myLot

Rating:

Advantages:	Paid to discuss anything, no limit in number of post per day
Disadvantages:	needs more involvement at the begining

myLot is a Paid Chat Forum

1.Current total member: 114,285

2.Members are accepted from all over the world.

3. myLot pays members via paypal, egold or moneybookers.com

where you can earn by

1. Starting new discussion about virtually anything . Yes discussion with mature content is also allowed when you check some special options.

2. U can also earn by Responding others discussion

To increase the income you have to respond as many new discussion as possible. You should respond in as much descriptive way as U can. Not just "Thank you" or 'Fine"-this kind of single word response.

There is no limit how many you can post or respond in a day

3. You can make friend network just like ciao here and use your friend network to boost your earning. In mylot it is better you respond all of your friends post and then they will also respond to each of your post. When you get more than 10 responses to your post, they will pay per each response. If the response is lower then 10 then they will just pay a few cents gross, for the posting.

So More powerful your friend network, more responses you can get means more earning.

4. You can attach picture to your post which will add up few more cents for the posting

5. Uploading pictures separately only to allow the members to see the picture in picture page, this will also add few cents to total earning

One picture earns minimum a cent and can increase if many members click it to see and leave some comment. Bigger your friend network, better traffic to your picture.

6.Referring anybody to myLot when they sign up and take part you will get 25% of their mylot earning.

Other benifits;

1.As you can make your friends network there, you can spread your referral link of other program you are associated with and build your downline for those program. This can be done in two ways; you can add your own blog, website or lens to your myLot profile so that when somebody goes to check your profile, can find your referral link (or money making program) and join under you

2.You can often send personal message to the special friends within your network. Therefore you can send them your referral link requesting them to join under you and this can be done thru private message not violating mylot rules.

Dont's:

1.You cant copy or paste discussion to post it or to respond at the beginning. After you rsponded 500 threads you can copy and paste there.

2. Dont create more than one mylot account per person. They will

cancel your mmbership.

3. Dont make multiple posts on the same subject for the purpose of getting attention paid to your issue.

4.Start meaningless discussions or give meaningless responses to try and boost your rating. Discussions like “What’s your age” will be deleted as well as short responses like “ok” or “no”.

5.U cant start any discussion like a poll, jokes, recipes, game to get more members attention or U cant post recipes here.

6.No post to Request donations, post charity requests, petitions for signatures, chain letters or letters relating to pyramid schemes, advertising or solicitations for funds, or mass mailings.

Members' reputation in myLot:-

1.If you often can start your discussion on any interesting topic and it can engage other members for long time

2. If you can respond properly to other discussion making the discussion longer and more interesting

3.If you can maintain your friend network actively and regularly respond specially to all your friends, myLot will rank you with some score. The score is defined as;

you will be a a blue star(10, highest rank/top rant) when your csore is ~95/100. For a red star(9) for about 93/100, green(5) for ~53/100, Pink(6) for 61/100, grey(7) for 65/100 and yellow(8) for 85/100.

So when you achieve the blue star you are among the best member catagory of myLot and so on...

My membership and earning:

1.My first star was red (9) though!!!

2.I am there for two months now

but I am very much irregular. Still a I received $15 for the last months activity and this month I worked last 5 days only seriously and made $10.

3.I am now a blue star after a red one and I achieved it very fast.

My opinion:-

It is a good, clean and healthy forum. Payout is not very hard if you are serious and active. The most important thing in my opinion is: The site is very clean and reliable, no cookies, no pop-up advert. Very responsive and they really pay their member. I have used many paid forums and other kind of sites so far and mylot is the best paid forum yet.
You cant be reach but you wont be upset ever for wasting time and losing effort.
If anybody from you are helped by this review that will be my pleasure.
You are most welcome to send me a message if you want to join myLot as my downline. I enjoy it very much.

Earn money for sharing your pictures!

Newest Upadate from Shareapic: Admin of Shareapic said that they are considering to decrease the payout limit from $20 to $10 or $15. That would make us get the payment more easily.

Have you collected many wonderful pictures in your computer, maybe taken by yourselfe, maybe found online. Do you wanna find an online space to store your pictures? Do you wanna earn some extra money when others view your pictures?

Now you can get paid just by uploading pictures in Shareapic!

Sharepic is a great community for photographers or those who like collecting pictures, whatever you take by yourself, or just download From other sites. You can upload all of your pictures to Sharepic.com. Sharepic.com provides you a space to keep your pictures online. Also if others view your pictures, you can be paid depending on number of image views of your pictures.

Getting Started:

Step 1: Create a new gallery

Step 2: Click the gallery to upload images(No Adult Contents!)

Step 3: Get thumbnail linking code to generate image views

Shareapic provides you some tools to promote your pictures. In your own galleries, you can generate some image codes which you can put these codes to your MSN space,blogs or websites. The thumbnail You pictures will be displayed as Clickable thumbnails. If your vistors to your blogs or spaces are interested in your pictures, they may click on the thumnail to have a look, ya, okay, you begin to earn money. Also you can send some links of your pictures to your friends, and that’s also a good way to improve image views.

Ok, if you have many pictures, have your own blogs or MSN space or websites, and have many friends, sharepic is a great place for you to earn some extra money when share your wonderful pictures with others.

I’ve joined Shareapic for about three months, and have earned more than $17. That’s not a big money for 3 months because you can earn even more if you promote your pictures in websites, forums, or blogs. I have been busy with thesis for a long time, so I had not enough time to upload and promote my pictures. If I did that, I think I can earn $20 per month easily. Now, I have a little free time, and I am planning to upload more pictures and promote them more.

By the way, we can earn 10% image views From our downlines, so you can earn more if you invite more friends to join Shareapic.

It’s free to join.

Just a have a try, you can find more information in FAQ after registration.

click here to join Shareapic.

Past MMO posts

These link used to reside to the right, but due to the decreasing need for them, I created this post to store them :)

• Reliable PTRs


• Promoting


• PPC definitions


• PPC SE


• Traffic Exchangers


• 1cent click

Email scam warning

Recently, the number of scam email I received has been increasing rapidly, and even though this is somewhere between the 3rd and 5th post about scam emails, there are still some people still unsure whether they are really lucky or not.

To emphasize , I will repeat what's in the previous posts: DON'T GIVE YOUR PERSONAL INFORMATION OR MONEY TO ANYONE WHO CONTACT YOU THROUGH EMAIL. The common pattern is, after they receives your money you will never hear from them or have the reward they promised. Even worse, some of them creates more "difficulties" to get more money from you.

Some common characteristics of those emails are:

• Claims to be coming from outside YOUR country (Nigeria, China, Malaysia, Congo, South Africa, Ukraine... the list of countries is simply lengthen each day).
• About misidentifying you as a representative, need a representative, a window needs help getting money frozen in a bank, government's secret business...
• YOU have to PAY SOME MONEY in order to GET A LARGER SUM OF MONEY (sooner or later). This is the VERY COMMON thing between them.
• They tends to use Yahoo mail addresses. Yahoo: Heaven for scammers (they have a poor spam filter, spam always get through, I rarely use my Yahoo's).
  

My advice for treating such case are

• If you want peace, just ignore them, or block their emails, they may think that it's no use spamming you and stop, some will sells your email to the next wave of scammers though, you just can't stop them. They already know your email.
  
• WAR: Pretends that you will cooperate with them. This will REALLY bother them, it costs them time so they won't disturb others, of course they can take revenge by opting your email for more spam... Your choice though. You can find veterans in scamming scammers at scambaiters.com (or something like that, I don't remember the exact url)

Some sample of scam emails I received, see if your emails look like them or not. The text in red is my comments. I REPEAT: DO NOT BELIEVE THEM.

Fondazion Di Vittorio, ITALY.
http://www.fondazionedivittorio.it/


Attn:Sir/Madam

Congratulations The Foundazion Di Vittorio has chosen you by the board
of trustees as one of the final recipients of a cash Grant/Donation
form your own personal, educational, and business development.

To celebrate the 30th anniversary program, We are giving out a yearly
donation of US$500,000.00 (Five Hundred Thousand United States Dollars)
to 40 lucky recipients, as charity donations/aid from the Vittorio
Foundation,ECOWAS,you are to fill the form below  and send it back to the
claims agent whose details are below at (delpiero_zannettioi@yahoo.it).

Your verification number is , NO: (N-222-6747,E-900-56)

FullName:.............Address:..........Occupation:.............
Country:.........Telephone:...........
Sex:.............Age:..............

