SuccessQuest

Affiliate Marketing for Beginners, Part 1

2008-12-10T14:50:00.000-08:00

Today we begin a weekly series on affiliate marketing. On other days, we will publish articles on different subjects, so stay tuned to the NEW SUCCESSQUEST BLOG!

Here is part 1 of this exciting new series:

Welcome to the first article in our new series, Affiliate Marketing For Beginners.

In each article of Affiliate Marketing For Beginners you will learn
valuable information on how you can successfully start and
manage your own affiliate business.

Inside this first issue were going to go over the basics of affiliate
marketing so you know exactly what you're getting into.

Affiliate marketing can provide you with the opportunity to earn
money doing what you are good at.

Affiliate marketing can also allow you to use your skills and
expertise for your own financial gain, rather than the financial
gain of your company or boss.

Finally, affiliate marketing is one of the easiest ways to start your
own home business without a big investment or risk.

Affiliate marketing can do all of those things and more.

First, affiliate marketing is perfect for the independent hardworking
individual. Many of us are stuck in day to day jobs. We work
incredibly hard and receive little reward. There is nearly no
incentive to work harder.

When you work in the field of affiliate marketing (dare I say)
the world is your oyster. You are paid by your performance so
the harder you work, and the more money you will make. When
you work as an affiliate, you are working as a representative of
another company. However, your reward is directly linked with
what you produce. If you're someone who frequently gets good
results at work then this could be a great opportunity for you.

Next affiliate marketing can provide the opportunity to earn
money by doing something that you love and that you are
good at.

If you have a knack for sales and marketing then affiliate
marketing may be perfect for you. If you are creative and
used to hard work then chances are you will be able to make
an excellent living with affiliate marketing. As an affiliate,
anything that you do to increase sales or traffic if it is Internet
based will benefit you directly. The company or boss that you
used to work for won't be getting rich while you stay poor.
You're the one who will reap the rewards instead.

Finally, affiliate marketing can be the easiest way for you to
get started with your own business at nearly no cost or risk.
Many of us would love to work for ourselves. The two main
reasons why we don't are the money and risk.

Traditionally when you think about starting your own business
you think about the amount of capital you will need and the risk
involved, especially when statistics show that more than half
of small businesses fail in the first year. Affiliate marketing can
get you started working for yourself with virtually no capital, and
no risk. Doesn't that sound good?

When you start your affiliate marketing business and join an
affiliate program the product owner provides the products,
delivery and most of the time the advertising materials.
All you have to do as an affiliate is concentrate on the
promotion and the selling. Most affiliate programs are free
and you are paid a percentage of the sale according to how
many referrals or sales that you make in their behalf.

If you have dreamed of working for yourself then affiliate
marketing can be your dream come true. You can make
money based on your hard work. You are the one rewarded
for your efforts, not a boss or a group of shareholders. You
don't have to worry about financial risk. The head company
will take care of all the details, allowing you to use your skills to
the best of your ability. If you're creative, hardworking and want
to be your own boss, consider the world of affiliate marketing.
Your skills and expertise could be increasing your bank
balance, not someone else’s.

Welcome to the World of Affiliate Marketing!

Make sure you look for your next article soon. We will be talking
about who should consider becoming an affiliate marketer.

In the meantime you should check out our global business related website, OffshorEarnings! OffshorEarnings gives you much more than just the stale, old, "traditional advice" and "resources" offered by your garden variety website. We give you expert advice, tips, and resources that help you to MAKE MONEY ONLINE but, more importantly, show you how to keep what you make!

OffshorEarnings is your total global business portal. Check us out TODAY, you'll be glad you did!

P.S. We have a lot of exciting resources available to you for FREE when you visit our site.

2007-07-02T08:17:00.001-07:00

I love you. I'm sorry. I forgive you. Thank you.

For those of you who read your email yesterday to the Real Truth list, you may recall the PEERS message I forwarded, inviting you to listen to an interview with Joe Vitale.

Joe has become pretty famous worldwide, both in his internet marketing work and also his more spiritual work, for which he was featured in the famous "The Secret" film.

But what Joe is working on now is way beyond "The Secret." In fact, it is the next logical step, which is taking personal responsibility for everything that happens around us.

That may seem bizarre, but if you think about it, it will ring true to you. I know it always has for me. We are responsible, ultimately, for what happens in our world around us.

I know this sounds rather bizarre, and if you haven't yet watched or listened to The Secret, you really should before you go on to this next level.

Joe's soon coming book, "Zero Limit" will pick up where his earlier works left off.

In the fascinating interview I listened to yesterday, he tells the story of a Dr. Len, who in the 1960's in Hawaii cured an entire ward of the criminally insane that no one else had been able to cure. He did it by taking the patient's files and saying over and over again over the file the phrases above: "I love you. I'm sorry. Please forgive me. Thank you."

Miraculously all but 2 of the patients were made well, and amazingly, Dr. Len didn't see or treat any of them. These phrases come from ancient practices in the Hawaiian religion, which I am told is the ONLY religion officially banned by the US government. In fact, according to what a native Hawaiian told me years ago, there are certain books which are banned from leaving Hawaii.

This man claimed to be the son of the Big Kohona, and claimed to be his heir. Apparently, his father was the first to travel to Tibet, and compare the ancient knowledge of both places.

His father was able to teleport himself and had other interesting abilities.

If you recall, years ago Texxe Mars wrote a book in which he dealt with the "Warrior Monks" used and trained by the Black Opps boys of the US military to conduct psychic warfare on others. This was way beyond remote viewing, and I have reason to believe that this person of my acquaintance was one of these.

I have had other strange encounters over the years with this strange type of operative, including 2 years where a high level Mason was attempting to recruit me into the upper levels of that order, skipping all of the lower degrees and just stepping off at his high level.

He tempted me with riches, political power, and other perks, but of course my commitment is to God, and he eventually gave up. This is, of course, indirect vindication of who and what I am, but that is not a topic for discussion at this time.

But I digress.

The point is that Joe Vitale has hit upon something quite real, and quite "unthinkable" for most people. It goes beyond what is said in The Secret, and makes it quite clear that, indeed, "we create reality."

In fact, Christ said the same things in the New Testament, except that His listeners were not able to understand it at that time, and it has been covered up by organized religion. But, this same theme is elsewhere in the Bible as well, if you can dare to look.

In the Psalms, it says "Ye are gods."

And Christ said, "The Kingdom of God is within you," but man has mistranslated it to say "among you."

Furthermore, as Herbert Armstrong discovered years ago, it is God's intent and design for us to, in his words, "Become god as God is god."

Yes, it's all over your Bible if you care to look. In fact, this theme is the FOCAL POINT of the Bible because that is the transcendent purpose in all human life.

God has revealed many things to me in addition to this simple truth, but it's a great place to start. I suggest, if you haven't done so already, that you read Mr. Armstrong's landmark book, "The Incredible Human Potential," which is in our Basic Literature section of our website library.

http://www.destiny-worldwide.net/rcg/library.htm

As I am learning, though, there is more to this story, and we have as yet only begun to scratch the surface. I will be writing and speaking on these important subjects in the near future.

However, one thing that is still absolutely true is that we need to have the CHARACTER to go with the power that will someday soon be ours. And we can learn that character through a study of God's way of life, which is summed up in His law of love.

But one of our first steps along the way, is to transform and cleanse our lives, and we can start with Joe's phrases.

Think carefully about what each of these means:

"I love you." Christ told us to LOVE our enemies and BLESS THOSE WHO CURSE YOU. It might seem crazy to most, but this is the first step upwards, and can have tremendous impact, as Dr. Len learned first hand.

"I'm sorry." It take REAL HUMILITY to say we are sorry and really mean it, even while we may still think we are in the right.

"I forgive you." Christ instructed us to forgive and forgive and forgive. The disciples were perplexed by this. They even asked Him, "If a brother offends me 7 times, shall I still forgive him?" And Christ's answer was, "70 X 7." In other words our ability and power to forgive should be almost INFINITE.

"Thank you." As I have discussed before, many times we have a problem because we lack an ATTITUDE OF GRATITUDE. Today, so many people think they are ENTITLED to this or entitled to that.

And, if you are "entitled" to something, then you often forget to say "thank you."

But saying "thank you" and being truly grateful is one of the first rungs to true success. When we can give honest, sincere, humble THANKS for what we already have, or for what someone else has done for us, then the universe acknowledges that and GIVES US MORE OF THE SAME.

That is one of the fundamental principles of the Bible and of The Secret and other books like "The Science of Getting Rich," etc., etc.

It all has to do with the Law of Attraction, which God set in motion at the begining. And an attitude of gratitude actually attracts MORE of the good into our lives.

We must learn to say "thank you" and be truly grateful for what we have, and then, the universal law of attraction says we can have MORE of it.

And of course, it works the other way around. If we always think about our PROBLEMS, then we will attract more of those problems into our lives.

But of course, the "attitude of gratitude" short circuits this problem, and attracts more abundance into our lives.

I am very thankful that God is opening my eyes on these subjects more and more. As the Apostle Paul so wisely stated, we should think on "whatever things are good, whatever things are pure...." If we do that, then we will attract more of the good into our lives.

Come to think of it, Paul had another word of wisdom that escaped me until just now. He said that whatever state he found himself in, he was "therewith content," and could actually REJOICE in the midst of his adversities.

It seems like Paul knew these truths millenia ago, and only now are we beginning to rediscover them.

Which brings to mind something out of Joe Vitale's story. Joe was not always the wealthy internet marketer and success coach that he is today. At one point in his life, he was flat broke and living out of his car.

Then, he began to discover the Law of Attraction, found things to give thanks for in his dire circumstances, began to think positive instead of negative thoughts, and the rest is history.

As Mr. Armstrong said over and over again, we are to be "teachers in the world tomorrow." He said that teaching is actually the highest calling one can attain to. Especially when we are to teach the right way of life.

But, in order to become teachers THEN, we must be good STUDENTS NOW.

There is no way around it. In order to teach, we must first learn God's way of life ourselves. We can't teach that which we do not know or understand.

So, let's be good students in this life. Let's learn how to be grateful. Let's learn to love. Let's learn to say we are sorry. and let's learn to forgive.

In fact, it might be a good idea to write these phrases down. Memorize them, and inculcate them into your life. And that will be the first step upon the road of learning God's way of GIVE and forsaking this world's evil way of GET.

John

--
--<>-- --<<<+>>>-- --<>--
----> Discover the Secret Mysteries of the Ages!
http://www.destiny-worldwide.net/rcg/mystery/contents.htm
--<>-- --<<<+>>>-- --<>--

2007-06-06T10:00:00.000-07:00

There are three levels of "Mind" at work 24/7 in delivering our wishes, desires, and of course all those most UN-wanted things in accordance with our thoughts. To remind ourselves, these levels of Mind are as follows: 1. The Conscious Mind: This is the aspect of our Mind that interacts with the physical world through the five physical senses - our conscious awareness. The conscious Mind is still, in many people, motivated by the demands of the ego and by driven by a desire to collect material things. The survival instinct is also a powerful aspect of the conscious Mind. 2. The Subconscious Mind: This is the aspect of our Mind that is infinitely powerful. Any thought, positive, negative or neutral that is impressed upon the Subconscious Mind will be brought in to our physical experiential reality sooner or later with immutable certainty. The Subconscious Mind never judges a thought - every thought is always automatically deemed to be the desire of the individual and will be processed accordingly. 3. The Universal Mind: The Universal Mind is the Mind of God in which we live and move and have our being, and Who is at once Infinite and Eternal, Perfect, Omniscient, Omnipotent and Omnipresent and Who has always existed and always will exist. We, as humans, as with all Creation exist as Thought Forms in the infinite Mind of God. Our Subconscious Mind, when presented with a thought from the conscious Mind, will either act directly on our body if the thought is of that nature, or with the Universal Mind of which we are all inseparable aspects. Moving on to our Wheel we can see how The various levels of Mind fit this metaphor extremely well. If we examine a wooden cart wheel it fundamentally comprises the following: 1. The Hub: Positioned at the centre of the wheel the Hub represents the Universal Mind, The 'First Cause', The Source of All that Is. 2. The Spokes: Radiating out from the Hub, each spoke represents an individual human being, a race, a nation, a Galaxy, Star or Planet - indeed anything in creation. As evolution takes place, vibration increases, an consciousness travels up its own unique spoke until finally the vibration is such that it approaches that of The Hub, The Source. 3. The Rim: The Rim may be regarded as the cycles of life - these are the same cycles of Life for example that the Maya observed, charted, and used as a basis for their calendrical systems, astrology and of course predictions. As a point along each spoke - which we will consider to be a human being in this case - is further and further from the hub, the more the illusion of separation is perpetuated. It is an illusion of course because in reality we all share the same connection at the Hub. Now, as the Wheel of Life begins to slowly revolve, so we experience, and as the wheel connects with the ground, so we bear the weight of that experience. But here is the important thing. Because everything in the Universe is connected by the same Ultimate Wheel of Life, of which all other wheels are simply cogs on the Great Universal Mechanism, each experience is shared by every other wheel, and also transmitted back long the spokes to The Source. The Source therefore receives the benefit of All such experiences as individuated wheels turn, and in so doing The Source Experiences and thereby Expands - and thus the Universe is in a perpetual state of expansion. As mentioned before, as the wheel turns we observe the cycles of life. These cycles can be infinitesimally small, or they can be so large as to be beyond the comprehension of humans. Everything takes place in Cycles at an individual level, rising and setting of the Sun, the passage of the seasons and so on. The Mayan Long Count calendar measured such cycles, observing the fact that a great cycle comes to an end on 21 December 2012 - an event the effects of which extend far beyond Earth itself. The Galaxy in which we live has a centre - The Galactic Centre, around which the wheel revolves, and which exerts a profound influence in accordance with its own Wheel of Life. So there is nothing mysterious about 2012 - it is a wheel that has been turning since the Galaxy was thought into existence by the Universal Mind, and will continue until one day the Galaxy continues its own journey back to The Source. 2012 therefore is not a "prophesy" it is a "prediction" based upon the Galactic Wheel of Life. But we should never fear any Wheel of Life. The Universal Mind knows only Unconditional Love, and would never "harm" anything in Creation. However - humans can harm themselves, and that is why each and every person must understand these things, and look forward to whatever is to come with great joy and expectation, knowing that it is ultimately for the greater good at all levels.

2005-06-23T11:31:00.000-07:00

NOTES: PT Shamrock is a legitimate company, but they
are mostly a reaseller of other people's products and
services at a considerable mark up. Then again, you
may not be able to find it on your own!

In the meantime, if you are only beginning your
financial privacy quest, may we recomend that you use
our own Offshorearnings.com system as an alternative
transaction system.

We feature worldwide cash deposits into the system,
easy withdrawals by check or ACH in those same
countries, plus a tie in to all of the major
e-currencies!

And coming soon will be our brand new MULTICART
shopping cart system, so that merchants can receive
dozens of forms of payment without fuss and have the
transactions processed offshore in our system!

And, for your savings, we will soon have some
attractive options, including investing in mortgages
worldwide.

And we also strongly recommend that any of your
excess money be stored in the Pecunix gold backed
currency, whose servers, offices, and gold are all
safely offshore and private!

We need to start using FREEDOM enhancing systems to
build our freedom, and stop giving power to those who
seek to brand us like cattle, confiscate our funds at
will, and basicaly think they can do as they damn
well please with us and our assets.

JUST SAY NO!

Read this explosive report below, and start
transacting your business ELSEWHERE and in other
currencies!

John

----------------- Original Message ------------------
Subject: Advisory - The banking saga sadly continues!
From: "PT Shamrock"
Date: Thu, June 23, 2005 8:43 pm

-----------------------------------------------------

Advisory - The banking saga sadly continues!

Dear Subscribers:
We have been deluged with e-mails regarding our June
16th advisory. We've tried to answer each and every
e-mail as best possible. However in the event you
have not received a reply, please bear with us.
We'll get back to you ASAP. Thank you for your
understanding.

Further to our June 16th Advisory, "Offshore banking
takes a turn
for the worse!" the banking saga sadly continues.

Much like Amerika's terrorist watch list, your
banking name and
details are being watched just as carefully as well.
Not just in
the USA, but worldwide!

If you have a common name like Smith, Jones, Nelson,
Patel, Singh, Mendez, Lopez, Lee, etc. watch out. Not
only is the money in your
bank account at risk, but money being sent to you may
very well be frozen and lost forever!

Basically today's banking reality is what the
Terrocracts have
accomplished intentionally. "You're guilty until and
unless you
prove yourself innocent."

After our June 16th banking advisory went out, a long
time associate emailed us the following;

He instructed that a bank wire be sent to a private
individual who has a very common surname. The
beneficiary has a bank account with a major Swiss
bank in his own name where the funds were to be wired
to. The sending bank was in Latvia.

Surprise, surprise, the "outgoing" wire was frozen.
Why? Because
the beneficiaries common *surname* was on the OFCA
list for
terrorist and drug dealers. A search of the OFCA list
showed
thousands of persons with same surname on the list.
Worldwide there must be millions of persons with the
same surnames. Crazy isn't it?

In order to secure the release of the outgoing wire,
a notarized
passport copy from the "beneficiary" along with their
verifiable
address was required. All was supplied nearly two
weeks ago with a few expletives deleted. As of this
writing the funds just
arrived, albeit at the price of the total loss of
privacy, and
with considerable consternation for the beneficiary.

How much money was involved with the above wire you
ask? One
million dollars? No. Five hundred thousand dollars?
No again. A
hundred thousand US dollars? No yet again. Fifty
Thousand? No.
Okay then US$25,000? Once again an emphatic NO.

A mere US$1,500 was the amount involved in the above
debacle. One
Thousand Five Hundred USD, get it? This is a travesty
of justice
and the public just takes it on the chin without
saying a thing,
mainly because they're so dumbed down and brainwashed
that they
believe it's for their own good. Simply amazing isn't
it?

The culprit in this real life horror show? A USD wire
transfer and, a common "sic", surname!

We recommend in the strongest possible terms to avoid
like the
plague the sending and receiving of USD by wire
transfer. If and
only if you really have to send/receive USD, use a
corespondent bank like the one we do that is in
mainland China! [See alternative Nrb. 2 below.] This
way any USD wires sent or received OUTSIDE Amerika DO
NOT pass through the US banking system. Instead the
USD are routed via China, which is very kosher
indeed.

The saving salvation for all this banking craziness,
and it is
crazy, is that the paper being created by these newly
(US) created (under threat) compliance requirements,
will eventually cause the system to crash. How long
might that be? Your guess is as good as ours.
Remember it only took around 70 years for the former
Soviet Union to collapse. We predict that Amerika's
banking system will topple in much less
time due to the paper requirements being shoved down
the throats of banks worldwide and their complacent
customers.

The paper chase, as we call it, has been going on for
about 15 years now in the US. After 9/11 Bush took it
to a much higher level and
the result is the paper and compliance requirements
are reaching
astounding and soon to be untenable levels.

You might not agree with us on the above, but many of
you called the $60 per barrel oil prediction (when it
was only $40 per barrel,)
made in our newsletter earlier this year, crazy.
However as we
politely remind you, oil just passed $59.50 per
barrel the other day and is heading higher. If one
thinks about these matters carefully, today's oil has
yet to reach the 1980's (adjusted to inflation)
US$90 per barrel high! That means oil could easily
rise another
50% to match the 1980's highs. Ditto for gold, silver
and most
other commodities. If that were to happen, all hell
will break
loose and it could signal a financial and economic
meltdown of
Titanic proportions!

It doesn't take an Einstein to realize that with the
banks requiring compliance on a messily US$1500 wire
transfer, you can image what
happens when larger amounts are involved. The amount
of paper work that is being generated must be
staggering! It will become impossible
to vet all the compliance reports at some point in
the foreseeable future. Place all of the above, along
with a very weak and still
declining USD, and there are very serious
consequences laying ahead that all should be aware
of.

One really needs to sit back and reflect on today's
Terrocracts, their motivates and laws, i.e. The
Department of Terrifying the Homeland, Patriot Acts I
and II and so forth.

Understand we're all for fighting crime and stopping
terrorism of
ALL sorts, including government terrorism. But this
recent banking debacle is a bit overkill to put it
mildly. Unfortunately we don't see it getting any
better. Those who resist will be crushed, ground up
into a fine powder and blow away. IMO the US is
simply too
powerful for its own good.

The real purpose behind all this banking hoopla and
brouhaha has little to do with fighting terrorism and
crime. It has EVERYTHING to do
with the policing of your money, knowing where it is,
and the taxing thereof by the Terrocracts.

In spite of all of the above, there still remains a
few legal
alternatives in today's banking world. As we did in
our June 16th
advisory, they'll be repeated in a moment. First here
are some
financial and privacy considerations which we believe
merits your
urgent attention:

For those with less than US$50,000 or the equivalent
in other
currencies, placing your funds on one, two or even
three no name ATM cards might be the way for you to
go. If your cards all of a sudden and without notice,
are limited to a US$1,000 per day, per card
withdrawal, having two or three cards could be a life
saver. Its
something worth considering!

Be advised, technically when entering or leaving the
US and some
Western European Union countries with an ATM card in
your pocket or purse, the card is or could be
considered a "bearer instrument."
Having more than US$10,000 or equivalent on your person
(including the card,) subjects you to TCR reporting
requirements,
i.e. a Treasury Currency Report. In France the amount
is only
Euro 6,000 that triggers you legally being required
to report the
money on you.

For those with liquid assets of US$50,000 to
US$250,000 or the
equivalent, we suggest you pay taxes on that money,
then move it
offshore to a respected bank. Be advised in today's
banking climate if you are a Yankee, many banks will
simply refuse to accept you
as a client as they do not wish to be placed under
Amerika's thumb anymore than they already have.

If accepted, they will certainly report your account
and income to the American authorities and will
require that you sign a "waiver" form to that effect.
No joy in that is there?

It's not much better for our European Union friends
either.
The directive on EU taxation of interest income,
which looks likely to come into force on July 1,
2005, is intended to ensure that EU
taxpayers pay tax on interest generated outside their
country of
residence.

One legal loophole around this (so far,) is to have a
company account with a company from Panama, St.
Kitts, the Seychelles, etc. A mail accommodation
address OUTSIDE the EU could be beneficial to your
banking health as well.

Those with assets of a quarter million USD and up
should seriously consider a second nationality and or
a legal residency outside your home country. Now is
the time to start because according to our
excellent inside sources, the US Terrocracts are
starting phase
three of their Terrocractic assault on privacy, i.e.
forcing other nations to start reporting all resident
Americans/foreigners to
their respected home countries. By obtaining legal
residency now, you will more likely than not be
grandfathered in under existing laws that do not
require the reporting of your presence in your new
country of residence, or the acquisition of your new
nationality to your home authorities. That is a very
serious consideration!

A recent trip to Dubai offered some very interesting
and flexible
residency opportunities for PT's. Coupled with deluxe
apartments and condominiums, legal residency in Dubai
is certainly worth a look into. More on Dubai
residency in a future issue.

We have been inundated with requests asking us which
banks are best? Whilst there is not any one answer
that is best for everyone,as
everyone has their own requirements,) we do offer
some interesting options.

For those with the liquid assets, there is an
excellent bank called AIG Private Bank Ltd.
Switzerland. They have three branches in
Switzerland with headquarters in Zurich and branches
in Geneva
and Duebendorf. Although a personal visit is required
with a
US$100,000 minimum opening balance, they have offices
in Hong Kong, Singapore and São Paulo, Brazil, all of
which offers excellent
investment vehicles for their clients. Definitely
recommended!

Contact;
AIG Private Bank AG
P.O. Box 1376
CH-8021 Zurich
Switzerland

In the event you can not take the time and an
extensive trip
overseas, we have an excellent Swiss alternative.
This Swiss bank does NOT require a personal visit and
they only require a US$5,000 (or
equivalent) opening deposit. They offer brokerage
accounts as well as excellent investment services,
all with first rate Internet banking.

The best news of all is that you can open this
prestigious Swiss bank account via the mail in only a
few weeks time with only a notarized passport copy.
No personal visit necessary nor any intrusive
questions or utility bills with this Swiss bank. [See
alternative Nrb. 3 below.]

Another important consideration for some is the
possibility of obtaining a banking passport. All our
banks listed below accept our banking
passports. However be advised, our banking passport
sources have told us in no uncertain terms that
henceforth they are only going to issue one banking
passport per week, period. That means just two
banking passport orders per week will be available,
e.g. one for each of the two countries where the
banking passports are secured. Our banking passport
sources say they are strictly enforcing this new
policy in order to maintain
the integrity of the programs and in order to prevent
the unwanted attention from insecure governments. Do
govern yourselves accordingly.

See http://www.ptshamrock.com/auto/$4999.html for
additional
information on banking passports.

Whilst PT Shamrock does not have the definitive
answers to all of today's banking and privacy
problems, we do have our fingers pretty well on the
pulse of matters and keep our customers and
subscribers updated as best as possible. We try hard
to bring you the latest and best privacy
news and products that we have located from honest
and reliable sources. In today's world, that's no
easy task and is becoming increasingly more
difficult.

Hope the above (and below) helps.

See you with our next PTBuzz issue, July 2005.

PT Shamrock

Alternative 1: A Western European bank account that
can be opened
via the mail, with Internet banking and a personal or
company bank account. Minimum opening deposit
required to open this account is
US$25,000 or the Euro, CHf equivalent. Our cost to
you is Euro
1,000 for the bank account. Add Euro 1,450 for an off
the shelf
bearer share company. This account could be your best
long term
account.

Alternative 2: Asian company bank account. This bank
is located
within the former CIS countries, but is very kosher.
Their USD
correspond bank is in CHINA, not the USA!

Comes with Internet banking, an ATM card with
unlimited daily
withdrawals (from source,) and a bearer share company
for Euro 2450. Opening account deposit is only
USD/Eur 500.

Alternative 3: Swiss bank account. This a particular
goody because it can be opened reasonably fast and
the opening deposit is minimal. Personal accounts
only are available at this time. Includes
brokerage account and Internet banking. Notarized
Passport copy
required. Cost is Euro 1500.

Alternative 4: Lithuanian bank account: Don't
discount this account, because the bank account is
opened locally by the branch of a
prestigious European Union bank. Internet banking,
ATM card and NO, repeat NO notarizations required!!!

Cost for a bearer share company, company account as
above, just Euro 2450.

Alternative 5: St. Kitts company and St. Kitts bank
account. This
could be a real winner, albeit notarized passport
copy and utility bill required. Includes easy to use
Internet banking and an ATM
card with a minimal opening deposit. Your cost, Euro
2995.

Alternative 6: Our USD/Eur 12,000 monthly withdrawal,
no name no ID ATM card. This ATM card is NOT from
Latvia and is hard to find.
See http://www.ptshamrock.com/nonameatm.htm for
details. Cost,
including courier charges is Euro 545.

Alternative 7: This no name ATM card is for the
serious player only. No name appears on the card and
there is a whopping 150,000 USD
monthly withdrawal limit (US$5,000 daily limit.) Best
of all the
card is from a very strong country and the card
NEVER, repeat, NEVER expires. See
http://www.ptshamrock.com/auto/60katm.htm for
details. Cost is US$1,320 and there is a very limited
supply available at
this time. Set up times for the above varies. In
most cases the no name no ID ATM cards are sent to
you by courier within a few working days after we
receive cleared funds. The bank account opening
process varies widely. Expect 4 weeks plus to get an
account opened in today's business world.

Remember there is a nice discount on the above
products to our
customers who, like ourselves, have been hurt by
recent Latvian
banking laws and have had, or will have their bank
accounts and or ATM cards terminated.

PS Please note; there will most likely be a
substantial price
increase for the bank products above, due to these
recent government restrictions on bank accounts and
the extreme scarcity of same.
Take action now to avoid future price hikes.

To order at our secure on-line order form, proceed to
https://www.ptshamrock.com/order_bwe.html

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INTgold does it again!

