: “Seed-time and harvest shall not cease.” Away, then, with our fancied independence!…We pray in the line of the harvest covenant when we say, “Give us this day our daily bread.” Illustrated Christian Weekly.

*The life of agricultural industry has better guaranties than the crown of kings…In its simple and steady processes it reveals the Father’s care for His children. John Clifford, D.D.

*It is the peculiarity of all the cereals that they are never found growing wild… Presbyterian Witness.

*Health and cheerfulness mutually beget each other. Addison.

*A hale cobbler is a better man than a sick king. Bickerstaff.

*Reason’s whole pleasure, all the joys of sense, lie in three words–health, peace, and competence. Pope.

*The root of sanctity is sanity. A man must be healthy before he can be holy. We bathe first, and then perfume. Mme. Swetchine.

*Refuse to be ill. Never tell people you are ill; never own it to yourself. Illness is one of those things which a man should resist on principle at the onset. Lytton.

*He who overlooks a healthy spot for the site of his house is mad and ought to be handed over to the care of his relations and friends. Varro.

*The morbid states of health, the irritableness of disposition, arising from unstrung nerves, the impatience, the crossness, the fault-finding of men, who, full of morbid influences, are unhappy themselves, and throw the cloud of their troubles like a dark shadow upon others, teach us what eminent duty there is in health. Beecher.

*Home-keeping hearts are happiest. Longfellow.

*Be persuaded that your only treasures are those which you carry in your heart. Demophilus. 937. What sad faces one always sees in the asylums for orphans! It is more fatal to neglect the heart than the head. Theodore Parker.

*If you should take the human heart and listen to it, it would be like listening to a sea-shell; you would hear in it the hollow murmur of the infinite ocean to which it belongs, from which it draws its profoundest inspiration, and for which it yearns. Chapin.

*Earth has no sorrow that heaven cannot heal. Moore.

*In a better world we will find our young years and our old friends. J. Petit-Senn.

*If I am allowed to give a metaphorical allusion to the future state of the blessed, I should imagine it by the orange-grove in that sheltered glen on which the sun is now beginning to shine, and of which the trees are, at the same time, loaded with sweet golden fruit and balmy silver flowers. Such objects may well portray a state in which hope and fruition become one eternal feeling. Sir Humphry Davy.

*Troops of heroes undistinguished die. Addison.

*We can all be heroes in our virtues, in our homes, in our lives. James Ellis.

*Each man is a hero and an oracle to somebody, and to that person whatever he says has an enhanced value. Emerson.

*The gentle breath of peace would leave him on the surface neglected and unmoved. It is only the tempest that lifts him from his place. Junius.

*The heroes of literary history have been no less remarkable for what they have suffered than for what they have achieved. Johnson.

*Nobody, they say, is a hero to his valet. Of course; for a man must be a hero to understand a hero. The valet, I dare say, has great respect for some person of his own stamp. Goethe.

Convert Water to Fuel For Your Car – Drastically Increase Fuel Economy by Using Water As Fuel

Monday, September 29th, 2008

As gas prices continue to skyrocket, thousands of car owners have been turning to a technology that helps them convert water to fuel to power their cars. This is a real technology that is gaining mass appeal simply because it works and is saving drivers $1000s in gas costs.

News about this technology broke in the media recently, including Fox News which first carried the story. Internet forums have been abuzz with discussion and advice on how to build DIY water-to-fuel conversion kits.

The process to convert water to fuel is actually very simple. Through electrolysis, a water-to-fuel conversion kit breaks down water into a mixture of hydrogen/oxygen gases, known as HHO, or Hybrid Hydrogen Oxygen. This gas is introduced into the engine air intake to supplement regular gasoline. HHO gas alone does not burn as a fuel. It actually facilitates gasoline to burn fully and cleanly. You get improved MPG (typically by 50% or more) and your car produces cleaner emissions.

How then can you convert water to fuel to power your car? What you need are (a) a good conversion guide, which you can download on the Internet at a very affordable cost (b) ordinary parts and components that are available from your local hardware store. The guidebooks will give you good details of what to buy. Some components can even be found around your home (c) less than half a day of your spare time and (d) less than $150 upfront investment (for the guide book and materials).

Most of the conversion guides provide full illustrations and easy-to-follow guidance. Many are designed for novice drivers in mind and provide assurance for those who lack technical knowledge in cars.

Many car owners have jumped onto this technological bandwagon. Why pay more for overpriced gas, when you can convert water to fuel to power your car?

If high gas prices are taking a toll on your finances, look no further. Alternative Fuel Specialist, Isache Chew invites you to learn how you can reduce your gas expenses and save $1000s by using water as fuel to power your car. Now read his expert review of the Best Water-to-Fuel Conversion Guides on the Internet at http://www.isache-biz.com/runcaronwater and beat the oil companies at their own game!

Homemade Hydrogen Fuel Cell – How to Go Green and Double Gas Mileage

Tuesday, August 5th, 2008

As global warming increases, many have asked what we can do to help protect the world we live in. One way is build and install your own homemade hydrogen fuel cell to power your car on water. Only a few years ago, the demand for gas-guzzling SUVs was on the rise, but this was before the general public was as informed as they are today on global warming and before we were severely impacted by the rising gas prices.

