With assets of more than M, the ETF which follows the S&P 500 and is overseen by State Street Global Advisors is called Spiders. United States Of America. Both mutual and index funds are more costly than the average exchange-traded fund, which makes ETFs a lower cost purchase.

Everyone would agree spiders are the biggest ETFs, yet the next fund on the list, the second biggest and following ones, can vary depending on which list you are seeing. Now, the NASDAQ-100 There are four letter “Q’s” here. is probably the best, but just two years ago, was the third or fourth in terms of total assets, with less than million United States Of America.

With many of its holdings in software and telecommunications companies, QQQQ is seen by many as an indicator of the health of the technology sector. A hundred stocks with the index for a variety of stock.

Diamonds Trust, or DIA, is one of the larger ETFs in the US. It tracks the Dow Jones Industrial Average and includes 30 “blue chip” American companies. A lot of investors think DIA’s formula is out of date, yet is still remains a popular selection.

Even the biggest ETFs have been in the red, like DIA.

This past year, Ultra Silver Proshares (agq)what is usually called a “small” ETF, has grown relatively large. The year to date return at the time of this writing was over 28% and intra-day returns have been as high as 7% and three months back was about 4%.

Listed is a sampling of the ETFs Barclays Bank oversees. Examples are SGG , LD and JJS . Markets have gone up sharply in the last few months, but that is simply recouping some of the losses from last year’s crash. Regardless, those who invested short-term have profited from those funds.

VTI, short for VIPER is the biggest in terms of the amount of companies in the portfolio. The VTI’s value is a gauge for the US economy because most US based publicly traded companies are a part of the index and the Vanguard Group oversees them.

Literally, hundreds of ETFs are available. A few of the smaller funds have stopped existing, since they haven’t been able to get enough visitors, yet there’s always another to replace it.

For more please see EFT trend trading and ETF types.

Click here for information about Non-Purpose, Non-Recourse Lending

You will need to know a lot about real estate investing. Knowing the basics of real estate investing education is a good way to get the most out of every lesson. Whether your target is short sales, bulk reo sales, virtual real estate or improving real estate investor abilities, you need to know some real estate investing basics. Here are three real estate investing basics that even some experts do not really know:

1. Real estate investing education always yields positive. Every good real estate deal represents thousands of dollars in potential wealth. The knowledge of how to get that wealth is the key to your success. Learning about real estate increases your odds of success when you do a real estate deal. Small investments yield big results when you invest in learning and then implement what you learn.

2. Any economy allows for success in real estate investing. Often people think that you can only be a success in real estate when the economy is good. In reality, a bad economic situation is not bad for real estate investors. You can often buy properties at deep discounts. You might also find deals that simply would not exist in a booming economy. In fact, real estate investing can turn the tide for a poor economy. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You can save yourself and others from major financial woes if you know how to do these deals.

3. You do not need lots of your own cash to be a successful real estate investor. You can make a success of real estate investing no matter how much or little money you have. There are lots of deals that you can use other people’s money to do. If you are a good investment private lenders may let you use their money. An investor who is a good investment knows as much as they can when it comes to real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a great way to create a good amount of wealth. You will have the ability to create income in any economy. You can create success for yourself using knowledge of real estate investing, short sales, bulk reo sales and virtual real estate. You will be helped to succeed as a real estate investor by knowing real estate investing basics.

Click here for information about Non-Purpose, Non-Recourse Lending

The short sellers put up collateral, agreed to pay dividends, and paid a small amount of interest. These middle-men companies took a big slice of the earnings.  The 401k funds got only a little,  but did not complain because they thought it was essentially a risk free source of extra money.

Unfortunately, the middle-man companies overseeing the transactions got greedy, and started investing the collateral in commercial paper, instead of safer T-bills.  When the financial crisis hit, and Lehman Brothers went bankrupt, there was a panic in the commercial paper market, and some of the invested collateral suffered losses.

These Wall Street firms then passed the losses onto the funds.  Ultimately, it was the “little guy retirees” who are paying the price.  Effected S&P 500 funds, for example, lagged their benchmark index by 11 basis points (0.11%) before fees.  Mortgage-backed funds lagged by up to 53 basis points (0.53%).