2005-01-21T10:50:00.000-08:00

When Capital X complained about Intgold, we took it
with a grain of salt, because Capital X is themselves
a marginal company at best, and we would never trust
them with our money.

But now, just today on the e-gold list, a long
standing and reputable exchange provider has announced
that INTgold has just screwed them.

Frnakly, if the attitude displayed by their staff is
as described below, that is reason enough for concern.

Anyway, here is the post. My suggestion is that as
soon as money comes into Intgold or your Ingold card,
take it out immediately, don't leave it sit around.

John

Subject: [e-gold-list] INTGOLD ALERT !
Date: 20 Jan 2005 17:39
From: "Incremental Gold"
Save Addresses
Apparently from:
bounce-e-gold-list-510723@talk.e-gold.com
To: "e-gold Discussion"

Our intgold account has been locked yesterday without
any reason or
withour prior alert.

We tried to call Intgold to the phone numbers listed
on their website but
noboby picked-up the phone.
After hours of searching we found Jeff (part of
Intgold management)who
said that Intgold can lock any account for any reason.
He said that he
doesn't have time for me and if we want to have our
Intgold unlock, we
have to send them some documents.
We agree and understand something caused this
"locking" even there is not
reason according with Intgold's terms of use BUT a we
wanted to be emailed
before of locking.

Intgold didn't send us any email until now.Not even
that our Intgold has
been locked.

In their "TERMS" is written :
"IntGold reserves the right to request detailed
information from anyone
opening or using a IntGold account for business or
resale
purposes...Failure to comply with demand within 5
business days could
result in account monitoring and or closing."

BUT they locked our account before I called Jeff !!!

Also, I don't see any reason (which are listed on
their website TOS) for
them to locking our account.

We always comply with the payment systems rules and we
always sent the
money back when these one requested us.

Jeff (from Intgold) told me to send them some
documents by fax but their
fax machine doesn't work. I told him this thing but
with an air of
superiority he said that the fax machine is dedicated
only for faxes and
it works very well.
I tried to send the fax for over 30 times but there is
no tone for
fax..there is only a voice mail.

We sent the documents by email but no answer from
them.

If someone from Intgold read this post, please reply
because we don't want
to take further actions (i don't like this).

I didn't belive until now that all it is written at
http://www.intgoldsucks.com is true BUT now I do it!

Intgold, we want our account unlocked..nothing more.
We don't have a lot
of funds there but they are our money and they are
earned from legal !

Thank you,

=====
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Rumors about e-gold

2005-01-20T10:19:00.000-08:00

Some idiot has been spreading nasty rumors lately
about egold going out of business.

As far as we can tell, it is nothing but garbage. We
have been with egold for a LONG time and we are
confident this is pure trash.

Here is what has been found out about this jerk:
====================================

Subscribers of the e-gold mailing list, we have an
agent provocateur
amongst us, someone who has decided to spread a nasty
rumour about Egold
to suit his personal agenda:

As you might be aware, someone (and his own crownies)
has passed the last
24 hours to post A LOT OF messages on several
e-currencies message board
but mainly TALKGOLD regarding a rumour about E-gold
closing next month
after supposedly his 8 bank accounts were closed by
the security
department of the Bank Of America.

He and his friends have posted on virtually almost
every forum on
Talkgold. One of the threads (amongst a DOZEN posted
!!) generated as many
as 5 pages within only a few hours and was read 1644
times !

You can have an example by checking those links:
http://www.talkgold.com/forum/index.php?showtopic=23832
http://www.talkgold.com/forum/index.php?showtopic=23853
(which is a poll
called "Is the end of E-gold near ?"
http://www.talkgold.com/forum/index.php?showtopic=23881
http://www.talkgold.com/forum/index.php?showtopic=23834
http://www.talkgold.com/forum/index.php?showtopic=23874
etc.

And that was just on TALKGOLD and within the last 24
hours (or less) !

The man behind the doomsday rumour is "asap1000",
joined 1 year ago and
posted 53 posts so far.

After a little investigation on this shady character,
another member of
TALKGOLD found out that he operates the website:
http://www.pay-mart.com
and is heavily involved in the exchange of E-gold
and... and... PICPAY !!!
And you know as far as i know how PICPAY has became
worthless the last few
months... So do you get my point ? Do you get the
connection between the
rumour he spread about Egold and his PICPAY exchanges
?

If you still don't or you want some more proof, check
this interesting
link:
http://www.pipsexchangers.biz/modules.php?name=Forums&file=viewtopic&t=118

As you can see, Mr "ASAP" has been busy lately...

I hope the people at Egold take the appropriate
measures against him and
take him to the cleaner with their lawyers to have
caused a HUGE panic in
this arena.

=====
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Life Lessons

2005-01-14T08:50:00.000-08:00

Five (5) lessons to make you think about the way
we treat people.

1 - First Important Lesson -
Cleaning Lady.
During my second month of college, our professor
gave us a pop quiz. I was a conscientious student and
had breezed through the questions until I read the
last one:

"What is the first name of the woman who cleans
the school?"

Surely this was some kind of joke.
I had seen the cleaning woman several
times.
She was tall, dark-haired and in her 50s, but how
would I know her name?
I handed in my paper, leaving the last
question blank. Just before class ended, one student
asked if the last question would count
toward our quiz grade.

"Absolutely," said the professor.
"In your careers, you will meet many people. All
are significant. They deserve your attention and care,
even if all you do is smile and say "hello".

