Alan"s Money Blog

Jul 31, 2007

Take the Internet Back (TIB) adds new FREE downloads to members section

Hi everyone. Just thought I'd let existing "Take the Internet Back" (TIB) members and potential members know that the program administrators have added a whole bunch of great new downloads to the members area. That's right, they are all free for you to use but NOT to sell. They include a complete array of marketing programs and ebooks that can help you earn money on the internet. Please feel free to login to your account and check them out. They also make a good selling point when approaching your family, friends and associates to join TIB.

Here is just a sample of some of the free material you can get access to:

Marketing For Real People (2007-07-30) Discover How YOU - Or Anyone - Can Build Your Online Business At Warp Speed, Increase Your Sales Exponentially And Quickly Become Recognized In The Internet Marketing Arena Just By Practicing The Five Keys Of Internet Marketing Success! Warning! This Is NOT About How To Make Money From Adsense, Generating Traffic, Selling Info Products, And Neither Is This Course About Joining The Latest Marketing Fad. To Learn What It Can Do For You, Read On!!

Craigslist Exposed - How To Profit From Craigslist (2007-07-30) Incl. Adsense Site, Articles & PSD Graphics Craigslist is the Home of Free Advertising and Promotion for Your Business...IF You Know How to Use it! You'll learn: Can you really earn a full time income just by using Craigslist? The keys to earning a profit on Craigslist. What different ways can you use Craigslist to your advantage to make money? How do you post an ad on Craigslist...and some tips to make your ad a little more effective than the next guy's. Stop blowing money on advertising...let Craigslist be your starting point, THEN expand!

Unstoppable Traffic 101 (2007-07-30) 29 Meaty, 'Information That You Only Need' Pages of How To Generate Unstoppable Traffic to Your Website The 3 kinds of traffic you'll need to generate unstoppable traffic to your website. The absolutely most important thing you must do before generating traffic to your site. SEO techniques - On Page Optimization and Off Page Optimization. 3 reasons why Blogs work so well in generating traffic. 4 more ways to attract a stampede of traffic to your site. BONUS Section: Top 5 Ways To Generate Low Cost Website Traffic ...

There is more; 7 pages more!

If you're not a member yet I encourage you to join as I believe TIB could turn out to be a big winner and a great source of long term residual income for you all.

Take care,

Alan out.

Jul 30, 2007

New marketing tool: FreeViral marketing system

Hi everyone, today I am going to introduce you to a "viral advertising" network that goes by the name of FreeViral. It claims to offer you 1 million hits per month "guaranteed". Be careful here folks, this 1 million visitors is possible only if you are successful in getting quite a few other webmasters to join the program. I only recently signed up so I cannot really give you a realistic summary of my success so far with the program, but I see some potential in this program; if only I can get off my lazy butt and market this program some more :)

Another interesting tidbit of info about this program is that according to their frontpage:

" is ranked by Alexa as being in the top 1% of all trafficked websites in the world
(and that's out of 40 million sites!)"

Now for some FAQs (all taken from the site):

So how does this system work?

This system is similar to others you may have seen on the Internet with one major difference... our system guarantees traffic to your website! The concept is simple; at the bottom of this page you will notice 6 classified ads. When you sign up, you will receive a website just like this one with your classified ad in the #1 position! The ad that was in the #1 position will move down to the #2 position, the 2nd ad to the #3 position, and so on with the last classified ad being taken off of the page. When someone signs up from your website, their classified ad will be placed in the #1 spot with your ad moving to the #2 spot, the 2nd ad moving down to the #3 spot and so on. By the time your classified ad reaches the #6 spot, you will have noticed an amazing amount of FREE traffic!

How do I get guaranteed traffic?

When someone signs up from your site, they must first click on your classified ad which will open a new window leading to your main website. They will have to wait a few seconds for the code to appear on a separate frame at the top of the screen. While they wait, they will have time to read what you have to offer! This can equate to more sales, downline members, affiliate sign-ups, ezine subscribers, etc.! Each classified ad will have to be clicked on to retrieve a unique code meaning that you will receive FREE Traffic throughout all 6 levels!!!

How much FREE traffic can I expect?

Lets be extremely conservative and assume that your page and everybody else's pages only get 10 sign-ups:

10 people sign up from you: 1 x 10 = Your ad on 10 new sites

10 people sign up from each of them: 10 x 10 = Your ad on 100 new sites

10 people sign up from each of them: 10 x 100 = Your ad on 1,000 new sites

10 people sign up from each of them: 10 x 1,000 = Your ad on 10,000 new sites

10 people sign up from each of them: 10 x 10,000 = Your ad on 100,000 new sites

10 people sign up from each of them: 10 x 100,000 = Your ad on 1,000,000 new sites

Total: 10+100+1,000+10,000+100,000+1,000,000


Will I get immediate results?

Remember that it takes time for people to sign up below you, and then begin to promote their new page. Then additional time for people below them to do the same. Patience, Grasshopper.

That's pretty much it. So far my FreeViral has only 1 lonely webmaster. Truth be told I did not really promote this program too much, but I've had better success with another viral advertising system called CBClicks and I believe there is great potential in these "viral advertising" systems. OK, OK, I think I am digressing here, so let me get back on track.

Ok, so if you're curious to find out more or to sign-up for this program please CLICK HERE or click on the banner at the top of the review.

70 Ways to Better Brainpower

(In no particular order.)