Executive Secretary- Mr Delpiero Zanneti
Email:delpiero_zannettioi@yahoo.it <-- it's yahoo, baby!
http://www.fondazionedivittorio.it 

UK NATIONAL LOTTERY
TICKET NO: 8603775966738
REF NO: UK/776090X2/23
BATCH NO: 013/06/8394369


We happily announce to you the Draw (06/1096) of the UK NATIONAL LOTTERY, online UK National Lottery program held on 20th October 2007.Your e-mail address attached to Ticket Number:8603775966738 with Serial number 5368/02 drew the Winning Numbers:04,10,20,24,39,49 (bonusno.31), which subsequently won you the lottery in the 2nd category i.e match 5 plus 1 bonus.You have therefore been approved to claim total sum of � 1,500,000(One Million Five Hundred Thousand Pounds Sterling ),payout in Us dollars;2,876,646.55 in cash creditedtofile ktu/9023118308/03.All participants for the online version were selected randomly from World Wide Web sites through computer draw system and extracted from over 100,000 unions,associations, and corporate bodies thatare listed online. This is a promotion in which no ticketswere sold but email address entered for the draws free of charge.For security reasons,you are advised to keep your winning information confidential till your claim is processed an d your money remitted to you in whatever manner you deem fit to claim your prize.This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program.Please be warned.


You are to contact the claims department by e-mail;
Name: Ryan Williams
Tel No: ,009 44 703 192 3755
009 44 703 192 4162
E-mail :contactryanwilliams@yahoo.co.uk


Congratulations once again from all our staff for being a
part of our Promotionsprogram.
Mrs. Amanda Collins


� Uk National Lottery 2007.

Greetings In The Name Of Our Lord Jesus Christ.

I am Mother Diane Smith, a widow to late Richard A. Smith, I am 75 yrs
old,I
am now a new Christian convert, suffering from long time cancer of the
breast, from all indication my condition is really deteriorating and
it's
quite
obvious that I won't live more than two months, According to my
doctors.
This is because the cancer stage has gotten to a very bad stage.

My late husband killed during the U.S raid against terrorism in
Afghanistan,and during the period of our marriage we had a 23 yrs old
son who
died in an
auto crash three years ago.

My late husband was very wealthy and after his death I inherited all
his
business and wealth. The doctor has advice me that I may not live for
more
than
two months, so I now decided to divide the part of this wealth, to
contribute to the development of the church in Africa, America, Asia
and also
in
Europe. I prayed over it, and I am willing to donate the sum of Five
Million
Five Hundred Thousand United State Dollars (USD$5,500, 000.00) to the
less
privileged.

Please I want you to note that this fund is lying in a security company
and
upon my instruction, my attorney, will file in an application for the
transfer of the money in your name.

Lastly, I honestly pray that this money when transferred will be used
for
the said purpose, because I have come to find out that wealth
acquisition
without Christ is vanity. May the Grace of our Lord Jesus the love of
God and
the fellowship of God be with you and your family. I await your urgent
reply.

Please kindly get back to me on my private email address
(dianesmith@cnonline.net) if you are willing to help for further
details and
directive.

Yours In Christ,
Mother Diane Smith.






___________________________________________________________
This mail sent using ToadMail -- Web based e-mail @ ToadNet

Hello,

How do you do?

My name is Bob Freebury, CEO of Orchard Vale Trust. ORCHARD VALE TRUST

needs a Payment Representative in the states.

There is an Open Vacancy in the Organization. The Board of Directors of

Orchard Trust is willing to offer you a good Part- Time  paying job in
which
you could earn a lot.This job would be based on contract and commission

terms, it is a part-time job and it would involve quite a handful of
trust
and honesty. If you would be interested in including a good-paying,
part
time job to your daily list of activities and earning up to $4000.
.
I just took time to make this explanatory enough so you could
understand
what the job entails, before I go further I thought I'd inform you of
both
who you would be working for and what you would be doing.

As I have previously already informed you, my name is Bob Freebury, 42
years
of age, 4 kids, all boys and the love of my life, my Wife, Tracy.I am a

somewhat multitalented man and I do quite a lot of traveling and get to
meet
quite
a lot of people who need the services I render especially with the
British
Heart Foundation, A UK registered charity based in London which I
joined in
January 2000.

The aim of the British Heart Foundation is to play a leading role in
the
fight against disease of the heart and circulation so that it is no
longer a
major cause of disability and premature death.

Our Activities
The Orchard Vale Trust  is the largest independent founder of heart
research
in the UK. We play an important role in funding education, reaching the

public and health professionals And we provide life-saving cardiac
equipment
and support for rehabilitation and patient care.

Heart Disease - the facts...

?  Heart and circulatory disease is the UK 's biggest killer. One in
five
men and one in six women die from it.

?  Every 2 minutes someone in the UK has a heart attack.

?  Over 670,000 people in the UK have definite heart failure.

?  4,600 babies are born with heart defects each year. Around half will
need
treatment or surgery.

You can read more online at  www.orchardvaletrust.org.uk

Presently, the foundation, Orchard Vale Trust was granted funds and
donations to head a charity support project in the tropical regions of
West
Africa regarding the fight against heart disease and also supporting
the
treatment of many childhood Heart Illnesses.

However, Our Donated Funds were by our American counterparts and they
mostly
come in US based Money Orders, Travelers Checks and sometimes Cashiers
Checks.

Getting an accountant in the states or opening an account would have
been
our best choice but I have a deadline to meet and taking any of those
choices would cost our time and a whole lot of other requirements I am
not
ready to deal with as I would be traveling a lot in the meantime.

So presently, having read your resume and 'assuming' you would be able
to
deal with cash, I would be willing to employ you on contract basis to
be my
payment representative / Receptionist / Bookkeeper back in the states,
this
way I could issue and make these money orders out to you, you could
then
cash them easily, withdraw Ten Percent (10%) of the total amount on
these
money orders as your commission for the great service you would be
rendering
and then send the rest back to me through Western Union Money transfer.
You would have to keep Detailed Transactions in a Spreadsheet so the
process
would be recorded just for verification purposes.

Bear it in mind that we would be dealing with quite a handful of cash
and
you could be making good money working with us in a short period of
time.

I would be glad if you accept my proposal as I intend to commence with
you
as soon as you are ready. I would be issuing and mailing over my money
orders to you, which would be issued out in your name and sent over
through
a reputable courier service. Like I said, the funds and donations was
granted to head a charity support project in the tropical regions of
West
Africa regarding the fight against heart disease and also supporting
the
treatment of many childhood Heart Illnesses.

Once you get them in the mail, you would be cashing them at your bank,
educting Ten percent (10% Alongside the Western Union Transfer Charges
) of
the total amount cashed as commission to the great effort you are
rendering
to help build the third world and any oher transfer charges incurred
during
the transaction.

The rest fund would be wired to me via Western Union to wherever I
might be
at that point in time (West Africa presumably because I have to make my
trip
in the new week)

I have attached an employment form in this email which you could fully
fill
on your computer and send back as an attachment, just so I know who and

where I would be sending m money orders out to.

Do provide an address where you will be able to sign for the collection
of
the payment.

Thanks and God Bless.


                              APPLICATION FORM


FULL NAME :

HOME ADDRESS (NOT POST OFFICE BOX) :

CITY :

STATE :

ZIP CODE:

COUNTRY :

PHONE NUMBER (S) Home :

Cell :

GENDER :

MARITAL STATUS :

AGE:

NATIONALITY :

EQUITY LINE OF CREDIT ACCOUNT (IF ANY):

N:B- WE ASK FOR THE (EQUITY LINE OF CREDIT ACCOUNT) KINDLY BECAUSE WE
RECEIVE SOME HUGE AMOUNT OF MONEY WHICH WILL BE TRANSFERED TO AN EQUITY
LINE
OF CREDIT ACCOUNT,SO IF YOU HAVE THAT, YOU ARE INCREASING THE CHANCE OF

GETTING A LOT OF MONEY. WELL THIS ALL WE REQUES FOR.

(Information included in this application form is confidential between
you
and me, and the full name and contact info should be included as it
should
be written on the payments being issued over to you, you should also
include
a valid phone number for easy contact)



ATTESTATION
According to how you have been briefed earlier by me. You are required
and
mandated to receive payment on behalf of the above mentioned firm. You
are
to deduct 10% of all funds processed on a particular order and forward
the
balance payment via Western Union Money Transfer as I would be
instructing
you on receipt of my payments.
You will notify me a week ahead if eventually you want to discontinue
this
job so as to terminate all payment coming your way to avoid conflict.


In agreement to this kindly append signature below:



............................................................................
...................................
                              Bob  Freebury
                  CEO of Orchard Vale Trust




If you are interested, please email me back so we could make concluding

arrangements..

Thank You and God Bless.



Bob Freebury,
C E O
Orchard Vale Trust,
www.orchardvaletrust.org.uk
..........Building a better tomorrow. A member of the UK Registered
Charity 

The 10 Best Money Moves You Can Make

If you'd like to learn more about how to grow your net worth, you can subscribe to Free Money Finance's RSS feed for free by clicking this link.