I've never forgotten that lesson. I also learned her
name was Dorothy.

~~~~~~~

2. - Second Important Lesson -
Pickup in the rain one night, at 11.30
p.m.,
an older African American woman
was standing on the side of an Alabama highway
trying to endure a lashing rainstorm.
Her car had broken down and she desperately
needed a ride.
Soaking wet, she decided to flag down the
next car.
A young white man stopped to help her, generally
unheard of in those
conflict-filled 1960s.
The man took her to safety, helped her get
assistance and put her into a taxicab.
She seemed to be in a big hurry, but wrote down his
address and thanked him.

Seven days went by and a knock came on the
man's door.
To his surprise, a giant console color TV was
delivered to his home.
A special note was attached..
It read: "Thank you so much for assisting me on the
highway the other
night.
The rain drenched not only my clothes, but
also my spirits.
Then you came along.
Because of you, I was able to make it to my dying
husband's bedside just before he passed away.
God bless you for helping me and unselfishly
serving others."
Sincerely, Mrs. Nat King Cole.

3 - Third Important Lesson -
Always remember those who serve.
In the days when an ice cream sundae cost
much less,
a 10 -year-old boy entered a hotel coffee shop and
sat at a table.
A waitress put a glass of water in front
of him.

"How much is an ice cream sundae?" he
asked.

"Fifty cents," replied the
waitress.

The little boy pulled his hand out of his pocket and
studied the coins in it.
"Well, how much is a plain dish of ice cream?"
he inquired.

By now more people were waiting for a table and the
waitress was growing impatient.

"Thirty-five cents," she brusquely
replied.

The little boy again counted his
coins.
"I'll have the plain ice cream," he
said.

The waitress brought the ice cream, put the bill on
the table and walked away.
The boy finished the ice cream, paid the
cashier and left. When the waitress came back, she
began to cry as she wiped down the table.
There, placed neatly beside the empty dish, were
two nickels and five
pennies..
You see, he couldn't have the
sundae,
because he had to have enough left to leave
her a tip.

4 - Fourth Important Lesson. -
The obstacle in Our Path.
In ancient times, a King had a boulder placed
on a roadway.
Then he hid himself and watched to see if anyone
would remove the huge
rock.
Some of the king's wealthiest merchants and
courtiers came by and simply walked around it.
Many loudly blamed the King for not keeping the
roads clear,
but none did anything about getting the stone
out of the way.

Then a peasant came along carrying a load of
vegetables.
Upon approaching the boulder,
the peasant laid down his burden and tried to move the
stone to the side of the road.
After much pushing and straining, he finally
succeeded.

After the peasant picked up his load of
vegetables,
He noticed a purse lying in the road where the
boulder had been.
The purse contained many gold coins and a note from
the King indicating that the gold was for the person
who removed the boulder from the roadway.
The peasant learned what many of us never
understand!
Every obstacle presents an opportunity to improve
our condition.

5 - Fifth Important Lesson -
Giving When it Counts.
Many years ago, when I worked as a volunteer
at a hospital,
I got to know a little girl named Liz who was
suffering from a rare &
serious disease.
Her only chance of recovery appeared to be a blood
transfusion from her 5-year old brother, who had
miraculously survived the same disease and had
developed the
antibodies needed to combat the
illness.
The doctor explained the situation to her
little brother, and asked the little boy if he would
be willing to give his blood to his sister.

I saw him hesitate for only a moment before taking
a deep breath and
saying, "Yes I'll do
it if it will save her."

As the transfusion progressed,
he lay in bed next to his sister and smiled, as we
all did, seeing the
color returning to her cheek.
Then his face grew pale and his smile
faded.
He looked up at the doctor and asked with a
trembling voice,
"Will I start to die right away".

Being young, the little boy had misunderstood
the doctor;
he thought he was going to have to give his sister
all of his blood in
order to save her.

Now you have 2 choices.

1. Delete this email, or
2. Forward it to people you care
about.

I hope that you will choose No. 2 and
remember.

"Work like you don't need the money, love like
you've never been
hurt,
and dance like you do when nobody's
watching."

NOW more than ever - Peace. Pass It
On.....Pay It Forward

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
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Warning About Cache Card

2004-12-28T14:33:00.000-08:00

We used to endorse and support a company calling
itself Cache Card.

We not only no longer support them, but urge EVERYONE
to stop using this service immediately.

The reasons are many. Here are just two:

1. Financial Instability: CacheCard recently had
their Visa/Mastercard merchant account cancelled, and
could not find another provider in the US, so they had
to switch to a more expesnive offshore alternative.
When banks freeze merchant accounts, they usually
freeze ALL OF THE MONEY in those accounts for at least
120 days. During this time, these funds are
unavailable, and, in fact, MAY NEVER BE RECOVERED! If
this is the case with CachCard, we suspect that they
are now operating on a fractional reserve basis, which
imperils the money in everyone's account. In other
words, don't bet that they have all of the money
needed to meet withdrawals.

2. Onerous Privacy Invasion: Probably in response to
losses from the Visa and MasterCard fiasco, they have
now instituted outrageous, privacy invasive demands
for account holders. We recommend that YOU NOT COMPLY
with these ridiculous demands, and that you vote with
your feet by boycotting those affiliate program
operators, MLM's etc. who only make commission
payments through CachCard.

If someone wants to invade my privacy, I most
certainly don't want to do business with them or
anyone else associated with them. Make it hurt by
withdrawing your support for companies who do not
provide alternative means of payment.

We most certainly recommend to all of our affiliates
and friends that you STAY AWAY FROM CACHCARD and
anyone out there who makes having a Cachcard account a
prerequisite for being part of their program.

John

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
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Warning About Cache Card

2004-12-28T14:32:00.000-08:00

Trojan attempt offered through FREE download

2004-12-27T14:17:00.000-08:00

Trojan attempt offered through FREE download

HYIP Lister NOT all it's suppose to be

This weekend not only saw Christmas cheer and
goodwill, it also saw an attempt to infect your
computer by someone offering a free download of a
software product named "HYIP Lister."

The software claimed to be offered for free for a
limited time only. The email claims that once the
software is considered popular they will place a cost
for the software. This is an enticement to download.

According to reports the software offered, is a Trojan
worm waiting patiently for computer users who are not
protected. The software may well work as described but
it is likely also going to be able to send information
from your computer to the hacker at the other end.

Did you receive this?

Here is the description of the software as copied from
the email received on Christmas day;
HYIP Lister is a fully-featured HYIP listing and
reporting tool. It will generate and shows you
statistic of HYIP's. It takes information of many
websites, forums, and then generate statistic after
that it shows it to you and you can easily decide
witch HYIP is better to choose.
This tool is for free NOW. But in future we can take a
little payment for it, if it will be popular.
Click here to download HYIP Lister

The link provided in the email goes to
http://gig5.com/hyiplister/hyiplister.exe. The domain
name is registered to Longcrest Technologies by
someone named Patrick Long. This individual is using
email address [lcrestco@yahoo.com] in the
registration. The mailing information for this domain
has the person living in Mosinee Wisconsin.

The domain has been registered since June 26, 2002 and
is set to expire on the same day in 2005. Possibly
this domain name has been purchased in the past and
changes to the registration never happened. It is also
possible the name of the person in the registration is
false. As well it is always possible a hacker has
control of Longcrest's site.

The email originated from a server using IP Address
[162.42.208.244]. The server is owned by Cybertrails
from Phoenix Arizona. The email address used
originates from the domain name.

Trojan or Adware?

In the case of this software, there is no doubt it
should NOT be downloaded at any cost. It is obvious
because this email came to you as Spam. Actually the
truth is the email came to you from an Admin of a
former program you were in or through a mailing list
that has been sold hundreds perhaps thousands of
times.

Many computer users have multiple programs presently
operating on their computer, designed to scan for
Trojans and assorted Adware. This HYIP Lister software
"can" be considered a working product if downloaded
and working. It depends on your software settings to
determine if an alarm will be sounded.

When your computer warns you of an attempt to infect,
it may well be Adware. Any Spyware, anti-virus,
anti-trojan or firewall software will likely sound the
alarm if an application can or does attempt to connect
your computer to the Internet.

The fact that the email arrived as Spam is normally
enough of a reason to delete. The idea that the
software is related to High Yield as well is MORE than
enough reason to consider the download a Trojan to
more than likely act as a Keylogger.

If you happened to download the application and your
security software did not sound an alarm there may be
some vulnerabilities in your system. The Trojan
attempt has only one purpose and that is financial
gain.

Simply removing the application from your system may
not do the trick. Your computer should be scanned by
an outside source. Numerous anti-virus sites offer a
free scan of your system. As well it is possible your
security software are not up to date.

If this is your computer being discussed here and you
opt not to protect your computer, you are setting
yourself up for future problems. There is only so long
you can get away without securing your computer.

By keeping your computer unprotected, it is like you
are standing in line at a thrill park waiting for your
turn on a popular ride. Eventually it will be your
turn and you will likely enjoy the ride, but on the
Internet once it is your turn, life takes a major
change. Hackers have a way of making people feel
helpless, don't become a victim.

For the hackers this is a game of numbers and the odds
of you becoming a victim increase everyday. New lists
are bought and sold every minute of every hour of
every day. Maybe the amount of Spam you get is
minimal, but the more you sign up to high yield
programs, the more your email is being distributed
around the world.

The Admin of failed programs eventually return. Some
sell your email address multiple times, others protect
their list for future schemes. All in all your address
is rarely used for anything but Spam. For an Admin who
has no scruples he or she will sell a list without
care. The list is then resold again usually as part of
a larger list.

It's a dog eat dog world out there and the mask of the
Internet allows Hackers and Spammers to freely
distribute without much fear of the authorities. The
odds are definitely in their favor and they are
knocking at our doors.

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
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A complete set of privacy and offshore services

2004-12-16T16:59:00.000-08:00

Hello all!

I am emailing you to let you know that our Offshore
And Privacy Services section is bigger than it ever
has been in our 7 year history, and we now have more
products and services than ever before -- products and
services you need now, more than ever.

And the good news is that we have MORE ON THE WAY,
including gaming licenses, software, tunnels, etc.,
and, as new products and services come online, they
will be added.

We have IBC's in more jurisdictions around the world
than ever before. We have trusts, foundations,
maildrops, anonymous calling cards, anonymous gsm
cards, and an anonymous UK phone number service that
can be forwarded to almost any phone in the world!

It has taken us quite some time to get all of this
online, but now it is here!

And don't forget that we have more FREE information on
these subjects than almost anyone else on the net. In
fact, our site is so jam packed with invormaiton on
such a wide variety of subjects, that we have found
much less material in other people's MEMBER'S AREAS
than we give you for FREE!

Our main goal here at Destiny Worldwide is to help our
members and friends become a success in life, which
almost means you have to maintain your health, wealth,
and privacy! And we have many more surprises in store
for you in the very near future!

So, why don't you check out this vital information
today? Here are just a few of the links to this newly
updated section of our site:

Gateway to Privacy and Offshore FREE information,
products, and services:

http://www.destiny-worldwide.net/asset.htm

IBC's we offer:

http://www.destiny-worldwide.net/destiny/second/ibcs.htm

Offshore Bank Account Introductions:

http://www.destiny-worldwide.net/destiny/second/offbank.htm

Directory to our full range of offshore products and
services including the ANONYMOUS COMMUNICAITONS
SERVICES MENTIONED ABOVE:

http://www.destiny-worldwide.net/destiny/second/offproducts.htm

We hope you enjoy this new section, and remember there
is MORE TO COME STILL!

In addition, we will be adding many of the new
AFFILIATE PROGRAM GEMS we have been finding in the
next week or so, so stay tuned!

John

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
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------------------

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New Offshore products and services

2004-12-06T00:14:00.000-08:00

Hello all,

We have just made a major upload to our offshore
products and services. We have been restoring our
Offshore area over the past months, and now have more
products than we have ever offered before, and we
aren't done yet!

With today's uploaded pages, we now have a wide range
of jurisdictions listed to incorporate IBC's, from the
Bahamas, to Belize, to Panama to the Seychelles and
much, much more.

For those wanting to do business in Europe, we offer
Gibraltar IBC's, as well as UK Limited Companies and
UK Nominee Company or Agency. This is tied together
with a Belize IBC to offer you the fullest tax
advantages so that you can be within Europe and
outside at the same time!

And, as previously announced, we have our most popular
product from the past back with a new twist!

We are now doing the Power Packs with a Panama Bearer
Share IBC which is owned by a Costa Rican Private
Trust, and of course this comes complete with a
banking introduction for the IBC! And the best news
is the price is still the same as it was when we last
offered this great and popular product!

Shortly we will be adding offshore bank account
introductions in several jurisdictions, gaming
licenses and software, ship registries, and much, much
more to round out this important area of our website.

After all, it is one thing to make money, it is an
entirely different thing to KEEP IT safe from all the
predators and criminals out there who are getting
hungrier every day!

We will soon be offering an all new, exhaustive course
on success, so these offshore products and services
are a perfect match to go along with your new success!

And, you don't need to wait for the products and
services to be displayed on the web for you to get
them.

We are a bit slow at getting them posted because of
all the payment methods, both online and offline, that
we offer. So if you want it and don't see it yet,
just ASK!

Here is a link to the IBC page:

http://www.destiny-worldwide.net/destiny/second/ibcs.htm

Here is a link to our Offshore information page:

http://www.destiny-worldwide.net/offshore.htm

Enjoy!

John

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
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Beware the con artist scum and their "verification"

2004-12-01T09:57:00.000-08:00

Yesterday, we received the follwing message from the
con artists running Studio Traffic and now "Studio
Pay":
--- admin@studiowalker.com wrote:

---------------------------------
Hello Members

Information regarding StudioPay Account verification

It is important that you remember to get your
StudioPay account verified in order to withdraw your
funds. You need to provide the following information
by fax to: 1-315-633-9990 or 1-260-432-0604

A copy of a void check for the bank listed in your
StudioPay account
A copy of a recent Utility Bill showing your full
address as listed in your StudioPay account

Once these documents have been received we will verify
your account and you will be able to request
withdrawal of your funds by check, direct deposit to
your bank and coming in January your StudioPay Debit
Card.

Once you have verified your checking account, you can
request up to fund your account using electronic check
system too.

For international members (not in US), you do not need
to send us a void check. All you need to do is to fax
us a recent Utility Bill and a copy of your ID as
listed in your StudioPay account. For those who did
not have a fax machine, you can email your copy to
Jeanne@studiopay.com

Please verify your account as soon as possible in
order to prevent a delay in withdrawing your funds.

Good News!

Our own credit card facility at StudioPay is ready.
You can fund your StudioPay account easily using your
credit card.
*************************************

WOW! What a load of steaming CRAP this is!

First of all, almost all HYIP's are con jobs run by
thieves, liars and con artists.

Second, it now appears like the con artists are
attempting to BRANCH OUT into complete credit card and
banking fraud, so thay can take NOT ONLY all the money
and run, BUT YOUR IDENTITY TOO!

If you are stupid enough to go through this ridiculous
"account verification procedcure" you will just have
handed these con artists:

1. The keys to your checking account! They will be
able to completely DRAIN your checking account at
their whim, and run away with the money to Russia or
wherever else before you even realize the money has
left your bank account.

Imagine your excitement when you pull into the gas
station to put gas in your car. You swipe your ATM
card at the pump, knowing that you have several
thousand in the bank, ONLY TO REALIZE YOU HAVE A ZERO
BALANCE!

2. The keys to your credit card account, so that they
can do the same thing to IT that they have just done
to your checking account.

3. You have also given these con artists your SSN and
other sensitive personal verificaiton information.
With this informaiton, they can impersonate you, and
order NEW CREDIT CARDS ON YOUR NAME WITHOUT YOU EVEN
KNOWING IT!

BEFORE YOU KNOW IT, YOU COULD BE $100,000.00 IN DEBIT
WITHOUT EVEN KNOWING IT -- that is, until the banks
sue you for non payment and you lose your house!

So go ahead, give these animals your "account
verification information," BUT DON'T SAY THAT NO ONE
EVER WARNED YOU ABOUT THIS!

John

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

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Watch out for IntGold

2004-11-25T08:18:00.000-08:00

The exchange provider CapitalX has been raising red
flags lately about IntGold.

We do not know if these complaints are for real or
not, as CapitalX is a fairly new exchanger and lacks a
certain amount of credibility at this point as we have
never used them.

However, if any of you have had simillar problems with
IntGold, please share it with the lists so that we can
get to the bottom of it.

The whole sordid story is here:

http://www.capitalex.com/clientadvisory.php

But remember, there are 2 sides to every story.

John

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
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Fwd: [PT] Very strange developments

2004-11-22T14:42:00.000-08:00

Read this message very carefully. For those on our
lists who have read "The Science of Getting Rich" and
have listened to our success lessons at Destiny
Central, and have begun to learn what the universe is
really like,and how our minds can affect that
universe, this will not come as much of a surprise.

Rather, it is a vindication of what Wallace Wattles
wrote so long ago, that the universe is "formed of
formless stuff" and that our minds can "impress
thoughts upon this formless stuff," and that the act
of impression can produce for us what we desire or
want.

It also verfies what Wattles says, that the universe
is filled with abundance. Indeed, abundance is the
NATURAL state of the universe, and lack is an
UNNATURAL state.

At last, hard science is catching up with what Wattles
and others have been saying for a long, long time.

What needs to happen is for us to become a super
conductor. We need to impress our thoughts and
consciousness onto the formless stuff, and the
universe we want can manifest itself for us.

To put it simply, if we don't like the so called
"reality" we appear to be in, we have the power to
change it. If it is just us who wants this change,
the act of impressing these thoughts on the universe
may actually shift us into a universe where our dreams
really can and do come true.

Read this fascinating and uplifting story below, and
then realize that by putting your foot on the true
road to success and abundance and joy, you are
actually half way there already.

Enjoy!

John

>
http://www.garyascott.com/archives/2004/11/22/1123/index.html
>
> Changing Everything
>
> This November 22, 2004 Gary Scott message shows a
> huge discovery that
> can affect our international business, our
> international investments
> and enhance our wealth. About three years ago the
> Gary Scott site
> shared the message below:
>
> "Where does a wealth attitude come from?" To answer
> this we have to
> look at the Quantum aspects of life. Doing this can
> help us with our
> wealth as well because the foundations of wealth
> have the same
> attitude root! Begin with our physical selves which
> to our five
> senses looks, feels, smells, tastes and sounds
> solid. Yet if science
> is to be believed we know that we are not. We are
> told (and most of
> us believe) that if we dig deep enough we'll find
> that the solid
> stuff that makes us is just a bunch of molecules
> swirling around one
> another separated by vast amounts (in relative
> terms, the molecules
> are as far from each other as earth is to the sun)
> of space. And as
> you'll see in a minute if we believe it, it is real.
>
> Plus we also believe that if we look deeper we find
> that even these
> molecules are not solid, but are again composed by
> bits of stuff we
> call atoms swirling in vast amounts of space. Nor is
> this the end.
> These atoms are also broken down into even tinier
> parts, electrons,
> neutrons, protons that are made of even smaller
> bosons, quarks and
> such.
>
> Finally we reach a point where these smallest bits
> act differently
> than any way we can imagine in our physical world.
> This is their
> Quantum state, a place where the essence of all
> physical things
> sometimes acts like bits of matter and other times
> acts like energy.
>
> Here is the crunch.
>
> Science tells us that it is the act of observation,
> or our intention
> or attention that determines whether these bits are
> energy or stuff.
> In other words if science is to be believed, we
> literally create the
> universe in which we live. This first dramatically
> came home to me
> when I read an article in USA Today entitled,
> "Quantum Computer"
> which states Atomic Quantum computers (QC) will
> probably take the
> world into the next era of information technology.
>
> The article says that the QC works in Qubits of
> processing power and
> has a different type of logic (which works on the
> principles of
> quantum mechanics) that makes their speed immense.
> For example a
> forty qubit (IBM labs have already created up to
> three qubit
> computers) processor would have all the power of
> today's super
> computers, but would be enormously faster. A Quantum
> computer would
> be a billion times faster than a Pentium III PC.
> According to the
> article, a current super computer trying to find one
> number in a
> database of all the world's phone books would take
> one month. A
> quantum computer would take 27 minutes!
>
> Labs around the world are pushing this science hard.
> IBM,
> Hewlett-Packard, Bell Labs, UC Berkeley are just a
> few U.S. concerns
> that have invested heavily in this technology.
> Because these
> computers will be able to break any type of code or
> encryption, the
> CIA, Pentagon etc. are both very nervous yet
> interested all at the
> same time. The government has set up a well-funded
> quantum computer
> lab at the Los Alamos National Laboratory.
>
> The point?
>
> What I am about to write is not science fiction nor
> airy-fairy stuff.
> Billions are already being invested by some of the
> largest companies
> and governments in the world. Yet all this investing
> is in something
> none of us may be able to understand or even worse
> can't even
> believe. According to the article, Charles Bennett,
> IBM's best known
> quantum computer scientist says, "It takes a great
> deal of courage to
> accept these things. If you do, you have to believe
> in a lot of other
> strange things." MIT's Neil Gershenfeld, who with
> IBM's Issac Chuang
> built the most successful Quantum computer to date,
> says, "Nature
> knows how to compute. We just don't know how to ask
> the right
> questions." Here is how the computer works. All
> atoms have a spin of
> up or down, so scientists can use these spins in the
> same way that
> transistors are currently used in today's computers
> to represent a 0
> or 1.
>
> So far so good, but here is where the quantum
> factors come in that
> are the source of the amazing power of these
> computers. Atoms can
> have both an up or down spin at the same time until
> they are
> measured. The act of measuring forces the atom to
> choose between up
> or down. In essence what these scientists are saying
> is it's not the
> atom that has the spin, but the act of observation!
> In other words,
> these computers do not depend on matter but on
> motion.
>
> Remember I am simply passing on what USA Today says
> IBM, Hewlett
> Packard, the U.S. Government and others are spending
> billions on
> right now. But Quantum weirdness does not end here.
> The article
> continues by saying that qubits don't do
> calculations in linear form
> like current computers. They instead do all possible
> calculations at
> the same time, straddling all possible answers until
> the act of
> measuring the qubits forces them to settle on an
> answer.
>
> Weirder still? According to the article, the Quantum
> computer holds
> an infinite number of right answers for an infinite
> number of
> universes (remember I am not writing this, the USA
> Today article and
> the computers already exist). The computer just
> gives you the right
> answer for the universe you happen to be in at the
> time. To believe
> in Quantum computers (which our government and
> private industry is
> spending billions on) we have to believe in parallel
> universes.
>
> This is hard to grasp and then it gets even harder!
> Quantum computers
> gain even more power because of a process called
> entanglement. When
> two atoms are observed by the same force, they
> become entangled and
> remain so even though they may be light years apart.
> Their spins are
> in all positions at once, but the instant one
> entangled atom is
> observed its spin goes one way. At that same
> instant, the spin of the
> other particle locks in the opposite direction (even
> though they are
> then light years apart). This is essential to the
> increased speed of
> Quantum computers. Today's computers are limited to
> the speed, which
> an electron can pass through a wire (the speed of
> light). With
> entanglement, a quantum computer's speed can blow by
> today's
> computers because the shift in spin even over light
> years is
> instantaneous! In addition because of entanglement
> according to USA
> Today, there are ways to do Star Trek type
> teleportation.
>
> Remember I am not writing these words. According to
> USA Today, Stan
> Williams of Hewlett-Packard says, "The potential is
> so huge and it
> would be so disruptive it could completely change
> the way at least
> some computing is done." So in short our attitude,
> our attention or
> intention or focus or beliefs or let's use the word
> faith is what
> creates our world.
>
> That was quite a leap of faith to think that we
> could have
> technology as powerful as this in just thirty years.
> We may not have
> to wait so long! A very intelligent reader
> remembered this message
> and just wrote:
>
> "Gary, IBM scientists have successfully measured the
> energy it takes
> to "flip" the magnetic orientation of a single atom.
> This measurement
> of one of the fundamental magnetic properties of
> materials is a
> significant step in developing nanometer scale
> magnetic structures
> for ultradense data storage, as well as other
> applications, one of
> the most significant of which is quantum computing.
> Follow this
> information and watch IBM. This could create a huge
> trend..with
> ramifications unknown!
>
> Gary

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

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How scammers run rings round eBay

2004-11-18T10:24:00.000-08:00

>
>
> How scammers run rings round eBay
> By Ken Young
>
> Published Tuesday 16th November 2004 16:15 GMT
>
> Everyone knows that buying and selling on eBay is
> precarious. Even eBay
> admits this and gives basic advice on its site that
> it believes helps
> eliminate most fraud.
>
> But there appears to be a basic weakness in eBay's
> system that fraudsters
> and petty thieves are exploiting. It occurs when
> buyers pay sellers direct
> into the sellers' bank account by cheque or cash.
> The following is a real
> example that occurred in September this year (names
> withheld for legal
> reasons). Let's call the buyer Tom and the seller
> Harry.
>
> Tom won the bid for a mobile phone and agreed to pay
> Harry (who lives 80
> miles away from Tom) Â£185 plus Â£6 insurance using
> cash at a branch of
> Harry's bank. A few days later a box arrived. It
> contained a battery charger
> and an earplug, but no phone. Tom informed Harry who
> said that he believed
> someone at the post office must have stolen the
> phone and that he would look
> into it.
>
> Days passed and Tom then asked Harry to claim on the
> insurance. Harry said
> he had lost the insurance slip and would instead
> refund 50 per cent of the
> Â£185. A week passed and Tom called Harry to say no
> payment had been received
> and that he was losing his patience and would report
> the matter to eBay.
>
> Harry made more excuses and stopped answering his
> mobile phone. Over the
> next few weeks they spoke occasionally but Harry
> refused to send any money
> and blamed Tom for his removal from eBay (subsequent
> to Tom informing eBay
> of his loss). Tom contacted Harry's bank but the
> bank refused to provide
> Harry's address. Tom only knows Harry's mobile phone
> number and Hotmail
> email address.
>
> In summary, Tom spent Â£196 on a phone that never
> arrived and he is not
> alone. As a result of basic research for this story
> we have been contacted
> by five people who have experienced similar scams
> (their stories, in emails,
> are copied below). The fact is it appears far too
> easy for this scam to be
> perpetrated.
>
> Pattern of fraud
>
> The pattern is all too predictable. Buyers and
> sellers agree not to go
> through the more secure PayPal system because it
> costs more to do so. So
> buyers take the risk of sending the money to the
> seller who either doesn't
> send the goods or sends shoddy or fake goods. The
> sellers protect themselves
> against prosecution by claiming loss, or disputing
> the buyer's version of
> events. The amounts involved - though not
> insignificant to the buyer - are
> too small for eBay to want to take the matter
> further.
>
> There is one other common factor in all these
> stories. Though the buyers
> report the matter to eBay they are invariably
> frustrated at standard email
> responses and being steered towards a mediation
> system which costs the buyer
> Â£15 and even then may or may not lead to resolution.
> Alternatively, sellers
> can claim compensation through eBay and may get a
> maximum of Â£105 - if they
> claim between 30 and 90 days after the event and
> meet the criteria for
> payment. In our example above Tom made a claim last
> month and is still
> waiting.
>
> A common refrain is: "Should I report this to the
> police? eBay are not
> replying to my emails about this and I don't know if
> the police are aware or
> not. What should I do?"
>
> eBay declined an interview in relation to this story
> but instead issued a
> statement:
>
> "eBay takes the issue of fraud very seriously and
> investigates every case of
> fraud reported to it. eBay currently has over 1,000
> people worldwide with
> backgrounds in law enforcement, customer support,
> advanced computer
> engineering and analysis dedicated to making eBay
> one of the safest places
> to trade online and, in the UK, employs an
> ex-Scotland Yard officer as
> liaison point for law enforcement agencies.
>
> "The majority of transactions on the eBay site are
> completely secure and
> without incident. Approximately 0.01 per cent of
> transactions end in a
> confirmed case of fraud."
>
> This means that for every million transactions, 100
> are 'confirmed'
> fraudulent, though the criteria for this
> confirmation are not available. Any
> security consultant will say that is an acceptable
> level of risk and way
> below fraud levels on credit cards. Not
> surprisingly, eBay therefore does
> not advise people specifically not to pay by cheque
> or cash payment into a
> seller's bank account.
>
> Top tips
>
> On the eBay website its 'top tips' state that
> sellers should ideally use
> secure payment systems like PayPal (which offers
> greater levels of
> protection, though still limited if the seller has
> little or no track
> record) and should NOT use money transfer services
> "like Western Union".
>
> But aside from telling buyers to be wary it does not
> tell buyers NOT to send
> cheques or pay directly into sellers' bank accounts
> (either by money
> transfer or using cash at a bank branch). Clearly it
> believes that most such
> transactions are safe and therefore if the buyer
> assesses the risk as low,
> then why not?
>
> Many eBay users may agree - it's 'caveat emptor'
> applied to the world of
> online car boot sales. But when Steve Gold, a
> security consultant, celebrity
> ex-hacker (he co-hacked the Duke of Edinburgh's
> Prestel mailbox), and former
> accountant also gets hit by such a scam you begin to
> wonder how the mass of
> eBay's users are avoiding getting stung and whether
> the 0.01 per cent figure
> is an accurate reflection of the amount fraud
> occurring.
>
> Gold, an experienced eBay user, reports that he
> bought a hard drive for Â£63
> from a man who never sent the item. After weeks of
> the usual hassle he used
> 192.com to track the man down to confront him. The
> seller - somewhat shocked
> to see his 'victim' - pleaded poverty and illness
> and apologized profusely.
> Gold admitted defeat safe in the knowledge that at
> least he had confronted
> his fraudster and learnt a useful - if painful -
> lesson.
>
> Pants down
>
> He now says he uses a mixture of web tools to check
> out sellers. He pays
> 192.com Â£25 per 100 enquiries to get addresses from
> phone numbers; he uses
> maporama.com to check out locations of sellers; and
> he admits he is more
> cautious than ever.
>
> "eBay is caught with its pants down," he says. "They
> are neglecting their
> customers; they should make a shed load of
> information available to help
> people to avoid this." Like others Gold says he hit
> a brick wall when he
> tried to get other bodies involved: "I went to
> trading standards - they
> weren't interested. I even compiled a dossier on the
> seller and sent it to
> his local police force. Subsequently they told me
> they were aware of eBay
> fraud but don't deal with it." Gold believes the
> level of fraud on eBay is
> higher than the 0.01 per cent figure given: "But how
> can we tell? eBay won't
> reveal the real figures so we have no way of
> knowing."
>
> He has a point. Credit card fraud has been reduced
> over the years by greater
> public awareness over the levels and types of fraud
> occurring. eBay is
> relying on sellers to be 'careful' but the question
> for the regulatory
> authorities remains: Is eBay doing enough to protect
> its users? Those who
> lose out as a result of this type of scam certainly
> think not.
>
> Clearly eBay cannot be held responsible for
> dishonesty among sellers but
> perhaps it could do a lot more to warn people how
> easy it is for petty
> criminals to exploit our desire for a bargain. Maybe
> it is time for an
> independent body to track complaints against the
> system so that buyers can
> get a better picture of the types and frequency of
> frauds occurring. Â®
>
> Below are a selection of emails from others
> defrauded via eBay. Names have
> been omitted for legal reasons:
>
> I was cheated out of Â£200 when I tried to buy an
> ipod. I corresponded with
> the seller, who seemed friendly until I sent my
> money and he clammed up. I
> got emails from another apparent victim, who also
> was a bit shy of giving
> out his contact details. I suspect the second person
> was the first in
> disguise. Top cap it all, the seller gave a bank
> account for me to deposit
> the money, which I did, but it turned out that his
> identity was totally
> fake - in fact it was someone else's ID. So he had
> used a real ID (not his
> own), to open not one but three accounts at
> Nationwide to use for fake eBay
> transactions. I contacted the police but the trail
> went cold. I did manage
> to get Nationwide to close the accounts down They
> said he had been taking
> money out as soon as it hit the account. I tried to
> contact eBay with the
> details, saying the guy wasn't returning my emails,
> they responded with an
> email saying "why don't you try our arbitration
> service." I emailed them
> asking how I could do that if the guy won't respond
> to me. They replied
> saying they were sorry about that but maybe I should
> try their arbitration
> service. I then asked how I could claim on their
> insurance policy to
> reimburse defrauded customers, and they simply
> replied advising me to try
> their arbitration service.
>
----------------------------------------------------------------------------
