Tuesday, July 24, 2012

G+ Comment on Small Business Start-up

Another G+ comment I thought might have a wider appeal than to just the particular thread.


I am not sure if you are aware of the cost involved in starting even a small business.  Take that lemonade stand, seems simple enough, but how much would it cost.  Go to the store buy some lemons, at about 3 for a dollar ($1.00) that's about one pitcher of lemonade, agreed.  Now you need sugar, about 1/2 pound, at apx. $2.00 per pound at the local market, that's another $1.00 added to the pitcher, plus your stock is over now because you had to buy 5 lbs of sugar, so you are in for the full $6.00 on the bag of sugar.

No problem, you can make now 10 pitchers of lemonade, better for your bottom end anyways.  Except now you have to buy 30 lemons, now you are in for $36.00, just on base materials.  Let's not forget the knife for cutting the lemons, another $2.50 for a cheap paring knife on eBay.  You are going to need a pitcher, or two, that's $2.00 any day at Walmart.  Cups for service, that's like $4.00 for a couple of bags of 6oz paper cups.  So what are you into this now, some $45.00 give or take a penny or two.

Seems low enough, why not, should be able to raise that kind of dough from the streets, should you not.

What about the stand, that take materials if you are going to build it, or at least another $30.00 for the table and table clothe at Wally world.  The signage, well again a few dollars, maybe $20.00 at Staples for poster board and a couple of markers.  Still under a $100.00 bill so hell that ain't bad, should be able to get that easy enough, if you are willing to cut someone in on your profits.

Next you will need a location.  Retail sales is all about location, can't get a mall slot, way to much, but maybe a good place near a market, provided they allow that.  Even when they do the real money comes in when you decide that you are going to sell something to the public.

Oh and let us not forget the water, gallon of water $0.99 at Wally world, ice, $1.89 at almost any location, but you will also need a cooler, foam cooler $2.99 at Wally world.  Hey you are still below the $100.00 mark, awesome.  This should work.

Okay, let's start selling lemonade, no problem right.

Dam first person that stops by is a cop, and he is quick to point out that you are not allowed to sell to the public without a retail sales tax number.  Well that day is shot to hell.  Try again tomorrow, unfortunately today's pitcher of lemonade is a loss, as is the ice.

Okay, no problem that is doable, just contact the State Sales Tax Department and get a tax permit, no big deal.  What's that, you need a DBA to get a tax number, well wouldn't you know it.  Off you go to the county clerk to get a DBA to do business as a lemonade vendor.  Better have a good name that is not already used, because each filing is $40.00 or better, and if that name is already taken, that requires a new filing.  Or do a name search at about $10.00 per name searched, and expect a couple days delay.

We'll assume you have an awesome unique name and will only need the first $40.00 for your DBA filing, oh and another $20.00 for the certified copies that you have to give to your bank and the sales tax department.  Excellent you have the DBA, you took your papers back down to the sales tax office, and got the sales tax number.  Wow isn't that cool they didn't charge anything for the number.  That is because they are extorting you so badly each quarter they don't need any front end fees.

All set right, got the papers in order, and re-up on supplies, because maybe you lost a couple of extra lemons due to the heat and no ice to keep them from spoiling.

Where are we, three days into the business and you are down, about $250.00 mostly in fees and other cost.  I forgot the fuel cost and wear and tear on your vehicle while you were running around to get all this done.  Let's see that is $0.56 per mile (current standard deduction for travel cost), and let's say you only racked up twenty miles, that's about $11.00 (give or take a few cents).  God for bid you have children, because if you had to figure out childcare into this, you would be long done before you got started, and you are not started, not even close yet.

Yes, you have your table, you have your certificate to operate a retail unit, and you have the okay to operate in the location you have chosen (well for a percentage of the take, just like taxes, hmm).  You are ready, start hawking that lemonade, you have a lot of ground to make up, and debts to pay.