1. Breath deep. More air in means more oxygen in the blood and
therefore in the brain. Breath through your nose and you'll notice that you
use your diaphragm more, drawing air deeper into your lungs. Several
deep breaths can also help to relax you, which is conducive to clearer

2. Meditate. A simple meditation you can do right now is just closing your
eyes and paying attention to your breath. Tensing up your muscles and
then relaxing them to start may help. When your mind wanders, just bring
your attention back to your breath. Five or ten minutes of this will usually
relax you, clear your mind, and leave you more ready for any mental task.
For more on meditation, you can visit

3. Sit up straight. Posture affects your thinking process. Prove it to
yourself by doing math in your head while slouching, looking at the floor
and letting your mouth hang open. Then do the mental math while sitting
up straight, keeping your mouth closed and looking forward or slightly
upwards. You'll notice that it's easier to think with the latter posture.

4. Phosphotidyl Serine (PS). This supplement has been shown in clinical
studies to increase lucidity and rate of learning. It activates cell-to-cell
communication, helps regulate cell growth, improves the functioning of the
special receptors found on cells, and prepares cells for activity. In other
words, it can help your brain power. It's also thought to reverse memory
decline. Phosphatidylserine has no known adverse side effects.

5.Vinpocetine. This extract, derived from an alkaloid found in the
Periwinkle plant, is used as a cerebral vasodilator. It increases blood flow
to the brain, which improves its oxygenation and thereby increases mental
alertness and acuity. Research suggests it may also be the most powerful
memory enhancer available to date.

6. Gingko Biloba. The leaves of this tree have been proven to increase
blood flow to the brain. The trees are often planted in parks. My friends
and I used to eat a few leaves when we wanted a brain boost. It is also
inexpensive, if you buy the capsules or tea at any health food store.

7. Saint John's Wort. This is a common weed that may be growing in your
yard. Although it's brain enhancing qualities are less documented (studies
do show it's usefulness for treating long-term depression), many people
swear by it's temporary mood-elevating effect, and our brains tend to
function better when we are happy. It is inexpensive, but I used to just
collect it in the yard and make tea of it. (Hyperacum Perforatum, if you
want to look it up by it's botanical name.)

8. Good thinking habits. Just use a problem solving technique for several
weeks and it will become a habit. Redesign everything you see for a while,
and that will become a habit. You can develop many good thinking habits
with some effort, and then be more resourceful effortlessly from that point
on. Use the power of habit.

9. Use dead time. This is time that is otherwise wasted or just
under-utilized. Driving time, time spent in waiting rooms, or even time
spent raking your yard can be included in this. With a tape player and a
trip to a public library, you can start to use this time to listen to
books-on-tape. You may spend 200 hours a year in your car. What could
you learn in that time?

10. Learn a language. Learning a new language has been shown to halt
the age-related decline in brain function. It also introduces your mind to
new concepts and new ways of looking at things (in English we are afraid,
whereas in Spanish we have fear). It is one of the best brain exercises.

11. Rosemary. This common herb may have an effect on the brain when
the scent is inhaled. We are waiting for the research, but some people
swear that just sniffing rosemary wakes up their brain. It seems safe, so if
you have rosemary in your spice rack, give it a try.

12. Mindfulness exercises. Concentration and clear thinking are more or
less automatic once you remove distractions. Learn to stop and watch
your busy mind. As you notice things that are subtly bothering you, deal
with them. This might mean making a phone call you need to make, or
putting things on a list so you can forget them for now. With practice, this
becomes easier, and your thinking becomes more powerful.

13. Write. Writing is good for your mind in a number of ways. It is a way to
tell your memory what is important, so you'll recall things more easily in
the future. It is a way to clarify your thinking. It is a way to exercise your
creativity and analytical ability. Diaries, idea-journals, poetry, note-taking
and story-writing are all ways to use writing to boost your brain power.

14. Listen to Mozart. In a study at the University of California, researchers
found that children who studied piano and sang daily in chorus, were
much better at solving puzzles, and when tested, scored 80% higher in
spatial intelligence than the non-musical group. In another study, 36
students were given three spatial reasoning tests on a standard IQ test.
Just before the first test, they listened to Mozart's sonata for Two Pianos
in D Major, K. 448 for ten minutes. Before the second test, they listened
to a relaxation tape. Before the third, they sat in silence. The average
scores for all 36 students: 1st test: 119. 2nd test: 111. 3rd test: 110. A
nine-point boost from Mozart!

15. Develop your intuition. Intuition can be an important part of
brainpower. Einstein and others have relied heavily on their intuitive
hunches. See Chapter 25 for tips on how to develop your intuition.

16. Avoid foods that cause subtle allergies. These can include wheat,
corn, peanuts and dairy products. Watch yourself to see if you have a
problem with any of these. They cause digestive problems and brain fog
in some people.

17. Sleep better. As long as you get a certain amount of sleep - probably
a minimum of five hours - the quality seems to be more important than the
quantity. Also, short naps in the afternoon seem to work well to recharge
the brain for some people.

18. Caffeine. The research shows higher test scores for students who
drink coffee before major exams. My chess game gets better. In other
studies, it has been shown that too much caffeine leads to poorer quality
decisions. Caffeine affects individuals differently, and has some nasty
long-term side effects for some of us, but short-term - it works!

19. Avoid sugar. Any simple carbohydrates can give you "brain fog."
Sometimes called the "sugar blues" as well, this sluggish feeling makes it
hard to think clearly. It results from the insulin rushing into the
bloodstream to counteract the sugar rush. Avoid pasta, sugars, white
bread and potato chips before any important mental tasks.

20. Hypnosis audios. The power of suggestion is real, and one way to use
it is with hypnosis tapes, CD's or downloads. This type of brain
"programing" has more evidence for it than subliminals. You can read
more on this here:

21. Speed reading. Contrary to what many believe, your comprehension
of material often goes up when you learn to speed-read. You get to learn
a lot more in less time, and it is definitely a good brain exercise.