I've been pondering (Yes, I used "pondering". I am, after all, getting older) what the 10 best money moves are, so I thought I'd take a stab at listing what I think are the top ten, then have everyone comment on them and adjust as needed. Note that these aren't listed in sequential order (which you would do first, second, etc.), but rather listed in order of importance (which has the biggest impact on your net worth).

Before we begin, I'd like to start with some perspective. There are plenty of things worth more than money (like your health, time, your mind, and your kids). So while this is an important list, there are things in life much more important. (Just adding some perspective there.) :-)

Now, here's my top money moves list:

1. Spend less than you earn. This alone is THE key to getting rich. Said another way, save a portion of all you make (To spend less than you earn, you may need to earn more or spend less.) By the way, doing this is the way to become the richest man in Babylon. ;-)

The keys to spending less than you earn are to create and review a financial plan including establishing a spending plan. There are three ways to track your spending. I prefer to use Quicken or Microsoft Money -- or a great budgeting alternative.

2. Increase your income. The best way to do this is to make the most of your career -- your most valuable financial asset -- which will offer you many financial benefits. You can make the most of it by getting a college degree and managing your career to its full potential. Doing this well can earn you millions of dollars in extra income throughout your lifetime. Then, look for additional ways to increase your income (and who knows, you might find a new business somewhere in here.)

3. Contribute to your 401k to get the full employer match. It's a no-brainer investment where you earn 50-100% return automatically (depending on your employer's plan/match). Where else can you get such a great return? (By the way, not doing this is one of the nastiest money habits I can think of.)

4. Get out of credit card debt. It's a great way to earn a 20% return on your money -- and relatively easy to do if you've done steps 1-3 already and have a bit of discipline.

5. Buy a house. Generally, homeowners get rich and renters stay poor -- and buying a house can make a big (positive) difference in your net worth. The key to making the most of this step financially is to follow a proven, successful formula for buying a house. Doing so will even protect you financially from the real estate cool down we're experiencing in the U.S. Better yet, once you buy a home, take some simple steps to increase its value.

6. Invest your savings regularly in good, solid investments. I like index funds. Do this for a long time, letting the power of time and compounding work for you. Simply doing this can make you rich. According to Smart Money magazine, simply putting money away into savings and then investing that money will net you over $1 million in 10 years (I think that's a bit high, but even if it's a quarter of that amount, it's a big number!)

7. Pay off all debt. You won't get as good a return on this debt as you will on your credit card debt, but you will get a guaranteed return (paying off a 9% loan is the same as earning a guaranteed 9% -- after taxes -- on an investment). Not bad. If you're diligent and have done enough of the preceding steps, you can pay off much of your debt in a year or less.

8. Save for retirement -- above and beyond the employer match to your 401k. I recommend the following saving steps: 1) save to get the full employer 401k match, 2) invest in a Roth IRA, then 3) max out your 401k. If you do this early and often, you can retire wealthy.

9. Protect what you have. This means obtaining adequate insurance and developing an estate plan (including writing a good will that works for you and names a guardian for your children).

10. Give. I know this might seem like a strange item to put on this list, but there's a power in giving that unlocks financial blessing in your life. And it's not that "wealthy people tend to give" but it's often that "giving people become wealthy." Easiest way to give? Put it into your budget just like any other "expense."

Maximizing Your Greatest Asset: Why Your Career is So Important

I've written a lot about the importance of managing your career and how it's your single-biggest asset (see Investing Versus Your Career and Experience versus Education: Which Counts More in Career Success? as examples). But I wanted to have one post where I listed the main reasons I think it's so important to your financial health, so here goes:

* It pays all your living expenses. Without it, you couldn't survive.

* It is the source of all of your investments -- retirement, college for your kids, and so on.

* It helps you acquire other big assets like your home and cars.

* In short, it's the source of everything you have financially -- unless you inherited a ton of money -- the source of your net worth. Even though spending less than you earn is the way to getting wealthy, you must have some income (and the higher the better) to spend less than. In other words, even a miser can't get rich spending less than he earns if his income is zero. ;-)

Now, let's discuss how important it is to manage your career well.

I ran a few numbers to compare the impact of managing your career (proactively taking efforts to advance your career and thus your income) versus not managing it. Here's what I did:

* I assumed that there were four college students who graduated at 22 and started with jobs making $25,000 a year each.

* I assumed that Graduate A didn't manage his career very well and only had a 3% average annual increase in income.

* I assumed Graduate B did an adequate job of managing his career and through pay increases, promotions, and job changes was able to increase his salary by 5% annually on average.

* I assumed Graduate C did a pretty good job of managing his career and was able to increase his salary by 7.5% annually on average.

* I assumed Graduate D did an excellent job of managing his career and was able to increase his salary by 10% annually on average.

Note: These are AVERAGE annual increases. In any given year, the amount could be higher or lower, but these are the averages.

So, where did each of these end up when they retired at 65? Here are the results:

* Graduate A ended up making $89,113 the year he turned 65. He earned $2,226,210 in his career.
* Graduate B ended up making $203,742 the year he turned 65. He earned $3,778,575 in his career.
* Graduate C ended up making $560,408 the year he turned 65. He earned $7,699,175 in his career.
* Graduate D ended up making $1,506,002 the year he turned 65. He earned $16,316,019 in his career.

Now before you say these are unrealistic numbers, consider the following:

* Numbers (percentage increases) higher than this can be achieved. I'm 18 years into my career, I'm right at a 10% average annual gain, and I'd only consider myself as having done a good (not excellent) job of managing my career.

* If the percentages throw you, just look at the differences. It's a BIG difference in just working to make an extra 2% per year -- not to mention if you can make 4% or more a year.

So, how can you do this? How can you manage your career to maximize your income?

Poverty to Prosperity

One of the greatest financial challenges people deal with is the simple concept that everyone can be well off, if not rich, by following simple, fundamental principles of money management. Most people actually believe the opposite: that the rich get richer, the poor get poorer, and there are only a few, lucky individuals who start life poor and end up financially sound.

I'll agree that the cases of people starting poor and ending rich are not that numerous, but it's not because some are lucky and most are not. No, it's because some are disciplined and most are not. For all but the most poor in the most desperate conditions, financial well being can be had in a lifetime as long as the person learns and applies solid financial principles. Unfortunately, these principles require perseverance, commitment, and the willingness to spend less than a person earns. For most people, this is simply asking too much.

I've already posted on the research which showed that the key to financial freedom is spending less than you earn over a long period of time. This is the way that people who've never earned more than $30,000 a year can retire rich (by following the principle) and how people earning $1 million a year can die broke (by not following it). That's really good news for all of us because cutting expenses/living below your means is much easier and more controllable than trying to increase your income.

However, once you generate excess cash by living below your means, you need to invest that surplus wisely to maximize its growth. That's where this piece from the Motley Fool comes in -- it shares the Fool's thoughts on how to go from poverty to prosperity by investing wisely. A few of their thoughts:

The fact is, you don't need a trust fund as large as Paris Hilton's to start securing your financial future, and you don't need an accountant's grasp of financial jargon to profit from the stock market. All you need is the willingness to begin and learn. A commitment to regular, small investments -- I'm talking as little as $50 or $100 a month, folks -- can be the start of a million-dollar retirement account.

Without question, the earlier you start, the easier it will be and the more money you'll actually accumulate. But if you're like me and put off investing until later in life, you still have the ability to achieve your goals. The idea is to start, but start now.

The article goes on to tell about the power of compounding and how you can use it to multiply your savings over and over again to turn your little savings into a massive portfolio.

So the path to prosperity is quite simple:

1. Spend less than you earn.

2. Invest your surplus to make your money grow.

3. Repeat steps 1 and 2 for many, many years.

Yes, it's that simple.

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 7

Increase thy ability to earn.

Here's what the book has to say on this last cure:

As a man perfecteth himself in his calling even so doth his ability to earn increase.

Yes, it said "perfecteth" and "doth." ;-)

The book continues a bit later on:

The more wisdom we know, the more we may earn. That man who seeks to learn more of his craft shall be richly rewarded.

The cure ends with this:

Thus the seventh and last remedy for a lean purse is to cultivate thy own powers, to study and become wiser, to become more skillful, to so act as to respect thyself.

Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 6

Insure a future income.

Here's what the book has to say about saving for retirement:

Therefore do I say that it behooves a man to make preparation for a suitable income in the days to come, when he is no longer young, and to make preparations for his family should he be no longer with them to comfort and support them.

Later it gives this similar advice:

The man who, because of his understanding of the laws of wealth, acquireth a growing surplus, should give thought to those future days. He should plan certain investments or provisions that may endure safely for many years, yet will be available when the time arrives which he has so wisely anticipated.