Just as you are starting to serve some icy cold lemonade, the best in the three block providence, along comes a customer in a nice suit, and he slaps a little sign on your stand saying closed due to violation of health codes.

Not only did you not know about this, but now your hard earned reputation is in jeopardy and you will lose your stand if you can't remedy this issue quickly.  So what do you do then, you can't bribe the man, you aren't making that much, and you can't sell lemonade.

Simple enough just come into compliance fast.  Take that little bit of earned income and sink it into health code compliance.  Nice so you buy the hair nets, you get the gloves, and to the tune of a few hundred dollars later you are in compliance with the local health codes.  Nice, another day lost, and you will have to get more supplies, but still under $2,000.00 for the week.  Did I say week, yes, the week, one week into the business and you are in the red about 2g's.

Maybe the people who have helped you before will float you a little longer, let's hope so, because you are just beginning to lose money.

The next week and you start over, all set to go, and the DOL gives you a calling.  What the hell, where do these vultures get off with this stuff.  Okay, okay, got to spend money to make money, right.

DOL guy says you need a Federal Employer Number, and you counter with but I have no employees, I might get some at a later time if you guys ever let me make any money, but for now it is just me, the owner.  Oh that's fine he says, you are an employee of your business just the same.

Fine, shut down another day, and the stocks are looking pretty rough, because you can't sell anything.  Go out and get that EIN.  That will take a few days, the Federal Government has money they don't need to hurry, in fact if you want them to hurry and do their job in an efficient manor that will cost you extra.  As will postage to have it sent to you, although it is a government office sending it through a government office, go figure.  They are charging the tax payer twice for that little trick.  Whatever, you got to do what you have to do.  You get the EIN, and this week is pretty much a wash as well.  Nothing like not making money.

In the meantime the investors are wondering what the hell you are doing with their investments.  They have stopped out to the location twice this past week and you were no where to be seen.  Unfortunately in your rush to comply with government regulations you forgot to contact your investors, and now they are getting nervous about putting in money.

You get the EIN, you talk your investors down, and all is well right, next week you can finally get down to business, right.

Wrong, you haven't even begun to be bilked by the government.  Hold on to your hat, because the wind of absurdity is about to come this way.  First you are going to need a deposit account, separate from your regular account, this is your wage account.  You will need to have an amount equal to at least one weeks wages in this account.  Not just your wages, but the cost of those wages.  You know all those things they take out of your check when you work for someone else.  Guess who is responsible for both parts of those cost, that's right you are, and you have to have that in an account before you can pay wages, even to yourself.  You are also going to have to pay workman's compensation and disability insurance on yourself, and you will need that up front, all of it, and since you are a start-up business, they will rate you at the highest rating they have for your type of business, because you have no history, so they assume the worst.

Dam, your $20.00 lemonade stand just went from $20.00 dollars out of pocket expenses, to about $20,000.00 in fees, contingencies, and withholding's, plus insurances you don't even need.

Your investors are suing you for breaking the contract because you couldn't make good on your promise to pay them back in a timely fashion.  You are declaring bankruptcy because you cannot meet your obligations. And to top it all off, your credit is trashed, your chance of even getting a decent job just plummeted, and oh, yea, you still owe taxes on the few dollars you did bring in, that one day you were able to sell some lemonade.

I wish this were an exaggeration of the truth, but it isn't.  Sorry but starting a business legally anymore is not just hanging up a shingle and offering your services or products to the public.  Maybe in a different country where there are no real laws and only quasi government enforcement, it is possible, there everything is a grey market.  Here to operate in the white market, you had better not need the money or the work, and be well connected, or just accept the risk and operate on the black market, there is no grey.

Comment on G+ on Writer's Writing

I made this comment on a post on G+ (although for the life of me I can't seem to figure out how to link to the particular post on someone's thread).  I can however link to the original story, and hopefully that will help explain some of the comments herein.