22. Exercise. Long term exercise can boost brainpower, which isn't
surprising. Anything that affects physical health in a positive way probably
helps the brain too. Recent research, though, shows that cognitive
function is improved immediately after just ten minutes of aerobic
exercise. If you need a brain recharge, you might want to walk up and
down the stairs a few times.

23. Imaginary friends. Talking to and getting advice from characters in
your mind can be a great way to access the information in your
subconscious mind. Imagine a conversation with a person who has a lot of
knowledge in the area you want advice in.

24. Develop your creativity. Creativity gives power to your thinking. Raw
computation can be done by computers now, but humans provide the
creative thought that shapes our world. See Chapter 24 for tips on
developing your creativity.

25. Learn more efficiently. When you decide to learn something, take
notes from the start. Leave each "learning session" with a question or two
in mind, to create anticipation and curiosity. Take short breaks, so there
will be more beginnings and endings to your studies (Things learned at
the beginning or ending of a class or session are remembered better).

26. Use techniques for clear thinking. Cluttered rooms and offices can
contribute to cluttered thinking. Organize a space for mental work. Sigh,
stretch, and take a deep breath before you start on a tough mental job.
Plan some distraction-free time for brainstorming.

27. Brain wave entrainment. The newest brain wave entrainment products
are powerful tools for altering your brain function. Some will almost
immediately relax you, while others will put your brain waves in a pattern
that is most conducive to analytical thinking. For more information on
these, you can visit here:

28. Creatine. This is a compound found in meat, used by athletes to help
build muscle. Now the evidence is here to show that it helps your brain as
well. Proceedings B , a journal published by the Royal Society reports that
the research showed improvement in working memory and general
intelligence resulting from creatine supplementation. The dose used in
the study was 5 grams per day. This is about the level used to boost
sports performance, and is as much as you'd normally get in four pounds
of meat, according to lead researcher Dr. Caroline Rae.

29. Talk. Talking is only good for the brain if you are actually exercising it,
of course. Try explaining something that you don't understand very well to
a friend, though, and you'll notice that the process of explaining will help
you clarify your understanding.

30. Do something you enjoy. This is a way to both lower stress and rev up
your brain. The key is to do something active. Watching TV doesn't count.
Whether it is playing Scrabble or building birdhouses, when you are
actively engaged in an activity that you enjoy, you worry less about things
and you start to think better.

31. Adjust your beliefs. Believe you are smarter, and you'll become
smarter. For this, affirmations may work, but even better is evidence.
Make a note of your successes. Tell yourself, "Hey, that was really
creative," when you do something creative. When you have a good idea,
make a note of it. Gather the evidence for your own intelligence and you'll
start to experience more of it.

32. Brain exercises. Do math in your mind while driving. Think of a new
use for everything you see. Regular use of the brain has been shown to
generate new neuronal growth, and even halt the decline of mental
function that often comes with age.

33. Learn new things. This is another way to exercise the brain. It can
also be done with little time investment if you use books-on-tapes while

34. Walk. Exercise has been shown to benefit the brain, and walking is
one of the best exercises for many. It is low impact, and the rhythmic
nature of it seems to put you in a state that is very conducive to clear
thinking. In fact, carry a tape recorder with you to take notes, and a
twenty minute walk can be a great way to solve problems.

35. Model others. Find others that are creative, intelligent, or very
productive. Do what they do, and think what they think. This is a key
principle of neuro-linguistic programming. Be careful about taking their
advice, though. Successful people often don't really understand why they
are successful. Do what they do, not what they say.

36. Eat fish. Eating fish actually speeds up brain waves, and improves
concentration. Researchers have also found an almost perfect correlation
between intake of fish and lowered levels of depression in the various
countries of the world. The U.S. has 24 times the incidence of depression
as Japan, for example, where fish intake is much higher.

37. Avoid unnecessary arguments. When you defend a position too
vigorously, especially when it is just to "win" the argument, you invest our
ego into it. This is not conducive to the easy acceptance and use of new
information. In other words, you put your mind in a rut, and you dig it
deeper with each argument. Debate can be a valuable thing, but when
the ego takes over, the mind closes a little. This is not a recipe for better

38. Laugh. The release of endorphins caused by laughter lowers stress
levels, which is good for long term brain health. Laughter also tends to
leave you more open to new ideas and thoughts.

39. Play. Stimulating the brain causes measurable changes in the
structure of the brain. New connections are made and new brain cells are
grown. Intellectual play, as well as any playing that involves hand-eye
coordination stimulates the brain.

40. Do puzzles. Crossword puzzles, lateral thinking puzzles, and even
good riddles are a great way to get brain exercise. You can work on them
while waiting for a dentist appointment, or on the bus, if you are short on

41. Sing. When you are alone in your car, try singing about something
you are working on. This taps into and exercises your right brain. Have
you ever noticed how it is easier to rhyme when you sing than when you
just speak or write? This is because the right brain is better at pattern
recognition. By doing this brain exercise regularly you can train yourself
to tap into the power of the right brain. This will make you a more effective
problem-solver. If you doubt the distinction between the hemispheres of
the brain, look at how stutterers can stop stuttering as soon as they start
singing. Try it.

42. Nuts. University students in Brazil and other South American countries
often eat several Brazil nuts before an exam, believing they are good for
their mental power. The evidence is starting to confirm this. Other nuts
that have minerals and amino acids that are beneficial to the brain include
almonds and walnuts.

43. Olive oil. High in mono-unsaturated fat, olive oil has been shown to
improve memory. A cheaper alternative is canola oil, but this hasn't been
studied much yet.