Even though these losses caused by poorly invested collateral are insignificant compared to the overall loss in the mutual funds (e.g. the S&P 500 index lost 36% in 2008), they still angered some investors – who have filed class action law suits.

Overall, this situation seems to be limited to mutual funds.  People with brokerage accounts who buy individual stocks do not have to worry.  All the major brokerages keep 100% of any fees from lending securities to short sellers.  In return, they cover any losses.

Today stock loans are very popular.   Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Lending

Securities Lending is a long-established process.  In fact, hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

For those with money invested in marketable securities, there is a safe way to leverage their assets and take advantage of the golden opportunities now available to cash-in on terrific RE investment opportunities which are available today.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, securities lending (also known as stock loans) can be a terrific program.

Securities base loans are –

·         Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

·         Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

·         Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

·         High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

·         Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

·         Low Fixed Interest Rates – usually between 2% to 4%

·         Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs

·         Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending

Investors who treat trading as a full-time job have the time to watch the market movements for signals.  Oftentimes, however, signals can be automated and integrated into trading software.  The investor can choose which signals to be alerted about and they will automatically appear on screen.  Software signals are usually only available by subscription and some services charge hundreds of dollars a year for a complete package.  This includes trading software and access to up-to-the-minute charts for the latest information about the stock market.

Investors who don’t have the time to watch the market closely can subscribe to services which publish signals on a daily or hourly basis.  These services may employ market analysts who may follow several indicators to arrive at a particular signal.  More commonly, however, their systems are completely automated with signals being generated by software which examines market conditions.  Some of these services have a better track record than others – it’s a good idea to research them before signing up.

With any third-party signal provider it pays to know how the signals are being generated.  Since there are such a large number of market indicators some of them may contradict each other.  In addition, a particular indicator may send out conflicting signals depending on the time frame.

Market conditions also play an important part on the accuracy of indicators. During upswings in the market, for example, trend indicators will send out buy signals but longer-term oscillator indicators will view the market as being overbought and send out a sell signal.  Generally speaking, trend indicators are most accurate during trend conditions and oscillators are best during times of transition.  Both types of indicators are often in variance with the other.

To overcome these problems, try to find a signal generator that uses at least 3 market indicators for verification.  Signals that are verified by 3 different indicators are strong and tend to be accurate.  It is also important to look at signals from varying time frames.  An upswing may simply be a short term correction and the market may afterwards continue its downward movement. Taking a broad view of market conditions allows you to see these variations more clearly.

Depending on the type of service you sign up for, signals can be delivered by email on a daily basis, available for viewing on a website, or be integrated into your trading software so that popups appear on your screen for particular signals that you are watching.

Companies which provide signals usually offer their services on a monthly basis. Some are quite expensive – as high as several hundred dollars a month. These are obviously aimed at the professional trader but other services are also available at more reasonable costs.

The value of these services has to be weighed by the individual investor.  They can be a great time saver but they may also encourage laziness when it comes to analyzing the market.  A knowledgeable trader should have the tools necessary to judge the effectiveness of a signal system and do some of the calculations himself to keep on top of the market.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.   Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending

The basis for technical analysis is the belief that stock prices move in predictable patterns. All the factors that influence price movement – company performance, the general state of the economy, natural disasters – are supposedly reflected in the stock market with great efficiency. This efficiency, coupled with historical trends produces movements that can be analyzed and applied to future stock market movements.

Technical analysis is not intended for long-term investments because fundamental information concerning a company’s potential for growth is not taken into account. Trades must be entered and exited at precise times, so technical analysts need to spend a great deal of time watching market movements.

Investors can take advantage of both upswings and downswings in price by going either long or short. Stop-loss orders limit losses in the event that the market does not move as expected.

There are many tools available to the technical analyst. Literally hundreds of stock patterns have been developed over time. Most of them, however, rely on the basic concepts of ‘support’ and ‘resistance’. Support is the level that downward prices are expected to rise from, and Resistance is the level that upward prices are expected to reach before falling again. In other words, prices tend to bounce once they have hit support or resistance levels.

