Tuesday, November 17, 2009

growth sectors in economic turmoil

In every swing of the economic pendulum there is always some business that is set to profit from the shift. As we are nearing the end of 2009 there are some market sectors that are going to get hit extremely hard. With a Cap and Trade or otherwise named energy tax coming soon, businesses are going to be forced to pay new taxes based on their carbon footprint. Those perceived as polluters, whose lively hoods are derived from resources such as petroleum, are going to take it in right the bottom line.

From farmers to lawn care franchises, those businesses who use fertilizer made from petroleum are going to be told that they have a greater carbon footprint and are therefore going to be "assessed" an energy tax. This money will go to the government who will use it to fight global climate change. Since there has been such an outcry over the destructive nature and dangerous side effects of synthetic chemicals on the environment these companies are already on shaky ground. While lobbyists are seeking a ban on these chemicals, it is more likely that they will be subjected to punitive carbon assessments instead.

So who is going to profit during this change in market trends?

The sustainable green community could harvest profits as the demand continues to grow for natural and organic products. This sector has seen impressive market expansion over the last ten years and could be poised for even more as prices force growers to seek alternate growing processes. Companies that are geared towards home gardeners and the do-it-yourself niche are also expected to see moderate gains.

The solid waste disposal and recycling sectors are also positioned well. One such company, Agra-Cycle, specializes in sustainable recycling programs which are an effective method for reducing carbon footprint assessments while also reducing the amount of waste shipped to the landfill. "Agra-Cycle is a non profit organization that specializes in helping project managers institute landfill diversion and zero waste initiatives." says Jack Revart, the director of public relations for Agra-Cycle. "Locally we have seen the casino industry in Tunica come under intense scrutiny from the corporate board rooms as well State officials due of the amount of waste the is being generated. When you realize that current landfill tipping fees are about forty dollars per ton and you are shipping out hundreds of tons each and every day, that creates a massive expense."

That is also a massive amount of pollution. The EPA states that for every ton of organic waste that is sent to a landfill it produces nearly a ton of methane gas. "We show businesses and local governments how to convert organic waste into compost by using technology that has already been used for nearly twenty years. Compost increases soil fertility and thereby increases agricultural production while simultaneously improving our environment.

Agra-Cycle is also developing a commercial in-vessel composting unit dubbed the Vee-Stack. "The Vee-Stack is a stoichomatic composting chamber that can process in excess of ten tons of waste per day. Current equipment of this type carries a price tag of nearly two hundred thousand dollars and comparable systems can quickly run into the millions of dollars. We have worked in this industry for some time so we have been uniquely positioned to understand what works and what doesn't. Purchasing a multi-million dollar composting operation to reduce your waste disposal is not sustainable if it costs you more than you are currently spending. We made major advancements in system design and expect to begin production in the summer of 2010 for around fifty thousand dollars" When asked why this new technology isn't going to be sold for more, Revart said, "We are in the business of promoting sustainable recycling, our business plan is not based on manufacturing so pricing is not the primary consideration. We are also planning on selling construction plans and operational guides. Our goal is to raise awareness of sustainable recycling and the many benefits of composting at every opportunity"

This is one market sector that bears further examination in the near future as businesses look to invest in carbon projects or carbon credits, that will reduce their carbon footprint assessment.

The President of the United States has already expressed his support for a United Nations Treaty to address the "crisis" of global climate change next month in Copenhagen. Whether or not he is successful in this bid - we don't know but like it or not, one way or another things are getting ready to change dramatically. How are you positioned?

debt settlement changes

In an attempt to limit a viable solution for consumers struggling with debt, financial institutions are pressing the Federal Trade Commission to set strict rules for debt settlement firms under amendment 16CFR Part 310, commonly known as the "Telemarketing Sales Rule".

According to the National Association of Attorneys General, in the past five years, 21 states have sued 128 debt-relief programs. Several Attorney Generals have launched investigations into firms alleging deceptive business practices. In its effort to protect consumers from abuse, the FTC is proposing an amendment to combat "false promises" by requiring firms to better disclose the debt settlement process and limit the firms abilities' to charge up-front fees.