We want and need to be more responsible. Thousands of people are using water-fuel conversions during this time of “energy crisis”. Even President George Bush had announced the Hydrogen Fuel Initiative to accelerate hydrogen-related research – to the tune of $1.2 billion. What could be cleaner or more cost-effective than running your car on a renewable energy extracted from water?

What the homemade hydrogen fuel cell does is to break down ordinary water into its elements of hydrogen and oxygen, and then chemically reform into HHO gas or Hybrid Hydrogen Oxygen. This gas supplements normal gasoline to greatly enhance fuel economy.

Here are a few of the many benefits of this humble gas saving device.

- A homemade hydrogen fuel cell burns cleanly

- The only by-products you wind up with when you burn hydrogen along with oxygen are water and heat.

- Hydrogen is often burned completely without pollution and can easily double your car’s gas mileage. This means more money in your wallet!

- Hydrogen (and water) among are the most abundant substances around!

- Fuel cells are 100-200% more efficient than their gasoline counterparts.

- Safety is not an issue, and HHO is as safe as using diesel, gasoline or natural gas.

- Hydrogen can help reduce dependence on foreign oil.

Most of us cringe when we fill up our gas tanks and we try to reduce our other spending just to pay our high gas bills. By making energy-efficient choices, you can benefit everyone.

No more filling up your tank for $80 or more. You could be saving thousands of dollars each year if you build your own hydrogen fuel cell. Let’s stop giving oil companies our hard earned money, and receive IRS refunds for using green technology! The energy industries have been trying to keep this technology from us for years. The best thing is, this technology works anywhere in the world, and you can build your own hydrogen fuel cell in a few hours of your time and at low cost too!

Want To Build Your Own Homemade Hydrogen Fuel Cell But Don’t Know Where To Start?

Fret not! Many people in your shoes have successfully built one on their own to run their cars on water. They are already shaving $1000s off their gas bills. If you need step-by-step guidance in installing one, I have reviewed the Top 3 Best-Selling Homemade Hydrogen Fuel Cell Guides for your convenience. These highly recommended guides provide easy-to-follow instructions that will help you save money in no time.

Isache Chew is an Alternative Fuel Specialist who takes pride in helping the average consumer save money on gas and give oil companies a run for their money! For a candid review of the best-selling guides, zoom now into his website at http://www.isache-biz.com/runcaronwater

Returning Accountability to Public Servants

Friday, July 6th, 2007

Issue: Should parents be instructed by their children on how the parents run the household? The parents by virtue of their position as creator of the children tell the children how they are to behave, not the other way around. Who created the federal government? The Constitution states that “We the People” created the government for specific and defined purposes with specific and defined powers. One of the responsibilities of “We the People” is to ensure the government is held accountable. In this article I will discuss some of the issues we face and provide some guidance on how we can accomplish this.

I would like to start this article on accountability with the words of Patrick Henry: “This is no time for ceremony. The question before the House is one of awful moment to this country. For my own part, I consider it as nothing less than a question of freedom or slavery… It is only in this way that we can hope to arrive at truth, and fulfill the great responsibility which we hold to God and our country… Mr. President, it is natural to man to indulge in the illusions of hope… Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God! I know not what course others may take; but as for me, give me liberty or give me death!”

Patrick Henry’s famous “give me liberty or give me death” speech, when America sat on the brink of war with England, shows the resolve of the American settlers. Hearts were split between the land they grew up with, where their family’s lineage ran long and the binds of generations weighed heavy upon them. But they suffered under a government that would not answer their grievances and instead added increased taxation and more encroaching laws.

Today we have government intrusion into every aspect of our lives. We no longer own property free and clear, if you think you do just try not paying property “tax” and see how long they let you keep “your” property. Every right we may have had at the outset of this great union has been slowly infringed upon, taxed, limited, licensed, fee’s assessed, coded, legislated, and in some cases outright denied. The taxation rate within the colonies that flamed the feelings of oppression and revolt was between three and four percent. Today we give at least 25% of our total earnings and feel good when Uncle Sam gives us back a $500.00 refund check, without paying any interest.

Yet in this day and age of instant communication, You-Tube, cable television, cell phones, internet, etc.; very few Americans know anything about the serious threats that loom over them and their posterity. And those that do may not know what to do about it.

James Madison stated: “I believe there are more instances of the abridgement of freedom of the people by gradual and silent encroachments by those in power than by violent and sudden usurpations.”

According to Black’s Law Dictionary (6th Edition) the term “Unalienable Right” is a “right which can NEVER be abridged because they are so fundamental.” (Abridged means: “To reduce or diminish.”) The seventh edition of Black’s however states that Unalienable Right means “a right that cannot be transferred or surrendered.”

Notice the difference, in the former edition where they denote a right cannot be made to be reduced or diminished. In the later they state that it cannot merely be transferred or surrendered. This would leave ground for one to surmise the ability to diminish or limit a right so long as they do not take it away completely.

Because governments are endowed with powers that can have good as well as evil effects upon their citizenry it is of utmost importance to the well being of that society to hold the government to a high standard and especially those who manage it.