Back thirty or so years ago a good hack writer could make an honest living writing for local rag publications and publishing a few dime store novels, as long as their work was up to snuff, and they produced a new story every time.  When JRR Tolkien published the Hobbit it took him quite a bit of work with the publisher, and he was a great writer, well versed in languages.  He was no superstar.  Hemingway was no superstar either, he did well, and made a few dollars, but his estate is doing much better on the catalog than he ever did.  Jump ahead to Anne Rice, who rehashed the Bram Stoker story, sexed it up, and dumbed it down for the near illiterate masses, and you have stardom, go figure, Bram a star in his own right, had to work his entire life as a second page reporter.  Jump ahead again to an unemployed (although single mother is not really unemployed) single mother in her skid, re-telling the stories of JRR Tolkien and Shakespeare, and you get a super duper mega millionaire star.  The story never changes, that's why the same people keep buying it.  I am not knocking JK Rowling's, she did what she did because it worked for her, and good for her.  Thirty years ago she would not had the work to steal, and she would not have made it with the low brow crap that passes for literature these days.  I expect to see such use of language in the indie rags, but not in what is called a literary novel.  Fitzgerald could write circles around these clowns that the publishing world is lauding as great writers.  Not to mention such greats as MK Shelly, Jules Vern, Lovecraft, and the whole host of greats that today just don't get published, because it is too literary for the market, go figure.

Junket_7-24-12

Today there is no real new news, it chugs along with nary a blip of real import.  Checking the social scene, ssdd, as usual.  Whew blog done, now on to something completely different.

Colorado Shooting (or Col Shooting as most news sources are calling it, does a few bits of type or digital bits really cost that much that they really can’t write out Colorado?)

Anyway it nags on me and I am watching this one for some sense of why this is news.  On the heel of the UN gun control paper, this happens, but it does not seem to make a strong case for gun control in the US.  It does open the debate a bit, and with additional support from many overseas commenters, who keep calling the US a dangerous place where everyone has a gun, there are problems that may come out of this.

The second amendment does not allow US citizens to take the law into their own hands, it helps protect them from a rogue state militia.  This is apparently a point that seems to be misunderstood by gun advocates and adversaries alike.

Moving on, I think that this is a smoke screen, and that there are other things underlying, but that will take some time to flesh out.  In the meantime, other issue though not exactly related do seem to have some relationship to the current issue of weapons.

Searching the MSM has turned up nothing new either.  As usual all the main networks are reporting the same things, although it should be noted that for all intents and purposes, they do all have their angles.  Nothing came out of the Security Sub-committee hearing yesterday on domestic use of drone planes in the US.  I watched the public debate on CSpan, and got that they are still debating it, while they have been deployed at least on the southern border to relatively untrained police forces.  On inside circles I have seen some indications that their use may be even more widespread.  Here in NY there has been very little said or noticed by anyone I know.

Autonomous Robotics
The bots are here, and they are not going to go away anytime soon.  This is a fact of life now.  Soon a few million robots will be unleashed upon the soil and in the air, and we have to accept that.  The reality is one that was long in coming, but the desire was mixed at best.  There is still debate on the security of such on the Hill, but on the ground, there is no question.  Law enforcement will soon be carried out with the aid of land based and air based robotics.  Look for medium positions on the emerging companies that will be building and monitoring the bot nation.  Software and hardware is in place, but as with all of this as soon as it hits the mainstream, there will be a surge of cheap buys of companies that produce, service, and provide materials to the industry.  It is  not yet a bubble, but a blip on the radar, so now is a good time to speculate, but don’t bet the house, just yet.  There are some problems, the networks are unstable, they are susceptible to GPS hacks and other types of localized hacks, and if the NASA watchers are correct, solar activity may take out the Grid for the next ten years, pushing technology back at least a good 5 or so years.
Short of having a good terrestrial based network system of ad-hoc servers and network routers (a new article that will come out on large scale WiFi deployment by cable companies later this week), with some type of alternative to the Smart Grid, as a smarter grid will not save it from itself, there may be a near future of no communications.  At least as we know it.  Without electricity readily available to the commercial markets, that means no refrigeration, no transport (yes I have said in the past everything runs on diesel, but diesel also requires spark), and no way to keep the distribution system working.  The likelihood of this is pretty good, and the experts seem pretty certain that it could be within the next couple of years, maybe even this winter.  A winter hit would have devastating global effects on the main Pan European Nations, including the US and Canada.  Don’t panic yet, such things have been said before to motivate certain key elements to action, or inaction, depending on the faction targeted.  Look for late summer indications of solar activity, if the arborelius seems to be getting a little more showy than usual, and I don’t mean the occasional nighttime light show, but every night light show, you might want to consider short positions on Energy stocks, and long on alternative heating firms.