Debt settlement firms are notoriously bad at the financial calculations involved in the process. Since most firms use the "reduce debt by 60%" marketing message, counselors will often use the original debt balance provided by the consumer and apply that ratio - knowing full well that the creditors will add penalties, fees, and interest to that amount. Creditors negotiate starting from the inflated balance, typically increasing by 25%, and in rare cases even more, resulting in consumers paying a larger dollar-amount settlement than originally expected estimated.

At the root of this problem is the unregulated nature of the fast-growing industry. Unlike debt collection companies, which are heavily regulated, most firms operate without established policies and procedures that ensure the accuracy and consistency of services offered. The reality is that many debt settlement programs regularly fail to provide the services promised resulting in regulators and consumer confidence to dramatically declined.

To discredit the debt settlement industry, financial institutions along with collection agencies, collection attorneys, and consumer credit counseling agencies have been claiming that the industry is "illegal and unethical." Credit card companies and bill collectors have gone as far as telling consumers struggling with debt, that they don't settle with third parties. These agencies work together to ensure that loans are repaid.

As a debt-relief advocate, I assure you that creditors are motivated to accept settlement offers after an account has been in delinquency for a period of time. If the consumer is in default on multiple credit obligations, lenders are further motivated to settle quickly before any available money has been paid to other creditors.

I believe the controversy surrounding debt settlement can be resolved by preventing unscrupulous firms from taking advantage of vulnerable consumers and, effective immediately, prevent credit card companies from reneging on contract agreements with its customers. Most consumers aren't suited for debt settlement. Many who attempt it eventually file for bankruptcy protection from relentless creditors as a last resort. I believe change is needed to protect consumers. In debt settlement, it takes time to see results, nothing is guaranteed, and it takes one creditor to ruin a program underway.

when bankruptcy lawyers go bankrupt

Most people believe, and I used to be one of them, that there was no such thing as a recession proof business. It was always my belief that everything could fail, and there were only recession resistant businesses. However, not long ago an acquaintance of mine told me that bankruptcy lawyers always do good in recessions, and therefore, it was a recession proof business.

That may be, but that also means that it is not a commercially viable business during an expansion period in the business cycle. See that point? This makes a lot of sense, and it gets back to another interesting dialogue and that is how do you know when we have truly recovered from a recession.

As we know, the commercial credit markets are still tight, unemployment is still high, and retail sales are still down, even though the stock market is now up. People say that the stock market going up is a real sign of economic recovery, but it could come crashing down again as well. In fact, we could have a stock market pull back after the first of the year and slip back into a double dip recession.

It could take quite a while for unemployment figures to stop rising, and everyone to get back to work. That would be a good sign of economic recovery indeed. However, taking all this into consideration, I would say the best sign for economic recovery would be when bankrupt lawyers start going bankrupt themselves.

Wouldn't you think that that would be the greatest real sign of economic recovery? Boy, I would, and I can't wait for the day. Please consider all this.

Wednesday, November 11, 2009

Monday, November 9, 2009

mystery shopping

a fun, great way to make a little extra cash, there are a ton of companies out there, some much better then others! look around and pick a few you like and give it a try!

Sunday, November 8, 2009

My money belongs to Jesus

What is the focus of our politics? mine is not on any one party line or platform, I believe in Jesus, and so His principles are the basis to my political stance. I believe in true freedom, in the idea a true free market system. no give aways, no government handouts. Minimal taxation and minimal regulation. It is the churches place to take care of the widows and the poor. Government never had or has the authority to deal with it, nor the capacity. Education also is supposed to be community and faith based, not state and federally regulated and funded, enough of that. Well I could go on forever, enough for today.

Thursday, November 5, 2009

why healthcare?

While the polls continue to show that the economy is the primary concern of the people, we have the congress trying to pass a 2000+ page health care reform bill. This process would have been a comical scene if it were not so serious. Congressmen operating behind closed doors, trying to hide what they are writing up from the inquiring public, and refusing entry to the capital by groups bringing petitions in opposition of the bill all compose a discomforting picture of our current political process.