Recently a group of concerned citizens, under the banner of the “We The People Foundation,” petitioned the government for a redress of grievances as provided for under the First Amendment. The government’s response was silence! Many more attempts were made with similar results; so they took the government to court. During this whole process the government acknowledged that, indeed, the people have the “right” to petition the government but that the government has no constitutional responsibility to answer. This of course is absolutely absurd!

For those who remember their history, one of the primary reasons, and in may people’s opinion the most important reason, we went to war with Britain was the King’s refusal to respond to the colonists petitions. In the Declaration of Independence the forefathers listed item after item of the oppressions heaped upon them and stated: “In every stage of these oppressions we have petitioned for redress in the most humble terms; our repeated petitions have been answered only by repeated injury.”

An IRS official when answering the question why they would not answer the petition of the We The People Foundation they responded that they were answering them by “enforcement.” This reminds me of the axiom “that those who forget the lessons of history are doomed to repeat them.”

The We The People Foundation’s case was appealed all the way to the Supreme Court. The Supreme Court decided that it would not hear the case. In my opinion the spineless Black robes chose to play politics with our rights and freedoms instead of standing up for the people and honoring their oath to support and defend the Constitution.

The Constitution defines itself as the supreme law of the land. The Supreme Court has affirmed that any laws that stray outside the enumerated boundaries of the Constitution are repugnant and void as law. This does not mean that the De Facto power does not exist to enforce unconstitutional law, it surely does, it only means that they are wrong doing it and they do it anyway, this is termed as despotic rule.

For instance, the Second Amendment states that “…the right of the people to keep and bare arms shall not be infringed.” Today we have over 20,000 laws, various licenses, fees, applications, and taxes on that “right.” This to me is a prime example of infringement by anyone’s definition.

So what do we do when those sworn to support and defend the Constitution, don’t?

Resolution: It is the responsibility of the citizens of this nation to hold the government accountable. Every government throughout history that has been left to its own devices eventually turned on its own people (some would argue this is already happening here). So what can WE do to hold our public servants accountable to their oaths and ensure this does not happen here?

First – get informed; you cannot hold your government accountable if you don’t know what they are supposed to be doing in the first place. The good news is the vast majority of information you need is readily available and free. Start with the founding documents, read the Declaration of Independence, the Constitution, and the Bill of Rights. Just knowing these documents will put you ahead of the majority of Americans.

Second – if an the persons are elected officials then on the next election cycle fire him! Every other year we have the opportunity to change a percentage of those in office. Review the voting record of any person coming up for re-election. If they fail to uphold the constitutional standard fire their butts and replace them with someone who will.

Third – Run for office yourself; sometimes when you want a job done right you have to do it yourself, or support someone you know who will. Get involved!

Fourth – Know what your servants are up to. Read the bills being presented and contact your representative to let them know you either support or oppose those bills. There are a number of watchdog organizations that will send you email alerts whenever a suspect bill is introduced. Groups like Restore the Republic, Downsize DC, NRA, Gun Owners of America, and many more.

Fifth – When public servants disregard the Constitution call for their impeachment. It is within the right of every citizen to contact their representative and demand adherence to Article II Section 1 and Article VI of the Constitution where they swear an oath to support and defend the Constitution. Breach of this oath is grounds for impeachment.

Sixth – Support new bills that hold your representatives accountable to the Constitution. Two bills worth supporting are the Enumerated Powers Act and the Read the Bills Act. Both of these bills originated at the grass roots level and are gaining support in Washington.

The Read the Bills act requires any member voting yes on the bill to have actually read the bill he is voting on. This makes perfect sense. How can anyone in good faith vote to enact law when they have not read the law.

The Enumerated Powers Act requires anyone submitting a bill for consideration must cite the Constitutional Authority under which this bill gains its authority to authorize the legislation to pass such a bill. Without a clear tie to a constitutional power no bill would be allowed to the floor let alone a vote unless it can be tied directly to the Constitution.

Seventh – Don’t be selfish, once you know something tell someone else. Write your family and friends and pass along the important information you find. Don’t assume they already know this stuff, it was new to you when you found it, share it.

Eighth – Contact your representative and have them sponsor or support a bill that requires every elected representative in both houses to be versed in the founding documents and to know what a “republican form of government” looks like. They cannot “support and defend” a thing they know nothing about.

Ninth – The last and final resort was stated at the beginning of this article by Patrick Henry in preparation of supporting this nation – “Give me Liberty or give me Death.” The founding document, the Declaration of Independence, states “Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it… It is their duty to throw off such Government, and to provide new Guards for their future security…”

So you see my fellow Americans it is up to us to keep our public servants accountable for what THEY do and how WE respond makes all the difference.

Michael LeMieux is a retired U.S. Army intelligence and imagery analyst, and has served combat tours in Kuwait and Afghanistan with the 19th Special Forces. He is a Purple Heart recipient for injuries received in Afghanistan. Mr. LeMieux is the author of Unalienable Rights and the denial of the U.S. Constitution, published by Publish America. You can contact Mr. LeMieux via his website at http://www.constitutiondenied.com