However there isn’t enough forest left in the world to fuel the heat needs of the northern hemisphere, so if things go bad this winter, hope it is another mild winter, or there may be severe long term effects that would not be pretty on the street.

Certain aspects of this Colorado Shooting still bothers me.  I am waiting to see how this comes out, but I would like to know what is being said about the release of gas and other materials within the theater.  There is a possibility that everyone in that theater that didn’t die may be carrying some new virus, or other issues, not presented yet in the trial.  We don’t know the target of his motivation, and we may never know, and that may indicate as much there.  If there was a release of a virus that has previously unknown to MSM and their minions, it is possible this was a targeted attack.  Too much is still in the air, so to speak.  That seems a bit steep even for a global elite, as there is not much they can do to prevent mutation once it has hit the ground running.  An antidote today is just a waste of time and effort tomorrow when the virus gets a whiff of it and begins to change its mind.  The natural order is hard to debate, they do, everyone does, to some degree, but out right taunting of it means those laws of nature will be applied with prejudice.  Watch the reactions of pharmaceutical stocks in the coming weeks, if they seem to be posting new antibiotics, or vaccines for previously unknown strains of bacteria or viruses, that could mean they knew something they were not disclosing, as if that would surprise anyone.  It may not make them a long buy, but in the short, they may be a good choice.  That is until something gets leaked and they become indicated in part of the attack.

Again though, if there is no power, the companies are powerless to react, as are hospitals, and other EMS services, so that could be a major game changer right there.  This could be volatile and with no clear direction, keep at least some of your capital in solid assets, metals, land and tools (tooling).  Heavy as they are, base metals could surge dramatically if things don’t go well this winter, as when there is no more mass mining of iron and other base metals, soon the actual metals may be worth more than their weight in gold.

Commodities appear to be taking a beating this year, which is fine if you are not trying to fatten up your hogs on grain and corn mash.  One good point, is that since things seem to be bleaker than usual more whiskey (and its ilk) seems to be selling, so beer, wine and liquor stocks might be a good middle position to take, but be ready to jump quickly if things start to go dark.  Commercial stills and are heavy water and electricity users, and without them, they will go down hard, they don’t have a safety net.  The good part is that hogs and cattle can be feed on the waste of the corn squeezings, and brewers grain, although that is still a short term gain, if there is no grain, it means there won’t be any whiskey, beer or waste.  This is bad for the temperaments of the street, no beer, no pork, no barbeque, that won’t sit well with the south or the rest of the world for that matter.  Now have no fear if you live near a nice grass based diversified farming operation, short of total collapse of the world society, they should still be able to provide a good source of local healthy beef pork and poultry, provided you have something worth trading for it.  If they are truly diversified, your waste might just be their feed stock for their energy production.  If it does all go to hell in a handbasket, seek out a local farming community that has the capability to expand its energy production (even from zero), and see if you can’t get in on the ground floor of that local economy, it will be the boon of the next twenty years of recovery.  It could be our saving grace now, but not while we are still blinded by industrial growth hormone driven insanity.