And finally, it recognizes that everyone needs to plan for retirement:

No man can afford not to insure a treasure for his old age and the protection of his family, no matter how prosperous his business and investments may be.

So what are the practical applications today of what this cure is saying? I'd list the following:

1. Plan for retirement by setting your retirement number. Retirement is more expensive than most of us think it is, so take the time to figure out what you need to save for retirement. This will help you avoid major retirement mistakes and make sure your retirement savings outlasts you. A key part of this, of course, is figuring out your 401k -- deciding how much goes in your 401k and, at a minimum, contributing enough to at least get the full employer match. If that doesn't work, consider tricking yourself into saving. Doing this, you may even be able to retire early.

2. Don't forget about updating/writing your will. There are many benefits of having a will (including naming a guardian for your kids) and a simple, effective will is rather easy to draw up.
Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 5

Make of thy dwelling a profitable investment.

Yes, before David Bach and The Automatic Millionaire Homeowner there was The Richest Man in Babylon, giving advice on how a home can make you wealthy.

The book goes on a bit about how every man needs to enjoy his own property as does his wife and family. It talks a bit about putting down a good-sized downpayment and paying off the lender quickly. Then, it ends with this:

Thus come many blessings to the man who owneth his own house. And greatly will it reduce his cost of living, making available more of his earnings for pleasures and the gratification of his desires. This, then, is the fifth cure for a lean purse: Own thy own home.

Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 4

Guard thy treasures from loss.

The first part of the book's advice centers on protection of your principal:

The first sound principle of investment is security for thy principal. Is it wise to be intrigued by larger earnings when thy principal may be lost? I say not.

In other words, you want a decent return, but you don't need to push it so much that your principal is greatly at risk. Now any investment has some sort of risk, but what they're talking about is undue risk that could cost you a decent portion of your money. It's just not worth the risk.

The book ends this cure with the following:

This, then, is the fourth cure for a lean purse, and of great importance if it prevent thy purse from being emptied once it has become well filled. Guard thy treasure from loss by investing only where thy principal is safe, where it may be reclaimed if desirable, and where thou will not fail to collect a fair rental. Consult with wise men. Secure the advice of those experienced in the profitable handling of gold. Let their wisdom protect thy treasure from unsafe investments.
Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 3

Make thy gold multiply.

This is the cure that focuses on investing and, in particular, making sure the money you earn on your investments starts earning money itself. Here's what the book has to say:

I tell you, my students, a man's wealth is not in the coins he carries in his purse; it is in the income he buildeth, the golden stream that continually floweth into his purse and keepeth it always bulging. That is what every man desireth. That is what thou, each one of thee desireth; an income that continueth to come whether thou work or travel.

In other words, work to make your money a renewable source -- something that itself generates a good income.

The book continues:

Behold, from my humble earnings I had begotton a hoard of golden slaves, each laboring and earning more gold. As they labored for me, so their children also labored and their children's children until great was the income from their combined efforts.

Quite simply: save and invest your money (from the portion of your salary you keep for yourself) and then let time and the power of compounding take over to make you rich.
Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse Part 2

In the third chapter of The Richest Man in Babylon the book lists and details "seven cures for a lean purse." Today, we'll cover cure #2 which is:

Control thy expenditures.

As you might imagine, I love this cure! ;-)

The book starts this cure by addressing the objection that everyone always brings up first when it's suggested that they spend less than they earn and save a part of everything they make:

How can a man keep one-tenth of all he earns in his purse when all the coins he earns are not enough for his necessary expenses?

Here's the answer the book gives -- which I agree with 100%:

Now I will tell thee an unusual truth about men and sons of men. It is this: That what each of us calls our "necessary expenses" will always grow to equal our incomes unless we protest to the contrary.

That's right. It always seems that outgoes equal (or surpass!) incomes -- no matter how much the incomes grow. I've helped people who have made $20,000 a year and others who've made $150,000 and the problem is the same: their "necessary expenses" exceed their incomes.

The book goes on:

Confuse not the necessary expenses with thy desires. Each of you, together with your good families, have more desires than your earnings can gratify. Therefore are thy earnings spent to gratify these desires insofar as they go. Still thou retainest many ungratified desires.

Let's face it, most of us will still want "more" no matter how much we earn. So at some point you need to control your spending -- why not now?

This cure ends with the following advice:

Budget then thy necessary expenses. Touch not the one-tenth that is fattening thy purse. Let this be thy great desire that is being fulfilled. Keep working with thy budget, keep adjusting it to help thee. Make it thy first assistant in defending thy fattening purse.

Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

The Richest Man in Babylon: Seven Cures for a Lean Purse, Part 1

In the third chapter of The Richest Man in Babylon the book lists and details "seven cures for a lean purse." I'd like to share those with you over the next week and add my comments to the already great insights this book provides.

Cure #1 of the seven cures for a lean purse is:

Start thy purse to fattening.

Here's how the book summarizes this cure:

For every ten coins thou placest within thy purse take out for use but nine. Thy purse will start to fatten at once and its increasing weight will feel good in thy hand and bring satisfaction to thy soul.

In other words, save 10% of what you make. In order to do this, you need to spend less than you earn (save a portion of all you make as The Richest Man in Babylon states it). I've found that much of America has this backwards -- they spend ten coins for ev

ery nine they make. ;-)

The book goes on to highlight an associated principle that I've found to be true in my own life:

Now I will tell a strange truth, the reason for which I know not. When I ceased to pay out more than nine-tenths of my earnings, I managed to get along just as well. I was not shorter than before.

All you really need to do is separate needs versus wants versus desires. When you desire to have a high net worth, you spend on your needs and SOME of your wants. Other wants go by the wayside and, quite honestly, aren't that important to you -- you really don't "feel" the impact of not buying them. Why? Because you desire (want more) your financial independence.

The Richest Man in Babylon hits this issue of needs versus wants versus desires in the next paragraph:

Which desirest thou the most? Is it gratification of thy desires of each day, a jewel, a bit of finery, better raiment, more food; things quickly gone and forgotten? Or is it substantial belongings, gold, lands, herds, merchandise, income-bringing investments? The coins thou takest from thy purse bring the first. The coins thou leavest within it will bring the latter.

So, which do you want more -- purchases today that will be gone tomorrow or to store your treasure to grow you net worth? If you choose the latter and can follow through with that decision, it really is easy to become rich.

Read more summary of this book

• Chapter 1


• Chapter 2


• Chapter 3


• Chapter 4


• Chapter 5


• Chapter 6


• Chapter 7

AlertPay CEO Blasts E-Gold

In a recent interview on NoBS Hyip Blog ¹, Alertpay CEO Firoz Patel blasted the founders of E-Gold.

Do you have any views on the recent Egold indictment case? Yes actually. Egold brought this upon themselves. With their lax rules and controls, their system was being used for all kinds of fraud and money laundering. I think that Egold should be split up into 2 entities. One for the issuance of Egold as ecurrency and the other to control the transfers and transactions. If they cannot do that, then there is no point in having Egold anymore. The rules on the international marketplace are changing greatly. There needs to be controls in place to stop thieves and criminals from using these services. Also there must be controls in place for thieves to be frozen or punished when a complaint is given to Egold. Since they don’t care about what happens with the Egold, some legitimate people get fraud monies, but many illegitimate merchants are able to get away with murder (figure of speech). We have lost money as well in the process, but we have never allowed that to affect our members.

I find this response rather callous and ignorant especially considering Alertpay emerged in 2005 and has existed to serve the autosurf community which is intrinsicly ponzi and pyramid schemes. I’ve yet to see any real, legitimate businesses using Alertpay as a processor. The first time I remember Alertpay surfacing was in the now defunct ponzi scheme / autosurf AlertPayPro. It seems every other ponzi surf program and some hyip’s are using Alertpay as a payment option.

What is Alertpay?
Alertpay is a payment processor or money transmitter that is based in Montreal Canada. Alertpay is *not* a DGC (Digital Gold Currency) and their funds are not backed by gold. Alertpay is not licensed to do business in the United States. This information was also revealed in the NoBS interview with Mr. Patel (as evidenced below).

As for what happened to EMOCorp and any others, these companies had to be licensed since they were located in the US doing business in their own state as well. AlertPay will need to get licensed in every US state that requires it, but for now, we do not need to for 2 reasons. 1. Either it is not required since we are not located in the US and/or 2. We are not doing enough business in the particular state and there are minimums before even applying for a license. For now we are compliant with Fincen (in USA) and Fintrac (in Canada) which governs and regulates money laundering and suspicious transactions.

It is worthy to note that Alertpay actually does come into compliance with Fincen and Fintrac policies for “Ascertaining Identification” and “Record Keeping” because Alertpay does require verification before large amounts of money can be transferred through their system. It is also worthy to note that Alertpay has an impeccable and exemplary record with the BBB (Better Business Bureau)² much as E-Gold and unlike Paypal. Alertpay is also extremely transparent and has phone numbers and address published within one click of the landing page on their website. As an Alertpay account holder, I had to call their support one time and the phone was answered by a very professional support person who effectively handled my situation in a few minutes.

