Banking Goes MLM with Prepaid Visa Debit Cards at ViTel Wireless Business Opportunity.flv

Fri, 18 May 2012 06:17:43 -0500

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PSECU: Online Banking Overview

Tue, 01 May 2012 09:20:59 -0500

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What can the FED do to save the economy?

Sat, 07 Apr 2012 12:55:25 -0500

The problem is too big to fix. Record stimuli, FED's interest have not stopped the downward spiral. Why? Banks have been lending to the wrong borrower for decades. Since s loans to the businesses have contracted, and loans to the consumer has expanded. Business loans are used to create value. They contribute more to the real economy. The likelyhood that they will be paid back is higher. But consumer loans do not provide value. Consumers consume. They do not produce. Today, banks are invested in consumer loans. The collateral for consumer loans depreciate in time. They do not create value. This is the cause of bank troubles today. years ago banks would be invested in pristine US government bonds. If that was the case now, a housing market crash would not effect the banks much. Alas, it is too late.Now, about making the banks lend to the business again... It is hard for the FED to turn the boat around because banks see this as what it is: A

Causes of the Economic Crisis

Sat, 07 Apr 2012 12:35:13 -0500

Current economic crisis is not the making of one or two governments. They are all the same. The monetary system is flawed and the past governments created the problem trying to avoid recession and achieve fake growth in their term. Banks create money when we borrow. This new money makes the government look good because when there is more money in the economy, it becomes easy to earn it. So people think the government is doing a good job. To postpone every recession, and make it a smooth sailing, the governments of the past years encouraged borrowing. FED went along because that meant more money more interest income for their banks. How did they do this? They used housing bubble among other things. For example mortgage interest deduction from tax. Why do they do this unfair treatment? It is a subsidy from tax payers to the banks...

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Sat, 17 Mar 2012 02:04:47 -0500

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Fri, 16 Mar 2012 08:16:57 -0500

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Understanding FHA and Conventional Mortgages

Wed, 29 Feb 2012 12:06:58 -0600

In today's market, there are two programs most people will choose from when shopping for a mortgage. Several years ago there were dozens, but the financial crisis reduced the number of risky programs lenders are willing to promote, leaving the bread and butter loan programs for borrowers who qualify based on traditional underwriting guidelines. Today's the majority of today's homebuyers will choose between FHA and Conventional financing. In order to qualify for conventional financing, you should have a credit score of at least . Some lenders will accept lower credit scores, but with higher interest rates and larger down payments. A credit score above a to will qualify for the best rates. Credit qualifying for FHA financing is much more relaxed, the minimum score is a and there are less pricing adjustments for lower credit score...

Choices that Make a Difference about your 401k Rollover

Mon, 13 Feb 2012 14:28:32 -0600

Typically, the particular words IRA rollover as well as k rollover are employed interchangeably because individuals make use of both words to describe the transition of assets from a k plan to the IRA after they either change jobs or cease working. The key reasons why it is popular to transfer assets from the k plan when separating from the business is for a larger choice of investment choices and perhaps greater returns and also greater control over your own retirement assets. The standard k could possibly provide to investment choices whilst your individual IRA which is practically infinite regarding your investment possibilities. In reality, some individuals working for a business may look to move cash from their k to their IRA to enjoy these benefits and in some cases that is doable.The way you take care of the particular aspects of one's -k-roll-over options is important as the wrong approach will lead to needless withholding tax. Whenever transferring...

The American Dream - How our Money system is corrupted

Mon, 30 Jan 2012 09:31:40 -0600

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Tv9 Gujarat - Reserve Bank removes various charges of Banking whereas Private Banks continue them

Thu, 12 Jan 2012 00:14:17 -0600

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2011 Banking: Price Increases, No one asked me

Sun, 08 Jan 2012 00:46:54 -0600

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Apply For Second Chance Checking Accounts Online - A Second Chance Awaits You

Fri, 06 Jan 2012 00:26:21 -0600

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Money As Debt - Fractional Reserve Banking - Cartels Robbing the Public (1/5)

Wed, 04 Jan 2012 00:14:49 -0600

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Unity One Credit Union - People helping people

Sat, 31 Dec 2011 07:37:57 -0600

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Scott Schiff knows a lot of things