Charts

Technical analysis relies heavily on charts for tracking market movements. Bar charts are the most commonly used. They consist of vertical bars representing a particular time period – weekly, daily, hourly, or even by the minute. The top of each bar shows the highest price for the period, the bottom is the lowest price, and the small bar to the right is the opening price and the small bar to the left is the closing price. A great deal of information can be seen in glancing at bar charts. Long bars indicate a large price spread and the position of the side bars shows whether the price rose or dropped and also the spread between opening and closing prices.

A variation on the bar chart is the candlestick chart. These charts use solid bodies to indicate the variation between opening and closing prices and the lines (shadows) that extend above and below the body indicate the highest and lowest prices respectively. Candlestick bodies are coloured black or red if the closing price was lower than the previous period or white or green if the price closed higher. Candlesticks form various shapes that can indicate market movement. A green body with short shadows is bullish – the share opened near its low and closed near its high. Conversely, a red body with short shadows is bearish – the stock opened near the high and closed near the low. These are only two of the more than 20 patterns that can be formed by candlesticks.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention –securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending / Stock Loans

Earnings per Share
The overall earnings of a company is not in itself a useful indicator of a share’s worth. Low earnings coupled with low outstanding shares can be more valuable than high earnings with a high number of outstanding shares. Earnings per share is much more useful information than earnings by itself. Earnings per share (EPS) is calculated by dividing the net earnings by the number of outstanding shares. For example: ABC company had net earnings of $1 million and 100,000 outstanding shares for an EPS of 10 (1,000,000 / 100,000 = 10). This information is useful for comparing two companies in a certain industry but should not be the deciding factor when choosing shares.

Price to Earning Ratio
The Price to Earning Ratio (P/E) shows the relationship between share price and company earnings. It is calculated by dividing the share price by the Earnings per Share. In our example above of ABC company the EPS is 10 so if it has a price per share of $50 the P/E is 5 (50 / 10 = 5). The P/E tells you how much investors are willing to pay for that particular company’s earnings. P/E’s can be read in a variety of ways. A high P/E could mean that the company is overpriced or it could mean that investors expect the company to continue to grow and generate profits. A low P/E could mean that investors are wary of the company or it could indicate a company that most investors have overlooked.

Either way, further analysis is needed to determine the true value of a particular stock.

Price to Sales Ratio
When a company has no earnings, there are other tools available to help investors judge its worth. New companies in particular often have no earnings, but that does not mean they are bad investments. The Price to Sales ratio (P/S) is a useful tool for judging new companies. It is calculated by dividing the market cap (stock price times number of outstanding shares) by total revenues. An alternate method is to divide current share price by sales per share. P/S indicates the value the market places on sales. The lower the P/S the better the value.

Price to Book Ratio
Book value is determined by subtracting liabilities from assets. The value of a growing company will always be more than book value because of the potential for future revenue. The price to book ratio (P/B) is the value the market places on the book value of the company. It is calculated by dividing the current price per share by the book value per share (book value / number of outstanding shares). Companies with a low P/B are good value and are often sought after by long term investors who see the potential of such companies.

Dividend Yield
Some investors are looking for shares that can maximize dividend income. Dividend yield is useful for determining the percentage return a company pays in the form of dividends. It is calculated by dividing the annual dividend per share by the share’s price per share. Usually it is the older, well-established companies that pay a higher percentage, and these companies also usually have a more consistent dividend history than younger companies.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – Securities Based Lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in actively traded securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.  Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

Click here for information about Securities Based Lending / Stock Loans

How do we understand the best use of these signals with reference to a Moving Average System?

One of the main problems with using moving average crossovers as actionable signals is that stocks may move or “whipsaw” back and forth across their moving average.  It is therefore an advantage to wait for a good “setup” before acting in order to avoid being whipsawed in and out of the stock (and to avoid excessive trading commissions).

Whipsawing occurs primarily when the stock is not trending. Traders use other tools to identify non-trending situations early so they can switch to strategies that work better in non-trending environments.