Regarding the necessity of Alertpay to become licensed in the United States (in all 50 states) as a money transmitter, a quick glance at Paypal’s BBB³ record reveals that payment processor (Paypal) which is almost 10 years old is only licensed in 8 states as of July 2007.

Quite possibly, Alertpay has the design an implementation to make it a competitor to the giant Paypal in the payment processor field but comparing Alertpay to E-Gold is not unlike comparing apples to oranges.

Sources:

¹ http://hyipblog.nobshyip.net/2007/06/29/interview-with-alertpay-ceo-firoz-patel/
² http://www.bbb-bec.com/main.cfm?p=421&l=en&CategorieID=291&MembreID=855&page=1
² http://www.bbbsilicon.org/commonreport.html?bid=210387

Update on DGC Exchangers - The Reliable List

Considering the recent events surrounding E-Gold and the panic of E-gold account holders trying to liquidate their accounts, we spent some time researching a few of the DGC (Digital Gold Currency) Exchangers and their status.

Omnipay - (http://www.omnipay.com) Omnipay is GS&R’s (the parent company of E-Gold) exchanger. We made an out-exchange on 5/2/2007 and the money was wired safely into our Bank of America account on 5/7/2007. Please note, that is two business days, as the request was made on Thursday of last week and honoured on Monday of this week. Thanks to Omnipay for the very prompt service as usual.

AnyGoldNow - (http://www.anygoldnow.com) AnyGoldNow is a DGC exchanger, we tried them on an exchange of E-gold to E-Bullion and they honoured the exchange in under 6 hours. The exchange was made around midnight GMT -5 on Saturday, May 5. Once again, hats off to AnyGoldNow for the prompt and courteous service.

GoldEx - (http://www.goldex.net) GoldEx is one of the more popular DGC exchangers and offers a debit card solution for account holders. Currently they are one of the fastest exchangers and they are extremely prompt in shipping the debit cards. Their customer service is impeccable and they will work with you if you are honest and provide valid contact details. They don’t like to do business with scammers, so if you have shady gold you would like to move through them, and you want to do it anonymously, then their service is not for you. Thanks a million to Marco at GoldEx for running such a honourable service for us E-gold and other DGC account holders who have legit funds to process.

At this time of writing it appears IceGold and TheBullionExchange are also back in business after the E-Gold events. We haven’t heard any information on the status of 1MDC but it appears they are still out of business.

We’d like to urge everyone to exercise caution when working with any new exchangers that might pop up in the midst of this US government cause crisis as there are many shady people out there who will be more than happy to take advantage of people in dire circumstances. Again, we have listed the three most reliable exchangers in our opinion, however, as stated above, be prepared to validate your account with these reputable businesses and if your a scammer, find someplace else to launder your dirty funds.

E-Gold Indictment - US Citizens - Write your State Representative

We’re urging all US citizens to write their Congressional Representative regarding the US department of Justice’s harassment of E-Gold and it’s founders.

You can find your district’s representative here…

http://www.house.gov/writerep

If you are an E-gold member who does not reside in the US, I suggest you contact the Honorable Eleanor Holmes Norton who is the Congresswoman for the District of Columbia where the indictment was handed down. The link to her contact page is below.

http://www.norton.house.gov/forms/contact.html

Here is a Sample Letter:

Dear Honorable (Representative Name Here)I am writing to express my concern regarding the recent four-count indictment, handed down on April 24, 2007, by the Department of Justice against E-Gold Ltd; Gold & Silver Reserve, Inc.; and their owners Dr. Douglas L. Jackson, of Satellite Beach, Fla.; Reid A. Jackson, of Melbourne, Fla.; and Barry K. Downey, of Woodbine, Md. The link to the indictment can be viewd here : http://www.usdoj.gov/opa/pr/2007/April/07_crm_301.html I’m writing to express my concern as an E-Gold customer who feels the allegations versus the defendants are an unfair, unfounded and a general harassment of the indicted defendants. I am additionally concerned that the time, effort and overall cost of funding this investigation and subsequent legal actions are a tragic waste of taxpayers dollars. Many individuals worldwide choose E-gold as a convenient alternative to Paypal as a payment option for online services and goods due to Paypal’s policy of randomly freezing accounts and unlawfully siezing customers funds. Regarding the Virginia Tech massacre, Seung-Hui Cho purchased empty ammunition clips and a gun holster on Ebay using Paypal. Paypal’s BBB rating is dispicable in comparison to Gold & Silver Reserve (the parent company of E-Gold), however, the US-DOJ has not made similar indictments versus Payapl and Ebay even though it is common knowledge that more fraud occurs within the E-Bay/Paypal system than any other. As a loyal American citizen, I would rather see my taxpayer dollars used to adequately equip our troops in Iraq, educate our children and protect the my fellow citizens against acts of terrorism instead of wasting those resources on frivilous acts such as this indictment. For the record, Gold & Silver Reserve has also co-operated at every turn with the FBI. Thank you for your prompt attention to this matter. Sincerely (your name here)

12by12Daily and The-Money-Road E-Gold Accounts Get Blocked

We’d gotten a little tired of waiting for scammer and thief autosurf admin Dave Cannard from Australia to honour our 7/24 cashout request, especially seeing as our mandatory second active upgrade had just expired and there was no way we were going to recover out initial upgrade unless we put more money in. Not being one to cut our losses without some retalliation, we reported 12By12Daily’s actions (or lack thereof) to E-Gold’s fraud and abuse department and their account has been blocked. We also reported scammer surf The-Money-Road for non-payment as well.

While many of you autosurfers remain apathetic to scammer admins, at Code4Gold we do something about it, and as for Mr. Cannard and 12by12Daily, we are also part of a group filing complaints with the Australian government regarding his unsavory actions.

Dave, Thank you for bringing this matter to our attention. We have investigated acct #3390167 & 3338418 and have placed a block on their account which will prevent them from receiving any further spends into their account. Unfortunately we will not be able to refund your money because an e-gold spend is not reversible as stated in the e-gold account user at http://www.e-gold.com/unsecure/e-g-agree.htm. For more information on High Yield Investments you may want to visit http://members.impulse.net/~thebob/Pyramid.html. Regards, e-gold Abuse

It’s not over for us with Dave Cannard and his sites DadnDaves & 12By12Daily. We’ve only begun to fight this menace.

Seeing this message when trying to make a spend to Cannard’s e-gold is priceless…

Cannot preview spend, the error is: Incoming Spends Blocked on Recipient e-gold Account 3390167. A Block has been applied to e-gold Account 3390167 (12by12daily). No payment can be made to this account while a block is in place. If you have any questions regarding this block, please direct them to your intended counterparty rather than to e-gold.com. Please note that this message does *not* imply that your account is blocked.

Priceless. One more excuse for scammer Cannard to use

It Gets Even More Pathetic : 15HitsDaily

Just when you thought the situation at 15DailyPro, I mean 15HitsDaily, had descended into the pits of nonsense, admin “Bob” has unleashed new provocative information leading us to believe this admin’s parents or gandparents must have taken the Brown Acid at Woodstock, because it is unfathomable to think a normal human being would expect anybody to believe the bullsht he is spewing via email to autosurf members.

Here are Bob’s latest 4 emails…

Here the hacker contacts him and offers an apology
This is an email I received today Just thought I would share it with you.
———————————————————————————————-

I’m one of the hackers that put a mess yesterday and I want to repare what happend…

I thought Bob that you were a scammer so I decided to take the money for me so plz if you have MSN or skype send me I have all the accounts names that I edited !!!

Thanks in advance and it’s really your personal choice .

So PLZ let me correct my fault .

Yours faithfully

Ayman.

Oh, look, Bob has identified the hacker on MoneyMakerGroup.
ALL MEMBERS,

I am in the process of editing accounts. I am going to deny all cashout request untill tomorrow.

I am getting a great # of emails saying that there accounts are not right and the payout information is wrong. I would request all members to check there profiles and correct any information that is not accurate.

I was on the MMG forum and saw a conversation between the hacker and a member that led to this security breach.

Members, Please be careful with your information.

I will keep you posted as updates come in.

Thanks,
Bob

A little late there, Bob, last email you had already identified the hacker.
All members, the hackers have infiltrated our website. He is in there now, I have backed up the database and deleting the website and taking it down temporarily. stay tuned and calm for more details. This is for your protection and I would not worry.