>
> I bought a couple of Tiffany items - from
> different sellers - for my niece
> last Christmas. One item was fine - the other was a
> fake. The girl who sold
> it handled it perfectly. She was very chatty (by
> email) and was 'touched'
> when I told her the thing was intended as a gift for
> my niece etc.....
> Anyway, when my niece received the item, it was
> obviously a fake. We did
> consult Tiffany, who confirmed that they hadn't ever
> manufactured a piece in
> that style. I got back on to her and her response
> was something not so far
> short of f off - but without the swear words. I was
> furious. I contemplated
> forms of retribution. I did, however, go thru the
> Safe Harbour system but
> with no success. I later made a claim from eBay but
> it was such a
> long-winded process that i kind of forgot to finish
> it off. So I just lost
> the money. From my experience I'd suggest eBay needs
> to sort out its claims
> policy. It's such a hassle that it really is
> off-putting. I still use eBay
> but without the same enthusiasm.
>
----------------------------------------------------------------------------
>
> I have a reseller friend who was a victim of an
> eBay scam, and to add
> insult to injury not only did they steal his card
> details on a non-existent
> transaction, they sent him a brick through the post
> to rub salt into that
> wound.
>
> Â© Copyright 2004 The Register
>
http://go.theregister.com/news/2004/11/16/petty_fraudsters_ebay/
>

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

__________________________________
Do you Yahoo!?
The all-new My Yahoo! - Get yours free!
http://my.yahoo.com

This is what happens to real programs run from the USSA

2004-11-06T19:56:00.000-08:00

I have said this before, and I will say it again: you
cannot run a successful honest program from the USSA.
The scammers like Osgold have absolutely nothing
happen to them. It would be easy for the FEDGOV to
trace down Reed, extradite him, freeze his accounts,
liquidate his hotels and other holdings, etc., but
they don't do that.

They could care less that you were ripped off by this
scum.

But, they DO go after honest programs and seek to shut
them down, because they can't let the "little people"
escape from their slavery to a JOB.

That is why LOCATION is important for a program as
well as it is for real estate. If an honest program
is stupid enough to operate frm the USSA, the UK, or
some other places, they will eventually bite the dust.

Even offshore you have no guarantee these days, but
you have a better chance.

Here is a report on the FEDGOV attack on Crown, Inc.
We were not involved in this one, but in case any of
you are, here are the FACTS and please pass these
along.

Go to the website indicated in this report for more
details. We are not tracking this one, but thought
this is an important lesson of where NOT to keep or
invest your money.

John

P.S. By the way, the program operator's and his
attorney's faith in the US "justice" system is
touching, but they will soon find out there is none, I
predict. I predict that no matter what the facts of
the case are, the owners are going to jail, and their
and all the investor's assets will be confiscated and
eaten by BB. Let's see if I am right.

Crown Inc Program updated Nov 4th

DON'T GIVE UP THE SHIP! THE BOSS SAYS:

BER, WE ARE IN THE PROCESS OF ENGAGING ONE OF THE
LARGEST ATTORNEY FIRMS IN THE US AND I FEEL GOOD ABOUT
WHAT EVIDENCE WE WILL SHOW. THEY ONLY HAVE THE
PLAINTIFF SIDE; NOTHING OF OUR SIDE YET. MY ATTORNEY
FEELS GOOD. THANKS FOR ALL YOUR PRAYERS FOR MY FAMILY.
RANDY ( Crown Inc boss).

So; read the below with a grain of salt. God is on
Randy's side in this atrocity, he has too many
humanitarian projects depending upon him to let SEC
get away with stripping everything away. What we need
is YOUR prayers; LOTS of them. Pray as we do ,
everyday, that justice is served in this case. Ber

Oct 21,2004
As of this day until further notice Crown Inc will not
be accepting further deposits. Although I have
personally seen the portfolio of legitimate businesses
Crown Inc is involved with to earn the money, a major
one even displayed on the stock exchange, SMPP, the
boss has now come under investigation by big brother,
SEC, for running a ponzi scheme. Folks, Crown Inc has
paid everyone for four years straight; NO MISSED
PAYMENTS except for Sept and Oct 2004 after SEC froze
ALL of their bank accounts, onshore as well as
offshore. This is not about his legitimacy, but about
keeping money away from us slaves; and stealing big
money for black opps government use. He has much
proof of receipts of these businesses, I have seen
them as well as the portfolio of businesses which made
the earnings. In some months withdrawals exceeded
money sent in and these were paid; ponzis don't work
that way.

Court date was Nov 1,2004, and an injunction was
handed down that essentially froze all assets and put
them in receivership. But as I understand it, Randy
has not yet been able to present his case. Go to
http://www.tflinc.com/cases_waterhouse.html There is
a list of
cases on the right hand side and one of them is Learn
Waterhouse. Crown Inc holdings were part of Learn
Waterhouse. Having been privileged to know the
workings of this company, I consider this an atrocity.
And we all know what happens when government gets
involved. How many dollars have you received back from
OsGold, OsOpps, Income Ventures, Crystal Capstone, E
Biz, Rent and Mortgage, EvoCash, and many other
similar situations in which government stepped in but
never allocated anything to anybody except themselves.

My only guess in this matter is that their venturing
into the bank trading arena which is loathe with
dishonest people, especially at the upper echelon
levels with which they were dealing, put the
businesses side of the portfolio in jeopardy. This is
only speculation on my part at this part in time. I
am also told there was a vendetta involved here.

When and if this is resolved Crown Inc will again
resume taking in funds. Don't send me emails to
comment further on this as I cannot at this time. I
will put out additional information in my newsletter
which you can subscribe to at
www.detailshere.com/listserve.htm and which I will
also post at www.detailshere.com/newsletterupdates.htm

DO read the explanation put out in my 10-22 newsletter
regarding this at
www.detailshere.com/newsletterupdates.htm

Crown Inc is a daughter company of Learn Waterhouse
Inc. You can find the complaint at
http://www.sec.gov/litigation/litreleases/lr18932.htm

At this point in time I know nothing more than is
posted on this page; but I will keep you updated.

Ber

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

__________________________________
Do you Yahoo!?
Check out the new Yahoo! Front Page.
www.yahoo.com

Today's Insight and Inspiration

2004-11-02T05:44:00.000-08:00

Think about this one for a while. It is short, to the
point, and says it all:

"If you think you have to get THIS in order
to have THAT, then what you REALLY want is
THAT, not THIS."

=====
---->Gaming solutions, and Ecurrency systems and usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/ <-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs! <-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

__________________________________
Do you Yahoo!?
Yahoo! Mail Address AutoComplete - You start. We finish.
http://promotions.yahoo.com/new_mail

Error in Newsletter

2004-10-15T13:57:00.000-07:00

Sorry, folks, I caught one error in the newsletter
after I hit send, but it is non critical.

The Table of Contents does not list our exciting NEWS
DIGEST section, which is the last section of the
newsletter.

This section is very informative, because it has FULL
COVERAGE of the Evocash downtime and Xchanger's
decision to drop Evocash from the currencies they
deal in.

That, plus lots more exciting NEWS you won't want to
miss.

Also, I know that in some email clients there is a
formatting problem. Most email readers display our
newsletters properly, but some don't, including this
one I am using right now. For those that improperly
display the newsletter, lines will be a bit jumbled,
etc, but you can still read the content.

I believe I have a solution to this, and will
experiment on it next week.

We also have some exciting new programs, plus I will
be adding a WHOLE NEW program section of lower yield,
and therefore, theoretically, "safer" programs. I
have found a very interesting safelist just bulging
with these, and most have been a around a while to.

Hopefully by next week I will have some of these joined.

One program I wanted to list today prefers Evocash,
and since I have some in my account, I would like to
oblige, except that they are DOWN right now. so that
one will wait until the Evocash problem is resolved.
I figure I might as well get those Evos working if
they still even exist!

Anyway, enjoy this newsletter. It is jam packed with
exciting goodies for you!

John

---->Gaming solutions, and Ecurrency systems and
usages !
----- New Investment Opportunities ------
----> Encryption Services, Relocation Services to
----> Costa Rica, and Elsewhere Privacy/Offshore
Consultations
----> Send email to: porongo@safe-mail.net for info.
--<>-- --<<<+>>>-- --<>--
----> Become the Success You Deserve in Life!
----> Visit Destiny Central
http://www.destiny-worldwide.net <---
--<>-- --<<<+>>>-- --<>--
Get Spiritual Refreshment. Restore your soul.
----> http://www.destiny-worldwide.net/rcg/
<-----------------
----> Discover the mystery of Costa Rica!
----> http://www.destiny-worldwide.net/costa-rica/
<---------------
--<>-- --<<<+>>>-- --<>--
-----------------> Visit our New Blogs!
<-----------------
----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth
http://destiny-worldwide.blogspot.com/
----> Costa Rica News
http://costa-rica-news.blogspot.com/
------------------

Invest Rite, Oct. 15 -- helping you become Financially Free!

2004-10-15T13:47:00.000-07:00

==============================================
>>Invest Rite -- Helping you become financially free!<<
=============================================

A publication of Destiny Worldwide Net
http://www.destiny-worldwide.net

Also Visit the Offshorearnings.com website:
http://www.offshorearnings.com Offshore Transaction
Processor

Subscribe: invest_rite-subscribe@yahoogroups.com
Unsubscribe: invest_rite-unsubscribe@yahoogroups.com
=========================================
TODAY'S CONTENTS
=========================================
*Today's Insight and Inspiration

*Updated Program List

*Feature Article: Online Lottery schemes. A form of
Advanced fee scam

*Real World Investment Notices

=========================================
SPONSOR'S MESSAGE
=========================================
If you want to be successful in the years to
come, with the new technology of the internet,
you need to break free of the limitations that
bind the majority of people. ONe of the worst
problems individuals and businesses face today
are high taxes, unfair litigation, lack of
privacy in financial matters, etc.

You cannot be truly successful and free unless
you use all the tools at your disposal, which
includes being financially free, and learning
the ingredients to true success.

These secrets used to not be available to the
ordinary person. They were the guarded secrets
of the elite.

Destiny Worldwide is unique in that we not only give
you the education you need to succeed, but we also
give you access to cutting edge tools in many
different aspects.

From e-commerce to success in your career, regular
business, and handling your finances secure from
the many risks out there today, our constellation
of services gives you the advantages you need to
succeed.

Go to these websites to begin running down the road
to your successful future today!

http://www.destiny-worldwide.net

http://www.offshorearnings.com

You'll be glad you did!
=========================================
TODAY'S INSIGHT AND INSPIRATION
=========================================
Today's Insight and Inspiration-Dreamers and Doers

Lyrics from a song I wrote 14 years ago:

"Wealth comes to you in a dream only you may know

it reveals itself with a flair only it may show...."

"As you break through the images that flow through
your subconscious mind

You will find a new consciousness that takes you

beyond space and time"

I have my own unique huge dream. Do you?

Many of us, myself included, bought into the myth
that there were
dreamers and there were doers, and that creative
dreaming
precludes persisitant focused working.

Wealth has asked me to dream huger dreams than I ever
could have
imagined, and has also requested that I do more to
realize those
dreams than I ever thought I could.

Abundance consioussness is not for the passive couch
potato. Your
efforts, your willingness to take total
responsibility for your own

investment decisions, your dreams, are integral parts
of it. Wealth
wants the dreamer and doer in you to merge and soar.
I am honored to
be in your company, dear fellow members.

[if you have an inspirational story, poem, etc. that
you want to
share with the group, please email them to me]

=========================================
PROGRAM'S LIST
=========================================
We are now featuring our Program's list as part of
this newsletter.
We hope to keep it more up to date, and have at least
one newsletter
per week. We have some excellent new entries below,
and more coming
as we get the time to check them out! Enjoy!

Investment & Other Programs

NOTE: All listings here are merely recommendations
based on our experience

and research. In no way can it be construed as
investment advice or a

securities offering, etc. We are not responsible for
the outcome of any of

your investments with the programs listed here. All
transactions are between

you and the various program administrators. We have
absolutely no

responsibility for the performance of any of the
programs on this list. We

offer this list on a best efforts basis only. Never
invest more than you can

afford to lose. This means that you should use
discretionary funds only.

You are also responsible to know the legal issues
surrounding such

investments in your home jurisdiction.

NOTE: The programs are not listed in order of
preference. New programs are

entered to this page from the top, older programs are
on the bottom. Thus,

if you want to see more established programs, you
need to scroll down.

Double Your Money Back!
Let's not pull any punches here!!

Are you looking to advertise your website plus get a
return on your spend?

dymbg.com may be your choice for advertising your
current online opportunity

or your current business whether it is online or
offline.

dymbg.com offers affordable Advertising packages
starting at only $15.00 with

a compensation plan that is different than most.

With every Advertising Package Purchase we offer a
Whopping 200% return on

your spend, plus a 5% Commission on everyone that you
introduce to dymbg.com

down 3 levels!

dymbg.com is very simply an Advertising Co-op where
your advertisements are

read in a secure online environment by like minded
entrepreneurs looking for

opportunities that you have to offer.

Please take the time to check out our website at the
below url.
http://www.dymbg.com/index.php?destiny1941

PIPS RANDOMIZER!

This is new, fun, AND PROFITABLE. It is sponsored by
one of the safelists I

have been on the longest. Here are the details:

We would like to invite you to join one of the
newest, most rewarding financial
opportunities online!

This program combines the fun and profit of a
daily randomizer and the long
term stability of PIPS and which is
on-going....

$20 buys you continuous random $5 payouts until
you've made at least $500!

YOU COULD HAVE MULTIPLE $5.00 PAYMENTS FLOWING
INTO YOUR
ACCOUNT DAILY, COMPLETELY PASSIVE!

You Do Not Need To Sponsor or Advertise if you
do not wish to!
Those who do share the program get rewarded even
more!

We will help you make AT LEAST $500 per $20
entry within the next year! By
investing in PIPS, we can assure everyone that
spends that they will make at
least $500 within the next year for every $20
spend they make.

This is a perpetual randomizer! Not only will
you will keep receiving random
payments of $5, but you will be rewarded
directly if you tell your friends about
us with a $5 referral bonus for everyone that
joins with your email address in
the memo line of their spend! The $5 random
spends will go on and on and
on.......

You will need one or all of the following
accounts to receive your payments
IntGold, E-Gold and PicPay

Join egold here:
http://www.e-gold.com/e-gold.asp?cid=1626402
Intgold here: https://intgold.com/m/i/182675
Picpay here: http://www.picpay.com

To join PIPS Randomizer, Just spend $20 by
Intgold, Egold or PicPay and
make sure you have your referrer's email address
Put your email
address/ your referrer's
email in memo line [our address for this program is:
xarlem@destiny-worldwide.net].

Then send us an email at
PIPSRandomizer@safe-mail.net with your spend
info and your other account info. For example,
if you pay by egold, we'll need
your intgold and/or picpay info as well in order
to pay you when the
randomizer chooses YOU!

Spend to
Egold: 1626402
IntGold: 182675
PicPay: randomizer

Of the $20; $5 will go to your referrer, $10 to
PIPS, and $5 will be sent randomly to one of your
fellow PIPS Randomizer participants...maybe
even to YOU! All referrer and randomized
payouts will be done once per day
until we get the site ready and automated.

Come and play PIPS Randomizer with us NOW! Tell
your friends and make
even more!

The Best Kept Secret on the Net
This program is a real winner. It is now starting
its THIRD YEAR, and shows

no signs of stopping. Rather, it is showing every
sign of taking the

internet by storm. The only criticism I have for
this program is that it is

a bit confusing if you do not follow the step by step
way of learning about

it. I made the mistake of going directly to the main
site before reading all

of the material I was presented with on the
promotional site. But even so,

there is so much material written on this program, it
can take a lot of time

to wade through it. But, I have finally gotten the
full, condensed,

Âstraight scoopÂ and full explanation I wanted safely
downloaded. I am

putting this in our files area. Suffice it to say
that with a little

patience, you can easily start earning a six figure
income in about a year

and a half, starting with almost nothing. Many are
now doing just that.

Here is a link to the promotional page. Sign up,
take the tour, read, and

then take the plunge. You will be glad you did! And
the good news is you

can start with as little as $20.00!
http://www.emoneynews.com/member/?ID=destiny

PIPS:
Many report that this is simply the BEST program on
the net! In fact, our

sponsor reports that he made six figures from this
program! He has been in

it for 2 years and they have never failed to pay or
meet their obligations.

Another man we know of is making over $900.00 PER DAY
with this one, and

probably the biggest heavy hitter of all time is
making about $2,500.00 PER

DAY with this one! These reports all come from
credible, reliable sources!

And now, if you donÂt want to use your credit card to
join PIPS [like me],

you can use Xchangers to send money to our PICPAY
account, and, once it is

there, you can then invest in PIPS that way, plus you
can now send money from

PICPAY to all the ecurrencies and out exchange
methods Xchangers has to

offer. We also have reports that the bricks and
mortar businesses PIPS

claims to have are REAL, AND VERIFIED! There has
never been any other

program like this, so get in now while the getting is
good Â youÂll be glad

you did!
https://pips.pureinvestor.com?sponsor=destiny

Realty Millions. A genuine Dot Com Millionaire is
allowing average people

like you and I, to earn return rates usually reserved
for the high-end of the

market. An excellent and secure online environment.
This is NOT your typical

HYIP, but it does have ACHIEVABLE rates of return in
the REAL WORLD. You

also receive a FREE EBOOK just for visiting the site!
http://www.realitymillions.com/index.php?ref=destiny

SHG Investment Group. Our sources tell us that this
program has been around

for over a year, and we personally know of one person
who has went through an

entire year of payments and received their principal
back! And this was some

time ago! As many of you know, the 1 year mark is
very important. That

marks the time when those principal returns must
begin, and if any of you

recall Osopps and certain others, that is the point
where those programs

finally died. So, for a program that has passed that
point, it shows more

staying power than almost anything else out there,
and so deserves your

attention. We are not telling you to bet the farm,
we never do, but this is

a good bet, in our opinion. 20% / month may seem
like a small return, but it

is high enough that if you get it for a year or more,
you will certainly love

it! And this is certainly better than those programs
that promise the moon,

and run with everyoneÂs money after a few months.
This year has seen enough

of those. So we now recommend this seasoned program.
Please put our

referral number, 106910 in the memo portion of your
spend. Enjoy!
http://www.shg-ig.com/cgi-bin/script.cgi?id=106910

Monster Prelaunch
Don't Get Left Behind --
Be a Part of This Awesome Initiative!
DO YOU WANT TO LIVE IN A BETTER WORLD?
A NEW HUMAN CIVILIZATION IN WHICH "WORLD PROBLEMS,"
PARTICULARLY AMONG THE

LEAST ADVANTAGED -- PROBLEMS LIKE POVERTY, DISEASE,
ENVIRONMENTAL

DEGRADATION, ETC. -- ARE BEING ADDRESSED IN MORE
COOPERATIVE, CREATIVE, AND

PRODUCTIVE WAYS...
There are many individuals and groups working for a
better world. But how can

these idealists and visionaries successfully compete
against BIG BUSINESS and

BIG GOVERNMENT who often don't seem to care about the
plight of the

downtrodden population and the degraded environment?
Join Us Now And Be a Part of This Awesome Initiative
http://www.monsterprelaunch.com/bw/623

Eqqu Â Free email that PAYS YOU! There is a BRAND
NEW free email service

that is launching on Oct. 1st, and it has a TWIST.
Not only is the email

service FREE, but they will PAY YOU to use the service!

This is such a great opportunity because, just like
PAYPAL, they are willing

to share some of their advertising revenue with you
by paying you to send and

receive email through them.

Of course, this is NOT a privacy oriented email
account, so don't send or

receive sensitive emails with it. But, for general,
everyday use, it

certainly can't be beat being paid for reading email
-- even that obnoxious

spam, since they pay per click!

And they pay you several levels deep, so you can
build your earnings over

time. This won't make you rich, but it is better
than LOSING money on the

net, and you are in on the GROUND FLOOR!

Check this out at:

http://www.eqqu.com/?destinyworldwide

The Money List. This is not an HYIP. This program
lists real opportunities

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=========================================
FEATURE ARTICLE
=========================================
*Online Lottery schemes. A form of Advanced fee scam

If it is an advanced fee, it is likely a scam

If you are like many other people who currently use
cable or aDSL
services, you leave your computer online at all times
even when you
are sleeping. You get up in the morning and open your
email and find an
email with the subject of "Grand Prize Winner."

Normally these email come with the subject and
portions of the email in

capital letters. This is common for most spammers and
scammers. For
some reason using capitals is the way many scammers
give themselves
away. When it comes to online lotteries, they are all
scams.

In most cases you can easily spot the scam. The email
is more than
likely received to an email address that is at times
older than most
programs you are in. The concept around the lottery
winning scheme is
similar to how Nigerian 419 scams are drawn out.

Like 419 scams, lottery schemes will also require you
the "winner" to
make an advanced fee payment to cover the "costs" to
transfer the funds.
This is where the scam is centered a round your
advanced fee payment.

How much is the advanced fee? This is usually
determined by who is
running the scam and through any future
correspondence you may have
before the funds are to be sent. Either way the fee
usually ranges from a
few hundred to possibly a couple of thousand dollars.

According to most of the policing authorities, all
opportunities that
require an advanced fee payment should be considered
as a scam. Any
reputable company would not require such a fee to be
paid up front. Here
is the copy of the email received.

NATURE LOTTERY INTERNATIONAL B.V
Camera Obscuralaan 12a,3021 at Amsterveen - Holland
DATE: 5th, October 2004
FROM: THE DESK OF THE VICE PRESIDENT.INTERNATIONAL
PROMOTIONS/PRIZE

AWARD..BATCH: EGGS-342-891-014: REFERENCE: 3512/14/1PD

ATTENTION:
RE: AWARD NOTIFICATION.

This is to inform you of the release of the Nature
lottery held on the
27th of September 2004. The results were released on
the 2nd, October,
2004. Your email address was attached to ticket
number 701-416-902-512
with serial number 712-981-201-742 that drew the
lucky numbers of

942-291-011-09-798, which consequently won the
lottery in the 1st
category.

You are therefore been approved for a lump sum of
payment of Dollars

1,200,000.00 (ONE MILLION TWO HUNDRED THOUSAND
DOLLARS, in cash
credited to file with REF:NÂº.EGS/5232-7624/3128. This
is from US

$75,000,000.00 (SEVENTY FIVE MILLION US DOLLARS) in
cash among the 16

participating finalist playing 6,000 full tickets.

CONGRATULATIONS!!!

Your fund is now deposited with our Security Company
and insured in
your name. Due to mix up of some numbers and names,
we ask that you keep
this award from public notice untill your claims has
been processed and
the money remitted to your account as this is part of
our security
protocol to avoid double claiming of unwarranted
taking advantage of
this program by participants as it has happened in
the past.

All participants were selected through a computer
ballot system drawn
from 26,000 names from Asia, Australia, New Zealand,
Europe, North and
South America, Middle East and Africa as part of our
International
Promotions Program. We hope your lucky name will draw
a bigger cash
prize in the subsequent programs. To begin your
lottery claims , please

contact our foreign service manager.

MR:GARVIN MARCUS
Email Address:(garvxxxxxxx@netscape.net)
Telephone:0031-xxx-xxx-664

Remember, all prize money must be claimed not later
than two weeks
from the day you receive this notification.

Any claim not made before this date will be returned
to our suspence
account. And also be informed that 2% of your lottery
winning belongs
to your agent because they are the company that
bought your ticket and
played the lottery on your name, NOTE this 2% will be
remitted. After
you have received your winnings prize because the
money is insured in
your name already.

NOTE: In order to avoid unnecessary delays and
complications, please
remember to quote your reference and batch numbers in
every
correspondence with us or your claim agent.
furthermore, should there
be any change of address, please do inform your claim
agent as soon as

possible. A copy of your lucky winning ticket and
your deposit
certificate will be sent to OUR foreign service
manager MR,Garvin Marcus.

CONGRATULATION!!!!!
Once again from all members of our staff and thank
you for being a
part of our International promotions program. we wish
you continued
good fortunes.
Sincerely yours,
MRS.PATRICIA ANDREW
LOTTERY CO,ORDINATOR

=========================================
REAL WORLD INVESTMENT NOTICES
=========================================
I am associated with an extremely wealthy investor.
He is seeking non-US

companies interested in expansion. The road to doing
that...and getting funds

from him...lies with listing on a US stock exchange.
He has a method to do it

extremely inexpensively. Once the listing is done, he
will invest funds in

such a company to be used in a particular manner. His
intent is that the

company will follow his instructions and expand into
a $100 million

international company which will become an
acquisition target by a multi

national giant. Any such company must be already
producing annual sales of at

least $500,000. NO STARTUPS. Those who can find and
bring in such clients

will be financially rewarded and will own stock in
the company.

His program is extremely well thought out and is
based on over 20 years

knowledge and experience with taking companies public
and investing in public

companies.

This becomes an excellent passive investment with
very little actual work

involved once the introduction is made.

For more info. contact porongo @ safe-mail.net
[remove spaces
around the @ sign -- we are doing this to combat spam]

=========================================
NEWS DIGEST
=========================================
*Evocash Gone?

I received the following email this morning from one
of my safelists. I have verified that Xchangers has
taken Evocash off its list of currencies. I have also
verified that the Evocash site says "down for
maintenance."

That Xchangers would stop dealing in Evocash is strange,
since there is ample evidence that they are one and the
same company. So the question is: Is Evocash a
fractional
reserve currency that has finally collapsed, and, if so,
are the owners trying to "salvage something" by keeping
their Xchangers operation open?

Only time will tell. Here is the email alert below:

I received this from another listowner, I have
no idea why this would be such a crisis to the
other ecurrencies as he states below. I can see
it being a crisis to the people who have money
in there. I also am not sure of his statement
that Evo is the only ecurrency not backed by
gold. perhaps that might be more accurate to
read they are the only ecurrency not CLAIMING to
be backed by gold.

anyway, just FYI

UPDATE AND REVIEW ALERT ALERT

The next 24-48 hours are going to be critical to
the survival of the e-currency field!

X-changers has stopped processing any evo-cash
exchanges. No explanation from x-changers yet
as to the reasons. evo-cash is the only major
e-currency not backed by gold!!

The Evo-cash web site is down for maintenance
according to the site. There was no advance
notice that I know of.

There was no notice from evo-cash of the
breaking off of relations with x-changer.

My personal feeling is that goes back to
evo-cash seizing funds belonging to FLO and
refusing to account for them. X-changer was
taking a lot of flack over that when they were
completely on the outside.

What can we do? Not a darn thing except keep in
close touch with the situation. It is going to
have a huge effect on all programs unless the
situation is resolved with no further delay

Will keep you up with ongoing developments as
they occur.

*THIS JUST IN! More info. on the Xchangers/Evocash
Situation

X-Changers ceases EvoCash exchanges
FLO Situation MUST be responded to

Since the end of August 2004, the relationship
between EvoCash and
X-Changers has been pushed to the brink. For over
five years EvoCash
and X-Changers have had an excellent working
arrangement, this has now
come to a head due to the freezing of FLO funds.

The announcement was not made public like the time
when EvoCash
actually froze the FLO funds. The announcement has
been quietly made
between X-Changers and EvoCash.

The e-Told Reports have learned that the stoppage of
out-exchanges
commenced on October 13, 2004. At that time any
exchanges dealing with
either funding or out-exchanging of EvoCash have been
returned.
X-changers does state that they will continue to
offer EvoCash once the
funds embroiled in the dispute are returned to where
they came from.

The main reason X-changers have gone to this extreme
measure is because
of the lack of comment coming from EvoCash.
X-Changers has had to deal
with much of the complaining from customers. Many
serious believe that

X-changers and EvoCash are associated. The only
association between these
two entities is business.

While EvoCash continues to hold the funds and makes
no announcement as
to when, where, or how the funds will be distributed,
X-Changers has had
to deal with having their personal reputation and
credibility destroyed
due to the silence of EvoCash is working on this
problem.

At the beginning of October, it was announced that
the Government of
Denmark had shut down CashChange from doing business.
With X-changers

stopping exchanges from EvoCash, it leaves EvoCash
with no main
exchanger. There are still many reputable exchangers
handling EvoCash.

The X-changers move to cease dealing with exchanging
EvoCash is considered
to be temporary. Once the funds held in FLO accounts
are distributed back
to where they belong, X-Changers will more than
likely return to a normal

business relationship.

[Our Question of the Day: What then of FLO? Any
readers with real, up to
date info. please send it to me at
invest_rite-owner@yahoogroups.com]

*Golden Corp accused of Theft

Making THEIR life better with YOUR gold

The group that are running http://www.golden-corp.com
has been accused
of not completing the tasks promised by the
information posted on the
web site. The program has been reported due to
incomplete payouts on
the 9% non-compounded plan being offered.

The report shows that only 8 of 18 payments were
completed and that
makes for 72% of the total principle has been
returned. Many programs
tend to follow this angle by holding back a portion
of the funds as
profit for the Admin.

In many cases a program will hold back payments
because the program
has failed to bring in enough players and funds.
Since the program has

stopped paying, the Admin has posted a couple of high
priced investment
plans that seem to be simply there to steal more gold.

One of the new plans offers non-compounding while the
other includes

compounding. The non-compounding plan offers 12%
daily for 20 days,
with a minimum spend of $1,000.00 The second plan
that is compounding
also has a minimum spend of $1,000.00. Both are
offering the deposits
to be 100% secure. This of course is false information.

The so-called compounded long-term 60-day plan is
also one to not invest
in. The report includes the fact that some funds were
placed into this

compounded plan. The complaint goes on to state that
they are not
expecting any returns from this program.

The domain was created on the 13th of August 2004.
The domain
registration was made out to a Maury Simon who is
using email
address [info@golden-corp.com]. The mailing
information has this
person living in Arlington Texas. The domain is being
maintained
through ns1.xp-hosting.com.

*ID thieves target enterprises; more than 50
companies victims of scam

As an Internet surfer you have seen and read about
the methods used by

criminals to steal your identity. The criminals are
now assuming the
names of legitimate companies and creating web sites
for the purpose of

theft.

The web site is set up under the name of a reputable
company. The
scammers then apply for merchant accounts and set up
credit card
processing on the web site. Orders are then placed
through the fake
sites for the purpose of raking in a sizable profit.

The revenue is then sent to separate accounts so that
the money is not
as traceable. By the time the crime is spotted the
scammers have put
away a fair amount of money from the scheme.

Numerous companies have fallen for this scheme. One
company called
T-Data was given a bill for $15,000.00 in credit
fees. Along with
T-Data there are some 50 other firms that have been
victims of this
identity theft.

John Leyden from the Register wrote the following
article, which can be
read in full by clicking on the link provided below.

ID thieves are going corporate. Assuming the identity
of consumers to
obtain loans and credit cards under assumed names has
become the US's
fastest growing crime. Now fraudsters are applying
similar tricks
against potential enterprise victims.

Here's how it works. Crooks set up web sites under
the names of
legitimate companies and apply for merchant status
with credit card
payment processing firms. Next they put orders
through these bogus
sites using credit cards, raking off a tidy
percentage in the process.

Crooks direct these illicit revenues to separate
accounts in the hope
they'll be able to draw out a sizable wedge by the
time their ruse
is rumbled. The trick is to obtain numerous merchant
accounts for each
bogus site.

* Foreign Fund Closed by FEDS

You can read the government's news release closing
them down here:

http://www.cftc.gov/opa/enf04/opa5005-04.htm

=========================================
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One final note, if you want to do a solo mailing
to the list, that is available on a limited basis
if we decide that your product or service has merit.
Email us at the above address for more details.
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We accept Visa, Mastercard, Diners, Discover,
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We give you hard hitting, timely, common sense
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Resources: You should find the following websites
informative
and useful in your quest:

Find out about our OTHER Exciting E-mail groups on a
broad
range of important topics. Subscription boxes for
all of
them may be found here:

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The Restoration Website:
http://www.destiny-worldwide.net/rcg/

Destiny Central Success Resources
http://www.destiny-worldwide.net

The Costa Rica Page --
The Fun, the Sun.... The business opportunity
http://www.destiny-worldwide.net/costa-rica/

Your Safe, Secure, Offshore Payment Processor
http://www.offshorearnings.com

=========================================

2004-09-03T11:57:00.000-07:00

Earthquakes are now occuring in parts of the world that do not normally have them, and they will increase all over the place as time goes on, so EVERYONE should read this and remember it.
These survival techniques are many times EXACTLY the opposite of what you have "always heard," so ammend your earthquake survival strategies accordingly.
John
-------- Original Message --------Subject: [Captain_nibiru] What You Were Taught About Earthquakes Was WrongFrom: "captain_nibiru2003" <dewerly@yahoo.com>Date: Fri, September 3, 2004 11:00 amTo: Captain_nibiru@yahoogroups.com

READ EVERY word of this important post!
In a message dated 9/2/2004 2:43:19 PM PacificStandard Time, atasha@starlink2.freeserve.co.uk writes:
What You Were Taught About Earthquakes Was Wrong
EXTRACT FROM DOUG COPP'S ARTICLE ON THE"TRIANGLE OF LIFE", Edited by LarryLinn for MAA Safety Committee brief on 4/13/04.
My name is Doug Copp. I am the Rescue Chief andDisaster Manager of theAmerican Rescue Team International (ARTI), theworld's most experiencedrescue team. The information in this article willsave lives in an earthquake.
I have crawled inside 875 collapsed buildings,worked with rescue teamsfrom 60 countries, founded rescue teams in severalcountries, and I am amember of many rescue teams from many countries. Iwas the United Nationsexpert in Disaster Mitigation (UNX051 -UNIENET) fortwo years. I have worked at every major disaster inthe world since 1985, except for simultaneousdisasters.