Most traders who use moving average crossover systems consider any extra trades they might make to be the price one must pay to be positioned correctly when the stock finally stops whipsawing and begins to trend.

In general, traders consider the benefit of the strategy to be that it enables a trader to enter a position close to the beginning of a trend and to leave near the end of the trend.  Some traders reduce the number of “false signals” by using the move of a short-term moving average across a longer-term moving average as the signal mechanism rather than the crossover by a stock’s price.

A 5-day moving average is less likely to whipsaw back and forth over a 50-day moving average than is the closing price of the stock.  Traders use combinations of moving averages (like 5 and 30, 5 and 50, 20 and 200, 10 and 100 and many others) based on how active they want to be as traders. The longer the moving average, the better established the trend it represents and the less likely it is to be generating a false signal.

On the other hand, longer moving averages give up more of the profit potential of a trade because they are slower in generating their signals.

There are tradeoffs here that only the individual trader can resolve through experience.   Remember that the rising trend of an undervalued stock is more likely to be sustained (less likely to break down) than the trend of an overpriced stock.

Price relative to earnings (PE or PE-ratio), sales (PSR or Price per Sales Ratio), and earnings rate-of-growth (PEG or PEG ratio) are among the factors that give fuel to the momentum of a trend.  Sometimes investor psychology does too, but trends based on psychology alone are more apt to undergo unexpected reversals.

The following rules pertain to moving average resistances, supports, and crossovers.

• Traders have tested both exponential and simple moving averages and have found that a simple moving average is preferable to an exponential moving average.  This is information you are not likely to find in the media where the common perception is that the faster exponential moving average is to be preferred.

• The longer the moving average, the more reliable these rules tend to be.  Many investors strictly adhere to the following moving average rules. However, we make no recommendations to buy or sell any specific stock.1. If the moving average line flattens out after a significant decline, or has begun to rise, and the price of the stock passes upward through the moving average line, it is considered to be a buy signal. The same holds true if the moving average flattens out or rises after the stock has passed upward through the moving average line.2. If the moving average is still rising aggressively and the price of the stock falls below the moving average, this is considered to be a buying opportunity.

  3. If the stock price is above the moving average, declines to the moving average but fails to go through it and starts to turn up again, this is a buy signal.

  4. If the moving average is declining and the stock price falls under it too fast, it is likely to return to the moving average. The stock can be bought to profit from this short-term snap-back. It is generally best to wait for some sign that the downward momentum is abating or that it has actually reversed before the purchase.

  5. If the moving average has been rising and then it flattens out, or if it is declining, and the price of the stock passes down through the moving average, it is considered to be a sell signal. The same thing holds true if the flattening out of the moving average or its decline occurs after the stock has passed downward through the moving average.

  6. If, while the moving average is falling, the price of the stock rises above the moving average, this is also an opportunity to sell at a good price before the stock resumes its decline.

  7. If the stock price rises toward a moving average from below, but fails to go through it and starts to turn down again, the resistance offered by the moving average is too strong for the stock and it is a sell signal.

8. If the stock price moves rapidly above the rising moving average line too fast, it is likely to have a reaction move back toward the moving average and the stock can be sold for a short-term technical reaction. It is generally best to wait for some sign that the upward momentum is abating or that it has actually reversed before the sale.

It is wise to use more than a moving average to define buy and sell points.  Shrewd investors learn to use a variety of indicators in concert.   It is also helpful if the stock’s fundamentals are in alignment with the signal generated.

For example, if the stock has given a buy signal, it is a big advantage if the stock is also undervalued. Following a discipline adds clarity and purpose to an individual’s trading.  It also enhances a person’s resolve when emotions run amok and the circumstances create confusion and indecision.

Since the financial markets have been turned up-side down and banks are not lending, one method of financing has gained a lot of attention – securities based lending.

Click here for information about Non-Purpose, Non-Recourse Loans

For those with money invested in marketable securities, there is a safe way to leverage your assets to cash-in on the tremendous RE investment opportunities currently available.

If you are a forward-thinking investor who wants to retain the future ownership of your assets as well as leverage the present value of your securities for immediate cash needs, this can be a terrific program.