Sincerely
Bob

Oh, Dear, foolish little pathetic Bob, Do you really think that we believe the FBI has launched an investigation into a hacker and an autosurf. What did you tell them when you reported the hacker “Hello, I’m Bob, admin of a scammer autosurf and I have hackers, go get them boys…lol freaking lol, you crack me up Bobbie
Stay tuned for more information, The federal bureau of Investigation division of Internet fraud and scams (ie. Hackers) are investigating this matter throughly,

I thank you

Bob

I know there is a surf called “Genetic Surf” (which happens to be paying), but this guy should have named his surf “Genetic Defect” surf bcause this guy is operation a few eggs short of a half dozen. Just for his information, does poor little Bobbie know it is a crime to falsify claims that the FBI is investigating a case? For his sake I have tagged the keywords FBI and Federal Bureau of Investigation in case anybody from the feds likes to peruse Technorati.

Scam Warning - www.egoldspinner.com

Warning : 4/08/2006
Watch out, supposedly this Hyip pays 400% in 5 days with daily payouts, and wants $50 minimum investment but does not payout on weekends…and topic was just launched on MMG April 4. That gives them 6 days to gather funds from suckers. Also beware of any site claiming conference room - Admin Laura was doing the same thing with Hyip-InvestmentGroup.com - Conference is only like statistics and meant to prove what admin wants to prove. You have no real proof of anything except if you use your logic and realize nobody on earth is going to hand anybody 400% profits in 5 days and pay daily. This program has lasted the first few days because the admins planned it that way, take investments Wed, Thurs and Friday, do a few payouts to get people hyping the program, lock investments for the weekend, then return Monday and possibly make payment for a few days before disappearing as soon as the admins see the investments are starting to cool down.

See the information on the domain. It is registered through ‘Katz Global’ which is a red flag to begin with, and the website is located on the same server as 47 other websites which means 46 other accounts could hack or attack the website. Excuses for days here when admin decides to run.
Katz Global Domain Name Trust
Privacy Protected Domain Katz Global Domain Name Trust
32 Maxwell Road #03-07
Singapore, SC, sg 069115
P: +65.67228356 F: +65.67258021SSL Cert: www.bullionboom.com expires in 317 days
Reverse IP: Web server hosts 47 websites
IP Address: 72.18.133.147 (ARIN & RIPE IP search)
IP Location: - Colorado - Loveland - Wehostwebsites.com
Name Server: NS1.ULTRADNSZONE.COM

Forex Trading Scams

The Forex market is one of the largest worldwide trading markets and is one of the most popular for scammers to exploit innocent and niave victims. Combined with the anonymity of the internet, many con artists and criminals have found it easy to steal large sums of money from investors using the guise of Forex trading as a sales pitch for a scam or ponzi scheme. In an effort to enlighten anybody who stumbles across this blog, I’m going to give some basics on preventing yourself from being a victim of fraud by way of Forex Trading.

What is Forex Trading?

Forex is the act of trading of foreign currencies. Much as on the stock market, an investor will buy and sell a stock to make a profit or cut a loss, the Foreign Exchange (or FX market) is similar except you are not trading stocks, you are trading actual foreign currency. Various economic conditions create a leverage value between currencies of various countries allowing Forex traders to buy and sell currencies and make a profit. Forex is an extremely volatile market and the profit margins are very small compared to the amount of money necessary to make a profit. Unfortunately, the Forex market has always been the bread and butter for scammers who are out there looking for inexperienced people to sucker into their schemes and rip them off.

How Do I Spot a Forex Scam?

If a person, website or program you are dealing claims to be trading Forex to pay back guaranteed unreasonable rates any higher than a few percent per week, it is more than likely you’re looking at a Forex scam. Especially is they use the word “guaranteed”, run away and save your money. Nothing in the investment world is “guaranteed” and the only guarantee is that you will be ripped off in the end, usually after you have been baited into investing more money than you could afford to lose.

If you are dealing with an autosurf program that claims to be trading Forex to pay you returns, again, it is a scam and you will eventually be left holding the bag. Over the last few years, autosurfs such as Surf2Prosperity, DadnDaves, PhoenixSurf and many others have run with millions of dollars of investors money based on claims that the “admins” of these programs were expert Forex traders capable of sustaining daily profits of up to 12%. Simple math will clue you into the fact that anybody who could trade Forex at a 12% per day profit margin could eventually destabilize the world economy with a few years given the initial capital. Imagine if an imaginary trader named Lee Smith or Dave Cannard had $1 million in investors money to trade with, at the rate of 12% per day, that person would be making $120,000 per day profits. Actually, think again, after day 1, the trader whould have $1,120,000 to trade with and the second days profit would be $134,400, giving the trader $1,254,400 on day 3 where the profits would be $150,528. It’s easy to see how quickly at this rate that our expert trader would be into the billions of dollars within 62 days. I made this imaginary Interest Calculator that demonstrates exactly how ridiculous these type of claims are for those of you who are not mathematically inclined.

Once again, you can apply the old adage, if it looks to good to be true, it is.

Forex Signals and Forex Trading Systems

Maybe you’ve seen all the offers for Forex Signals and Forex Trading Systems littered about the internet. Probably you’ve noticed the hefty proce commanded for these training materials and maybe you’ve even thought about buying them. Well, save your money. One of the biggest myths in the Forex market is “signals”, which are essentially buy and sell points that will supposedly guarantee you a profit in the Forex market but more often than not, they will be bogus and cost you not only the price of the signal, they will cost you your investment. Not all companies offering Forex Signals are inaccurate, there are legit sources for signals out there but unless you’re hanging around where the real traders ply their trade it’s highly unlikely a novice will ever get a valid signal. As for Forex Trading Systems, all you have to do is use logic and realize that if somebody actually had a system that guaranteed them continual profit, do you really think they would be marketing it to strangers on the internet? Professional Forex traders are not likely to give up there secrets for a few hundred dollars because if everybody were using the same system, if there was a system that worked, the whole world would be billionaires like Warren Buffet. in fact, if there were a system that worked, don’t you think Warren Buffet or George Soros wouldn’t go out of their way to obtain the exclusive rights to it ?

If you are interested in learning to trade Forex and think you might have an aptitude and the intestinal fortitude for it, there are many freely avaliable sources that you can start the learning process. There are several good sources to get you started learning about Forex listed here.

Another One Bites the Dust

this has been an interesting week in the autosurf community. There was the emergence of a few new autosurfs, but there were several surfs that had been running for over a month that went bust. This weeks casualties worth mentioning were…

BattleSurf (SCAM) - Just disappeared, no response from admin, everyone left hanging

theDollarDoubler (Problems) - Admin is actually still in contact on forums claiming new site will be up soon.

OzSurf (Closed) - Admin is supposedly making refunds.

Max-Surf (SCAM) - The biggest scam in autosurfs ever. Should be shut down already.

There’s Gold in Them Thar Hills!

History Lesson
Today we’ll go back a little further in history than yesterday’s post and look at the history of Gold in the United States. Let’s go back to 1849 and discovery of Gold in California which led to the Gold Rush. By 1856 the United States government had acquired 174 million acres of Native American lands through 52 treaties all of which were subsequently broken by US Government in their lustful pursuit of the precious metal. Along the way, countless Native Americans fell victim to numerous smallpox epidemics that decimated the western tribes. Though it is fact or fiction, there has been much debate over the US Government giving smallpox infected blankets to the Native American tribes which allowed US Department of Indian Affairs Act to redefine the Indian Territory and granted the US Army the right to quarantine Native Americans infected with the disease, essentially putting them into death camps.

By 1863 the Bozeman Trail is blazed to gold mines in Montana and Wyoming which was once Native American land and war breaks out between the US Army and the Teton Sioux led by Red Cloud. In 1868 the US Army abandons forts all along Bozeman Trail and the Treaty of Fort Laramie defining the Great Sioux Reservation is signed. That doesn’t stop the spread of the gold lust when rumors of gold being found in the Black Hills of South Dakota, considered Indian Territory, starts yet another encroachment by the US Government into Native American territory belonging to the Lakota, Santee and Yankton tribes. In 1876 General George A. Custer is defeated and killed at the Battle of Little Bighorn by Crazy Horse and his band of freedom fighters.

sidenote:,
The influential American punk band The Minutemen openly questioned the valor and dignity of Custer on the title track of their 1981 album The Punch Line: “I believe when they found the body of General George A. Custer/Quilled like a porcupine with Indian arrows/He didn’t die with any honor, dignity, or valor/I believe when they found the body of George A. Custer/American general, patriot, and Indian fighter/That he died with shit in his pants.”

What did Custer really die for? Perhaps it might be the plundering of over $18 Billion of Sioux gold, silver and other natural resources from the Black Hills of South Dakota. As a final epitath to the Native American people, the US Congress authorized the Mount Rushmore National Memorial Commission on March 3, 1925 on land that once was part of the sacred route that Lakota leader Black Elk took in a spiritual journeyn. The Lakota Sioux had known Mount Rushmore as Six Grandfathers until it was renamed by a New York lawyer, Charles E. Rushmore (how quaint).