44. Vitamin supplements. In studies, children scored higher on tests when
on a regimen of daily vitamin supplements. "Experts" will tell you that if
you eat a balanced diet, you don't need supplements, which, given the
culture here, is really just a sales pitch for vitamins, isn't it? Who eats a
perfectly balanced diet?

45. Fiber. It isn't just what goes in, but what comes out that is important to
brain function. Toxic build-up in the body and brain can cause "brain fog."
People often report clearer thinking as one of the benefits of curing their

46. Self awareness. This may not seem important to brain power, but it is.
When you know yourself better, you can avoid the usual effects of ego
and emotion in your seemingly "rational" thinking. Or you can at least take
it into account. Watch yourself, especially as you explain things or argue.

47. Motivate yourself. Motivation is as important to mental tasks as it is to
any other. Learn a few simple techniques for self motivation. You can
start with those in Chapter 8.

48. Avoid too much stress. Neuropsychiastrist Richard Restak, M.D., form
the George Washington University School of Medicine and Health
Services, sums up the research thus: "Stress causes brain damage."
Long term stress has repeated been shown to hurt the brain, not to
mention the rest of the body. Learn a few stress reduction techniques if
you get stressed out often.

49. Get educated. Scientists have known for a while that the less
educated get alzheimer's more frequently. Education in any area seems
to make the brain stronger.

50. Avoid too much fat. In laboratory studies, animals consistently learn
slower when they are on a diet high in fat. Type of fat may make a
difference, so you may want to stick to using olive oil and other
non-saturated fats. Saturated fats have been shown to actually stunt the
growth of brain cells.

51. Eat less. Overeating has the immediate effect of redirecting more
blood to the digestive process, leaving less for the brain. Long term, it
can cause arterial obstructions that reduce blood flow to the brain
permanently. In at least one study, rats on a restricted-calorie diet had
more brainpower.

52. Avoid suspect foods. There is evidence that the following foods can
be bad for your brain: Artificial food colorings, artificial sweeteners, colas,
corn syrup, frostings, high-sugar drinks, hydrogenated fats, sugars, white
bread, and any white-flour products.

53. Eat breakfast. When kids who didn't eat breakfast started to eat it,
researchers found that their math scores went up a whole grade on

54. Avoid diabetes. The development of diabetes coincides with a
dropping of IQ scores. In other words, if you want to maintain your brain
power, follow your doctors dietary recommendations for preventing or
treating diabetes.

55. Eat foods high in antioxidants. Antioxidants protect all your cells,
including brain cells. Some of the foods highest in antioxidants include:
prunes, raisins, blueberries, blackberries, garlic, kale, cranberries,
strawberries, spinach, and raspberries. In one test, rats had age-related
mental decline reversed by eating the equivalent of a 1/2 cup of
blueberries per day.

56. Drink wine. In moderation, red wine can be good for the brain, it
seems. It is rich in antioxidants, which protect brain cells. One glass per
day for women and two for men is usually considered a safe and
moderate amount.

57. Use alcohol in moderation. In a study at the University of Indiana
School of Medicine, elderly light drinkers (fewer than 4 drinks per week)
scored higher on tests of thinking abilities than non-drinkers. Those who
drank 10 or more drinks per week scored lower. It is known that alcohol
can kill brain cells, so moderation seems to be the key.

58. Folic acid. According to one study, 200 micrograms of folic acid, the
amount found in 3/4 cup of cooked spinach, alleviates depression and
reverses memory loss.

59. Potential brain foods. Other foods that may be good for your brain
include: Avocados, bananas, lean beef, brewer's yeast. broccoli, brown
rice, brussel sprouts, cantaloupe, cheese, chicken, collard greens, eggs,
flaxseed oil, legumes, oatmeal, oranges, peanut butter, peas, potatoes,
romaine lettuce, salmon, soybeans, spinach, tuna, turkey, wheat germ,
and yogurt.

60. Vitamin E. Jean Carper, in researching her book, "Your Miracle Brain,"
found that many brain researchers are taking 400 I.U.s of vitamin E daily.
It is an antioxidant, and reduces the clogging of blood vessels, including
those going in the brain.

61. Vitamin C. Taken in the form of orange juice in a study at the Texas
Women's University, vitamin C increased the IQ scores of children.

62. Selenium. 100 micrograms of selenium has been shown to be a
mood-elevator. Your brain almost certainly functions better when you are
in a better mood. Foods rich in selenium include Brazil nuts and garlic.

63. Alpha-lipoic acid. Alpha-lipoic acid (10 to 50 milligrams daily) improves
memory and protects nerve cells.

64. Inositol. This is a safe and natural substance that is often grouped
with the B-vitamins. It reduces stress and promotes clear thinking. It
contributes to energy production, and so can "wake you up." Animal
studies show a measurable increase in physical activity for up to five
hours after taking it.

65. Huperzine A. This is a compound extracted from the Chinese club
moss. Researchers both in Israel and the U.S. have used it to treat
alzheimer's. It improves memory and learning an seems to be very safe.

66. Ask questions. This is a great way to keep your brain in shape. Just
get in the habit of asking questions often, even if it is only in your own
mind. Why are taller buildings better? what is the purpose of curbs? Ask
anything that comes to mind, and ponder the possible answers.

67. Sniff basil. This another of the herbs that may be good for your brain.
No studies yet, but many report a brain boost from smelling basil.

68. Temperature. Many people have noted that they think better at
certain temperatures. In general, it seems that being slightly cool, but not
uncomfortable, is most conducive to good thinking. Try experimenting on
yourself to see what temperature works best for you.