These loans are –

• Simple & Quick – NO Credit Check / NO Income Verification / NO Upfront Fees / NO Closing Costs / NO Personal Guarantee
• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)
• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount
• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer
• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended
• Low Fixed Interest Rates – usually between 2% to 4%
• Loan Term – minimum of 3 yrs; also 5 yr / 7 yr / 10 yrs
• Quick Funded – usually within 5 to 7 business days

Click here for information about Securities Based Lending / Stock Loans

That’s not quite true.  In fact, you may have heard about what many are calling the Next-Big-Wave in financing – securities based lending. Stock loans, which are Non-recourse loans, are currently available at up to 80% LTV, based upon the security being used as collateral.

Securities Lending is a long-established process.  Hundreds of successful stock-lending transactions have been executed involving the American Stock Exchange (AMEX), National Stock Market and Small Cap Stock Market (NASDAQ), New York Stock Exchange (NYSE), Over-the-Counter Bulletin Board (OTCBB), and certain foreign exchanges.

Click here for information about Non-Purpose, Non-Recourse Loans

Stock loans make money available for those interested in taking advantage of investing in today’s Real Estate market.  For those people with money invested in marketable securities, there is a golden opportunity to cash-in on the tremendous RE investment opportunities now available.

Today, there are multiple commercial & residential RE properties available for about 30% to 50% of what they were only two years ago and stock loans can be used to purchase RE or for any other use – securities based loans are non-purpose / non-recourse loans.

Stock loan lending programs are designed for forward-thinking investors who wants to retain the future ownership of their assets as well as leverage the present value of their securities for immediate cash needs.

Get the facts about securities lending –

Click here for information about Securities Based Lending / Stock Loans

On the other hand, in determining whether or not we’re actually experiencing a world-wide credit crunch, let’s start to answer that question by offering a definition of what is a credit crunch.  Here’s one definition of a “Credit Crunch”, which claims private bankers are the real source of today’s financial problems that have evolved since the establishment of the Federal Reserve System.

“A panic-driven massive withdrawal of credit from all viable sections of society where today credit is desperately needed by the banks who have previously been engaged in the unsustainable, irresponsible and unfounded lending of fictitious money in massive amounts; largely to people who have no means of ever repaying it as agreed.”

With that said, you may say that’s quite an indictment of banks and the overall banking system, so let’s take a closer look at what triggered today’s credit crunch, which has now grown into a full-blown global recession and is clearly responsible for ruining countless peoples’ lives.

As a starting place, you must understand that “money is created by the banking system out of nothing”.

This is wrong, but unfortunately it’s the way it is.  Money is created when banks create debt instruments that are lent at interest to all sections of the community, including governments, international institutions, nationalized industries, big businesses, small and medium sized businesses, other banks  (big and small), insurance companies, hedge funds,  and, of course, private citizens.

This debt is mostly not considered non-repayable because any institution or anyone borrower who manages to repay this borrowed money, plus interest, does so at the cost of other borrowers not being able to perform.

Traditionally governments, even with their power of taxation, have not been able to repay the money they have borrowed.  The core lending is shoved into a pile and called the “national debt” or “treasury bonds”, or something like that.

Because this debt is unrepayable, the whole system is unworkable in the long run.  Sure, it can appear to be working for long periods, while lending is increasing and the amount of money in circulation is therefore keeping fairly constant in spite of large amounts being withdrawn through loan repayments.

But after a number of years the system always threatens to collapse, because there is a limit to the amount of “phony money” the banks can lend before their stockpile of real money – which was supported by gold in former times, now more likely treasury bills and other securities – threatens to dry up and destroy the solvency of the banks themselves.

Indeed, a large number of banks have collapsed in spite of calling a halt to further lending and in spite of billions having been pumped into the banking system by leading governments such as the United States and Great Britain.  Today, in spite of President Obama’s efforts with massive bail-out money being provided to American banks and recent stock market rallies, there are banks in the United States which are still folding.  Where is this heading?

The only people benefiting from all of this are the really huge banking houses such as the Rothschild dynasty and J.P. Morgan.  Today, even Goldman Sachs, who is now again profitable and still paying its fund managers unreasonable and obscene bonuses with taxpayers’ money, is in very dangerous waters.