The first building I ever crawled inside of was aschool in Mexico Cityduring the 1985 earthquake. Every child was undertheir desk. Every childwas crushed to the thickness of their bones. Theycould have survived bylying down next to their desks in the aisles. Itwas obscene, unnecessaryand I wondered why the children were not in theaisles. I didn't at thetime know that the children were told to hide undersomething.
Simply stated, when buildings collapse, the weightof the ceilings fallingupon the objects or furniture inside crushes theseobjects, leaving a spaceor void next to them. This space is what I callthe" triangle of life". Thelarger the object, the stronger, the less it willcompact. The less theobject compacts, the larger the void, the greaterthe probability that theperson who is using this void for safety will notbe injured. The next timeyou watch collapsed buildings, on television, countthe "triangles" yousee formed. They are everywhere.
It is the most common shape, you will see, in acollapsed building. Theyare everywhere. I trained the Fire Department ofTrujillo (population 750,000) in how to survive,take care of their families, and to rescue othersin earthquakes.
The chief of rescue in the Trujillo Fire Departmentis a professor at Trujillo University. Heaccompanied me everywhere. He gave personaltestimony:
"My name is Roberto Rosales. I am Chief ofRescue in Trujillo. When I was11 years old, I was trapped inside of a collapsedbuilding. My entrapmentoccurred during the earthquake of 1972 that killed70,000 people. I survived in the "triangle oflife" that existed next to my brother'smotorcycle. My friends who got under the bed andunder desks were crushedto death [he gives more details, names, addressesetc.]...I am the livingexample of the "triangle of life". Mydead friends are the example of "duckand cover".
TIPS DOUG COPP PROVIDES:
1) Everyone who simply "ducks andcovers" WHEN BUILDINGS COLLAPSE is crushed todeath -- Every time, without exception. People whoget underobjects, like desks or cars, are always crushed.
2) Cats, dogs and babies all naturally oftencurl up in the fetal position. You should too in anearthquake. It is a natural safety/survivalinstinct. You can survive in a smaller void. Getnext to an object, next toa sofa, next to a large bulky object that willcompress slightly but leavea void next to it.
3) Wooden buildings are the safest type ofconstruction to be in during anearthquake. The reason is simple: the wood isflexible and moves with theforce of the earthquake. If the wooden buildingdoes collapse, large survival voids are created.Also, the wooden building hasless concentrated, crushing weight. Brickbuildings will break into individual bricks. Brickswill cause many injuries but less squashed bodiesthan concrete slabs.
4) If you are in bed during the night and anearthquake occurs, simplyroll off the bed. A safe void will exist around thebed. Hotels can achievea much greater survival rate in earthquakes, simplyby posting a sign onthe back of the door of every room, tellingoccupants to lie down on thefloor, next to the bottom of the bed during anearthquake.
5) If an earthquake happens while you arewatching television and you cannot easily escape bygetting out the door or window, then lie down andcurl up in the fetal position next to a sofa, orlarge chair.
6) Everybody who gets under a doorway when
buildings collapse is killed. How? If you standunder a doorway and thedoorjamb falls forward or backward you will becrushed by the ceiling above. If the door jam fallssideways you will be cut in half by the doorway. Ineither case, you will be killed!
7) Never go to the stairs. The stairs have adifferent "moment of frequency" (theyswing separately from the main part of the building).Thestairs and remainder of the building continuouslybump into each other until structural failure ofthe stairs takes place.
The people who get on stairs before they fail arechopped up by the stairtreads. They are horribly mutilated. Even if thebuilding doesn't collapse,stay away from the stairs. The stairs are a likelypart of the building tobe damaged. Even if the stairs are not collapsed bythe earthquake, theymay collapse later when overloaded by screaming,fleeing people. They should always be checked forsafety, even when the rest of the building isnot damaged.
8) Get Near the Outer Walls Of Buildings OrOutside Of Them If Possible -It is much better to be near the outside of thebuilding rather than theinterior. The farther inside you are from theoutside perimeter of the building the greater theprobability that your escape route will be blocked;
9) People inside of their vehicles arecrushed when the road above fallsin an earthquake and crushes their vehicles; whichis exactly what happenedwith the slabs between the decks of the NimitzFreeway. The victims of theSan Francisco earthquake all stayed inside of theirvehicles. They were allkilled. They could have easily survived by gettingout and sitting or lyingnext to their vehicles, says the author. Everyonekilled would have survived if they had been able toget out of their cars and sit or lie nextto them. All the crushed cars had voids 3 feet highnext to them, exceptfor the cars that had columns fall directly acrossthem
10) I discovered, while crawling insideof collapsed newspaper officesand other offices with a lot of paper, that paperdoes not compact. Largevoids are found surrounding stacks of paper.
http://www.ajc.com/news/content/news/0904/02quakepredict.html

---->Gaming solutions, and Ecurrency systems and usages ! ----- New Investment Opportunities ------ ----> Encryption Services, Relocation Services to ----> Costa Rica, and Elsewhere Privacy/Offshore Consultations ----> Send email to: porongo@safe-mail.net for info. --<>-- --<<<+>>>-- --<>-- ----> Become the Success You Deserve in Life! ----> Visit Destiny Central http://www.destiny-worldwide.net <--- --<>-- --<<<+>>>-- --<>-- Get Spiritual Refreshment. Restore your soul. ----> http://www.destiny-worldwide.net/rcg/ <----------------- ----> Discover the mystery of Costa Rica! ----> http://www.destiny-worldwide.net/costa-rica/ <--------------- --<>-- --<<<+>>>-- --<>-- -----------------> Visit our New Blogs! <----------------- ----> SuccessQuest http://successquest.blogspot.com/ ----> The Real Truth http://destiny-worldwide.blogspot.com/ ----> Costa Rica News http://costa-rica-news.blogspot.com/ ------------------

2004-08-11T12:28:00.000-07:00

From:
lunarii
Reply-To:
irccr@yahoogroups.com
To:
irccr@yahoogroups.com
Date Sent:
11-Aug-2004 21:19:47 +0200

No attachments...

It has become pretty clear to this reporter, and has been mentioned
widely in the Costa Rican press in the last 24 hours by high ranking
officials, that these nasty rumors to spark this banking crisis may have
eminated from some of the Yahoo newsgroups, and other internet chat
forums.
What is not commonly known, is that the US Government commonly uses
shills placed on all kinds of internet newsgroups, to forward their
party line, and to shut up the opposition.
They seem to have invested a tremendous amount of resources in this
endeavor.
Just this morning, we received an anonymous email discussing this very
subject, and I include it below for your interest:
------------------------------------------------
Shills from varies UK, US and Canadan Groups
once they were done with the Brothers, are
now moving onto bigger fish like the banks
of Central America, to repeat what happened in
Argentina.
If they still had the Brothers around, it would be
far more difficult to deal with bring down a country.
This latest panic run on the bank which turned out to
be a false alarm looks to of been orginiated in part
due to the IMF recent visit and the Internet Chatter
coming from the economic terrorists.
These people are hell bent on keeping the people of the
world under their control.
==============================================================
As a closing note, I would like to identify one potential shill on this
newsgroup. You can review the archives, see his tactics, and thus be
better able to spot these shills wherever they might be, and shut down
their idiotic rhetoric.
I will point out that some of the simpler shills will use sarcastic
remarks, belittling statements, and other attacks against posters they
don't like to embarrass them and make them lose credibility in the
groups, so that no one pays any attention to them anymore, and the shill
becomes the one to listen to.
They will belittle talk of the New World Order, they will attack
vehemently anyone who dares to mention the truth about the IMF or World
Bank, or other globalist institutions. The sarcastic put down is their
main tool.
But, when this doesn't work, they will resort to blatant character
assasination, and frontal assaults, hoping to cow their target into
submission.
A perfect example of this on this very news group were the outrageous
attacks made by a Jim Peck against Destiny Worldwide.
Destiny Worldwide made a few challenges to statements Peck made
condeming and trashing the Costa Rican government, its lawyers, etc.
If one will take careful notice, this Peck joined the IRCCR group on
July 18 of this year, just about the same time that the negative chatter
about the solvency of the entire Costa Rican banking system was
beginning to be aired on other newsgroups.
There is no doubt in my mind that Peck intended to sow such division on
the IRCCR group as well, as he thought that the people on this list have
money invested in this country, so he could get more "bang for his buck"
by scaring these people with money away from investing further here, and
sending what money they do have out of the country, which is the exact
tone of posts on other groups, most notably Costa Rica Living.
Peck has an interesting background to say the least. He is a former
commission salesman for a scam operation called The Vault, and worked
closely with its owner, Roy Taylor, who committed suicide rather than be
taken into custody by Costa Rican authorities. Or, was it a suicide, or
an assasination? We will never know.
Never the less, informed sources in the Costa Rican legal community have
informed us that Taylor is suspected of having major mafia connections.
The interesting question is "What was a licensed PI (we have not been
able to confirm his license status by the way, and it may just be a
figment of his overblown imagination)doing selling scam investments and
working for a suspected organized crime figure?"
As the Vault began to get into trouble, at that very moment, in fact,
our fearless PI, whom some have called Baretta in this group, Peck
decided to open an office to "help" Brothers investors track down
Enrique Villalobos. He said that he expected "quick success," when he
opened his doors on June 12 of 2003, but he had closed his doors and
refused to answer emails by as early as Sept. 11, 2003, according to
AMCOSTARICA.
So what was Peck really doing in his offer to "help" the Brother's
investors? Was he in fact taking names for a government shit list? Or,
did he just set up shop to take in some fun money, and then quickly
close up shop and take these advance fees with him, knowing that most
Brother's investors valued their privacy, and wouldn't be willing to sue
to get the money back?
In other words, this could have either been a spy operation on behalf of
some US government agency, and / or it could have been an attempt to
bilk already strapped investors out of hundreds of thousands of dollars
more, and then close up shop and leave with the loot.
Unfortunatey, we will probably never know for sure, but his posting
pattern to this group seems to indicate that at the very least he was a
government shill sent to this group to foment more panic among already
shell shocked investors, knowing that many of them had accounts with
Banco BAC, and thus adding fuel to yesterday's fire, in their misguided
attempt to close down the bank.
As to Peck's claims against Destiny Worldwide, it would appear that
those attacks were launched to discredit that orgnization and blacken
its reputation in the public eye, so that their contradictions of Pecks
posts and motivations would be ignored by the group. He used extreme
hardball tactics, including attempting to get their website taken down,
yahoo ID cancelled, etc., as well as recently issuing a totally
laughable "e-commerce alert" against that organization, which totally
ignores the facts about that organization.
But, his tactics backfired on him, and Peck only succeeded in making a
complete ass out of himself in public, losing any shred of credibility
this former scam salesman might have had to those ignorant of his
background.
In fact, every indication points to the idea that Peck is indeed a
government agent, and may have been instructed to assist in the
operation for the destruction of the Costa Rican economy.
It is hoped that this expose and analysis of of the government shill
process will help people to identify these creeps wherever they might
be. And Peck's postings are a prime example of what one should look
for.
If Peck wants to threaten us with a lawsuit too, he can be our guest.
It will get him absolutely nowhere, and our suggestion to him is that he
leave his present position and find honest employment with someone who
is not trying to screw people's lives over on a daily basis.
This has been a presentation of ................ LUNAR NEWS
30----------

2004-08-09T14:40:00.000-07:00

This is an emergency open letter to the AALPI, and a posting to all Destiny Worldwide Net Newsgroups and blogs, the IRCCR yahoo group, and the AALPI. This Church and its related organization has come under attack by Satan, in a most vicious and hateful way. This is the FIRST such alert we have EVER published, and we ask for members and friends to pray earnestly in this matter, that God will stay the hand of Satan, and rebuke him, throwing him back into the pit where he belongs. We further appeal to members and friends, that they contact whatever legal help they can in their own community, and give a generous donation to keep this organization going in this time of distressing need. We will prevail. God is not mocked! We are sending this to ALL of our outlets, in case Satan temporarily succeeds in his vile campaign to silence our communications.
http://www.destiny-worldwide.net/rcg/

To Whom It May Concern:

I have been a church pastor for over 12 years now, and a man of God all my life. As you can understand, in my profession, I seek to help people, not to hurt them.
However, this organization has recently come under attack by a PI from the State of Arizona, a James B. Peck. We are appealing to your Association to intervene in this situation before it becomes a public embarrassment to the entire Private Investigations profession in the State of Arizona.
But, before we get into what he has done, and how he has attacked us, perhaps you would like to know about James B. Peck’s interesting activities in Costa Rica. I believe this will cast this matter into a light that Mr. Peck would rather not discuss. However, since he has attacked us, we have no choice but to set the record straight as to who is behind the vicious, untrue, and Satanic accusations he has made against us.
Here is some background you may not be aware of concerning this PI.
This information comes from published sources at http://www.amcostarica.com
Once there, you just need to enter the name James Peck, and three results will pop up from your search. If you prefer not to do the search, or the articles have been taken down for some reason, we have archived them and can email them to you as file attachments should that be more convenient for you.
I think you will find these stories to be of interest:
1. Some time ago, James Peck worked for a company in Costa Rica called The Vault. He was a salesman for their high interest investment scheme, which later turned out to be a gigantic scam. Roy Taylor, the owner of the Vault, shot himself rather than face the police when they raided his office. One of our members was told a few years back by his attorney that Roy Taylor had “mafia connections,” and warned him to stay away from him or his business. So, the question is, what was a licensed PI doing working for an alleged gangster and / or con artist, earning money from selling the scams for a commission?
2. It is curious that the announcement of Peck’s Operation Recovery Task Force appears in the same issue of this online newspaper that covers the growing scandal at the Vault. Did he switch right from being a salesman for the Vault to his new venture “helping” Brothers Investors?
3. It is further stated in the press that Mr. Peck also had an investment with another high yield loan outfit called The Brothers. We wonder whether Mr. Peck has reported his earnings in either venture to the IRS? We are reporting this matter to the IRS’s office of criminal investigations, as well as the following piece of information:
4. Concerning the office Mr. Peck opened up in Costa Rica some time ago, to “help” investors recover their funds. The Sept. 11, 2003, edition of AMCOSTARICA.com, had this to say about it:
Others, number unknown, have contracted with Jim Peck, a former investigator from Arizona and commission salesman for The Vault. Peck, a Villalobos creditor himself, said June 12 that he had set up an "Operation Recovery Task Force" to find Luis Enrique Villalobos and force him to pay back money owed to those who join the task force. He predicted quick success, but nothing has been heard from him since and he has not responded to e-mail messages.

I find this very curious. What happened to the money he collected from those who signed up with his “Recovery Task Force?”
The June 13 AMCOSTARICA of the same year says that he was charging an up front fee of 5% of the face value of investor’s investments in The Brothers to help them “recover” their losses, but, by Sept. 11 of the same year, according to the account above, he had closed up shop and left Costa Rica. Did he pay these advance fees back? Can he prove it? Did he pay taxes on it if he didn’t give it back?
This is of interest, because the AVERAGE investment with The Brothers is reported to have been $100,000.00 – with some having invested SUBSTANTIALLY MORE! So there is simply no way to tell how many tens of thousands or even hundreds of thousands of dollars Peck took in with this operation before he closed up shop and left town.
So, far from having the moral high ground here, James B. Peck, PI, has a lot of suspicious things in HIS background, and I am sure the IRS, the Arizona Department of Safety, and other agencies would be interested in hearing of Peck’s offshore adventures with alleged gangsters, etc.! I am sure your association would not want this mess to explode into the headlines of your local newspapers soon, but that is EXACTLY what will happen unless he immediately ceases from his persecution of this Church!
Dealing with issues involving carnal and unsightly behavior, gangsters, theft, revenge, back stabbing, slander, libel, witch hunts, etc., are not things that I care to deal with at any time. However, when I find my church and its work under attack, I have no choice but to speak out, especially when such attacks are mean spirited, malicious, slanderous, and libelous. The Bible teaches us that these are the works of Satan, not of God.
I founded the Restoration Church of God, and its outreach ministry, Destiny Worldwide Associates, back in 1992, to show a ray of light in an evil, Satanic, and hate filled world.
Jesus Christ taught us that we should live in peace with every man, holding malice towards none, and charity towards all. We are also instructed to turn the other cheek when attacked, but we believe that this does not mean we are to be a doormat for Satan to wipe his feet on our backs.
Therefore, it pained me very greatly to learn upon entering my office this morning that a vitriolic, mean spirited, Satan inspired attack had been unjustly launched against our organization and website by a man by the name of James B. Peck, who claims to be a licensed PI in your state of Arizona, giving his license number as “Licensed with Arizona Dept. of Public Safety, 00378135,” at the end of one of his viscous and spiteful hate emails. We have no way of knowing if this information is true or false, but we are requesting that you follow through on this matter, verify the license data, and see what you can do in this matter with the State of Arizona, as I am sure that your profession would rather clean its own house than have dirty laundry aired in public.
Just relating this matter brings me a great deal of pain and suffering, and has caused me immense emotional distress. I am very distraught that Satan has inspired this misguided man to launch such an attack upon our organization on the flimsiest of pretexts.
I have been praying for him on an hourly basis since learning of this fiasco, and had hoped that the Lord would lay it on his heart to cease and desist in his foaming rage and evil diatribes. But, sadly, this has been to no avail.
I do not wish to make this letter over long, as I am sure that you are quite busy and would quickly become bored with the horrid, lurid, twisted details, so I will summarize this for you briefly. If you have any further questions, or need further information from me in the investigation that I am sure you will wish to conduct, then I would be happy to answer whatever questions you might have pertaining to this matter at the email address this email is being sent from, which is our Church email address rather than one of the general office addresses.
After all, I know that most of the members of your organization are hard working, honest, professional men and women who would never dream of launching vicious and unfounded attacks on innocent Christian people, and I am sure that you would not want this matter to go into the news media or the general internet community, to tarnish the image of your hard working, decent, honest, members. I think that the fact that James Peck has chosen not to join your organization is a red flag already that something is not right with this man, and I ask that you do something about this matter immediately to stop this nonsense, or we will be forced to issue news releases, press kits, etc. to worldwide media which could do damage to the image of your entire profession.
We will, if necessary, insure that the public integrity and reputation of this organization is not tarnished by an individual seeking Satanic revenge for who knows what purpose. Please do not confuse our Christian character with being a doormat, nor allowing such outrages to continue.
This whole stupid thing started on a yahoo newsgroup, called IRCCR. It is my understanding that one of our email addresses is subscribed to this group, and since much of his character assassination and slander has taken place there, I have no choice but to CC that group.
Anyway, someone using that address at the time allegedly made a remark that James Peck was a “fraud and an arrogant SOB,” from what I have been able to gather. We still do not know, and may never know, if that post originated in our office or not, but, one of our volunteer staff on duty over the weekend, on God’s Sabbath, no less, encountered a sudden vitriolic attack from Mr. Peck against Destiny Worldwide, asking for “an immediate retraction of this slanderous, libelous spam.”
Apparently, this man has no respect for Jewish, Jewish Christian or regular Christian days of rest, as he continued his diatribes and threats all weekend. One wonders if he harbors anti Semitic or anti Christian views. It would not surprise me to learn that he does, but that is a matter between him and God.
To set the record straight, whether or not the statement in question was indeed slanderous or libelous would be for a court of law to decide, and, considering the sickening nature of this newsgroup, and the gratuitous insults found there, such a statement is indeed in character with the tone of that group.
I am shocked, therefore, to discover that one of our email accounts is even subscribed to a group so filled with hate, slander, and libel on a daily basis. And it most certainly was not spam, as Mr. Peck claims, because he subscribed to said group, and should have understood the low tone and nature of the posters there, and, if he did not accept that situation of opening himself up to public criticism, he should have unsubscribed himself from that group immediately, rather than continue to subject himself to unwanted criticism. So his ridiculous claim that he was “slandered by spam” reveals itself for what it is: totally false, misleading, malicious, and vituperative in the extreme.
You can be sure that as soon as this matter is resolved, I have given instructions to unsubscribe any and all of our organizational email addresses from this revolting group, but, unfortunately, we need to monitor and reply in this forum as needed.
It has been reported to me by the staff member on duty over the weekend that they issued statements in keeping with our general guidelines, and have disavowed all knowledge of said incident, and promised to get to the bottom of this. But this was not enough for Mr. Peck, who insisted that we admit that said email came from this organization, or someone within it, and that we admit that, and publicly apologize.
As you can well understand, this organization most certainly will not admit to having issued any posting unless we can prove that it did indeed originate in one of our offices, pending a complete investigation into the matter, starting today, Monday. Further, the staff member theorized that perhaps a hacker had hacked into the web based account in question, and posted this message to that group. This was simply a guess made by this staffer, and the matter remains under investigation here.
The staffer then issued a formal apology to Mr. Peck, but that was not good enough for him. Instead of waiting on the beginning of the work week for us to study this matter and get back to him as promised, he took it upon himself to start a vituperative war of aggression against us, sending hateful, slanderous accusations to Yahoo, our ISP, our administrative contact, and the entire world through this despicable IRCCR yahoo group.
The Bible teaches us that to rush to judgment is unwise, and a way of fools. It further states that “he who answers a matter before he hears the facts is a fool.” Unfortunately, we are dealing here with a rash, judgmental, angry, hate filled, and spiteful man who violates all of the principles of balance and prudence taught throughout the pages of the Bible.
Just to give you an understanding of the character of this individual, let me quote some brief excerpts from his recent emails, as well as some things published in the press about him. I am sure you will find this interesting.
> If I don't get an appology from you or whoever is
> responsible within 48 hours, I will be having your
> ISP investigate this matter and my legal team will
> be getting a court order to seize all your
> computers, examine your ISP's server and records,
> scan all hard
> drives, evaluate the evidence and take appropriate
> civil action,
> providing you have any assets. I will also
> seek Attorney fees.
>
To which our staffer answered with an apology and a promise to look into the matter further come Monday morning, when our offices opened.
He stated this to us:
=============================
As you are aware, your ISP has a zero tolerance for
spam and would

Note, the issue of spam in this instance is debatable, to say the least, to any rational mind.

probably shut your website down with the
physical evidence that I will be providing.

You could also loose all Yahoo privilages.

If the evidence supports legal liability, I will
also log your name,

Corporations, email address/s and domain
address/s on a worldwide spam registry. Your organization will be linked
to spam and no ISP will touch you in the future.

So, our volunteer did issue the demanded apology, but the attacks continue unabated, not waiting for the results of our own investigation into this matter.
Instead, he has done us much further damage today.
Peck is not a patient man, but rather very imprudent and prone to rush to judgment, not to mention extremely arrogant, as he himself admits.

The person responsible for the spam message in> question has not> begun to see arrogance!>> Jim Peck, P.I.> James B. Peck & Associates> Scottsdale, AZ 85254> >

I am sure this is not the image of the professional PI that you would like to present to the world!
But today, not wishing to wait on my reply as promised, he got even more ridiculous and defamatory:

At this time, I wish to issue an ecommerce
warning with regard to the Destiny-Worldwide.net web site.
In my opinion they have violated numerous FTC laws and
I am currently checking Costa Rican laws.
Those are ridiculous fabrications, and the ecommerce warning is also ridiculous, as we offer almost nothing for sale at our site, although we do gratefully take donations and attempt to help people in their daily lives! I don’t have the faintest idea what “FTC LAWS AND REGULATIONS” could apply to a CHURCH anyway, as we are a religious organization, which Mr. Peck COULD have discovered upon a further examination of the Restoration Website, which takes up the majority of the disk space on the domain.
We are taking Mr. Peck’s “warning” very seriously, and the question to you is, do you REALLY want such a person of this caliber representing the PI’s of Arizona to the world? Well, he IS, sad to say, unless you can help rectify this situation even though he is not a member.
But his vicious attacks and spurious accusations didn’t stop there. Further down in his most recent email of today, he writes:

When I wrote to the registrant of the domain and
asked a few questions, he continued to send spam
messages
What a ridiculous and untrue statement, and he knows it! Our address is subscribed to the list in question and so is his. Therefore, he has GIVEN HIS PERMISSION TO RECEIVE ANY EMAIL SENT TO THIS GROUP, AND HE KNOWS IT! If he doesn’t like the messages he receives from the list, he can unsubscribe himself, as we plan to do the moment these attacks on us stop and he issues an apology to EVERYONE he has contacted in this matter.
Also, since when are our representative’s explanations spam? In what warped, perverted, sick, mind can they be construed so?
Only Satan can be responsible for such horrendous and downright evil behavior.
========================================
in the forum. He never listed his name in the
message. This is very suspious to me.
Really, since when is not revealing one’s name and preserving one’s privacy “suspicious?” Especially when the “requests” are barked out as orders by some master to a slave. We will NOT tolerate your tone and attitude any further, Mr. Peck. How DARE you make such ridiculous and outrageous claims and insinuations? You should be glad that we have commissioned this matter to GOD, Mr. Peck, and are praying for your enlightenment, and that you will see the light of truth, love, joy, peace, and brotherhood, and will stop breathing forthe hate, envy, Satanic anger and spite!
OF COURSE the old lady who volunteered to answer our email over the weekend refused to give her name to a loud mouthed Satan inspired man breathing threats against her and her Church! As a pastor, I cannot call you what you should be called. All I can say is “Get thee behind me Satan!”
And I have given instructions to EVERYONE HERE not to give out their names to you, nor to anyone you are working with, as a precaution against who knows what further abuse you might subject them to personally!
HOW DARE YOU BE SO ARROGANT, RUDE AND PRESUMPTUOUS?

In view of the foregoing, I am focusing my
investigation toward the domain, the registrant and the ISP.

You are hereby demanded to cease all of your perverted postings, slander, and mud slinging immediately!
I am sorry, but I had to take a few moments to address myself to Mr. Peck, as he will be reading this message, in order to give him one last chance at repentance before we take this issue to its next level, which will be the worldwide media, the preparation of press kits, etc., etc..
As I said, this is weighing heavily upon my soul, and we need to have closure of this immediately, or we will next be contacting all media.
We appeal to you to mediate in this sordid affair, and to also report the suspicious activities and egregious behavior of James Peck to the appropriate regulatory authorities in your state, before reporters show up at both of your offices demanding answers in this matter.
We pray that God will give you enlightenment, grace, and wisdom in this serious matter that neither one of us enjoys.
As stated, it is our Church policy not to publicize names, so I simply sign this as:

Pastor General, Restoration Church of God

cc: IRCCR, all Destiny Worldwide Newsgroups and Blogs, AALPI

2004-06-07T09:42:00.000-07:00

The issue below of this newsletter is one of the most important I have ever read from them. Also, much of the subject matter dovetails completely with what we have learned so far in the online Success Lessons based on Wallace Wattle's book, The Science of Getting Rich.

All of this "spiritual garbage," as some would term it, is at the heart and core of true and lasting success, and all of the good things we want in life. If we master the powers of our mind, and learn about its true interractions with the Universe at large, then we can, indeed, literally "do or be anything."

Now, we come to a very crucial time for the human race and for each of us individually. The long awaited Venus transit is now only hours away. Have you prepared your mind for what is coming? Are you ready for the radical shift in human consciousness and being that this event portends?

We are now at the threshold of a very momentous event. Some will feel an immediate effect. For others, it will take some time to "set in." But the message below tells us we must welcome the change, the shift, not fight against it as some will want to.

Those who attempt to fight against this inevitable great step for the human race are only leaving themselves behind, while the rest of us will now be empowered to do something useful in our lives.

Perhaps this is why the shills have attempted to distract us in the last few months with messages of gloom and doom. I know I have forwarded a lot of these messages myself, but the reason I did so was to stimulate thinking and feedback.

Looking forward now, I do not see reason to fear, as long as we progress along a path of advancement.

I heard a message a year or so ago that said we were all in a cosmic shift -- well, NOT ALL! Those who are service to other oriented are advancing at this time, while those who are service to self, i.e. SELFISH, are standing still, and maybe even regressing.

Right now, to use a Biblical analogy, the wheat and the tares are growing together in the field, because it would be almost impossible to separate them out. But Christ told us that there will come a time when the wheat is harvested and put into the barns, while the tares shall be gathered up and burned.

So maybe we are nearning a time of fulfillment of this parable. The wheat repreents those with a pure heart, and honest motivations, with outgoing love towards neighbor. The tares represent those who are selfish, and everything they do is in service to themselves.

We have all grown up together in this world, and at times it is hard to tell one from the other. But, the time will come for separation.

That message that I heard said that as we develope, there will actually be a subtle dimensional shift. Those responding to the higher energy will gradually shift from the third dimension into the fourth. Those who aren't developing spiritually, will stay behind in the third.

That message also said that at this time, there will be great threats and perils and earth upsets in the third dimmensional space we are in now, but that the fourth dimensional space we are entering, which has actually been here all along, but we just did not perceive it, will be filled with joy, peace, and abundance.

So in essence, those who are transforming are moving to a higher, peaceful plain, while those who do not advance will settle out, remaining in the third dimmensional space we are now in, which is transforming into a horrible place of destruction and catastrophe.

I don't know if that message was correct, or whether something else entirely is happening. But something surely is. However you slice it, those who are advancing have no reason to fear. Only those who live in fear, and refuse to advance for their own selfish or fearful reasons, will have something to fear.

That reminds me of another passage from the Bible that says the fearful, and those who are cowards cannot enter the Kingdom of God. Maybe this is part of the meaning.

We must have the courage to face the new reality now upon us, and to move forward in peace, love, harmony, and joy. For us, tomorrow will dawn bright and sunny, filled with aboundant happiness. We must hold onto that thought, and invite others who will to join with us in that bright new world.

The time to imagine and to do great things is now at hand. Let's leave behind the fear and doubt, and head into the joy and peace that is dawning upon us with the new day tomorrow. And remember, TOMORROW IS ONLY THE BEGINNING!

Please read the newsletter below in full. I am sure you will find it helpful and inspiring.

John

-----Original Message-----
From: Mayan Majix [mailto:mayan3nn@yahoo.com]
Sent: Sunday, June 06, 2004 5:49 PM
To: rcg@destiny-worldwide.net
Subject: The 3rd Night News - 7th Issue - June 6, 2004

7th Issue

June 6, 2004
4 Sun

The real question of those reading these 3rd Night News letters is not how to survive the coming changes to our lives but how to Thrive through these changes.

For those of us who can conceive of our current society collapsing into a pile of rubble the situation we face is not so dire as those who cannot conceive of this happening. What can be perceived is able to be dealt with. Being blind sided by all that you have worked, hoped and wished for vaporizing within a few weeks time could be so traumatic that survival is not desired.

Currently on Earth, most people have been convinced that they are the effect of creation by religions and government. They are firm in their belief that their circumstances whether good or very poor are created by powers far above and beyond their own reach. In the evolution of consciousness we discuss at http://www.mayanmajix.com the above point of view is simple, it is scheduled for extinction.

As we have disclosed in historical record, a pattern of creation and destruction over the last 16.4 billion years, has fine tuned the Galaxies, our Sun, our Planet, our Physical Form and now, our current state of Consciousness.

Each time Light or Creation occurred, some part of consciousness was altered. Each time Darkness or Destruction occurred, some part of consciousness was altered.

Creation has manifested these things into physical in this order, Thought, Particles, Solids, Life and Life forms.

Through ourselves (us being one of those life forms) Creation has brought in, Purpose, Ability, Life, Thought, and Imagination.