69. Use systems. From the time I was ten years old, 12 x 49 was always
(12 x 50) - 12. It's easier to figure in your head this way (588, by the way).
I didn't get any credit for my personal algorithms then, but they are selling
these shortcuts on late-night TV now, because they work. You can find
your own easier ways to do mental math or other mental tasks, or read a
good book on them.

70. Make a brainpower plan. It takes about twenty to thirty days of
repetition to establish new habits, many psychologists will tell you. This
means that when you create your plan for better brainpower, be sure you
plan to use that new problem solving technique, or eat those new brain
foods for at least three weeks. You can use many of the brain boosters
here and get immediate results, but it is creating new habits that will give
you the most brainpower.

By Steve Gillman, from A Book of Secrets.

Think Like a Millionaire

The most important attitude for financial success is long-term thinking.
Successful people think a long way into the future and they adjust their
daily behaviors to assure they achieve their long-term goals. In a
longitudinal study done at Harvard University in the 50s and 60s, they
studied the reasons for upward socio-economic mobility. They were
looking for factors that would predict whether or not an individual or family
was going to move upward and be wealthier in the future than in the

They studied factors like education, intelligence, being born into the right
family, or having the right connections. In every case, they found
individuals who had been born with every blessing in life who did poorly.
They also found individuals who had been born or come to this country
with no advantages at all who had been extremely successful. What was
the distinguishing factor?

They finally determined that there was only one key attitude that
mattered. They called it "Time Perspective." Time perspective refers to
the amount of time that you take into consideration when planning your
day to day activities and when making important decisions in your life.

People with long-time perspective invariably move up economically in the
course of their lifetimes. When you spend weeks, months and years
developing your skills and ability and expanding your experience in order
to be successful, you have long-time perspective. The average
professional person has a time perspective of 10, 15 and 20 years. Begin
to see that everything that you are doing today is part of a long-time
continuum, at the end of which you are going to be financially
independent or financially unfortunate. People with short-time perspective
think only about fun and pleasure in the short term. They have what
economists call "The inability to delay gratification." They have an
irresistible tendency to spend every single penny they earn and
everything that they can borrow.

When you develop long-time perspective, you develop the discipline to
delay gratification and to save your money rather than spending it. The
combination of long-time perspective and delayed gratification puts you
onto the high road to financial independence.

Now, here are two things you can do to develop the attitudes of financially
successful people:

First, think long-term about your financial life. Decide exactly how much
you want to be worth five years, ten years and twenty years from today.
Write it down. Make a plan. Take action on your plan every single day.

Second, develop the ability to delay gratification. Instead of buying
something on impulse, put off buying decisions for a day, a week or even
a month. Decide in advance to "think it over" before you buy anything.
This can change the way you spend money almost immediately.

Thanks to Brian Tracy from for this wonderful bit of wisdom!

Jul 29, 2007

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c-gold Announces Merchant Directory

Commerce Gold

Check out the latest news about c-gold (Commerce Gold) (C-gold) posted on the Digital Money World Blog.

--begin quote--

A company operator’s ability to communicate well with agents & merchants can signal big success for any retail digital currency company. Promoting long term growth by ’showcasing’ merchants and agents can help to build a very successful online operation.

In my opinion, if you operate an online payment system, you should also be featuring your merchants’ products and services. It may seem like a easy enough task but many currency operators either make too small of an effort or completely miss this side of the equation.

Over the years, I have received hundreds email messages asking, “where can I spend it?” Showing users the benefits of digital money means directing them to available products and services that will accept it.

Moneybookers caters to their merchants by offering a nice directory and featuring it prominently on their web site. Webmoney Transfer also has several very good areas and directory listings not only featuring merchants but they also provide a ‘geoservice‘ that lists agents by location (WebMoney territory embraces - 4284 cities in 44 countries). Making merchants, products and agents easier for customers to locate will only enhance your business and create additional growth.

Knowing this fact, I was not surprised to find out today that is the new domain containing the c-gold merchant directory. These operators have a very good understanding of what users need and seem to have no problem delivering the goods.

Are you looking for an exchange agent to fund your c-gold account? Now you can easily find one, its the first category in their directory. I’d watch for this directory to grow in the months and years ahead. I also noticed they incorporated their ‘statistics‘ and ‘exchange rates‘ links right on the index of their directory…nice. There is also a rumor out that they will soon have c-gold classified advertising.

Following up on my recent story, C-gold’s Star Is On The Rise, I’d like to note that yesterday the company moved up into the 4 digit account numbers passing the 999 mark.

Also regarding their walk in store in Malaysia, Robert had this good news, “The first shop front is also coming along nicely, and we hope to open the doors in mid/late August.”

--end quote--

Jul 26, 2007

About BullionVault

Who and what is behind BullionVault?

:: The company

BullionVault is owned by Galmarley Limited [name origin], which is company number 4943684 registered in Great Britain.

You can see a list of shareholders at Companies House on

Our offices are in West London (UK) and we welcome callers by appointment. Our contact details are here.

Our services are delivered by our own computer machinery hosted in separate locations in Britain and USA, which we connect to and manage from our London offices.

Galmarley is involved exclusively in gold and gold related information technology. It owns not only but also

The galmarley site is a free educational resource for researchers seeking information on gold's monetary history, its modern role, and how it is traded around the world. It has grown to become one of the most visited and studied gold resources on the Internet.

Feedback from Galmarley’s many tens of thousands of visitors inspired the development of the BullionVault service.

:: People

BullionVault achieves its significant cost savings for you through automation, which enables Galmarley to operate with a full time staff of just three. They are Paul Tustain (CEO), Alex Edwards, and Kris Jenkins. Click their names for a mini-biography.

All three are very experienced computer professionals with backgrounds in banking and accounting systems, internet and telecommunications networks, operating systems and security. Between them they own 73% of the fully diluted equity of Galmarley.