The stated goal of the bill has changed numerous times as it has been written and re-written. First, it was to provide coverage for the uninsured, and then it was to reduce the costs of the uninsured on the government coffers, or to reduce the cost of health care, then it became a need for the government to issue insurance to "compete" in the free market.

None of the proposed bills has offered an inexpensive approach, all are extensive, as well as expensive, and look to increase our deficit, our taxes, reduce Medicare for the elderly, and further compound our problems. It does not appear that any of the stated goals have been achieved but they press on in an attempt to force an unwanted bill on the people of this country. All this appears to be motivated by some goal other than the stated purposes offered up to the press.

So, if it meets none of the intended goals, increases the debt, increases the taxes, cuts the care to the elderly, what then is the purpose? We could accomplish those things in one page. Why 2000+ pages that only do harm? Why the phrase "you shall" 3000 times? It does not appear that any of the actual consequences of the passage of this bill will help our economy nor benefit the people of this country.

While congress does their silly dance over this fiasco they call health care reform our economy continues to suffer, the dollar continues its downward slide, and the rank of unemployed continue to grow. They have worked for months in congress to pass a bill we cannot afford. Perhaps they got the cart in front of the proverbial horse. Maybe...just maybe, the country might have resisted the nonsense of this health care bill a little less if congress had gotten the economy on solid footing before they set about spending trillions more tax dollars.

Wednesday, November 4, 2009

infiniti downline...

I joined, seems easy and simple enough. At least it is cheap... a good way to get leads for other programs as well. Why don't you go ahead and try it out.

check this out



online trading?

What most people do today with their money is to invest in stock trading. Basically, this is common to people who want to earn money fast. These are people who are busy with their profession and want to invest their savings wisely yet they don't have to exert much effort.

Traditionally, people go to different brokerage houses to buy stocks. But with the versatility of internet, it offers you with online stock trading. Online stock trading is the process of buying and selling of stocks over the internet. The best about this is that transactions are made fast for you.

Online share trading is being offered by many sites over the internet. In principle, it works just like the traditional share trading, but the edge of online stock trading is that there is no middle man here. There are trustworthy trading and investment sites to support you in your online stock trading that offer you with low brokerage fees. It means you can save some of your money in which later you can invest again in stocks.

There are also different lines of investment products for your money .It is very easy to start trading stocks, one can apply his account online and within just one click he can be on his way for stock trading. No many requirements are being asked for you to join.

Because it is online, as a trader you have an effortless access about the latest news and you can utilize diverse research tools available online. Without a doubt, you can get wealthier with every click. It takes patience and persistence but in the end the lifestyle is worth it.

Tuesday, November 3, 2009

forex trading, are you ready?

Obviously when you start trading the forex market, you are going to have to use demos. Everybody does it, and rightfully so. After all, you have to understand what you are doing first before you start trading with real money. It would be insane to do it otherwise.

HOWEVER, there are way too many traders who don't want to take off the training wheels. I've heard of traders who have been trading demos for over a year without ever opening a real account. Chances are that these are traders who will probably never see success in the market.

Frankly, they are too scared to trade with real money. It's a problem that a lot of traders face. Everybody knows the statistics. 95% of forex traders are losing money. I guarantee you that there are a lot more than 5% of forex traders who are making pips on demos.

It's obviously a lot easier to trade when there is no actual money at stake. The problem is you are not really dealing wih fear and greed when you are on a demo. You have to be able to test yourself and see if you can get a hold of your emotions when you trade for real money, because it does have an effect on you.

I've seen traders who have done phenomenally on demo account. Once they opened a real account, they crashed it. They just couldn't handle the drawdown, and they freaked out. It doesn't matter if you are the greatest trader in the world. If you can't handle your emotions, you are going to be part of that 95% who are losing money. It all starts with getting rid of your demo account.


Mailbox cash is now flowing... excited to say the least.

I see I have 10 offers on day 1....

at at least a quarter or more a piece...

How many are available to you?

go find out!


So I am baffled, I was all ready for this massive launch and few weeks ago, I sent tons of invites. Got very few responses. This really as a great new concept but I guess people just don't get it. So will you do me a favor and watch the videos and what have you and let me know where the problem may be?