It is through imagination that Creation through “Creativity” multiplies itself. This ability was bestowed on Homo Sapiens in the 5th Day of the Tribal cycle of the Mayan calendar - for more details see http://www.mayanmajix.com/lab_F1.html This ability was shown for the first time 45,000 years ago by the creation of art which at that time was shamanism, used as a tool to magically influence the future. During the 5th Night of that same cycle, some 32,000 years ago, Neanderthal went extinct for the lack of their ability to imagine a future. So they had none. A future is created only with imagination. As we have come forward in our development we went through a stage where we believe the world to be flat like a Frisby with nasty monsters waiting to devour hopeless sailors just off the edge. This turned out to be very false, look at the imagination that built that idea would you?

This is the evolution of consciousness on the march and it is only marching faster today. Instead of each “Day” or “Night” taking 7,900 years as in the Neanderthal’s time, each “Day” or “Night” has accelerated to happening in only 360 days. Now take a step back, look at that idea. We are talking about some kind of imagination just to be able to get that concept!

Some people can and some just cannot imagine this to be true.

I dare to say that most of you know at least a few people that would not be interested in these kinds of discussions.

Can you see the implications of the ability of imagination? Most of you were made afraid of your imagination while very young. This was done on purpose by religions, governments and financial institutions. Your parents, relatives, friends, teachers and personal bankers who worked so hard to stifle your imagination were just infected with the fear earlier than you were and should not be leaned on too heavily as the bad guys here. In general, imagination was taught as something unreal that will drag you away into deep dark scary places that could put an eye out or some such nasty experience. Day Dreaming would get you a stand in the hall, that’s what I experienced when I went to school. Imagination was explained as the province of artists, writers, actors, inventors and slick politicians or criminals. We were all warned about becoming involved with any of those occupations weren’t we?

Can you fathom where your imagination comes from? If you believe as we were taught in school that imagination comes from your mind then you are at a great disadvantage.

Imagination is a direct feed of possibilities from spirit to your mind. Just as your mind feeds the body thoughts of what the body should do, so your own spiritual self, feeds your mind what may become. You do not take all of the actions that the mind sends to the body do you? You have a great deal of control over which thoughts you take action on don’t you? If you don’t then you are probably reading this article in jail or in a mental institution for the lack of that control.

So, could you not also control which possibilities provided by your imagination you will focus on to bring into being? I say that you can. I say that anyone could and should begin to trust their imagination as a guide to the creation of their own future.

Another thing that greatly limits imagination in so many people are secrets. The more imagination you have the easier it is to imagine that you will be found out. This being most uncomfortable, lots of people turn off their imagination rather than come clean. Fear is such a powerful weapon.

What you imagine you are, and hold that vision, (persist) then that you are.

If you imagine yourself a victim of anything then you are. If you can imagine that no matter what the odds you will succeed then indeed you will.

We have the opportunity here, presented by creation packed with possibilities into each moment, to not just survive but to thrive, you only need imagine that you will and hold to that vision. Expect miracles, watch for miracles, be a miracle. This is our time.

This brings us to the subject of the Venus Transit June 8th, 2004. Much has been said about the possible effects of this transit. Most of the reports point to a massive increase in our ability to connect or communicate to each other coming with this transit. There is a whole lot of talk about the emerging of telepathic abilities as an extra human sense. It makes sense to me that our evolution as a race is not over but only speeding up. Our physical / mental processes are pretty well evolved by now and the mental / spiritual or mental consciousness aspect of ourselves, would be a logical next step in our evolution. Telepathy fits this bill to a “T”. Who will receive this ability to mentally / spiritually be in communication with others where distance is not a factor? Those, who imagine themselves able to do it. That’s who. Those who can not imagine or worse yet, would dread this kind of ability, will most likely not be included in this step of evolution.

This will cut the herd wont it? You bet your Bippy it will. Now don’t you go and worry that you’ve been left behind in the evolution if you don’t start getting telepathic calls from your “evolved” friends on the next day, June 9th. This is going to be a gradual thing like growing up and taking your first steps. Some walk at 9 months old, some at 18 months. Some kids talk at 10 months, some at 2 years, this is same kinda deal. Probably as this ability is developing, the first thing you will be able to notice about someone is; are they open to be telepathically communicated with or not. If not, there is a reason and you should walk the other way as quickly as is polite.

Yes, this will cut the herd quite nicely. The 3rd “Night”, when people are already receiving impulses to find others of like mind, will start taking on new ramifications and a jump in acceleration of this gathering will take place as well.

Actually, many of you have already been getting flashes of this ability especially with loved ones. Matty and I have been receiving your many good wishes as we travel on our current adventure we are calling the “Migration of Consciousness Tour.” We hope that you have telepathically gotten our heart felt thanks because our ability to communicate through email or telephone has sucked real badly recently. (Our cell phone just keeps roaming that means no remote internet either)

To get more detail of the trials, tests, meetings, miracles and victories on this tour check the web page for updates. http://mayanmajix.com/test.html

That’s it for this 7th issue of the 3rd Night News. Good “Night” everyone.

In service to the God~Us
Ian Xel Lungold
ian@mayanmajix.com

Ian Xel Lungold at the Mayan Calendar stone in Coba, Mexico

Note from MIKE (webmaster) - I want to give a special THANK YOU to
the 19 people who have volunteered to help with transcribing Ian's
Radio Interviews and by their hard work have made it possible for those
without Audio to read what Ian has been saying for the past few years.
To view the transcripts of past interviews, just go to the interviews
section of our website: http://www.mayanmajix.com/interviews.html

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2004-05-18T09:32:00.001-07:00

BUILDING AND MAINTAINING MARKETING MOMENTUM
By Charlie Cook

Some people seem to steadily increase their income while
others just make enough to pay the bills. What's the
difference between the people who make millions and the
people who struggle all their lives to get ahead?

If you want to attract more clients in order to build a
more profitable business you need three things. You need
clear goals, knowledge of how to market your business
and a plan of action. Your marketing is like the
proverbial three-legged stool. To function effectively,
all three legs need to be solidly in place.

Without clear goals you won't move forward. Without
marketing knowledge you'll waste your time instead of
pulling in many more clients. Without a plan of action,
your marketing won't get done.

Setting Your Marketing Goals
Staying on track can be a struggle, whether you are trying
to stick to a diet or get your marketing in shape. How can
you get started and maintain your marketing momentum? What
you need to do is make a commitment to specific marketing goals.

Winners set both large and small goals, and they put
specific goals in writing. This last task may sound
superfluous but it can make a big difference to your
success.

One of my goals had been to write a book, a task that
seemed overwhelming. Of course, no one writes a book all
at once, they are written a page at a time. With a
short-term goal of writing three to five pages a week,
I made steady progress, wrote three books and have
outlines for two more.

Take a piece of paper or fire up your word processor and
make a list of goals for yourself and your business.
Include both long and short-term objectives. When you
write your objectives where applicable include who,
what and when.

The easiest way to get started is by beginning with your long-term objectives and then getting more specific. Ask yourself the following questions.

- What are your five-year goals for your business?
- What are your marketing goals?
(They could be skills, knowledge, new prospects or new
customers.)

Be as specific as possible when answering these questions
and defining your goals. For example, you might say, "I
want to have published eight training manuals, be earning
two thousand dollars a day and working less than 40 hours
a week in two years."

In addition to setting broad and long-term goals, you need
to set small and short-term goals. Define your annual,
monthly, weekly and daily goals. Once you've got them down
on paper, take a copy and thumb tack it over your desk.

- What's a one-month marketing goal you can accomplish?
- What's a one-week marketing goal you can accomplish?

Some days you'll feel like you're on a treadmill going
nowhere and your long-term goals continue to be out of
reach. When this happens, try two things. First look at the list of what you've accomplished in the last week, month and year. Second, with your larger goal in mind, circle the next finite and easily completed objective on your list and get going.

Every time you complete one of your objectives, no matter
how small, you're that much closer to reaching your
long-term business goals. If you're writing a book, each
page you write puts you that much closer to your goal.

- Could you improve your marketing by clarifying your
long and short-term marketing goals?

When you have clear goals and track your marketing accomplishments, it is easy to stay motivated. As you make progress, revise your goals and you'll continually improve your marketing and be more successful.

-
2004 © In Mind Communications, LLC. All rights reserved.
-
The author, Charlie Cook, helps service professionals
and small business owners attract more clients and be
more successful. Sign up to receive the Free Marketing
Guide, '7 Steps to Grow Your Business' and the
'More Business' newsletter, full of practical tips you can
use at http://www.marketingforsuccess.com

*****
Photo Available at http://www.marketingforsucccess.com/images/head.jpg

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2004-05-18T09:32:00.000-07:00

2004-04-22T10:25:00.000-07:00

"(Leftists) love to say things like, 'We're
just asking
everyone to pay their fair share.' But government
is not
about asking. It is about telling. The difference
is
fundamental. It is the difference between making
love and
being raped, between working for a living and being
a slave." -- Thomas Sowell

"Today, wanting someone else's money is called
'need,'
wanting to keep your own money is called 'greed,'
and
'compassion' is when politicians arrange the
transfer."
-- Joseph Sobran

"Government is not beneficence, it is force.
And like fire,
it is a dangerous servant and a fearful
master."
-- George Washington

- - - - - - -

1. "Suppose you were an idiot. And
suppose you were a member of Congress. But I
repeat myself." --Mark Twain

2. "We contend that for a nation to try
to tax itself into prosperity is like a man
standing in a bucket and trying to lift himself up
by the handle." --Winston Churchill

3. "A government which robs Peter to pay
Paul can always depend on the support of
Paul." --George Bernard Shaw

4. "A liberal is someone who feels a
great debt to his fellow man, which debt he
proposes to pay off with your money." --
G. Gordon Liddy

5. "Democracy must be something more
than two wolves and a sheep voting on what to have
for dinner." --James Bovard, Civil Libertarian
(1994)

6. "Foreign aid might be defined as a
transfer from poor people in rich countries to rich
people in poor countries." --Douglas Casey,
Classmate of W. J. Clinton at Georgetown U.
(1992)

7. "Giving money and power to government
is like giving whiskey and car keys to teenage
boys." --P.J. O'Rourke, Civil
Libertarian

8. "Government is the great fiction,
through which everybody endeavors to live at the
expense of everybody else." --Frederic
Bastiat, French Economist (1801-1850)

9. "Government's view of the economy
could be summed up in a few short phrases: If it
moves, tax it. If it keeps moving, regulate
it. And if it stops moving, subsidize
it." -- Ronald Reagan (1986)

10. I don't make jokes. I just watch
the government and report the facts." --Will
Rogers

11. If you think health care is expensive
now, wait until you see what it costs when it's
free." --P.J. O'Rourke

12. If you want government to intervene
domestically, you're a liberal. If you want
government to intervene overseas, you're a
conservative. If you want government to intervene
everywhere, you're a moderate. If you don't want
government to intervene anywhere, you're an
extremist."    --Joseph Sobran, one
time Editor of the National Review (1995)

13. In general, the art of government
consists in taking as much money as possible from
one party of the citizens to give to the other.
   --Voltaire (1764)

14. "Just because you do not take an
interest in politics doesn't mean politics won't
take an interest in you." --Pericles
(430 B.C.)

15. "No man's life, liberty, or property
are safe while the legislature is in
session." --Mark Twain (1866)

16. "Talk is cheap-except when Congress
does it." --(Unknown)

17. "The government is like a baby's
alimentary canal, with a happy appetite at one end
and no responsibility at the other." --Ronald
Reagan

18. "The inherent vice of capitalism is
the unequal sharing of the blessings. The
inherent blessing of socialism is the equal sharing
of misery." --Winston Churchill

19. "The only difference between a tax
man and a taxidermist is that the taxidermist
leaves the skin." --Mark Twain

20. "The ultimate result of shielding
men from the effects of folly is to fill the world
with fools." -- Herbert Spencer, English
Philosopher (1820-1903)

21. "There is no distinctly native
American criminal class, save Congress."
--Mark Twain

22. "What this country needs are more
unemployed politicians."    --
Edward Langley, Artist 1928-1995

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------------------

2004-04-21T11:09:00.000-07:00

Here is some very good advice about money, and the attitudes towards it, from someone who knows from personal experience.

John

1"I used to have a shallow enjoyment of money.

Now, I have a deep enjoyment of money."

:)

"Of every hundred questions, the answer to 99
is money" -- Chinese Proverb

It is quite true though that you can't be attached
to doo-dads.

If you waste money on doo-dads and simply have no
self control
regarding money, you will never be a "steward
of money" - in fact you will never be
anything. If you find yourself in this
category you must break yourself of it ASAP...or
you'll never be or have anything. It will take
some years. Apart from anything else, never
trust with money (ie, "never trust")
someone who has no control over doo-dad
spending. They are on their learning path and
you can not give them money or have anything to do
with them in business.

Anyway, however, once you DO ACTUALLY HAVE the
ability to create
income streams, of course you can spend it if you
want to. Obviously you can only do three
things, (A) spend it on, welll anything, or (B)
simply save it up, or (C) invest it in creating
other income streams and businesses. so
those are the three options. However
eventually you will get to the point where you
don't NEED any money to create other businesses or
income streams (you will see it as naive that you
ever thought you needed money to create money), so
that eliminates #3. So again all you
can do is either just store it up, or, buy
whatever takes your fancy.

Many people who create businesses and products
successfully say they find their problem is
GETTING RID OF money, don't know what to do with
it. Many people just give up and buy lots of
real estate with the excess that you don't knwo
what to do with and can't seem to
spend.

You only need say, I think, oh, as little as 40 or
50 grand per annum passive income (ie after taxes
of course, in pocket) to live and eat and have a
fine reasonable life. I really don't see any
reason you NEED much more than that (inflation
adjusted forever of course) based on current
prices of housing, transport, food and doodads in
all
parts of the world.

(The exception is if you insist on living in the
central part of the worlds's expensive cities --
which can cost a fortune in rent, but is
completely poitnless; if your enterprises are set
up properly you shoudl be able to live most
anywhere.)

Once you have say, oh, 200 kpa, you can have
anything, anytime,
except the most expensive silly-money supercars,
and, private planes.

(I have no idea how much income you need to have to
be able to
support a private plane habit -- I imagine you are
talking $10 m a year)

Funnliy enough I have been working on a handy
"scale of wealth" for measuring these
things! :)

the moral of the story is definitely this:
"If you waste money on doo-dads and simply
have no self control regarding money, you will
never be a "steward of money" - in fact
you will never be anything. If you find yourself
in this category you must break yourself of it
ASAP...or you'll never be or have anything.
It will take some years."

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2004-04-15T12:51:00.000-07:00

Hello all,

This is a general announcement to all our lists and other lists we feel would be interested.

We have today revived our SuccessQuest list.

This is a low volume list that features 1-4 articles of interest on business, success, self improvement, and related topics.

This list does not discuss financial matters, which is reserved for our Invest_Rite group.

We will be copying the articles to Invest_Rite for a short time so that any members of that group who wish may also join that group, and we will be posting Invest_Rite messages to the SuccessQuest group as well, but this crossposting will only go on for 1-2 weeks, and then each group will return to its own topics.

We plan to publish very helpful and informative material to this group, so if you want to join now so you won't miss out on anything, you may go to our egroups subscription page at:

http://www.destiny-worldwide.net/boards.htm

Just scroll down to the group and enter your email address to subscribe.

Thank you and I know you will enjoy this!

John
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------------------

2004-04-08T13:16:00.000-07:00

>From GoldMoney Alerts

What Future for the U.S. Dollar?
What You Should Know About the Imminent
Prospects for a Disorderly Decline in the Dollar
by W. Joseph Stroupe

Copyright C 2004 by W. Joseph Stroupe. All rights
reserved.
Reprinted by GoldMoney with permission.

It is a well known fact that political / economic
disarray, whether it arrives in the form of acute
turmoil or in a somewhat lower grade but chronic
pattern of recklessness and imprudence (or perhaps
in a combination of both) can easily create the
kind of uncertainty that leads to a weakening, and
even a destabilization, of a nation's currency.
Fear and uncertainty are the real enemies of a
healthy currency. Once a fundamental weakening in a
currency takes hold, quick but prudent and wise
measures are required to reverse the trend. Failing
that, or even in the event that unwise and
short-sighted political and/or economic measures
are taken which further undermine confidence in
that currency, then at some point one may see
steady decline turn to a rapid and disorderly fall
as confidence begins to fail and those holding
significant reserve amounts in that currency rush
to minimize their losses. This is the nightmare
scenario for any currency.

When that currency happens to be the international
standard currency belonging to the U.S. superpower,
then the risks are magnified many times over. By
almost any measure, a fundamental weakening in the
dollar has already taken hold. Additionally,
short-sighted, imprudent and very unwise political
and economic measures have already been enacted
which threaten to turn the dollar's steady decline
into a disorderly plunge. How so?

Enormous and still-skyrocketing U.S. debt continues
to give the
international community in general, and the Asian
economies in particular, a serious case of
"nerves" about the stability of the U.S.
economy and its currency. The Asian central banks
have been buying enormous amounts of U.S. debt and
thus holding their reserves in dollars. Private
investors have already abandoned the practice of
buying U.S. debt (out of a very real fear of
getting stuck holding severely weakened dollars),
and that has placed the entire burden upon the
central banks. By all appearances, they are stuck
in a cycle of buying dollars, holding reserves in
dollars, to keep their own currencies from rising
against the dollar and hurting their export
position. However, the policy simply cannot
continue much longer because the strains caused by
such enormous imbalances are becoming terrific. At
some point, the Asian central banks will be forced
by an array of considerations and pressures to
alter their monetary policy and begin to cut back
on their purchases of U.S. debt. As the dollar
continues its decline, and this trend pleases the
Bush administration in an election year (due to
very short-term surface-deep benefits to the
economy), the value of the reserves held by the
Asian central banks continues to take a very
substantial hit. Domestic political pressure within
the Asian nations to sell a significant amount of
dollars before their value declines much further
and invest in domestic assets is becoming very
great. The central banks are also becoming very
nervous about the identical fear which caused the
private investors to stop buying U.S. debt - what
if they get stuck with a huge mountain of very weak
dollars?

Against this background, this month both Japan and
India sent credible indications they are seriously
considering such changes in their monetary
policies, according to reports in Bloomberg, The
Business Times and others. They are acting very
carefully, taking small steps, as one can
reasonably understand they must. But acting they
are, demonstrating they at least must begin to
develop some kind of viable exit strategy from the
dollar. An exit strategy might even be further
along, at least in the planning stages, than most
persons might imagine. Political, diplomatic and
even geopolitical considerations, in addition to
economic ones, are also adding their tremendous
pressures to move the Asian and other economies
toward an exit strategy from the dollar. Around the
world there is a growing sense that a course of
increased independence from the U.S. is the wise
course. We see matters moving in that direction,
rather than toward the U.S., on economic and
diplomatic levels. The Iraq situation has helped to
give significant impetus to such trends. And the
actions and policies of the Bush
Administration have tended to erase whatever
loyalty and sympathy might have previously existed
on the part of the Asians and others. Now, these
players will tend to act purely in their own
interests, without consideration for the American
administration or American interests, unless their
interests happen to coincide.

For example, with respect to India, the
administration recently displayed yet again that it
evidently possesses little or no sensitivity to
legitimate Indian interests. On March 23 the U.S.
completely blind-sided its so-called strategic
partner India by granting Pakistan MNNA status,
removing sanctions and paving the way for the sale
of weapons to Pakistan. The Indians were deeply
offended and angered, understandably so. The
surprise announcement, which did not even consider
legitimate Indian interests, came in the thick of
the Indian political campaign and threatened to
humiliate candidates seen to have a pro-U.S.
stance. India is one nation that has been massively
financing U.S. debt by buying dollars. On March 27,
in an editorial by Sultan Shahin in The Asia Times
Online, the almost immediate repercussions of such
insensitive U.S. policy were outlined - and they
are very serious and could be immensely damaging to
the already shaky stability of the U.S. dollar.
India is easing up on the buying of dollars - just
days after the U.S. snubbed India and granted MNNA
status to Pakistan, as noted above. Is there a
connection between the two events? Very possibly.

The Bush Administration has made an undeniable
track record for itself of such insensitivity
around the world. As such, it risks losing the
extremely valuable economic, diplomatic and
geopolitical cooperation of key players which it
desperately needs. It seems almost oblivious to
those
repercussions, however, evidently assuming the
stability of the dollar is never really in doubt.
But as more global players increasingly pursue
their own interests, in a growing independence from
Washington, the resulting repercussions against the
dollar will begin to multiply. There simply isn't
any way to reverse the negative trends and forces
moving against the dollar, short of a profound
philosophical change on economic and diplomatic
levels in Washington - and that seems very
unlikely. Even a new administration this fall would
be saddled with the enormous weight of America's
crushing debt and international isolation and the
unprecedented level of ill-will directed at the
last superpower - so what could it really do to
turn things around for the dollar?

As detailed in numerous insightful editorials at
GoldMoney.com (see The Dollar versus the Euro by
Alex Wallenwein, for example), the U.S. is on the
wrong side of gold. The euro is on the right side
of gold, however. Increasingly, private and state
investors are moving toward real money (like gold)
and currencies firmly anchored to real money. The
U.S. dollar has very little, if anything, to
recommend it in view of the complete picture of
geopolitical and geo economic trends and
developments. So do not be surprised to see the EU,
Russia, India, OPEC and Asia increase and deepen
their mutual cooperation in finding a viable exit
strategy from the dollar, perhaps much sooner than
most people would expect. They will likely find
that there is strength, stability and comfort in
numbers, as the global economic order undergoes
unprecedented tectonic plate shifts, progressively
reordering itself away from a unipolar order and
toward a multipolar one. In the midst of such
massive reordering, it is the stability of real
money and currencies firmly anchored to real money
that will carry the day.

-------------------------------------------

W. Joseph Stroupe is the editor of
www.geostrategymap.com, an online geopolitical
magazine. He can be can be contacted at:
editor_in_chief@geostrategymap.com

---->Gaming solutions, and Ecurrency systems and usages !
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----> http://www.destiny-worldwide.net/costa-rica/ <---------------
--<>-- --<<<+>>>-- --<>--
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----> SuccessQuest http://successquest.blogspot.com/
----> The Real Truth http://destiny-worldwide.blogspot.com/
----> Costa Rica News http://costa-rica-news.blogspot.com/
------------------

2004-04-05T11:51:00.000-07:00

I invite all to come to our website at Destiny Central, to listen to our Success Lessons, which tell you how to become a co creator. As is mentioned in this article, becoming a co creator is the wave of the future. So I suggest you go with the flow and start learning this early.

John
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Wag the World

You are being seduced, people. We are all being actively seduced.

Much like in a play or a movie, you’re being seduced into paying attention to what is on the screen and nothing else. What was going on with the cameramen, director and producers, you never considered. Your curiosity had you by the frontal lobes.

You were seduced.

In the world of entertainment, that’s fine. But what is going on now concerns our very lives.

I am fairly certain that you are familiar with the term “Wag the Dog.” What is going on right now, right in our faces is, “Wag the World.”

Take the upcoming election, for example. The polls (conducted and paid for by who knows?) say that this race is neck-and-neck. Too close to call, a cliffhanger. This is seductive, isn’t it? Who will win? Will it be Skull-and-Bones Bush or Skull-and-Bones Kerry? With all voting machines owned by Republicans, and no paper trail, I guess it is pretty much a toss-up who comes out on top. So why do the drama?

The only reason is to deeply involve the public in a partisan conflict, the outcome of which is no more meaningful than an NFL, NBA, NHL game or NASCAR race. You understand that all those leagues are businesses, dedicated to enlisting your emotional allegiance so you will pay attention—and dollars $—to see how it turns out. Right?

And what difference does that outcome produce? Unless you bet the farm on the game or on the season, not all that much, huh? Sure was exciting though, wasn’t it?

A close game or a close race makes people pay attention—gets us really involved. Get out there and vote, people! Be proud to participate in this great democracy, where “Every Vote Counts!” (As long as you vote for those who WE, the Powers that BE, have appointed as our stooges.) I wonder why the New England Patriots have been in every Super Bowl since September 11, 2001? How do you hide a
conspiracy? Make it so big that no one can imagine it. Does 9/11ring a bell?

What good is having all the POWER if you don’t use it? And if you already have all the money and the natural resources of the planet, what would you be hungry for?

Yes, “They,” the Powers that Be—the international corporations, the insurance companies, the banks—own everything, including the air that you are breathing. So what do “They” want? “They” want the only stuff that you have ever really had, your Time and Attention. All your possessions (including your body), and your various relationships, you have only for a Time, and then only as long as you are paying Attention to them. Your total Time and Attention is what “They” want, and “They” are doing a bang-up job of getting what “They” want, aren’t they?

What is going on here is a plot divide the people to the maximum degree, by small degrees at a time, as in a seduction. You know that if you move too fast in a seduction it will have to be aborted or it becomes a rape. Now rape is usually resisted—throughout history many leaders were caught, taken out and murdered for the rape of the people and the national treasuries. In this case, the treasuries are already secured, so the reach is for the absolute enslavement of your Time and Attention, your emotions and your passion. Really stinkin’ sneaky isn’t it?

Circa 1755, Power Consciousness slowly began to carry out its domination plan. Ever since, stage by stage, more and more issues have been trotted out to shock the public—to cause them to rise in outrage—to confuse and divide the public while unifying power.

Divide and conquer, for total victory. All of this is being done very methodically. Each step is calculated—the public must be able to understand the reasoning behind it. If “They” were to do too radical a departure from the norm, the seduction would be over and the public would revolt too soon, so they have to build this slowly. They have to raise your emotions and passions by degree, either for or against something. When you care enough, when your anger and fear have been evoked strongly enough, when your passions have been whipped into a frenzy, when you are willing to kill for your beliefs, They (Republican and/or Democrat corporate media puppets) will have finished their job and can kick back and enjoy the fruits of ruling a slave population on Planet Earth. What a Party! Can you imagine all the Power!?? They can.

I have an admission to make. For the last fifteen years or so, I have been a news addict. I have watched, read and listened to all of the shit that has rolled downhill, and have acquired some big ass calluses. (Believe me, you need ’em to sit through it all.)

I understand why you wouldn’t want to—but somebody had to do it. And what I have discovered is a definite pattern—designed to slowly turn up the outrage factor. Like a toad in a warm bucket of water, we are sitting here as the heat rises to boiling, and all the toadies get cooked.

Those of you who are reading this—and have read the earlier “Third Night News” articles—have a very special advantage. We know how all of this eventually turns out. Ethics over Power as the Galactic Cycle continues its evolutionary sweep and a smoother ride for those aligned with spirit from the Fourth “Day” (2005) onward.

What this means is that we do not have to become seduced by the drama. Have your ever watched a movie four or five times? What happened to the dramatic effect? It went limp, didn’t it? But you did get to see a lot more of went into the movie as you watched it over and over, didn’t you? Camera angles, lighting, costume details and so on. This is because you knew how it turned out.

So now, with the Mayan calendar cycles, we can see when and how this is all going to turn out, and the big production drama being put on for us has very little effect. In fact, the performance looks sort of clownish, and, frankly, there are some very poor actors in bit parts out there.

The 2004 election is going to make WWWF look like the Amateur Hour. It will end up being actual physical bloody politics towards the end. Along the way, the general public will be leaked progressively inflammatory information (by various whistle blowers) up to and including that George Bush and Cheney did do 9/11, as a last-ditch campaign ploy to get out the votes to beat Bush. It makes sense that if they were really desperate, they would do that, right? That’s very important, because this all has to be done in degrees. It has to feel natural—not too sudden or the seduction is ruined. They are working on it right now, inflaming every cultural, economic, religious and ethnic conflict that they can!

They are busy turning the heat up and the lights off!

All of this is actually being done, by the way, by The Galactic Consciousness Cycle that is really running this show—on a very particular schedule. (The Galactic Cycle is all about discernment, individuation and dissection for full disclosure and ultimate truth.)

The schedule of the Evolution of Consciousness is a repeating cycle that ascends in a spiral path described by the Mayan calendar. What we know about what will probably occur in our near future is from the past, from historical records of what Consciousness has gone through during the same Creative/Destructive energies in previous cycles.

We also know that the best two men for the job of Pres and Vice Pres are the only two Democrats who got totally ignored so far. (If you don’t know who they are, the media blackout worked on you.) So we have Skull-and-Bones Kerry as the corporate-appointed Democrat nominee—and these two “other guys” who are running on the Consciousness/Light and Laughter platform. This platform is to be the dominating Consciousness of 2005, or the Fourth “Day” of the Mayan calendar.

How does someone get picked to be a presidential candidate? Who would the power elite trust with the hundreds of trillions of dollars that they control World Wide? Not just anybody, that’s for sure. And not anyone who stands up for the citizens—they might spend some of that money on the people! Oh God No! Not that! So what is the process?

The following data comes from many sources on the Internet and various “conspiracy” books--fairly impossible to track all the way down to source--but the sheer number of similar reports from wide-spread sources seems to indicate there must be some truth to what I am about to reveal.

We know how cruel people can be to one another in public. What about not just in private, but in secret? Who loves secrets? The Powerful that's who. The deeper and darker the secret, the more powerful the secret.

It starts in school, some law school or Ivy League college—some special, club-type institution.

It starts with an invitation to join a club or secret society—offered because of your lineage, because of your connections and your desire to become powerful. Favors are offered as a reward for joining these clubs and societies. To begin with, the favors involve grades, drugs, alcohol and sex. Membership begins with a ceremony, or initiation, that binds the person to secrecy.

How do you do that for sure?

By photographing the new “Member” involved in sexual acts—photographs that would instantly ruin their lives if they were ever made public.

Now you’re not ever going to tell anything about the workings of the group. Later, when a “Member” is approached by the club for a “favor,” that member had better perform or he or she will not progress up the power ladder. These favors start small and are only slightly illegal—or perhaps “only” immoral—and the person is rewarded with lavish gifts of sex, money, connections and prestige. The next favors are more involved, designed to test the “Member’s” resourcefulness and the strength of his or her desire to gain money, power, and sexual rewards. Rewards for these favors lead to the witnessing of taboo ceremonies involving sex and torture, regular orgies having lost their kick by now for the up-and-coming “Member.” Once a “Member” desires public office or a “ready made” business success, attendance at these rituals becomes mandatory. (All on film of course.) Once in office or at the head of the corporation, the “Member” will be expected to personally perform the ritual
torture and/or killing of the victim(s). After the “Member” has demonstrated his or her willingness to personally torture and murder on command, he or she makes the not-so-short list of potential leaders. This is not to say that all CEOs or politicians or police are involved. Those aforementioned are the ”Members” who have directly received “Favors.” These are people who have advanced themselves at the suffering of others. Lots of “Members” out there or you wouldn’t be hurting like you are.

How would you make sure that someone was willing to kill tens of thousands or millions of people for the sole benefit of your powerful friends? Through duly witnessed and photographed demonstrations of their total lack of regard for human suffering and loss of life. Now, the “Member” has become a suitable nominee for president or prime minister of whatever country they happen to be lurking in. Don’t think so? Can’t happen here?