So What Does This Have to Do With Today?
Unfortunately, in the year 2007, the US government is still in the act of seizing gold that belongs to other people. Once again, a pack of lies, myths, misconceptions and misleading allegations are being levied to excuse this territorial possessive act. By now, any regular reader of my blog should know I’m talking about the US DOJ seizing the E-Gold accounts of the larger exchangers and Omnipay’s own account. Now, if you read my post yesterday about the historical price of gold as related to significant turbulence in world affairs and are watching events transpire in Iraq and now Iran coming into the scene, you might be piecing the puzzle together and asking yourself, “What was actually seized?” as far as assets of those indicted DGC exchangers? Was it USD equivalent of the amount of gold held in those accounts at that particular moment at the time of seizure or was it the actual grams of gold themselves, subject to rise and fall accordingly to the gold futures market ? A market that can be jolted by foreign affairs as we’ve already seen in yesterdays post.

To get the approval of the American public for their actions carried out against the Native Americans in pursuit of gold, the US government used the media of the time to create “widespread panic” that the Native Americans were savages who scalped white people, that the Native Americans were disease carrying (smallpox) and other propaganda. Similar propaganda that stirs the American public today might be “child pornography”, “credit card fraud”, and such. Do you get my point ? Considering Paypal is probably the most widely used money transmitter on the Internet and almost certainly similar accusations could be levied against the founders of Paypal, the cold, hard truth is that Paypal is not backed by squat. Paypal is not even FDIC insured, they use third party FDIC insurance and/or pass-through. Additionally, Paypal is only licensed as a “money transmitter” in eight US states (go look it up on BBB.org). Your money in Paypal is not even worth numbers on a piece of paper. If there were to be some sort of economic collapse, any funds in Paypal would be insecure while any funds held in a DGC, that are backed by gold would more than likely increase in value.

There’s no gold in thar there hills of Paypal but the Great Gold Rush of 2007 has just begun. All Digital Gold account holders, just remember, don’t take any “free blankets” from the US Government.

Bob Krimm Headed for a Nervous Breakdown

This was posted on ASA forum on Jun 21 2007, 02:56 AM by 15HitsDaily-Admin aka Bob Krimm… I missed it initially because I was on vacation in Ft. Lauderdale for my birthday from the 21st until the 24th…
Lets address this on a different level shall we?

First of all, I know that all of you are used to scammers and thieves, I understand this!

This is the reason I started 15hitsdaily in the first place. I too lost money in the auto surf world and just as you got sick and tired of being scammed. I know no matter what I say people will think I’m a scammer. But I will be presenting all the evidence of fraud and thievery to you on my new site http://watchbobkrimm.com very soon.

We are still going through accounts and putting together files on all members. As well as files on the cheaters and scammers so we can pursue criminal charges against those who have stolen funds from us. This would include our dear friend Gerry Simoni. The biggest snake in the grass that has walked this planet since Adam and Eve. Mr. Simonis news broadcast will backfire on him when I present ABC 7 News with his MULTIPLE accounts being run from the same IP address. Not to mention the fact he signed up his under aged children in my programs and then referred then under himself which I told him not to do. AND YES GERRY, YOU WILL BE THE FIRST PIECE OF GARBAGE I COME AFTER!

As for the rest of the scammers, I will post there accounts online as soon as my attorneys give me the okee dokee. Now, Let me ask you good people a few questions and please, don’t reply until you have thought it through completely.

#1 If I was a scammer would I have my real name on the internet?
#2 If I was a scammer would I have put my face on the internet?
#3 If I was a scammer would I have given my home address on the internet?

The only thing I am guilty of is being to damn transparent and putting my real identity and my families identities on the internet. Of course, If I really wanted to rip anyone off, all I had to do is what Gerry Simoni did and that is be the admin for other surf sites and rip people off from a distance. Oh, and lets not forget Charlie Perkins. He currently runs a few sites that no one knows about.

The bottom line is this, I am not going away, Period! I fully intend on finishing what I started. And as for you Jakey boy, if you delete this post you will only show these fine people, your true colors. And besides I took screen shots. So, if you do delete it, don’t worry it will show up in other places. Oh, and by the way Jake, if you get a knock at your door, just open it with your hand out and ready to receive your subpoena. Yeah, see, I know what you’ve been up to, You may want to stay low key for a while. At least until I’m done shredding Somoni.

Hey Simoni, just in case you haven’t noticed, I’m still not in prison. Yeah, see Gerry, prison is for scum like you. I’ve done nothing wrong, but unfortunately for you, only law breakers go to prison. Gee Gerry, I hope you did your taxes correctly this year! because I’m giving my databases to the FBI. You see Gerry, You MORON! I have files on EVERY single member and yes I have a CPA taking care of my business. Gerry if you were any dumber you would be institutionalized. Do you honestly believe I would have formed 5 corporations and not file my taxes? Do you really think I would purchase a hedge fund and not make sure my bases were covered with the SEC & the FTC.

As for the rest of you, you will soon see just how big Tri-Star Media has become. You may want to go to http://watchbobkrimm.com and get a little teaser. By the way, we are planning on contacting the SEC to review our business model and give us the grand approval. I discovered the key is to let free members make money too.

Say what you will about me people, but you may want to keep an open mind. I’m not a stupid man. I will win this fight, and I’m going to take my loyal followers with me. For those of you who shall remain nameless, You screwed yourselves, you knew what I was all about and you knew I was honest, but you still turned your backs on me, and why? Because I wouldn’t give you your money before I refunded the rest of the people. You’ll be sorry you didn’t stay with me. I can promise you that.

Robert Krimm

It seems like Bob Krimm is finally feeling the walls starting to close in around him and his scam empire. I hardly could even believe that somebody who would write such a childish letter on a public forum, let alone ASA (the home of scammers), would even be considered somebody to trust with money for an investment. Unfortunately, I have been warning people for over one year now on this blog regarding Bob Krimm and his intentions, and perhaps if some people had listened to me, they would have not lost money to this thief in his Ponzi Schemes.

New Hyip Program From TalkGold Moderator Pluggy

I just received this email a few minutes ago announcing a new hyip program from Talkgold moderatory Pluggy…
Pluggy Hyip - http://www.pluggyhyip.com

First I will introduce myself. Most of you by this point have probably heard of me. My pseudonym is Pluggy and I am a moderator at Talkgold. My real name is Steven Taylforth and I am from Barnoldwick, Lancashire in North West England. I am 49 and I work as an IT Technician in Ribblesdale School in the nearby town of Clitheroe. Interests are computers,Church work,my family and eating !

Today I am launching a project that I have been working on for quite some time now. It is called Pluggy HYIP and it is a new concept. I am accepting deposits from investors by e-gold and e-bullion and paying very rapid returns. Pluggy HYIP pays 105% in only one day.

That is pretty much all I have to say. All other information can be found on the website. If you have any questions, post them here or send me a message.

The site: http://www.pluggyhyip.com

Looks pretty interesting…

And the Winner is …. Please-Invest.com

You might be wondering what the heck this article’s title means, but ask yourself the question “What is/was the biggest scam of 2007 so far”, and then re-read the title. Well, it’s been over a week since hyip program Please-Invest has stopped paying members, and despite a boatload of excuses by the admin on Talkgold forums, we’ve still yet to see any valid evidence that the program is anything more than a huge ponzi scam. To make matters worse, most scammers shut down shop and run away once they’ve got their scamming hands on the money, but Please-Invest admin is a different breed. The website is still functioning and still taking deposits to E-Gold account #4438313. Talk about a real lowlife.

Now, ask yourself, who was the biggest winner in the Please-Invest scam ? That award would belong to Brian and his crew at TalkGold forums. Their impressive rake of 3 months banner advertising at $8699.00 per month is a whopping $26,097, lest we forget the $275 that Brian and TalkGold raked from their site Guaranteedhyips.com and advertising on their other sites. Congratulations to Brian and crew, they just made profit from a scam than the average Walmart worker makes in a year working 40 hours per week.

Fake Name Generator - The Secret is Out

I’ve finally figured out where all the scammers go to create those fake names you see in their whois domain registration details. Here’s a site that will generate fake name and address in a variety of countries, languages and in male or female gender (great for all those cross dressing scammers like Jack Cobb and Lee Smith). Not only that, it will generate fake social security number for US residents, or Visa number for Non-US, it even generates a mother’s maiden name !!! Check it out, it’s pretty funny…

Fake Name Generator

I chose to be a male, of Slovenian heritage living in Denmark and this is what it gave me…

Andrew Loparnik Lundevænget 95 1324 København K Email Address: Andrew.Loparnik@mailinator.com Mother’s maiden name: Jurišić Birthday: April 12, 1949 MasterCard: 5201 0501 9986 3789 Expires: 6/2010

I’ve always dreamed of being a French female living in Switzerland, don’t ask me why, it’s just a little fantasy but the amazing Fake Name Generator gave me the identity I’ve always imagined.