Look on the Sunny Side of Life
I am still optimistic that at least for the time being that the status quo is holding ground, and that with careful placements in a diversified portfolio you could do quite well.  There are some interesting tech industries that are still good buys for a while.  Security is hot still, and only heating up, but watch closely for the correction there, as in some sectors of that industry there will be severe drops, even if the world doesn’t go to hell.  Home security is a good bet if you are buying it for your home, it keeps the honest people honest, although it will not really protect you from dishonest criminals, they don’t care about security systems, which often fail on false positives.  Home automation however is still a long position, it is going to be adopted, but you have to know who is in the game and I don’t have that one yet.  I am looking at Honeywell to try to get in the lead here, but others, smaller more nimble companies may be the way they are going to get ahead, so they may be the better buy in the short term.

National security is still pretty warm, and warming up, with all that is being reported, look to local police for good buys, they are updating their systems to be more technological.  This is a short term gain, but what isn’t really.  In general the best buys are in the areas of new tech, robotics, GPS apps, mobile tech, and wireless.  Look for companies that look like they would be good buys in the near future for the long term companies like ADT and their ilk.  Time Warner and a few other network providers are looking like they are trying to position themselves as providers of this tech on the same pay as you go method, but I have my doubts on how successful that will be.  Still for now that does mean they will be out there spending money trying to buy up smaller companies that provide better service, so they too can do their part in killing any real chance that small business will actually help the economy.  With the TSA essentially going rogue lately and refusing to even report to DHS, or Congress, it could be an interesting season on the Hill to say the least.  They currently have an open budget and little oversight, so now is their time to try to make the best of it.  I think this will not fare well for them in the long term, and if FEMA has to act on their behalf, it could be a good tabloid season as well.  Look for action on the Southern border, they seem to be absent here in the north, where they would have a much more difficult time, as it is not as hot a climate for their actions.

Last Words
I am getting my tweet on, or trying to.  I am trying to see if I can begin to use Twitter a little more as a source of news on the ground.  I am hoping that it will be the type of boots on the ground type of reporting of actual conditions in areas I myself cannot get access to.  The social networks, such as FaceBook, seem to be less useful for such things.  If anyone knows of additional sources that may be useful, I am not above checking them out.  For now I am on G+, FB, and Twitter mostly, with some jaunts into Linkedin, and a few other more specialized networks.  I could use a few more sources, as I like to have ways to check the stories before I set them out there.  I am using a blog reader, Google Reader, as well as others.  I catch as many podcast (and other cast) as I can, but I am only one man.  I don’t have a staff, and I don’t expect I ever will, it doesn’t suit me.  I do get into discussions with people on things, but for the most part I sit here surfing the dark fiber for bits and pieces of information that will help me put the puzzle together a little better.

Again I have no budget, no discretionary income to waste on such things, and shouldn’t need it.  I have expenses, but they are covered mostly by people who care about things I do, and with a little more time even some of the other issues that are present in my current situations will pan out, provided you all keep reading and provide some rationale for me to even bother doing this in the first place.  I mean I have my own reasons, but I will be honest with you, impressions on my blog can help pay for certain expenses I would otherwise have to beg for, so keep the impressions going, and if you really feel generous buy some of the stuff that is advertised there.  I don’t run with a lot of advertising, just some from Google, and a selection from Amazon, to see if it is all worth it.  I also will plug my books, which will be available on Amazon and eventually on Google (once they get a model for self publishers).  I currently do not have anything to plug, but I will have some this year, as I am finishing up some work on some of them as we speak, so to speak.  I will add them to these post when they hit Amazon as I have in the past.  If you like them, buy them, and that will make all of us happy, including Amazon, and we want to make them happy, because when they are happy, we all are happy, get it.  Well that’s the rant for the day.

New Catch Phrase: Sleep Well, if you can...  tell me what you think, too dramatic, too dark, ah good, I like it that way.

Sunday, July 22, 2012

Junket

Note: in looking for a place to place this, I put it here, but I think if the response is sufficient I will make a new blog for it, maybe on its own server, if someone is willing to donate the server to host it upon.  Thank you and enjoy, and look for more.  Oh and the title is just something I am calling it for now, I will give it a better name at some other time.