Where do one hundred and fifty thousand kids disappear to each year in this country alone?

And you thought it was only pretty little white girls advertised on TV that go missing?

Check out what is happening in the Belgium courts right now over pedophile sex ring charges and the number of suicides among government leaders and policemen all across Europe.

Have you heard of the Amber Alert Bill? Do you know how and why and what that bill is? Do you know why it was rushed through, with rider bills attached?

Now there is a system that alerts everyone on the road of any vehicle’s make, color and license plate number in which a stolen kid may be riding. No matter why the police want this car and driver, everyone thinks it’s a kidnapping. Welcome to the US Public Police Force—you have been deputized.

Night clubs in your area shutting down? As a rider to the Amber Alert Bill, any club owner or venue renter is guilty of the possession of all controlled substances found in the possession of patrons at their club or venue. This will stop people from gathering anywhere other than Christian revival meetings, football games, stockcar races or other corporate-endorsed events. No drug checks there, huh?

So, how’s it going to go from how bad it is now to how it should be in 2005?

VERY QUICKLY is tanswer to that question. Very quickly indeed.

During each fourth “Day” the newest consciousness, in this case ETHICS, overcomes the previous consciousness, POWER, and new foundations are laid for the new consciousness to develop along its evolutionary path toward the next evolutionary jump.

The next jump is the consciousness of Conscious Co-Creation.

As you are already seeing in your lives today, there are more and more synchronicities, and random telepathic experiences happening. We are stepping into our roles of being creators right now. And, in fact, creating your own survival during the coming changes will be only way to survive. This is an evolution, after all. Evolution is a fabulously effective tool. Look how far we’ve come from cellular ooze in just 820 million years.

But Evolution has no mercy. This does not have to be tough on a Creator, just on victims.

Got it?

The storm will rise. The storm will rage and the storm will pass, leaving a cleaner environment for renewed growth. We know how it ends, with light and love prevailing.

Ian Xel Lungold
ian@mayanmajix.com
9 Jaguar (IX)
March 12, 2004

Ian Xel Lungold at the Mayan Calendar stone in Coba, Mexico

http://www.mayanmajix.com to learn more about the Mayan Calendar, Articles, Videos, Interviews, Learning Lab, Photo Gallery of Ancient Mayan Sacred Sites, Market , Links, and more.

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------------------

2004-03-26T09:32:00.000-08:00

Is your financial data really safe?

The threat is remote but real. With a world of
hackers, hijackers and spoofers out there waiting
to steal your stuff, a little caution is in order
-- online and off.

By Liz Pulliam Weston

When you're paying bills, making investments,
viewing your bank
balance, checking your credit card statements,
preparing your taxes and buying stuff online, are
you taking a big risk?

The answer, unfortunately, is that no one really
knows.

The reality is that you're vulnerable to identity
theft even if you don't own a computer. Some of the
biggest hacking and identity theft cases have
targeted business or government databases over
which individuals have little control:

* Thieves posing as Ford Motor Credit Co. personnel
accessed a
credit bureau database and stole credit reports of
more than 30,000 consumers. The U.S. Attorney's
Office in New York said its investigation uncovered
more than $2.7 million in financial losses.

* A hacker broke into the California state
controller's computer
system and gained access to the names and Social
Security numbers of 265,000 state employees --
including the governor and all 120 state
legislators.

* A clerk of New York state's Insurance Fund was
arrested for
using personal financial information from
applications and other paper documents to set up
credit accounts and purchase more than $100,000
worth of goods, including $70,000 in computers.

* In February, a hacker accessed 8 million credit
card numbers by
breaking into the database of a company that
processes transactions for Visa, MasterCard,
American Express and Discover. The credit card
companies said there was no evidence the numbers
had been used for fraudulent purchases.

Certain online transactions may increase the
chances that you'll be a victim. As several recent
incidents have shown, letting a Web site store your
credit card number could put you at risk. Hackers
have stolen credit card numbers from online
databases, including one at Amazon.com subsidiary
Bibliofind.com. Incredibly, many companies still
don't encrypt these databases, said attorney and
computer fraud expert Nick Akerman, making them
relatively easy targets for thieves.

Theoretically, just establishing a user ID and a
password for a
financial account could make you more vulnerable,
because a hacker could conceivably break into your
computer, plant a keystroke-tracking program,
retrieve the data and use it to access your
account. But most hackers wouldn't bother with all
that work for one account, security experts said.

The reality is that it's pretty tough to quantify
your risk of losing valuable personal information
to a computer hacker, and even less possible to
determine how vulnerable you are to a financial
loss because of that crime. Why?

* Most companies keep hacking incidents under
wraps. Only 30% of
companies surveyed by the FBI and the Computer
Security Institute said they reported such
incursions to law enforcement. (Although that could
soon change, thanks to a new California law; more
below.) Some companies have such lax security,
Akerman said, that they don't even know when
they've been hacked or what information, if any,
has been stolen.

* Identity-theft complaints are rising, but the
source of the
theft is usually unknown. Of the 161,000
identity-theft complaints reported to the Federal
Trade Commission last year, 80% of the victims had
no idea how their information was stolen. Most of
the rest "could only guess" at how they were
compromised, said FTC spokeswoman Claudia Bourne
Farrell.

* Offline threats still seem to outnumber online
threats.

Sixty-eight percent of the law enforcement
officials interviewed by the California Public
Interest Research Group identified theft of snail
mail as the leading threat. Thieves use purloined
account statements, convenience checks,
pre-approved credit card offers and even bills to
take over existing accounts or establish new ones.
Other offline threats include dumpster diving,
stolen wallets and unscrupulous employees of banks
and other lenders.

Just handing your credit or debit card to a waiter
at a restaurant, says security expert Pradeep K.
Khosla, is a transaction fraught with danger.

The waiter could run multiple transactions, or
glean enough
information from the card's magnetic strip --
thanks to a pocket-sized device called a skimmer --
to create a duplicate card.

"Somehow we don't worry about that risk," said
Khosla, director of Carnegie Mellon University's
Center for Computer and Communications Security.
"We're kind of used to it."

Spoofing is no joke

Khosla, who also heads the university's electrical
and computer
engineering department, knows well the dangers that
may lurk online. He's particularly spooked by
"spoofing" -- a hacking technique that redirects
customers of a financial or shopping Web site to a
look-alike, so thieves can glean IDs and passwords
or credit card numbers. If well done, there's
little to tip off an unsuspecting user.

The real Web sites usually detect and swiftly shut
down these
incursions, "but in the 30 seconds or two minutes
that can take," Khosla said, "something bad can
happen."

Yet the dangers don't keep Khosla from banking,
shopping, investing and paying bills on the
Internet. The risks he perceives don't outweigh the
convenience.

"I do everything (online)," he said.

So do I -- and have for years. I pay bills,
rebalance my investment portfolio and shop for
clothes and books. Every day, I download our bank,
investment and credit card transactions into my
personal finance software -- an exercise that
simultaneously helps me stay in control of my
finances and allows me to spot any problems
immediately. So far, so good: the only unauthorized
transactions have turned out to be of the "oh,
sweetheart, I forgot to tell you" variety.

Don't ignore the risks

There's nothing like a long history of good
experiences to make you comfortable transacting
business on the Web. But understanding where the
biggest risks lie might help you decide how much of
your financial life you want to conduct online.

Computer security experts say the databases at
either end of the
Internet transaction -- the one at the financial
institution and the one in your computer -- are
usually the most vulnerable. The information that
flies between these databases is typically
encrypted (you can tell by the little yellow
padlock in the lower right hand side of your
browser) and difficult to hack.

One expert likens an Internet financial transaction
to driving an
armored car between two cardboard boxes -- the car
could be targeted, but it 's far more likely
hackers will go after the more vulnerable boxes.

Where are you stored?

That's why many security experts who use credit
cards to buy stuff on the Web are nervous about
storing their credit card numbers on the same site.
It's also why you may be fine e-filing your taxes,
but reluctant to actually prepare them online if
they're stored at a Web site.

Of course, you can't always tell when a Web site is
hanging on to the information you give it. Many
reputable sites offer to "remember" your card
number for you, but others may simple snatch and
keep the information without consulting you, said
online financial services analyst Chris Musto, of
research firm Gomez Advisors. That's why it's
important to deal with reputable sites and to
review privacy policies.

We may soon get a better idea of the risks we're
actually taking,
thanks to a California law that takes effect July
1. The law requires companies to alert their
California customers if hackers or employees steal
information that could be used for identity theft.

(The bill was undoubtedly helped by the fact that
the lawmakers had just gotten a dose of what it
feels like to have their information stolen, thanks
to the hacking incident noted above. "It made the
issue real and immediate for the 120 lawmakers who
were obliged to vote on the issue," is the way
sponsoring Assemblyman Joe Simitian, D-Palo Alto,
put it.)

Law could force action

Because companies are required to comply regardless
of where they're headquartered, computer security
experts believe the California law will lead to a
nationwide increase in firms reporting hacking
incidents. They also hope it will inspire companies
to take additional security measures to avoid the
hassle and publicity of such disclosures.

"It's forcing companies to take the medicine that
they should have been taking a long time ago," said
Akerman.

Consumers should be taking that medicine as well.
Firewalls,
anti-virus software and the simple act of changing
passwords once in a while can help reduce your
vulnerability. Also:

* Hunt for spyware. This nasty software tracks
where you go and
what you do and reports it back -- sometimes to
companies that sell the information to marketers,
sometimes to crooks. Wall Street Journal columnist
Jeremy Wagstaff recommends Ad-aware from Lavasoft
or Spybot Search and Destroy. (See links at left
under Related Sites.)

* Be careful with wi-fi. Wireless Internet is hot,
it's cool --
and it's about as secure as a cell phone
conversation. If you're worried about security,
don't conduct your financial transactions online
while at your corner Starbucks.

¿2004 Microsoft Corporation. All rights reserved.

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------------------

2004-03-26T09:27:00.000-08:00

Too late to double check

Area man warns others to be on guard after check
paid out twice
Check bank statements promptly, police advise

By STEVE LOUDEN - GM Today Staff
March 24, 2004

OCONOMOWOC - Writing a check was
something Robert Spoerl never
thought twice about.
But now that one of his checks has been
paid out twice, he is. "There's a lot
of people that never check their bank
statements," said Spoerl, who lives in the town of
Ixonia. "All of sudden they're way out of whack
with their (checkbook). Then they'll reconcile with
what the bank said because if the bank said it, it
must be true. But the bank's records on it aren't
the Bible, are they?"
On Nov. 23, Spoerl filled up his sport
utility vehicle with
gasoline at Citgo Mart, 744 E. Wisconsin Ave. His
wife, Jeanie, went inside the station to pay.
Spoerl said his wife wrote the check
and the owner, Gurdip S.
Dhillon, scanned the check using a Global Telecom
Inc. device. After scanning the check, Spoerl said
Dhillon put the check into the cash register.
Dhillon said he only puts a check into
the cash register when it
cannot be read by the scanner. If the check scans
properly, Dhillon said he stamps it with the words
"ACH Processed" and returns the check to the person
who writes it.
Dhillon said Spoerl's check failed to
scan properly and that is
why he placed it in the register. He said he did
not deposit the check twice and an official at his
bank, Bank One, confirmed that.
They claimed the error took place with
Spoerl's bank - not
Dhillon's.
"It's a bank error, (something that)
would happen on your bank's
part," Judy Guenther, of Bank One in Oconomowoc,
told Spoerl on Monday.
Where did payment go?
After writing the check, the Spoerls
were on vacation for nearly
two months and unaware of any problem. It was not
until they returned that Spoerl noticed the double
billing.
Spoerl said he was told by two people
at his bank, Associated
Bank, he must report any discrepancies in his bank
statement within 60 days of receiving it - but that
time frame had expired before he returned and had a
chance to look at the statement.
So, he went higher up the ladder at the
bank and was later told
his money would be returned.
"But that isn't the point," Spoerl
said. "The point is that this
can happen, and I don't know if the general public
knows about it. I sure as heck didn't know about
it."
An Associated Bank official declined to
talk about the issue,
stating he was protecting the privacy of Spoerl's
account.
Still not knowing who received the
second payment, Spoerl
contacted the Oconomowoc Police Department last
week.
Lt. Jeff Schmidt said Spoerl's
complaint is an isolated issue
and the department has not received other
complaints from Citgo Mart customers.
At this point, Schmidt said he doubts
any intentional fraud on
Dhillon's part.
"On its face, it doesn't appear to be a
criminal violation,"
Schmidt said.
Schmidt said bank security officers the
police department works
with are very concerned about issues such as
Spoerl's.
"People do need to be reviewing their
accounts and checking with
their banks when they suspect any suspicious
activity," he said. "The first place people need to
go ... (is) their bank. It's not something they
should wait two weeks and then go do it."

Waiting for answers

Spoerl, president of a town of Ixonia
trucking company, admitted
that he was not worried about losing the $24.45.
It's the fact that any check could be cashed twice
that has him concerned.
"What if this was not a $24.45 check?"
he asked. "What if it was
a $200 check? Could they have done this twice?"
Spoerl said he is concerned the double
billing was not caught at
his bank.
"I really think the problem is in the
bank and the banking
system," he added. "The bank shouldn't let that
opportunity happen, is the way I feel."
By Monday afternoon, Spoerl said he was
left playing the waiting
game.
"If the police department tells me that
there's fraud involved,
or theft of any sort, and asks me, 'Will I pursue
it?' Definitely, if the situation warrants it," he
said.
According to Schmidt, it is unlikely
that will happen. He said
department policy would be to only pursue the case
if it is contacted by Associated Bank.

Steve Louden can be reached at
slouden@conleynet.com.
This story appeared in the Waukesha Freeman on
March 24, 2004.

CHECK TIPS

While technological advances have helped financial
institutions better protect your account
information, technology has also helped criminals
in their attempts to get your money. Here are some
tips to help keep what is yours.

* Reconcile your bank statement within 30 days of
receipt
to detect any irregularities.

* Unless needed for tax purpose, destroy old
canceled
checks, account statements, deposit tickets and ATM
receipts.

* Limit the amount of personal information on your
check.
For example, do not include your Social Security,
driver's license or telephone numbers on your
check. A criminal can use this information to
literally steal your identity by applying for a
credit card or loan in your name, or even open a
new checking account.

* Don't leave blank spaces on the payee and amount
lines.

* Use dark ink that can't be easily erased or
covered
over.

* Don't write your credit card number on the check.

* Don't make a check payable to cash. If lost or
stolen,
the check can be cashed by anyone.

* Store your checks, deposit slips, bank statements
and
canceled checks in a secure and locked location.
Never leave your checkbook in your vehicle or in
the open.

Source: National Check Fraud Center

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----- New Investment Opportunities ------
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2004-03-23T18:59:00.000-08:00

Secrets Of The Richest People

Would you like to realize your goals? Maybe you'd like to run your own business, expand your material possessions, or succeed in the arts. There is no one path to the pot of gold, but many people of all backgrounds have successfully found it.

Whether you want to follow the ways of the great financiers, the famous politicians, or the dynamic movie stars, there are common modes of behavior each of them followed. And in many cases, they have shared their secrets so YOU CAN FOLLOW THEIR FOOTSTEPS.

"If you wish to know the road up the mountain, ask the person who goes back and forth on it," said the ancient sage, Zenrin. What better way is there to know the secrets than to ask those who made it?

What goals do you want to achieve? And what amount of effort can you commit? You may want money for the extra things in life, money to build a corporate empire, or money to support yourself while you pursue the fine arts.

Perhaps you'd like to take the risk to start something new in your life. You may want to open your own business, devote your energies to an artistic career such as acting, or reap the benefits of your yearly endeavors with fabulous vacations several times a year.

What will bring you happiness? The satisfaction of success takes many forms. Not only are people seeking financial fortunes, but also the ancient goal of peace of mind.

Do you worry? You might be concerned about your health or your family's well-being. You may be anxious about the added expenses of education, medical bills, or the steady increase of cost of living. There are ways out of the endless cycles of worry, stress and anxiety. Right now, you can rise above the whirl of survival to achieve the accomplishments you dream of. When you're ready to put your whole effort into realizing your goals, YOU WILL SUCCEED.

What Are Riches

"Had I but plenty of money, money enough to spare," wrote Robert Browning. And money is the greatest attribute of riches. A universal desire, money is the materialization of riches, the stuff that makes the rest possible.

Are you looking for financial security? For retirement, for education or leisure? Riches are the overflowing abundance of material possessions - houses, cars, boats, furnishings - everything you ever wanted.

Centuries ago, Horace wrote, "By right means, if you can, but by any means, make money." For many people it is a path towards happiness, a cure-all for worry and peace of mind.

For others, riches come in the form of satisfaction and personal independence. Satisfaction comes from accomplishment in employment or attaining goals. It is that feeling of contentment and confidence from a good task well done. Riches are closely linked with success. And with that comes fame and acknowledgment of position. Success might be the feeling of well-being from the rewards of good effort. Or the enthusiasm and vitality triggered by recognition.

"Success is how well I enjoy the minutes," said producer Norman Lear.

Throughout history, the people who lived with riches often achieved them by hard work, diligence and a belief in themselves. For some people, it took courage, genius and stamina.

But for many others, it took nothing special but the desire to turn dreams into reality. Whether you want millions of dollars, recognition as an artist, or personal freedom, you have the ability to make your life as rich as you want.

Think about what you most desire. It may not be hard cash, but what it can buy. Or it may be those feelings of inner satisfaction, from creating something beautiful or strong.

You may want personal independence from the work week, or freedom to live anywhere you want. You may be looking for something meaningful and significant in life - something other than things money can buy. Whatever your goals, and however difficult they seem to be to accomplish, you have the ability to become who you want. Take a look - can you see yourself surrounded by riches?

Picture the world open and in front of you, ready to become the form of your dreams, ready to stage your desires. "Why then, the world's mine oyster," wrote Shakespeare, "which I with sword will open."

Who Is Successful?

Many people who achieve fortune in the world are not born rich. But they accomplish their dee hard to implement as it will bring in lots of ordersires through hard work and a plan of action.

Every type of person on earth can become successful. There are saints and scoundrels; philanthropists and thieves; poets and politicians; young and old. There are no limitations or physical boundaries for success.

Success comes to those who think about success and strive for it. Although many rich financiers at the turn of the century had no formal education, they overcame that and went on to great fame.

Some people strive towards a single goal from early in life, and often attain that goal while still young. Others are willing to risk new adventures later and still attain success.

"It's never too late to learn," wrote Malcolm Forbes, the money magnate. "I learned to ride a motorcycle at 50 and fly balloons at 52."

Whatever your task, whatever your obstacles, you can be as successful as anyone else. Study the people who accomplished recognition in the areas of your pursuit. How did they achieve their goals?

And don't be afraid you don't have what it takes. As Daniel Webster wrote, "There is always room at the top."

Forming Conviction

The single attribute that every successful person has is the one-pointed devotion to attain a goal. "There in the sunshine are my highest aspirations," wrote Louisa May Alcott, "I can look up and see their beauty, believe in them, and try to follow where they lead."

What are your desires? How can you form them into definite goals that you can attain? Lawrence Peter wrote, "If you don't know where you're going, you'll probably end up somewhere else."

Maybe you're studying a craft or skill. Perhaps you're caught in a rung of the corporate ladder. Or, you might feel constricted by your family and the environment around you.

Which star are you reaching for? "Ours is a world where people don't know what they want and are willing to go through anything to get it," wrote Don Marquis.

Take the time to think about your own aspirations. Look inside to find what feels right. Almost everyone entertains the notions of fame and fortune, but put on the costume that fits you.

Conviction requires certain qualities of action. You must be sincere and be willing to assume responsibility. And you need the self-discipline necessary to work towards your goals.

Are you prepared to achieve your dreams? Can you form their reality in your mind? Will you devote your entire being to attaining what you want?

On Your Own

Most millionaires are non-conformists. So are the most famous actors and actresses; and the most prominent artists. Writers are known for their individual traits and eccentricities.

Your convictions and goals are your own business, even when you find help along the path. Mentors often take people under their wings to nourish and teach. Or spiritual guides will show you the path to attainment. But you're on your own to achieve.

Cultivate a sense of justice and an ability to make decisions. Cooperate with everybody and develop your own self-respect. And follow good criticism and advice after you've judged carefully. J. Paul Getty said, "I advise young millionaires to be skeptical of advice. They should advise themselves; they should form their own opinions."

Lord Byron wrote, "There is rapture on the lonely shore." And if you attain your goals with poise and sincerity, you'll find warmth and love at the top - not the cold loneliness pictured by the jealous.

Put on blinders to negative comments and criticism meant to hurt you. About the people who criticize, Voltaire wrote, "Never having been able to succeed in the world, they took revenge by speaking ill of it."

Seize The Day

People are judged by what they think and what they say. But the true measure of their character is what they do. Anyone who has achieved success and fortune in the world has done it by action.

William Jennings Bryan wrote, "Destiny is not a matter of chance, it is a matter of choice; it is not a thing to be waited for, it is a thing to be achieved."

The choice of the path you follow is often put before you as opportunity. "Few people recognize opportunity," said Cary Grant, "because it comes disguised as hard work."

Don't let opportunities slip past while you're still considering them, and create new ones as you see them. "Wise people make more opportunities than they find," said Francis Bacon.

What opportunities can you act upon? Woolworth saw a need for small inexpensive items and opened the chain of stores that grossed billions. Wrigley started giving gum away as a bonus from a supplies wagon he sold from, and saw the opportunity to make money from the gum that became in high demand.

All successful people the world over have found the opportunities for their own special talents and acted upon those ways to achieve. Why wait for the time to pass? There's never a better time than now.

"Sometimes," wrote Lewis Carroll believed as many as six impossible things before breakfast." Take your own impossible dreams and make them become reality.

How They Think

Thousands of potential millionaires are born every year. And making a million dollars is coming closer to everyone's pocket. What advice did the money-makers follow?

Aristotle Onassis worked eighteen hours a day to maintain his fortune. He started as a welder and aimed for the top. "You have to think money day and night," he said, "you should even dream about it in your sleep."

John D. Rockefeller, Jr., said, "I believe in the dignity of labor, whether with head or hand; that the world owes every person an opportunity to make a living."

And J. Paul Getty acknowledged his hard work: "I have no complex about wealth. I have worked hard for my money, producing things people need."

Even Proverbs advises: "In all labor there is profit."

Richard Bach, the author of the best selling "Jonathan Livingston Seagull" wrote, "You are never given a wish without also being given the power to make it true. You may have to work for it, however."

The Empress of the British Empire, Queen Victoria, admonished, "We are not interested in the possibilities of defeat."

Do You Have What It Takes?

There are qualities of endeavor and achievement that are common to many people who make it to the top. The following questions are a guideline to self-enterprise and attaining your goals.

Do you prefer to work for yourself than for others?

Are you well-informed on current business and political affairs?

Are you a leader?

Do you take advantage of opportunities?

Do you pay attention to what other people say?

Can you finish a job even when it is difficult or unpleasant?

Are you challenged by problems?

Do you have a goal you want to achieve?

Do you consider other people?

Do you strive to attain?

Can you obey commands?

Can you bounce back after defeat?

Do you believe in yourself?

Can you stand by your actions in spite of criticism?

Can you follow instructions?

Can you respond to the needs of others?

Will you give credit to other

Can you make your own decisions?

Are you determined?

Are you ready for success?

Establish A Goal

What do you want? Are you looking for financial security, professional acknowledgment, spiritual attainment? Do you want to fit better socially, or become more expressive creatively? Establish the goal that's right for you.

Then turn that goal from a dream into a desire. You want to realize that goal, not just wish for it. Aesop said, "Beware that you do not lose the substance by grabbing at the shadow." Know exactly what you want, then go for it.

Don't be tricked by your own procrastination - especially if you want to achieve something artistic. The writer Thomas Wolfe wrote, "I had been sustained by that delightful illusion of success which we all have when we dream about the books we are going to write instead of actually doing them. Now I was face to face with it, and suddenly I realized that I had committed my life and my integrity so irrevocably to this struggle that I must conquer now or be destroyed."

Can you see what you want? If you want the abundance of material wealth that money provides, what goal will give you that money? Do you want the prestige of owning your own business? What business do you want to begin?

Where are the opportunities for you? Talk to everyone in the business you want to join. Make friends in the literary or art societies in your area. Read books and articles about your field of endeavor. How can you attain your goal?

"If you don't want to work, you have to work to earn enough money so that you don't have to work," wrote Ogden Nash. And isn't that the way" Money makes money; success breeds success. But not always. How can you break through those thoughts to help yourself to the rewards?

Henry David Thoreau wrote, "I have learned this at least by my experiment: that if you advance confidently in the direction of your dreams, and endeavor to live the life which you imagine, you will meet with success."

Think big and visualize success. Do you see yourself in a big house? Maybe you picture your artwork hanging in a gallery. Can you feel your book in print and in your hands? How does it feel to be a person of success? Believe that you are; believe that it is in your grasp. That's what the others did, and that's how people make it to the top.

Then get down to basics. Be precise. Exactly how much money do you want, and by what date? And exactly what are you going to do to earn that money? Be realistic, but give yourself short-term goals.

Write it down. In six months or one year, you will have how much money. And repeat it until it feels good. Then repeat it twice a day until it swirls in your subconscious, until it becomes your one-pointed goal.

"The goal stands up, the keeper stands up to keep the goal," wrote A.E. Housman.

Keys To Success

Make people feel at ease. They will respond to your needs as you respond to theirs.

Share the spotlight. Give credit to those who deserve it - and to those who strive. Don't grab praise away from other people.

Have confidence in your own value. Don't do anything that won't credit your own self-respect. Follow up your actions as they reflect your own self-worth.

Listen well to others' comments. Then weigh your own actions. Cultivate relationships with people who have good and important things to say.

Participate in life. Be active in business meetings and endeavors; volunteer to be part of organizations and groups. Social interaction will boost your sense of well-being .

Feel worthy of your own goal. Know that you can attain it and that it is right for you.

Grasp your own challenge. Don't give yourself impossible goals, but always reach higher.

Relax and be yourself. Each person is different and just as wonderful as the next. Don't be plagued by what you think others think of you.

Don't bathe in success - use it. Once you achieve your first goal, go on to others. Use the money you earn for the rewards you look for. Then go on to the next endeavor.

Be slow to criticize others' achievements. Find out how they did it and learn from them.

Never use subterfuge. Don't go behind someone's back. Speak your mind and earn respect.

Banish negative thoughts and traits. Restructure your life to exclude bad habits.

Believe in yourself and what you are to accomplish. All the power in the world is within you to achieve.

Work Towards Your Goal

"To get profit without risk, experience without danger, and reward without work, is as impossible as it is to live without being born," wrote A.P. Gouthey. Every person who has attained something worthwhile has worked for that goal.

Cary Grant said, "I do believe that people can do practically anything they set out to do if they apply themselves diligently and learn."

Which path is the right way towards your goal? Do you need more education? Do you need a few years experience in your field of business? Maybe you need a teacher or guide to help you practice.

"I have learned that success is to be measured not so much by the position that one has reached, as by the obstacles which are overcome while trying to succeed," wrote Booker T. Washington.

What obstacles are in your way? Consider them as easy to pass through as hurdles are to a champion runner. Take each obstacle as a special challenge placed especially for you. Approach it with intelligence and courage, then learn what it has to teach.

"Success is a journey," said Ben Sweetland, "not a destination." For some, the process of attainment is the attainment itself. They move on, keep growing and expanding. There is no still water at the top.

"The message from the moon is that no problem need any longer be considered insoluble," wrote Norman Cousins. And you can attain anything that seems impossible.

If you have a problem that needs to be solved, sit calmly and consider it with a clear mind. Observe all the consequences of the actions - both good and bad. Ponder the paths and actions and contemplate the core of the problem. The solution will appear.

"Ask and it shall be given you; seek and ye shall find; knock and it shall be opened to you for everyone who asketh, receiveth. He that seeketh, findeth and to him that knocketh, it shall be opened."

Tap the inner self and encourage positive actions. With each outgoing breath, release the impossible; at each incoming breath, inhale the attainable. Demand the best of yourself, but don't despair from an overused sense of perfection.

What can you learn? And who can teach you? Can you attend classes and seminars from universities near home? Check out books from the libraries and absorb the material. Find a master and become an apprentice.

"Anyone who stops learning is old, whether at twenty or eighty," said Henry Ford. "Anyone who keeps learning stays young. The greatest thing in life is to keep your mind young."

Never stop learning; never stop growing and expanding as a person and in your personal endeavor.

Ask Yourself

As you consider the success you desire, you need to affirm its possibilities and develop the self-confidence necessary to attain the goals. Learn to do things well. "If you know how to do one thing well, you can do everything," wrote the philosopher Gurdjieff.

Are you ready for success?

Is what you are doing now helping you to achieve your goals?

Do you weigh the consequences before making a decision?

Is this the best use of your time?

Do you cooperate with everyone and help cultivate their best potentials?

Are you warm and sincere?

Do you have the courage to succeed?

Do you have the self-discipline necessary to achieve your goals?

Do you have a realistic sense of self-worth?

Do you give more than you take?

Do you have the courage to fail, and then pick up and try again?

Can you assume responsibility without blaming others if things go wrong?

Are you strong?

Can you be sympathetic to life and its sufferings?

Can you say no?

Will you follow your convictions and plans to achieve?

Do you sincerely want to achieve the goals you have chosen?

Taking Responsibility

"The price of greatness is responsibility," wrote Winston Churchill. Are you willing to take the responsibility once you attain the success you desire?

"The deepest personal defeat suffered by human beings is constituted by the difference between what one was capable of becoming and what one has in fact become," wrote Ashley Montague. And the greatest tragedy is to become less than your full potential, using less than the abilities you have to work with.

Are you waiting for something to happen? Maybe you're waiting for a job offer, or a promotion. Perhaps you're waiting until you get good enough at a craft or skill. Or are you waiting for the inspiration of creativity to strike your life?

It is up to you to take the actions and be responsible for their consequences. "Our responsibility: every opportunity, an obligation; every possession, a duty," wrote John D. Rockefeller, Jr.

Inspire yourself. Read books that will spurn you to action; talk to people who have the vitality you admire. How would you like to lead your life? And make the changes necessary to be like that. "There is nothing permanent except change," wrote Heraclitus. What changes do you want to make? What are you waiting for?

Accomplishment

What actions will take you closer to your goals? Decide upon the steps and write them down. Review them until you feel comfortable with those steps. Then repeat them at least once a day, crossing them off as you accomplish them.

"I believe there is no escape from the rule that We must do many, many little things to accomplish even just one big thing," said James Dupont. "This gives me patience when I need it most."

The most rewarding accomplishments are those that take long to achieve and present difficulties. It is only through these difficulties that a person can rise above the rest to be the unusual, the outspoken and the well-deserved.

As if building a kit, follow your own instructions. Decide your best courses of action and achieve their benefits. Whether the steps are small or large, make them achievable and then do them. Don't commit yourself to things that you never intend to do.

"Even if you're on the right track, you'll get run over if you just sit there," said Will Rogers. Don't be paralyzed by inaction; rather act upon your own convictions.