Naturally we regard ourselves as both trustworthy and capable. But we well understand that many people considering buying gold are justifiably ultra-cautious. This is why we have made BullionVault records open and accessible for your audit; so that all our visitors can see at any time that we are running our business honestly, efficiently and accurately.

We have also further committed to your protection in the capital structure of the company.

:: Capital
Galmarley's capital is arranged in three layers to provide maximum customer protection with maximum management accountability.

Each layer of Galmarley capital is subordinated to you and protects you in front of the capital’s owners.

:: The layers are :-

Approx $1.89m (£1m) convertible redeemable bonds
Approx $1.75m (£0.925m) management bonds (100% owned by the company's officers and founders)
Approx $0.5m (£212k) equity (73% owned by the company's officers)
The equity capital provided the funding for the BullionVault development, while the bond capital provides a pool of cash and gold to enable a deep and liquid gold market on the BullionVault order board.

Consequently the company’s bond liabilities - its only liabilities - are 100% balanced by cash and gold reserves. This figure compares with the 12.5% liquid reserve of most modern banks.

Above and beyond those reserves the equity shareholders reserve is in surplus, meaning the cost of site development has been redeemed to the company in cash. This shareholders' reserve is also employed as cash and gold inventory on the BullionVault order board, further protecting you and bondholders - in that order - with exceptional asset liquidity.

The status of the $1.75m management bonds deliberately puts our management at financial risk. It protects both you and our outside investors – in that order – and personally commits our management to the continued safe and efficient operation of our business.

The convertible redeemable bonds protect you too. They are owned by outside investors in the company who monitor the management of BullionVault and ensure that the management bonds are not risked.

However all this caution in the Galmarley structure is secondary, because the gold you buy on BullionVault and store at Brinks is your outright property. Our structure ensures that the continued prosperity of Galmarley, Lloyds TSB bank, and even Brinks – or their failure – has no impact on your ownership of your gold. You retain the ability to realise its proper market value whatever the future may have in store for us.

:: Biographies
Paul Tustain introduces himself and the BullionVault team.

"Here's some background about us. Because of what we're doing I believe introducing the people behind the company is important.

I graduated as a Computer Scientist. From 1980 to 1986 I worked for an investment company in London as an equities analyst, and then for four more years, to 1990, I specialised in computer systems for financial instrument administration, regulation and risk measurement.

In 1990 - as European share markets were moving to electronic depositaries - I founded SAM Systems to further develop a new type of software which I had designed for administering the electronic settlement of immobilised stocks and shares. My product was selected and used by several of Europe's major banks as their bulk settlement and custody solution for electronically held stocks, shares and currencies. It became one of the most successful solutions in the sector, occasionally processing $120bn a day through CREST - the UK's Central Stock Depository.

I'm still a major shareholder and now non-executive director of SAM.

In 2000 I became an early shareholder in a company called ‘Betfair’. It was founded by my bridge partner who had invented the concept of the 'betting exchange'. Betfair allowed gamblers to back and lay horseracing bets direct with each other, through an innovative internet based exchange system. Although I know nothing about horses I thought it was both fairer and more efficient than the alternatives. In 3 years it grew to dominate 90% of Europe’s on-line horse betting and now turns over approximately $20billion a year. It has become one of the world's biggest internet success stories.

From 2000-2003 I developed a growing interest in gold. I have been published quite widely on the internet on economics, economic history, gold and currencies. I am also the editor and publisher of which (according to my mailbox) is well regarded as a free educational resource on the web for prospective gold buyers. From its inception this site has been collecting data about services gold investors are looking for.

Much of the feedback from Galmarley's web visitors backed up my experience of how incredibly difficult it is for private buyers to set up the facilities to buy gold. This bothered me because the history is clear: accessible bullion ownership has regularly provided the essential defence for people who have saved some money, and would rather not surrender it to the riskier financial practices which tend to develop over time.

So in 2003 I decided the gold market would benefit from the exchange techniques I'd seen work so well at Betfair, compounded with a strongly beefed up approach to efficient administration and investor protection for bullion owners.

The result - BullionVault - brings together my experiences in administration and risk management systems, immobilised assets, electronic settlement, internet based exchanges, and gold.

BullionVault is designed to be something I would choose for myself, with complete confidence, even in times of real international financial crisis. I wanted it to be extremely secure; I wanted it to offer transparently fair terms of business to its customers; and I wanted it to be very good value. I believe it now offers by a considerable margin the best method of buying and securing bullion for gold purchasers all over the world. I use it myself as a secure store of wealth, and I willingly underpin its security for you through our management bonds which guarantee your security against any dishonesty or error at BullionVault.

Let me now introduce my colleagues, each of whom is on the way to owning 6% of BullionVault and is as dedicated to our business as I am.

Alex Edwards graduated in Computer Science from Swansea University and has Masters Degrees in (i) Communications Systems and (ii) Telecommunications Business. He was senior systems analyst at British Telecommunication’s Research & Development Labs for Fraud and Revenue Assurance. He has unique experience of developing advanced artificial intelligence software for monitoring anomolous transaction patterns across a range of networks and systems. He is also an expert on Java development. Alex replied to an advert I put in New Scientist magazine in 2003, and by a happy co-incidence he was already buying gold for himself!

Kris Jenkins holds a degree in Computer Science from Nottingham University. He came straight from University to work for me at my last company, SAM Systems, in 1998. After several years with us he left to travel the world, but I snapped him back up as soon as I heard he had returned. He is the company expert on Unix, web server architecture, databases and real-time accounting and keeps a keen eye on the best software to power our systems.

We are approachable. Let me take this opportunity to invite our users to contact us whenever you like via email, and in person should you choose to visit London.