What the hell is going on here?  At what point does the insanity end?  Still sitting here, hands tied, with nothing left, and I am still without the energy to dream.

I keep looking for new information, additional information.  Something to collaborate the stories that float around.  I keep seeing stories coming out of many places, most of which seem to have common themes.

Unemployment
The unemployment rates around the world are bad, but not critical yet.  Even in the US unemployment which has increased this last month, is not highly critical.  The majority of people still are employed.  Those who are still employed are having difficulties, but they are still employed, and many of them are reacting with protectionism, for their own employment.  The global unemployment rates are relatively higher, but for now that is status quo.

I would like to go on about this, but the sources are so difficult to verify.

Fiscal Fitness
Like so many other indicators in the global scale, depending on the source you are watching, the fitness of global fiscal fitness is either abysmal, or recovering.  The Pan European nations are having issues with their currency.  The dollar is down against the market.  China’s economy is contracting.  These factors are going to have global impact, causing global contraction, as dominoes begin to fall.  If consumer confidence cannot be increased, if trade doesn’t begin to rise, the result could be global contraction of financial markets.  This could result in defaults on loans by governments, by total destruction of some markets and economies, and rapid rise in global inflation rates.

There are many sources that state the poor state that the economy is in.  There are other sources that state that we are in a slow recovery, which does not come with its cost to the general public.  All the sources that I have looked at seem to indicate one thing, that no one has any idea what will happen, and that we are in a volatile market worldwide.

What does this mean to investors?  Well a savvy investors will be able to see the opportunities that this unstable market presents, defence stocks, survival stocks, preserved food stocks, are just some of the areas that seem to be havens for money.  Also for anyone that bets on the commodities, buying long on the grains markets can prove profitable.  For those that play with currencies, this can be a time of great gains and sudden losses, depending on how well you are at making lightening trades.

If you are currently solvent and are looking for somewhere to invest, try offshore banking.  These havens for capital are currently seeing rising in their deposits and transfers as many wealthy people scurry to find places to hide some of their newly gained wealth.
The old money is still highly leveraged in land and value added land (mining and other types of real estate investments).  The middle east is still in turmoil with revolution in the air, with many of the very wealthy people there to continue to off load their wealth in various forms, including increasing their use of offshore banking.

At one time, many years ago, I met a guy that talked to me about offshore banking.  At this time it was a relatively new concept, but I could see the potential.  I unfortunately let that opportunity go by, as I was caught between an internal conflict with wealth and charity.  I have since learned better, but now I am not in the position to take advantage of such opportunities.  If you do have the means, I will tell you that although there are some serious sharks out there in offshore banking, and the research is not easy to find the ones that are real investments, it is very worth the effort.

Geopolitical
“Revolution is in the air”, and although I cannot really find a source for the statement, it does seem to come out of the communist movements most often.  However there is a lot of sources that state that democracy is the new revolution that is sweeping across the globe.  Both of these statements seem to hold water.  In the middle and near east it seems the ruling classes are being given lessons in civic democracy.  This still has a lot of time to go before anything other than the usual change of monarchy or oligarchy will be the result.

The undercurrents of communism seems to be there, but not in the places where you would expect them to be.  There seems to be a rather large movement within the developed nations of the US and the UK (as well as the other Euro countries) towards a type of communist movement.  Not the type of Lenin or Marxist communism, but a economic driven communism where the mega corps and banking cartels are working out a type of oligarchy for economic control of the current developed nations.

How this will all play out is very difficult to predict.  Economic factors seem to show that a global economic collapse is imminent, but is it really.  Further investigations seem to indicate that this economic collapse is politically driven and is not one that will have the deep long term effects that many sources are indicating.  Additional indications show that news that indicates the dismal economic factors are overplayed, and that the real picture is not as bad as the sources seem to report.  So much is being thrown around about the effects of a economic collapse it seems to be fueling it itself.  Quite likely the intention of the forces behind the story.