Wed, 30 Nov 2011 12:10:50 -0600

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Smart Banking Podcast. LegacyBanks-001.EquipmentFinancing.mp4

Sun, 27 Nov 2011 08:10:02 -0600

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Smart Banking Podcast. LegacyBanks-002.CommercialRealEstate.mp4

Thu, 24 Nov 2011 23:47:40 -0600

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The Real Cause of Our Economic Problems

Fri, 11 Nov 2011 08:17:22 -0600

Many people wonder "How do banks create money ". Entire money supply is debt. It is the principal we borrowed. But banks demand that it is paid with interest. It is not possible for every borrower to be employed at levels that enables them to earn principal interest. Because the interest portion is not created yet. It is only created with more borrowing. The inflation created by money creation of banks punishes savers and forces more people to borrow. New money is used to pay old debt. When we run out of borrowers, it crashes. New money that is created in a society should belong to the society. It should not belong to private bankers. Thus, if any interest is to be paid, it should be paid to the people, not to the private bankers. A solution is to require fractional reserve. Let treasury print principal interest when a loan is made. Principal is loaned out to the borrowe...

Debt Based Monetary System is the Problem

Mon, 07 Nov 2011 12:39:00 -0600

When we borrow, banks create new money . They do not lend existing money. In fact, all bank accounts are just a promise to pay you dollars. They do not really have the dollars. Fractional reserve banking makes this possible.This new money makes the economy feel good. This is how they put the entire population to sleep. When there is more and more money or the illusion of it since it is just borrowed money, people spend more and inflate prices and salaries. People are happy to have a job and they happy to pay their debt to the bank with interest. Only problem is that, if banks did not create money out of thin air, we would not have to borrow, prices would be lower and we could afford things cash down. This is why rich gets richer and poor gets poorer. Have you seen it any other way?This ponzi scheme lasts while borrowing expands. T...

Bank Losses Mounting

Tue, 01 Nov 2011 06:22:50 -0500

Banks are not out of the woods yet. Peak losses ahead. FDIC is broke :http:www.tradingstocks.nethtmlfdicinsurance.html FDIC is levying extra fees to the member banks to pay for the failures. These extra fees will push marginally healthy banks to the edge and more may fail. That results in even more fees! And the dominos start falling. Is your bank safe ?http:www.tradingstocks.nethtmlisyourbanksafe.html Banks have been lending to the wrong borrower for decades. Business lending has decreased every year since . Banks were lending to the consumer instead. Consumers consume. They do not produce. Consumer loans are backed by depreciating assets such as cars, houses. If they value goes down, the loa...

Excessive Banker Pay is Under Scrutiny Again

Tue, 01 Nov 2011 05:24:03 -0500

Believe it or not, the government does not have that much influence on the economy. It is the private sector, especially the wall street and the bankers who run the show. It is not a coincidence that they were the ones bailed out with tax payer money across the world while the rest of us are going bankrupt.Around the globe, law makers are proposing changes to the free markets to curb excessive pay . Decades ago in the United States, an executive pay was about times the average worker salary. Today it stands at around times. Are the executives so much more productive?? Or is it part of the financial mania we are going through?Their compensation is tied to short term performance. This makes them make short sighted decision to show good numbers immediately so that they can cash it out and get out. They don't c...

Banking With Your Peers [FOX 10-14-2011]

Tue, 18 Oct 2011 12:21:45 -0500

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How to Fix Inflation and Deflation

Thu, 13 Oct 2011 02:29:54 -0500

Inflation is the end result of borrowing. When we borrow, banks create money out of thin air due to Fractional Reserve Banking. This money inflates the money supply and prices along with it:http:www.tradingstocks.nethtmlbankscreatemoney.html However, as the total debt expands, the interest burden on the economy increases. Thus, if the debt does not expand productive capacity, people cannot get raise. When entire money supply is borrowed, it has principal interest to pay. Principal exists, so we can earn it and pay it back. But interest portion does not exist. In order to pay it back, borrowing must continue. Borrowing continues until the economy can no longer afford mon...

Swiss Numbered Bank Account

Sun, 21 Aug 2011 00:37:47 -0500

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