Daisi Turcotte Obere Bahnhofstrasse 65 5454 Bellikon Email Address: Daisi.Turcotte@trashymail.com Mother’s maiden name: Lacasse Birthday: October 19, 1942 Visa: 4716 5789 7432 1525 Expires: 7/2008

Too cool !!!! Have fun with it !!!

MoneyMakerGroup

MoneyMakerGroup.com forums and their slack mods who ignore obvious scams hoping to get some advertising dollars from them. Speak out against a scam, or a repeat scammer on MMG and you can guarantee the owners Jason and Jacob (who are mid-20’s video gam playing kids with no clue) will give you a warning or ban you from their forums. Freedom of Speech is non-existent at MMG, all they care about is if you are using light profanity or “personal attacks”, but in my humble opinion, people who are victims of fraud perpetrated by the denizens who inhabit this scammer heaven have every right to speak out against the people who have ripped them off. In the past, numerous MMG mods have vacated their positions at MMG to launch their own ponzi schemes, including but not limitied to ex-mod “TheMobileHookup” who launched a ponzi based payment processor and their newest departing mod, xxRealNinjaxx (real name Kristopher Payne) who utilized his weight at MMG to lure people into a bunk investment into a tattoo shop he planned to open in Las Vegas.

In my opinions it’s pretty disrespectable of these forum owners to allow their friends to carry out fraud on the unsuspecting members who find credibility in the e-mods position on the forum. If you “stumbleupon” MMG’s profile, you’ll see 100% of the comentors label MMG as a scammers forum, but again, these 20- something videogame addictted forum owners really don’t give a crap if people are ripped off as long as they are making money and can afford flat screen TV’s to play their XBox or Playstations on. It’s a question of “ethics” and the ethics are certainly lacking along with a general apathetic ideal towards standing up for what it right.

Any comments are welcome…

SCAM WARNING : My Financial Plan Program - www.mfppro.com

Today has been a busy day for this blog, but here’s one more post that we believe is absolutely essential to get out to everyone in the autosurf arena before it’s too late.

We’re actively warning people against potential fraud by joining and placing funds in “My Financial Plan Program” (www.mfppro.com). This site is suspected to be operated by well known Malaysian scam artist Muhd Azrainuddin bin Zainal (aka George Blohm) who was responsible for the scam autosurf PhoenixTraffic and hyip PhoenixVest.

The program has all of his usual hallmarks :

- Claiming to be a real, legitemate investment with outside revenus streams
- Large aggressive advertising campaign on the well know forums (TalkGold, MoneyMakerGroup)
- Based out of Malaysia with servers hosted at FDC Servers.net in Chicago
- Hidden Domain Registration through RegisterFly

If you have noticed, they haven’t added any monitor programs which is another hallmark of Muhd’s style, as he is afraid his ip address will be tracked by monitor admins.

Here are some of the domains MFPPro claims to be doing business through…
- Unique Hosting Package! ( http://www.myhpro.com )
- Professional Templates Store ( http://www.mytemplatespro.com )
- Internet Phone Products! ( http://www.myphoneserv.com )
- Register US bank account service! ( http://www.myusbankserv.com )
- Adquick (Advertising System) (http://www.adquick.co.uk )
- E-Gold Online Casino ( http://www.gambleir.com )

Again, all are registered through RegisterFly with privacy enacted, and all are just phony fronts for this scam. If you Google any of the domains, ie: myusbankserv.com, no results are returned. It’s hard to believe that any “hosting business” or “US Bank account service” would return zero results in Google on a search of a domain name. All of the domain names were registered on 08-Oct-2006 and expire on 08-Oct-2007, the minimum one year contract. Any legit business who intends to get indexed by the major search engines will at least register their domain for a minimum of two years or longer (check Code4Gold.com registration).

Here is some information gathered about Muhd by one of his former forum mods and one of his ex-programmers…
Name: Muhd Azrainuddin bin Zainal
Identity Card: 810501-08-5001
Address: C1101, Block C, Perdana Condominium, No. 25 Jalan
PJU 8/1, Bandar Damansara Perdana. 47820 Petaling
Jaya, SelangorHP num: 012-2425901
Ex employer: Jurukurtera Consultant
Office num: 03-77258924

Maybank Acc num: 5648 0100 0699
MSN: moneymakerteam@hotmail.com
YM: arai_ezzra@yahoo.com

Mother’s name: Mahnum Arbaiah binti Johar Arifin
Mother’s add: no 101 jln impian kasih 8
Old IC num: 5610394

Father’s name: Zainal bin Ahmad Omar
Father’s add: no 34 jln rakan 6
tmn rakan sg long bt 11 bt6 cheras
Old IC num: 5689635

We are urging all readers to take precautions regarding this program. If you can access your account and withdraw your funds, please do so as quickly as possible. Regardless of who owns this one or who is operating it, this one is definitely a scam and you will get burned here. Guaranteed.

GDCA Warning Against E-Bullion Breeds Strange Bedfellows

Perhaps you’ve been to a website that displayed the GDCA accreditation logo pictured here at the the left. The GDCA accredited logo, which is meant to assure consumers that the site they are doing business with has been issued this logo because of satisfactory business practices. Although the issuer of these accreditation logos has no ties to any world governmental agencies. They have no “official” status in the financial community, the gold markets or any other affiliation of merit to lend validity to these accreditation logos they distribute except their own “self-proclaimed” authority. Many of you may also be familiar with the organization known as GDCA aka Gold Digital Currrency Association (http://www.gdcaonline.org) and the fact that they have recently issued a warning to E-Bullion users in July 2007, calling upon E-Bullion customers to abandon the processor in lieu of allegations that E-Bullion has frozen accounts . Exerpt below…

Exerpted from : http://www.gdcaonline.org/content/news.html
Due to numerous unanswered complaints, the Global Digital Currencies Association would like consumers and merchants to be aware that E-bullion.com closes and/or freezes accounts without any court order or reasonable justification, sometimes freezing customer funds forever.

This unscrupulous policy makes E-bullion an unfavorable system for online commerce and for the safe and secure storage and transfer of funds.

We recommend that E-bullion account holders switch to a different digital currency immediately in order to avoid frozen accounts and loss of funds, such as:

* GoldMoney - www.goldmoney.com
* Pecunix - www.pecunix.com
* Liberty Reserve - www.libertyreserve.com
* c-gold - www.c-gold.com
* PhoenixDollar - www.phoenixdollar.com

While many people find the reputation of GDCA to be an authority in the industry, a controversy has recently been unveiled by Mark Herpel at Digital Money World. In an very diplomatic, open letter to GDCA published on his blog Open Letter To The GDCA Regarding e-Bullion, Mark asks the GDCA for factual proof to the allegations regarding E-Bullion freezing accounts. If there is one person in this industry I truly have respect for and enjoy his take on prominent issues, it’s Mark and DMW. In the past I’ve exchanged opinions with him on a variety of topics and I’ve always found his approach to be based on intelligent research and facts before fiction.

The reason this blog post has the “Strang Bedfellows” tacked on at the end of the title is due to the discovery, on Mark’s blog, that the President of GDCA is none other than Robert, the owner of C-Gold, and owner of Cyfro Associates who is an anonymous web-hosting company based out of Malaysia that has harboured numerous scammer’s websites in the past and currently hosts Andy from XLO’s fraud CyberSpaceAtm payment processor. Although I have heard a complaint regarding E-Bullion freezing an account that was making a big out-exchange to GoldEx, it turned out the complaintant had been operating a frudulent HYIP program and was trying to get his hand on his ill gotten gains when E-Bullion froze the account, requesting identification information from the fraudster. Otherwise, I have not heard any allegations regarding E-Bullion from honest people who were accessing funds that were not obtained through fraudulent measures.

The fact that GDCA, and their President who is owner of C-Gold (see my C-Gold article here C-Gold : New Gold Based E-Currency or Hoax ?), especially take note of the comments section where “Robert” claims to not know how an autosurf program works, yet he is the President of GDCA, owns C-Gold and has been the domain registrar of both of scammer Andy’s XLO autosurf programs. You may also have seen Andy openly stating on ASAMonitor.com forums that his new program XLOTwo *is* a ponzi and his choice of hosting in Malaysia is to avoid any closure by the US Department of Justice.

Call it coincedence, call it what you will, but I call it Strange Bedfellows, and now that it’s been exposed, I must fully warn any of my blog readers from relying on GDCA information and/or from using C-Gold. It’s more than a conflict of interest, it’s a vested interest of the worst kind.

Editors note: At time of writing this article it appears C-Gold.com website has disappeared.