Amid the violent turmoil that is present in many areas of this world, individual cases seem to be escalating with the rise in the revolutionary fever.  The rise in individuals or small groups within developed nations that seem to be random and unconnected, are causing people in these nations (especially the US), to question many of their rights, and regulations connected to these rights.  One main question seems to be part of an attack on our rights of expression, to bear arms, to transgress within our borders, and other such items, that seem to float around the web in various forms.  The main stream media does not seem to be providing any indication if there is any validity to these stories, and too many people are taking these poorly researched articles as fact.  This opens doors for the savvy investors.

Where this all leads is open to debate yet.  Following the money, you will get the idea that the wealthy are pulling their money out of the developed nations and looking for safe havens in the offshore banks, and other havens of paper wealth.  The old money continues to protect themselves through influence and increasing their holdings in solid assets.  Their purchasing of minerals, land and other solid investments, seem to indicate that nothing has changed, this has always been their methodology.  However that they are less visible in media, in politics, or other areas they are normally involved, seems to indicate they either feel nervous of such actions, or that they have seen the writing on the wall, and the geo-political atmosphere is one total collapse.

As to add additional unconfirmed data to the mix, there are many reports about cosmic movements, from established vanguards of science that indicate that we may well be in for a very rough year from solar activity.  This could mean that we may be facing anything from global catastrophe, to just having spotty communications over the next couple of years.  I would seriously consider looking at terrestrial based networks and the companies involved in building such networks (i.e. wifi, wireless networks, tower companies, and their ilk), as even if there is no damage to the world as we know it from the solar flares, these up and coming companies and their partnerships will be good investments for the next few years anyway.

Afterwords
I have provided no actual investment advice here.  I have not also provided source material.  As to the sources, I try to look at many sources, from many places.  I read papers, magazines, web sites, view various news programs, make comparisons with the hundreds of blogs and multiple social sites I also puruse.  I watch Bloomberg Television, CNN, Fox Networks, CBS, NBC (formally MSNBC), Fora TV, Al Jazeera TV, RT TV, CCTV, Tan Network, AGWeb (including the weekly USDA Farm Report), listen to many different sources (NPR, BBC radio, others)  I also follow many other sources, including Thom Hartmann, Alex Jones, and their ilk.  I dig deeper and deeper until I am pretty certain that I have a handle on what I am providing.  If you want more for less (I don’t charge for this you know), you can keep an eye on what is here and see what comes of it.  I would like to plug a couple of things here, I really like Motley Fool, if nothing more than for the name.  I follow a few others, including the movements of such things as Berkshire Hathaway, and other makers.

I have tried to present an introduction to the mindscape that I will put out for a while if it still appeals to me.  Remember this, I take no income from anything related to this, and endorse no one in particular, even though I may provide names of certain companies, or other things, it is all an opinion on things, and should not be seen as anything else.  Even this bit of a disclaimer is not really a disclaimer, but as an explanation as to why I am posting this.  Not because I want to help people, or give any group or individual credit, or anything, but say what I feel needs to be said.  In the future articles I expect that I will provide more information, may be more specific, maybe more cryptic, but it will be what I feel like writing about the things I feel like writing about for my own reasons, and not for any other reason.
Now with that said, I think I will think about a name for these post, and will see what I can do to provide dedicated readers with some sort of way to support them if they feel that is necessary.  Most likely any contributions that ever do come from such efforts will be given to some charity of my choosing.  It is not that I do not need money, as I am certainly not without need, and most people believe themselves to be, but that this is not what I do for a living, I do this for my own sanity, not anyone elses.  So if you feel it necessary to incentivize me to continue to write these post, and would like to support my various other causes, I will look into making that possible.  If this is something you feel strongly about, please comment, or send me an email, or join me on any of the various social sites, tweet me, or otherwise contact me to let me know.  Incidentally I prefer G+ over FB, but I am not against either one completely.

Well that’s all for today.  This is raw, without much in the way of editing, so if there are problems with it, I will republish it when I have corrected the issues, provided I find them significant enough to warrant such action.

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