Paul Tustain - June 2004

:: Responsibility

As the head of the board and majority shareholder Paul Tustain accepts responsibility within the company for organising BullionVault's system controls and arranging individual responsibilities within the BullionVault team, and its custody providers, so as to maximise the security of customers' gold and cash.

In addition to development capital Paul Tustain has provided management bonds to the company which is held as gold and cash segregated in favour of customers. These management bonds are non-refundable except in final liquidation, in which circumstance they rank behind all other customer property for repayment.

The value of equity in the company and this loan would therefore be lost before any BullionVault customer incurred any loss resulting from breaches of faith or security on

This arrangement is structured to underpin the meaning of 'accepting responsibility'.

What are BullionVault's strategic objectives?
BullionVault's objective is to create the world's most cost-effective, secure and accessible market in professional grade gold bullion.

:: We want to do this because :-

We believe there is a deficit of financial responsibility in many modern governments and financial institutions.
We believe that modern currencies and other paper based value systems will inhibit savers from retaining their domestic and worldwide purchasing power.
We believe that using gold to provide protection from this problem is a strategy which has become inaccessible to individuals.
We believe that we are uniquely well qualified to re-build that accessibility and to manage the service in a way which maximises security, accessibility and value for our customers.

There you have it folks, all the info I managed to find about BullionVault. I trust BullionVault enough to put a considerable amount of my wealth with them. I'll let you decide if this is right for you. I hope you do decide to make the smart choice of protecting your financial future and purchase some gold or silver, and in my opinion BullionVault represents the best method that I've come across for direct gold ownership.

Take care everyone.

Now is the perfect time to buy gold

From Chris Mullen at

Gold Prices traded a couple of Dollars higher in Asia on Thursday, but it then began to fall off in late London trade and continued to drop in New York to fall to as low as $659.90 by early afternoon before it bounced back higher in the last hour of trade and ended with a loss of 1.69%.

Silver followed a similar pattern and fell to as low as $12.65 before it rebounded over 1% off its low in afternoon trade and ended with a loss of 1.91%.

The Price of Gold in Euros fell to about €480, platinum lost $3 to $1,315, palladium remained unchanged at $364, and copper rose roughly 4 cents to about $3.61. Gold and silver equities fell over 5% by mid-afternoon, but they then rallied back higher in the last two hours of trade and ended with less than 4% losses.

In the US economy, durable goods orders showed a 1.4% rise in June against 2.0% expected. Initial jobless claims were lower than anticipated for the week-ending last Friday, but new home sales sank, down nearly 7% for the month. The Help Wanted Index also fell.

Friday at 08:30 EST brings second quarter GDP expected at 3.2% and the Chain Deflator expected at 3.4%. At 10AM is Michigan Sentiment for July expected at 91.5.

While some suggested that the Gold Market fell in sympathy with general market weakness, others looked towards the carry trade as the New Zealand central bank raised interest rates to 8.25% on Wednesday night and that encouraged shifts in carry trade positions as evidenced by a strong rally in the Yen on Thursday.

Others pointed to weakening US economic growth that may dampen demand, while still others pointed towards manipulation and blatant price capping to drive prices down especially with options expiring today.

Simple profit taking from the last month's run from roughly $640 to nearly $690 may also have been in order. Whatever the reason, most pundits are quick to point out that sharp drops in the prices of gold and silver as seen in the last two days should be taken as opportunities to add to positions and ride the trend that has only gone up overall for over six years and counting as fundamental reasons to do so have only improved over that time frame.

Those poor economic data and credit worries also sent the Dow, Nasdaq, and S&P dramatically lower and encouraged bond buying that sent the yield on the 10-year under 4.8% for the first time in over two months. The Dow was down over 430 points at one point before it rallied over 100 points from its low of the session, but the major indices still closed with roughly 2% losses.

Oil rose in early trade to as high as $77.24 and topped the Brent crude price for the first time in 5 months in further reaction to yesterday's drop in crude inventories, but it ended the day with a loss of over 1% on concerns over slowing economic growth that may cut into demand. A general flight to cash in all positions also encouraged selling as traders kept an eye on OPEC that my increase production at their next meeting as well.

The US Dollar index fell as the Yen rallied sharply on the unwinding of the carry trade while poor economic data and worries over the credit market also encouraged dollar selling.

The conclusion is simple folks. Now is the time to buy gold while it is cheap.

c-gold is growing at a phenomenal rate

Wow! I am impressed with the phenomenal rate of growth that c-gold (Commerce Gold) has experienced since opening up shop. They've only been in business for roughly two weeks and as you can see from the info below they are just to be a big hit with e-currency users. I think that they have picked a good time to enter into the market since their main competitor e-gold is having some legal issues that will take some time to resolve. In the meantime c-gold is quietly taking market share from them. Anyways, that's about it for now. I mainly wanted you all to get a feel for how quickly this e-currency system is growing. Take care.

Click here to read my other post on c-gold to find out where you can fund your c-gold account.