Set yourself up for rewards. Don't give yourself goals that have no feeling of satisfaction or no monetary rewards. If you want to be an artist, be the best and learn from the best. Don't dwell on imperfections or the awkwardness of unpolished skills.

If you go into business, do it for profit or reinvestment. "In business, the earning of profit is something more than an incident of success. It is an essential condition of success. Because the continued absence of profit itself spells failure," said Justice Brandeis.

Marchant wrote, "To be a success in business, be daring, be first, be different." Think of ways to achieve the best; formulas to increase productivity or decrease overhead. Profit is your drive.

"Profitability is the sovereign criterion of the enterprise," wrote Peter Drucker. And, profitability is the core of any achievement - whether financial or artistic.

Once you achieve your goals, think of ways to benefit others. "Money-getters are the benefactors of our race," said P.T. Barnum. "To them we are indebted for our institutions of learning, and of art, our academies, colleges and churches." How can you benefit humankind and still keep enough to fulfill your own desires?

The Hidden Asset

Not all success can be counted in dollars; not all richness is measured by money. "The great secret of success is to go through life as a person who never gets used up," said Albert Schweitzer. "Retire upon yourself and look for the ultimate cause of things inside you."

Look within yourself for the ultimate inspiration, and follow the true feelings you discover. "One of my favorite methods is to whisper," said Alfred Hitchcock. "I've discovered the best work is done with sweet reason."

Act upon your own conscience -that guides; that judges your actions and signals your behavior. "Conscience is the inner voice that warns us that someone may be looking," wrote H.L. Mencken.

Accomplish what you desire; fulfill your inner yearnings. But don't compromise your deepest feelings.

"We do our best that we know how at the moment, and if it doesn't turn out, we modify it," said F.D. Roosevelt.

Follow the paths that life offers you and live the fullest existence you can.

Take A Look

Look at yourself and look at those who have succeeded throughout history. Do you have what it takes? Even if you have only a few of the qualities of the other great people, you can achieve your heart's desire.

Reach for the highest, then reach higher. Accomplish your steps one by one on a daily basis, always moving forward, always making progress. Encourage yourself. Insist that you can succeed and affirm these thoughts daily.

Keep a sense of proportion and judge for yourself. Then keep busy at the tasks you've set out to accomplish. What's keeping you? "Genius is one percent inspiration and ninety-nine percent perspiration," said Albert Einstein.

Find inspiration wherever you can. Talk to people; read about people; learn your business or craft. Believe that you can do it and you will. The only way to dispel the doubt that you can do something is to finish it.

Always be the best you can be. Never fall short from fatigue or lethargy. Don't attempt to do anything that you can't give your all to.

There is no way to inner satisfaction without appealing to the higher consciousness. Search within and without to find the paths that are meant for you and follow them with conviction and a steady heart. And, you will succeed to become as rich and full as you ever desired.

Harold Ickes wanted the "freedom to live one's life with the window of the soul open to new thoughts, new ideas and new aspirations."

And Woody Allen looked for a clear path. "If only God would give me some clear sign" he said. "Like making a large deposit in my name at a Swiss bank."

Finally, Sophie Tucker sums up everyone's worldly outlook: "I've been rich and I've been poor," she said. "Rich is better."

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2004-03-18T18:05:00.000-08:00

> Subject: [PT] Canada: Have Laptop, Will Travel: Effective
> Immigration Strategies For The Global Economic Elite
>
>
> David S. Lesperance, Barrister and Solicitor
>
> Canada: Have Laptop, Will Travel: Effective Immigration
> Strategies For The Global Economic Elite
>
> 15 March 2004
>
> Article by David S. Lesperance
>
> "The world's my home: When I'm mobile": 'Going Mobile' by The
> Who, 1971
>
> A glance around the business class lounge at any airport
> lounge will bring you face to face with numerous varieties of
> that modern day creature, "The Mobile Worker". Logging in the
> available workstations, checking email on their BlackBerries,
> or using cell phones to speak with their assistant at the
> home office, these travelers are the modern incarnation of
> the "Global Economic Elite" ("GEE").
>
> WHO ARE THE GLOBAL ECONOMIC ELITE?
>
> There are two general archetypes of GEEs. The first are
> individuals who bring their universally transferable skills
> to various locations around the world. This group includes
> pilots, doctors, nurses, financial analysts, management
> consultants, engineering and computer consultants, artisans,
> musicians and actors, and skilled-trades people.
>
> The second group is individuals who are able to operate from
> any location, which has sufficient technological
> infrastructure. They include money managers, remote business
> operators, and mail order or on-line service providers. This
> group also includes internationally orientated lawyers such
> as the author. A significant number of GEEs are a hybrid of
> the two archetypes and find their need to travel varies
> according to their personal or professional career life
> cycle. However it is the rare GEE who never engages in at
> least some type of business travel.
>
> In order to be competitive in the modern global economy,
> every country must have a critical mass of GEEs operating
> within their borders. This truism was explained by Professor
> Ian Angell of the London School of Economics in his landmark
> book, "The New Barbarian Manifesto" (Kogan Page 2000).
>
> "The income of these owners of intellectual and financial
> wealth will increase substantially. They will be made welcome
> anywhere in the world, no matter what their age, race, sex,
> colour or creed. In an attempt at 'right-sizing', companies
> and countries will be scouring the globe, competing with each
> other to attract this top quality 'people product', dragging
> them off the planes if necessary. Knowledge workers now have
> a choice. They can stay with the nations of their birth,
> providing of course that the price is right, or they can join
> the new barbarian hordes of 'economic mercenaries' somewhere
> else, thereby ransacking the old order." (p. 55-56)
>
> Unfortunately while I agree with the theoretical soundness of
> Prof. Angell's statement, I find that the 'on the ground'
> reality is often quite different. GEEs don't deal with
> Finance and Immigration Ministers at the arrival counter of
> airports. Rather they deal with front-line bureaucrats who
> may be ignorant of the economic benefit that GEEs bring; feel
> that they are the protectors of the domestic work force or
> simply jealous of the obvious prosperity of the GEEs in front
> of them. As a result GEEs themselves or the organizations
> which are seeking their presence must plan ahead to ensure
> their smooth and timely access to all of the jurisdictions in
> which they hope to reside or operate.
>
> THE PROPER CARE AND FEEDING OF THE HIGHLY MOBILE ELITE
>
> If you are a GEE or are the Human Resource Manager
> responsible for attracting or retaining external and/ or
> internal mobile workers, then you need to have a proper
> immigration strategy in place long before the plane touches
> down on the tarmac. As in most effective problem solving
> exercises there are four basic steps that should be followed.
> In short they are:
>
> Step 1 Investigate and Evaluate: Review the individual
> professional and personal necessities/preferences of each
> particular GEE. This step would include determining the following:
>
> * Existing citizenship(s) and residence status(es)
> * Breakdown of frequency of travel to various countries (i.e.
> occasional day visits, short-term assignments, long-term or
> permanent relocations);
> * Nature of activities during travel to various countries
> (i.e. meetings at hotel, site visits for discussions,
> 'hands-on' work or direct involvement with locally based
> workers, senior administrative duties);
> * Economic impacts if unable to enter or remain in a given country;
> * Local presence requirements (i.e. operate out of hotel room
> or customer's location or need to establish a permanent
> physical base of operations);
> * Accompanying family members (i.e. will they be working or
> attending school);
> * Employment/ labor standards regulation (employee vs. contractor);
> * Minimizing global tax burden (e.g. restricting time in a
> given location); and
> * Medical or minor criminal complications.
>
> Step 2 Analyze and Strategize: Work with qualified
> immigration counsel to determine 'best practices' for travel
> for business meetings; determine means of acquiring required
> 'work permits' (also study permits for children); review
> advantages and means of securing 'permanent residence' and
> citizenship (including reviewing related tax and dual
> citizenship issues).
>
> Step 3 Execute: Work with qualified immigration counsel to
> determine what elements of the strategy can be completed
> directly by either the GEE or the Human Resource Manager; and
> what elements are so complicated or important that outside
> counsel should be involved.
>
> Step 4 Monitor: The immigration counsel should monitor and
> advise as to on-going changes to immigration laws and
> administrative practices which may present difficulties or
> opportunities to GEEs or the organizations that they deal
> with. As the immigration counsel is dealing with a number of
> cases, across a variety of situations and over an extended
> period of time, they should have a more accurate
> understanding of current trends than a given GEE who may have
> had a single negative (i.e. refusal) or positive (i.e. no
> questions asked) experience.
>
> Given the cost of a missed business meeting or the ability to
> operate in a chosen market, proper immigration strategies are
> a 'mission critical' requirement for GEEs. Furthermore
> increased scrutiny in a post-September 11th world, which is
> also struggling with the shift of economic power away for
> fixed local workers to mobile GEEs means that it is even more
> important for individuals to not rely solely on their ability
> 'to talk their way in'. This is especially true when claiming
> that you are just here 'visiting friends', could result in a
> long-term bar for misrepresentation.
>
> The turn of the millennium is a time for unbounded potential
> for the Global Economic Elites. However that potential can be
> frustrated or even severely curtailed if you believe the myth
> that the world has no borders.
>
> Copyright ¿ David S. Lesperance
>
> The content of this article is intended to provide a general
> guide to the subject matter. Specialist advice should be
> sought about your specific circumstances.
>
>
>

2004-03-16T22:47:00.000-08:00

How To Publish Your Own Newsletter

With the expansion and diversion of businesses, manufacturers, and even hobbyists into more and more
specialized areas of endeavor, there is an increasing need for more information. And newsletters are the
high profit way to cash in on that market for specialized information.

You can write and produce your own newsletter from home with a low overhead and potential for high
returns. Many newsletter subscriptions range from $25 to $100 per year, some much higher. Even a
thousand subscribers will bring in huge earnings.

There are no tried and true methods of making a newsletter successful, but if you investigate the market
thoroughly, and are cautious in your moves, you can make a break-even profit turn into a sound income
year after year.

You don't have to be a famous business consultant or an insider on the stock market to produce a
newsletter. There are many that cater to all types of sports, crafts, health, housing or money making.

The most important aspect of creating a successful newsletter is the market. You need to research who
will buy the subscription and how much they are willing to pay. But there are sound methods of testing
the market so you can be sure to come out ahead and establish yourself in the field.

If you have a special interest that has a broad following, you might find that a newsletter will be readily
accepted and flourish.

What interests or hobbies have you been involved with that can make a lively income for you? If you
follow the steps and carefully consider your market, there is no reason why you can't get into the
newsletter business too. And you can MAKE IT WORK.

WHAT IS A NEWSLETTER?

A newsletter is a special timely report on a single subject. It is a personalized, concise statement from an
expert or person thoroughly familiar with a specialized field. Newsletters are maintained solely by
subscriptions; there is no advertising. Most are printed within low budget means, typewritten, from two
to eight pages.

The specialized information in newsletters is current, and usually cannot be found elsewhere. They are a
logical extension to trade journals and magazines.

Aimed at a select group, they often contain the inside information in the field, hot tips or news scoops
that become old news in publications of the trade.

Newsletters are not distributed by newsstands, nor are they meant for the mass market. In fact, the
average number of potential readers of newsletters in any one field is relatively small.

Because of their specific information, newsletters can command a high subscription fee. Businesses can
afford to spend the money to offer executives top-rate inside information.

There are hundreds of newsletters now being published and distributed in the United States. But there is
room for hundreds more. Because of the specialized market, there is often little competition among
newsletters, and THERE IS A RISING TREND TOWARDS SUBSCRIBING.

WHY ARE NEWSLETTERS POPULAR?

With all the print media and visual communications in this country, you might think there is a saturated
market. And that is true when it comes to general interest mass market publications.

However, the need for specific information in specialized fields is constantly increasing. How can I beat
the competition? How does the world news affect my industry? Will a union strike on the other side of
the world raise our prices?

The focus of the newsletter is success. Success in business, success in hobbies, success in health and
happiness. The information contained in the newsletters motivates readers to follow the advice. What are
the best investments? Where are the trade shows? How can I get an edge on winning contests?

There is an endless need for specific knowledge in every field of endeavor. Since there is a high
standard of competition within every aspect of our modern life, people search for ways to be in the
know, and use that information effectively.

One of the reasons subscription prices can stay high is because people are paying for the knowledge and
what might be gained by it. If a two hundred dollar newsletter saves a company thousands of dollars in
excellent advice, then it is well worth the price.

WHAT IT TAKES

You can start a newsletter by yourself; you don't need a large staff. A desk at home, a typewriter and a
telephone are all the basic tools you need to creat a newsletter. Even when you get into comupterized
labels and mass mailings, you still will not need a large space.

You don't need to invest a lot of money to begin a simple newsletter. You may need to put a little out for
advertising for subscribers or mailings to introduce your product. And you may need to spend some
money on getting the first newsletter printed.

But, if your subscription list builds properly, you'll be able to earn back your initial investments quickly
- with some left over.

WHAT TO WRITE ABOUT

The topic you choose has got to be your major interest. You'll be living with it day in and day out for
years, so you need to be devoted to the subject. Usually, it's not hard. You probably already have a
chosen field of endeavor, or have developed a keen interest in a special hobby or sport. Writing a
newsletter is only one more way to demonstrate your interest.

Read any newsletters you can find. What do they talk about? How much do they cost? How long have
they been in business? You might want to talk to the publishers of a few to find out how they started and
what troubles they encountered. Consider paying them a consulting fee to help you get on your way.

Take a look at all the trade magazines of the topic you'd like to work with. Find out if there are any
newsletters already existing in that field. But don't worry - there is usually room for more if you keep to
another aspect of the business or endeavor.

Keep up with the current trends in health, money, sports, or social events and styles. What's new with
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the young people? Or the elderly? There are many retired people actively pursuing hundreds of various
interests. How can you tap into that market?

WHO WILL BUY?

The first place to test your newsletter is with associates and colleagues. And, you don't need their sub-
scription - just their input. What do they think about your ideas? How much would they pay for a
newsletter delivered to their office or home on the subjects that are vital to them?

The target you're aiming at is simply, anyone who will benefit from the information you have. Not only
are people in a specific profession hungry for news, but there are people in all sorts of related jobs and
organizations seeking specialized knowledge.

Everyone is interested in making or saving money. Although you don't have to focus on investments -
there are many such newsletters already - you can point out the benefits of your inside tips on how to
find the easiest, or the least expensive, or direct-to-the-source methods of attaining materials for pursuits
or sports.

Generally, you have a small audience target - about thirty to fifty thousand people. But even a small
percentage of that target will make your newsletter profitable.

Extremely successful topics are new trends where people can't get enough information. Manufacturers,
advertisers and entrepreneurs are all searching for the new to exploit. Depending on the subject you
choose, tap into those potential subscribers.

WHAT TO CALL IT

The title at the top of the newsletter is the most visual aspect of the publication. It reflects the content
and it reflects you.

What title is best for your newsletter? If you are well-known in your field, you can use your own name.
Or, think of a few titles that indicate the topic, or use a catch-phrase that sums up the endeavor. Two-
word titles work well.

You might use an action title if you're going after sports, or a title that includes the word "money" if
that's a main focus of your subject.

Make up a few titles of your own. How do they compare with the titles of other newsletters? Which
rings true for your enterprise?Check at the library to be sure your title is original and doesn't duplicate
other publications currently on the market. The title is your trademark.

Although newsletters require very little graphic design, illustrations, or an art director on staff, you may
want to consult a professional designer to help you with the prototype.

Since the title of the newsletter is so important, it would be worhwhile to have it designed. You'll only
need to pay a one-time fee, and you can use it forevermore.

The logo can be very simple. If you have a title that doesn't Àse your name, you might have a company
name under or above the title in small print. Although most publications don't place the address under
the title, newsletters often do, so potential subscribers know where to write.

Another aspect of the title at the top of the publication is the date and the issue number. These should be
considered in the original design. Since a newsletter has timely information, the date of the issue should
be easy to find.

The newsletter will be typewritten and photo offset, so an elaborate logo may look out of place. Start out
with one color and keep it as homespun and fresh as the news you'll publish.

Avoid fancy type styles or those that are hard to read. And don't go overboard with a clever or cute
design. Something simple and clear is what you're after.

STYLE AND FORMAT

A low-budget newsletter is usually one column, typewritten copy, with am ple but not wide margins.
Anything with two or more columns should be typeset, which is an extra expense you don't need.

The most economical way of printing the newsletter is on one or two 11 x 17 inch pages, printed on both
sides, and folded. This will give you a small booklet of four to eight pages, each the standard 8 1/2 x 11
inch size.

You might consider having it three-hole punched. It doesn't cost much to have this done at the printers,
and it could be an added feature to encourage subscribers to save the valuable information.

Any graphics should be kept simple, but don't be afraid to use subheads to break up the copy. A few
words capitalized or in a larger or darker print help the reader identify the information, and make it
easier to read.

Keep enough white space to encourage reading, but fill the pages to make the subscriber feel the
newsletter fulfills its promises.

WHAT TO INCLUDE

Consider a copy format that is divided by types of information. For example, you can have a section
labeled profiles, another on upcoming events. Perhaps you have a calendar of shows, conventions, or
seminars that would concern readers.

There might be sections on various industry policies or unwritten rules. Past events and history are
always good fillers. And don't forget humor. Although your newsletter is serious, potent information, no
field of endeavor is without its light side.

Don't lock yourself into a format you can't always fulfill. Rather, have these sections available for you to
use or not as each issue is written.

And always include subscription information. Your own newsletter is the best way to sell more.

FINDING THE FACTS

Your first few issues won't lack for information, because you already have pages of information to
publish. But after that, you'll need renewable sources of copy.

What's new in the industry? Your associates and colleagues are the prime source of undercurrents in the
field you write about. Renew and make new contacts - they'll be invaluable for getting information.Are
there any correspondents you can use in other parts of the country to give you facts? Perhaps you can
work out a financial arrangement with an insider for important information you want to include.

Interviews are important ways to get vital information. If you can't contact the people in the high places,
such as presidents or directors, their assistants can be just as - if not more than - valuable in acquiring
information.

New trends are found by talking to the workers, or the participants. An employee might describe the
wonders of a new machine; an athlete may praise some new equipment. And you don't have to travel to
see these people. A good phone voice can unlock many doors.

Don't overlook the obvious - public relations people have a lot of information to disperse. Creating a
good rapport with a p.r. person can get you constant timely advice and specialized information.

Talk to people who have nothing to hide. Secretaries often know more details than their bosses. And
they usually aren't told to keep projects secret. What they know can fill pages of newsletters.

Follow up on the articles presented in the trade publications. You might be able to use some more in-
depth aspects of the same topics they publish. Can you talk to the people they interview? Perhaps you
can critique some controversial subject and get someone to present an opposite opinion.

The newsletter is a personal forum. That means that you are welcome to give your personal comments
and opinions on anything. However, they can't be egotistical or narrow minded, or you'll lose
subscribers.

Trade shows and conventions are your gold. Every person who displays or attends the show is interested
in the subject. You could virtually interview everyone and get a complete overview of the industry.

If you are working with a sports topic, meets and events are the place you need to be. Talk to people
who arrange them and the broadcasters - they have a lot of background knowledge. You might be able to
feature events regularly in the newsletter.

Where are the people who subscribe to the newsletter? What events happen in their towns? If you are
writing about an industry, where are the main manufacturing plants? Have their local newspapers
written about public opinions about those plants, such as pollution or high employment?

If you have a topic that requires a certain environment, how do the local towns cater to the enthusiasts -
especially during a main event?

WRITING COPY

In this publication, you are the authority. Use strong, direct statements with an active voice. Although
you are often offering opinion, the content should be factual.

Your readers are intelligent, and experts in the same field you are writing about. You'll need to back up
your statements with research. A rule of thumb is that three concurring sources make fact. Although you
don't need to be a polished writer, your copy must be easy to read and understand. It should be exciting,
filled with lots of bits of information.

The main thrust of the newsletter is enthusiasm. Your subscribers are into the subject you are writing
about. Don't be afraid to let them know you love the topic as much as they do. Go ahead - get excited.

If you have chosen a technical subject, you'll need to be an expert in the field. If you are not, have
somebody you can call at any time to confirm fact. After all, your newsletter is geared towards the
experts, so you have to pull through.

You don't have to do all the writing yourself. You can employ free lancers who collect or write material
for the newsletter. The financial arrangement is negotiable. But keep in mind that high quality skills and
expert knowledge usually cost.

The success of the newsletter lies with the quality of information you have. Not the quality of writing -
the quality of information. If a reader can review an entire copy and say, "I know that," you're not
coming through with inside information or new trends.

Quality of information is the dozens of little tidbits of information, expert advice, and tips for success.
That is the core of the newsletter, and should be the core of your own interests. That is why you have a
unique knowledge to offer, and why your newsletter will be successful.

What interests you? You are the best judge of lively topics, and are the best critic of the newsletter. If
you subscribed to this publication, would this be what you'd expect? Are you delivering the full potential
of the subject matter?

Above all, is the information practical? Can a person reading the newsletter gain from having acquired
that information? Although you are publishing the newsletter for a select group of people, you should
direct it to each individual person.

The personal approach is the best attitude to take in both gathering information and in writing copy.
Since the newsletter is an informal publication, the copy should read informally - as though you just
heard the hot news and are writing it quickly for your best friend to profit by.

GETTING READY FOR PRINTING

Once you have all your copy finished, you need to have it typed. If you are an expert typist with an
excellent typewriter, you're ahead of the game. But if not, spend the money necessary for the final copy
to be letter perfect. Any errors will reflect on you - even typographical errors.

The first few newsletters you publish will require a lot of trial and error with copy and layout. You'll
need to decide how many spaces to leave between the end of a paragraph and the beginning of a
subhead, how many spaces to indent, and how big the margins will be.

Think about what is important to the format. Some newsletters use italics or underlined words to
emphasize the importance. And some of these overuse these methods publication is also . Always let
good taste dictate the layout and style of your publication.

When a whole line is taken up by a few words, or the last half of a hyphenated word, it is called a
widow. These look sloppy in any type of publication, so you may rewrite the paragraph to extend or
shorten that sentence.

Be careful about carry-overs to the next page. It's very awkward to hyphenate at the bottom of a page, or
have only one line at the top of the next, then space for a subhead. As you get more adept at preparing
copy, you'll be able to write to fit. And that looks good.

The basic standard for a newsletter is clarity. Can you read the type? Are the ideas well presented and
easy to understand? Do the subheads interest and motivate the readers?

The final typed copy is exactly what will be printed. Since photo offset is the least expensive way to
print multiple copies of typewritten material, the pages must be clean. Any second color should be
indicated with an overlay. This is a sheet of tracing paper taped to the copy with printers instructions
written on it and sections circled that need special attention.

For the first year of publication, you won't need to put in any photos - in fact, you may never use photos.
But give yourself a long enough time to get established before you go on to more expensive elements.

PRINTING

The least expensive - and most practical - way to print your newsletter is at an instant printers, using
photo offset. These small local businesses can print, collate, fold, and stuff into envelopes - all for a
reasonable fee.

If you want to use two colors in the newsletter, first have your masthead and perhaps border designs
printed in huge quantities. All the black type can later be printed on those two-color pre-printed sheets.

Don't go to the expense of elaborate printing until your subscription volume is high and you advance
into a different format. Almost any publication you read - newspapers, books, magazines-are printed on
large roll presses and require typesetting.

Typesetting is expensive, but it certainly gives a professional finish to publications. Consider, however,
if you want your newsletter to be slick. It may detract from its personal approach, and subscribers may
drop if it leans towards a magazine.

But, if your subscription list is large and the newsletter is successful, you can find excellent printers who
will handle the whole job of typesetting, layout, printing - all the way to mailing.

HOW OFTEN TO PUBLISH

There are a lot of factors to consider when deciding upon a publication schedule. The main one is how
fast can you produce a newsletter.

Work backwards. You want a subscriber to receive the newsletter on a certain date. It needs to be in the
mail a few days before that. And before that, it will take the printer how many days to deliver the printed
materials. How long will it take a typist to finish the copy, and for you to decide on the final layout?

How long will it take you to research and write material for your newsletter? This may be a deciding
factor in the size of the publication. Perhaps you'd prefer to get a four page newsletter out every other
week rather than an eight-page newsletter out every month.

If your topic is filled with today's news, then you'll want to get that out to your subscribers as fast as
possible. Other subjects can be done monthly, bimonthly, or even quarterly. Be careful with infrequent
mailings, however, because the subscribers may just forget about it. And what use is a small newsletter only a few times a year?

You must deliver the newsletter on a regular basis. Whatever production schedule you've decide on,
keep to it. Later, when it's successful and you have more people to help you with it, you may step up the
production and publish more frequently.

GETTING SUBSCRIBERS

Thin about where the people who would want your newsletter are, and go find them. Do you have access
to mailing lists directly related to your subject matter? Maybe you already have a small business selling
information, or have access to a customer list of people who buy similar information.

You can purchase mailing lists that have every demographic breakdown you can imagine. What is the
profile of your potential subscribers? Think about those people, and write down their attributes. Write
down the age group, sex, education level, income, where they live, perhaps the type of housing
accommodation. A good list broker can work out the best lists to give you results.

A sure way to build up a potential subscriber mailing list is with a drawing at a trade show or
convention. You can have cards printed up for people to fill in their names and addresses. All attendees
would be interested in the subject matter of your newsletter.

You can take out display ads in the trade magazines that cater to the topic you are pursuing. Include the
full details of your newsletter, or use a leader to get inquiries, and send the details later. Especially with
the prices of newsletters, you may want to prepare and send out literature and samples rather than go for
a low response.

Prepare a direct mail piece that describes the benefits and features of your newsletter and pushes for
subscription. You can offer a special free booklet to new subscribers, or a discount. You may include a
sample newsletter in the direct mail piece to show how worthwhile the publication is.

Selling newsletters - like any other direct mail or publishing enterprise - takes a lot of testing. You need
to test the initial response to the idea of the topic; and the response to the first few newsletters produced.

Pricing is always a tricky aspect of selling information. How high can you price your newsletter and still
keep the number of subscribers to make it profitable? You'll find through testing that there's a plateau,
and subscriptions will fall off when the price gets too high.

Frequency of publication is also important. Although you may be able to prepare and publish a weekly
newsletter, your subscribers may not be able to keep up with reading it, and prefer a monthly
subscription.

Any good mailing list should be used over and over. If you know you have a list of prime targets for
your newsletter, don't stop with one mailing. Follow through with subsequent offers at certain intervals
to catch those who couldn't decide the first time.

MAILING

You can use computer services in your town to have labels printed up, or, if you're only dealing in a
small quantity, you can have mailing lists photocopied onto address labels.

After your first success, and after you've paid your initial investment and you've got enough money to
expand, make things easy on yourself. The most sophisticated, and the easiest method of mailing to
subscribers is by computer.

Nowadays, computers are so commercially popular that they are within almost anybody's budget. And a
computer that would store and print out names and addresses need not be expensive.

If the mail is pre-sorted by zip code, you can use a bulk rate for mailing and save money. If your
newsletter can meet the specifications, you might even be able to get a special second class rate permit
for educational material. Talk with the postal workers to find out what you need to do to comply with
these special rates.

BOOKKEEPING

You can keep complete and accurate accounts of your newsletter business by yourself. It's basically
broken down into two areas: how much you spend, and how much you make. If you keep track of all
your expenses, you'll have an easy time of it at tax time.

Open up a business checking account at your bank. Get to know the bank manager - you may already.
Although you can start and maintain a newsletter within a low budget, be sure to figure your costs and
risks before you invest too much money, and be sure of a back up to be able to fulfill all the
subscriptions.

Maintaining your subscription lists is a task that needs diligence and a head for details. Since each
subscriber starts at a different issue, you need to create and continue a method of keeping track of
expiring subscriptions.

You'll want to write a standard appeal for renewal to be sent out in plenty of time for subscribers to
renew. And you'll have to follow up for those who choose not to renew at the end of their present
subscriptions.

The best advice is to get the best advice. Who can help you set up a subscription system? Maybe
somebody local is expert at that. Find out who handles subscriptions at a nearby publications, and talk to
that person.

WHAT'S LEGAL

Although any business in the United States is subject to the Federal Trade Commission's regulations, a
newsletter business is simple.

You don't need a license for this business. However, you should consult with your local Sales Tax office
for acquiring a resale tax permit.

The content of the newsletter must be documented by facts if you get into any dispute. If you don't
border on libel, you should have no problem with any law suits for the content of your publication.
However, consult your attorney if there are any problems with copyright, confidentiality, or access to
news.

If you write with integrity, independent of any payoffs by companies or individuals, you'll have no
trouble with being on the wrong side of the law.

SUCCESS IS YOURS

Writing and publishing a newsletter is a challenging and exciting way to express yourself. And it will
give you prestige and acknowledgment in the community.

You can start the business with virtually no overhead and a small amount of capital, and you can build
up to making profits in the six-figure bracket.

A newsletter has a market, and the people who subscribe to it will pay high prices for the information
you have. Tap into the market and reap those profits.

There's no news you can't find out about, and there's no industry or type of endeavor in this country
today that doesn't have a large group of enthusiasts. How can you find out what they want to know? This
is a place to use your resources and use your background.

The actual task of researching, writing, and having a newsletter published is easy. There are no secrets
or special tricks or skills you need besides a good nose for the best prices. What is important is coming
up with an idea for a newsletter that will sell to a select group who has no specialized information
presently available in that or in a similar form.

You've probably got your ideas already. Well, go ahead. Make up a sample newsletter and pass it
around. Get a good response? A small sampling is only a good indication that the rest will like it too.
Success is around the corner.

If you need specialized LEGAL advice or assistance on this subject, the services of a professional
person is recommended.

2004-03-16T18:24:00.000-08:00

Each day we publish a new article on Success!

For more resources, go to Destiny Central!

Here is wishing you the very best of success!

John