It’s obvious from even a cursory survey of this situation that the system of having private bankers control the currency, which is an absolutely “control lever” over any economy, is sheer lunacy.  Today, private bankers use the incredible power which has been vested in them for centuries for their own enrichment and power, and the evil “hidden agenda” they pursue in their quest for global domination.

Consider this U-Tube video, which shows Alex Jones’ interview with the late Aaron Russo, producer of the movies “Trading Places” & “America: Freedom to Fascism” where Rocefeller reveals some startling details about the 911 FRAUD, the CFR, the global elite, and the New World Order to Aaron Russo and totally exposes their true agenda for world wide  domination by the global elite resulting in a New World Order.

You MUST SEE this telling video.  It will reveal some astonishing little know facts about how our lives are being manipulated and contolled by the global elite.  This video will shock & astound you.

In Great Britain private bankers have had this power unopposed since 1694, when the UK central bank, the Bank of England, was founded.  It kept its name even after the United Kingdom was formed from the union with Scotland and Ireland some years later.

In the United States there were several attempts to impose a central bank on the new republic early in the nineteenth century but each time these attempts were eventually rejected.  Ultimately they got their way.  In 1913, on Christmas Eve, while most people were going home to their families for the Christmas holiday, a small group of criminal plotters let by Nelson Aldrich, a corrupt senator whose daughter married a Rothschild, managed to get the Federal Reserve Bill passed before only a handful of senators, and economically enslave the United States.

Since then, of course, the USA has suffered the Great Depression of the 1930s, numerous financial panics (which the Federal Reserve Act of 1913 was supposed to put an end to), and an escalating level of public and private debt.  The mighty economic engine of the United States has gradually been withered away and is now in serious danger of complete collapse.

Thus is the story, or a small part of it, so far. The worst of the current recession is shortly to come.

Today, most people do not understand where inflation comes from, how our money is printed, and who is in charge of printing our money.  To make it worse the average American does not even know what the Constitution says about our government and money.

To keep it simple, the United States Constitution says in article 1, section 8. “[Congress shall have the power..] To coin Money, regulate the Value thereof, and of foreign coin, and fix the Standard of Weights and Measures”.  The Constitution does not give Congress the authority to print paper money themselves, let alone delegate control over monetary policy to a central bank.

Before the mid-twentieth century our currency was backed by an asset, more importantly it was backed by gold.  For the longest time in our country the dollar was worth 1/20 of an ounce of gold.  After the Federal Reserve was created in 1913 our government went on a mission to not only eliminate the gold standard but confiscate the gold from its citizens as well.

So you may ask why, why would the government do that?  Why would they disregard the Constitution? Well it wouldn’t be the first time and probably not the last.  The simple answer to those questions is this: When an asset such as gold backs money, government deficit spending is severely limited. With the creation of the Federal Reserve we have given the government the ability to have money printed out of thin air and allowed bankers to “create money from nothing”.

Like G. Edward Griffin said, “if you give someone the power to create money out of thin air, don’t be surprised when they create money out of thin air”.  The world we live in today goes like this – the Federal Reserve prints our money and lends it to our government at interest, then this loan is guaranteed by the taxpayers.

It is not a coincidence that the income tax was created in 1913, the same year the Federal Reserve act of 1913 was passed by congress.  The Federal Reserve is a private bank held by private stockholders.  We cannot audit the Federal Reserve.  It is not owned or run by the taxpayers or the federal government.

Although I speak from a minority position which is not well understood by most people, I say “let’s end the Federal Reserve”.  Congress does have the power to do that and we should demand that they do it.

Below is some quotes and text. There is a Federal Reserve Abolition Act that was brought to committee. It is called The Federal Reserve Board Abolition Act (H.R. 2755).  It is still sitting in committee in congress. With our congressional system, for many bills, this is the closest they will ever come to actually being debated on the floor of congress.  For this to change, we the people need to write our congressmen and demand they co-sponsor this and take it out of committee

Quotes:

G. Edward Griffin quotes:

“Inflation has now been institutionalized at a fairly constant 5% per year. This has been determined to be the optimum level for generating the most revenue without causing public alarm.  A five percent (5%) devaluation applies, not only to the money earned this year, but to all that is left over from previous years.  At the end of the first year, a dollar is worth 95 cents.  At the end of the second year, the 95 cents is reduced again by 5%, leaving its worth at 90 cents, and so on.  By the time a person has worked 20 years, the government will have confiscated 64% of every dollar he saved over those years.  By the time he has worked 45 years, the hidden tax will be 90%.  The government will take virtually everything a person saves over a lifetime”.

Rep. Ron Paul to Congress:

“Abolishing the Federal Reserve will allow Congress to reassert its constitutional authority over monetary policy.  The United States Constitution grants to Congress the authority to coin money and regulate the value of the currency.  The Constitution does not give Congress the authority to delegate control over monetary policy to a central bank.  Furthermore, the Constitution certainly does not empower the federal government to erode the American standard of living via an inflationary monetary policy.”

“In fact, Congress’ constitutional mandate regarding monetary policy should only permit currency backed by stable commodities such as silver and gold to be used as legal tender.  Therefore, abolishing the Federal Reserve and returning to a constitutional system will enable America to return to the type of monetary system envisioned by our nation’s founders: one where the value of money is consistent because it is tied to a commodity such as gold.  Such a monetary system is the basis of a true free-market economy.”

This discussion begs a few serious questions, namely -

1.  What will come of the world’s financial systems?

2.  Is it true that the “global elite” actually desire to establish a “One-World Order” with complete power of every citizen’s ability to purchase goods and live a life free from financial slavery?

3.  Should the Federal Reserve System be abolished?

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You will need to know a lot about real estate investing. The best way to optimize your real estate investing education is to know the basics ahead of time. You will get the most out of anything to do with short sales, bulk reo sales, virtual real estate and just improving real estate investor abilities by knowing some real estate investing basics. You should review these three real estate investing basics to learn things even some experts do not know:

1. You will always get a positive yield with real estate investing education. Every real estate deal has the potential to create thousands of dollars in potential wealth. Getting the wealth is the key to your success. Learning about real estate increases your chances of success when you do a real estate deal. Small investments yield big results when you invest in learning and then implement what you learn.

2. You have the ability to succeed in real estate investing in any economy. Many people think (wrongly) that you can only succeed in real estate when the economy booms. In fact a bad economy is not a bad economy for real estate investors. You will likely find properties that you can buy at deep discounts. Also, you might find deals that simply could not exist in a booming economy. Poor economies can have the tide turned based on real estate investing. When an economy is less than thriving, short sales, bulk reo sales and virtual real estate can prosper. You will be able to save yourself and others from serious financial difficulties if you know how to do these deals.

3. You do not need to have a great deal of money if you want to be a successful real estate investor. You can make a success of real estate investing no matter how much or little money you have. There are a lot of deals that you can do with other people’s money. Private lenders will lend you their money if they think you are a good investment. The best way to be a good investment is to know as much as possible about real estate investing. This will enable you to show people who have money for real estate investing but may not know how to use it that you are a good investment.

Real estate investing is a good way to generate a great deal of wealth. You will be able to create an income no matter what the economy. By using a base of knowledge of real estate investing, short sales, bulk reo sales and virtual real estate you can create success for yourself. You will be helped to succeed as a real estate investor by knowing real estate investing basics.

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A secured loan is loan that requires borrowers to offer their property as collateral. Bankers also call this an asset based loan. this reduces the risk for lenders and they charge low rates of interest. Unsecured loans, on the other hand, do not require collateral and consequently, they carry high rates of interest.

One type of secured loan you may not have considered is a securities loan where borrowers use their stocks or other securities to get non-recourse financing for any business or personal use.

As we all know that there are no free lunches in this world, but there can be affordable lunches, such as loans that use your assets in the form of a house or a car or your stock certificates as collateral. This basically means that you get cheap secured loans against the equity of your asset and if you default in paying the secured loans, the lender can liquidate your asset to recover his money.

So, what can you use secured loans for?  If it’s a securities loan, this type of loan is also known as a “non-purpose loan” because it may be used for any business or personal use. Secured loans offer the benefit of borrowing with lower interest rates and lower monthly repayments as compared to unsecured loans.  Securities loans are normally given with quarterly or semi-annual interest payments, however they can be structured to have no debt service payments.

In today’s world of economic uncertainties, for some it may be difficult to make ends meet, let alone save for a rainy day. For others, like corporate officers, such as the CEO or CFO of a company, who have common corporate stocks that they may not want to sell there may be a “golden opportunity” for them.  These people can use their corporate stocks to take advantage of today’s Real Estate prices which are significantly reduced and may offer opportunities to purchase RE for 40% to 50% of what it was appraised for only two years ago.
On the other hand, what do you do when faced with unforeseen expenses like a medical emergency? The easiest solution to this is acquiring a secured loan, which you may use as bridge loans in an emergency. With securities, you can easily apply for a secured loan, which will not only give you some emergency cash in hand, but also a relatively low interest that you can pay back overtime.

Securities lending through ICON Commercial Lending offers the following benefits:

• Simple & Quick – NO Credit Check / NO Income Verification/ NO Upfront Fees / NO Closing Costs / NO Personal Guarantee

• Loans are “Non-Purpose” – loan can be used for virtually anything borrower wants to accomplish (personal or business)

• Loans are “Non-Recourse” – giving the borrower the opportunity to simply “walk away” if the collateral falls below a set floor amount

• High Loan-to-Values – up to 80% LTV (depending upon security); which is much higher than banks and brokerage companies can offer

• Loans are Interest Only – principal payment at maturity; otherwise loans can be refinanced or extended

• Low Fixed Interest Rates – usually between 2% to 5%

• Loan Term Flexibility – minimum of 3 yrs; also 5 yr / 7 yr / 10 years

• Quick Funded – usually within 5 to 7 business days

• Borrower Maintains Beneficial Ownership – borrower keeps all upside market appreciation. In addition, borrower receives credit against their interest payment for all dividends or interest on bonds. An added benefit is that the lender is responsible for taxes on the dividends during the loan term. It is a loan (not a constructive sale) per section 1058 of the IRS Code.

• This is NOT a Margin Account Loan – A securities based loan is not a “margin account loan”. These loans have significant advantages over conventional margin loans. Here is some differences between ICON’s Securities-Based Lending and margin loans -

1. Typical Margin Loan – FULL Recourse loans — additional liability, fees, and penalties may be assessed.

ICON Securities Loan – 100% NON Recourse with NO Personal Liability; you may walk away from an ICON loan with no penalties & NO negative credit reporting.

2. Typical Margin Loan – For many brokerage houses, a credit requirement has been added as a qualifying factor.

ICON Securities Loan – ICON does NOT check your credit nor income.

3. Typical Margin Loan – 50% LTV ratio

ICON Securities Loan – Up to 80% LTV ratio; depending upon securities’ trading volume and liquidity.

4. Typical Margin Loan – Variable higher interest rates (typically 5% to 8% ARM’s)

ICON Securities Loan – Fixed lower interest rates from 2% to 5%

5. Typical Margin Loan – Not all NASDAQ, AMEX, NYSE stocks are “marginable.”

ICON Securities Loan – Loans available against all types of securities that qualify (including OTC:BB, “pink sheets”, and certain foreign exchanges).

6. Typical Margin Loan – are not allowed to lend on stocks valued at less than $10.00 per share.

ICON Securities Loan – we offer the loan on any share price.

7. Typical Margin Loan - If the share price drops below 75 percent to 80 percent of original total stock value, a margin call is initiated and may you normally have only one day to cure the default, which may result in the unwanted sale of your securities.

ICON Securities Loan – ICON has a flexible process to “cure” your loan default.  ICON’s “call” is set at 80% of the loan amount (approximately 65% of the stock value) and we offer 5 days to cure the default instead of only one day.  Since ICON’s loans are non-recourse loans, if the borrower cannot cure the loan default they may simply walk away.

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