(as of: 27-Jul-2007 0:51:15 AM GMT)

  • This is a real-time audit utility which calculates and displays the total quantity of
    c-gold in all customer's accounts and total physical bullion backing the currency.
  • All weights displayed are fine weight.
  • You can find c-gold system statistics here
c-gold Balance Summary
Total c-gold in Circulation Physical Gold Bullion Held
6200.0000 (G) 6200.0000 (G)

Physical Bullion Holdings Composition
Item Type Mark Serial Number Purity Fine Weight (G)
2) Bar Credit Suisse BN 6758272 .999 1000
3) Bar Credit Suisse BN 5308572 .999 1000
4) Bar IndoGold 92-007419 .999 100
5) Bar IndoGold 98-103198 .999 1000
6) Bar IndoGold 98-140621 .999 1000
7) Bar Credit Suisse BN 319208 .999 1000
8) Bar IndoGold 94-062811 .999 100
9) Bar Mitsubishi (AsMe) B06098 .999 1000

New traffic exchange site: CashClicking

Hi everyone. Today I want to let you all know about a new manual traffic exchange site with some interesting features that I believe make it stand out above the rest. Basically the benefits of CashClicking can be summed as follows:

Sell credits for cash!
2:1 startpage exchange
5 tier referral program
10% on referrals
Add Multiple Sites
Add Multiple Banners
Tough Anti-Cheating

I really like the sell credit for cash bit, and I'm sure you will too. Anyways, there isn't much more to say other than to encourage you to check out the site.

Scotty, beam me up! :)

Jul 25, 2007

InboxDollars: Get paid to take surveys, shop online and play games!

Good day everyone. I found a new way for you folks to make some easy money. This program called InboxDollars will pay you to take surveys, shop online, and play games.

Here are the benefits you get when joining this site:

$5 to JOIN their site - FREE!
1 to 10 cents for EVERY paid email!
Up to $4 for EVERY Survey Site you join!
Up to $50 for EVERY Offer you complete!
UNLIMITED cash to Play Games!
UNLIMITED cash for Shopping Online!

The minimum payout amount is $30 and you will receive payment via check.

That's all folks. Enjoy your money!

Highest interest rate savings account available in Canada

I bring good news to all you Canadian savers. ICICI Bank Canada has just increased the interest rate on their CAD Savings Account to 4.50% ! This is the highest interest rate savings account available in Canada. Their USD savings rate is not so bad either - 5.0%!

It might interest you to know that this savings account has no minimum requirement and no fees are charged. Also you can link up to 3 external bank accounts to your ICICI savings account. Along with these benifts you can rest assured that your money is safe as ICICI Bank Canada is fully insured by the CDIC (Canadian Deposit Insurance Corporation).

Now for something that is even better. I can provide 25 lucky people with a personal invitation to open a savings account and ICICI will give you $20 FREE. The only requirement is that you open your account with an initial deposit of $100 or more (CAD or USD, it doesn't matter).

To receive your FREE $20 bonus for opening and account, I'm going to ask you to provide me with the following info:

Title (Mr,Miss,etc)
First & Last Name
E-Mail Address
Phone Number

you can e-mail me this info at allinvain at and I'll make sure an ICICI Bank Canada representative calls you to provide you with instructions on how to open up an account.

It's that easy! I look forward to hearing from you!

P.S As I said, only 25 of you will be able to get the $20 bonus so act now.

Jul 24, 2007

Liberty Reserve - Interview with Mr. Joul Lee pt.2

(Q) Who would you consider to be your main competition and why?

There is no system quite like Liberty Reserve, which combines superior account privacy, excellent political jurisdiction, irrevocable payments, and state of the art security.

(Q) Are there any limits to how much money I can fund into a Liberty Reserve account? Are there any limits to the volume of transactions clients can perform?

There are no limits for regular accounts. However, because there are certain financial freedom restricting laws that passed or are contemplated in countries such as Australia and the United States, Liberty Reserve may, in some way, limit the volume, balance, or certain privileges (such as ability to gamble) of accounts of clients in those countries. Any such changes would, of course, be announced in advance, and at no time would Liberty Reserve freeze the value in any account for any reason except receipt of a legitimate court order.

(Q) Your information states that customer accounts all times 100% backed by U.S. dollars for LR-USD accounts and gold bullion for LR-gold accounts? Do you offer any audited balance information or do you have future plans to show monthly or quarterly how much is in the vault?

In the near future, Liberty Reserve will publish an independent accountant’s report, verifying the aggregate value Liberty Reserve’s assets held in trust for its customers, and matching that information to the total balances in Liberty Reserve accounts. This will occur without even the accountant knowing personal information in the accounts, only the balances.

(Q) How long has Liberty Reserve been a member of the GDCA and why do you feel that is important?

The Global Digital Currencies Association - - is the only industry watchdog that consists of voluntary members that agree to be bound by GDCA decisions during arbitration with customers and it allows customers to file complaints against members (and non-members for that matter). We are happy to say that we have no unresolved complaints at the GDCA.

(Q) I am now using Moneybookers and e-gold to accept client funds. Why should I try out or switch to Liberty Reserve?

Liberty Reserve is a true digital currency, completely outside of the United States and other countries that restrict personal financial freedom, including Liberty Reserve’s servers. e-gold cannot say that, and we see, in recent events, where that led to. As for Moneybookers, they are not a true digital currency because they do not allow, like PayPal, the free exchange of their “currency” with other digital currencies, and, like PayPal, they freeze accounts without any court order. This I can tell you from my own experience and the experience of others. Liberty Reserve is also a long-time member of the Global Digital Currencies Association, an industry watchdog that ensures that customers do not get cheated and allows users to file complaints and request arbitration.

(Q) Do you maintain any sort of directory displaying Liberty Reserve businesses and helping to promote agents and companies which currently accept Liberty Reserve?

Liberty Reserve actively seeks to promote any legitimate merchant that accepts Liberty Reserve. We have a directory where merchants that bear our logo may request to be listed.

(Q) Where is the server located housing the Liberty Reserve web site.

There is more than one site for the Liberty Reserve servers. One place is in Europe, the other location is secret.

(Q) How do your account and transaction fees compare with the competition?

Liberty Reserve has a maximum transfer fee of 25 cents ($0.25). For funding and outexchanges, the fees are set by the independent exchange providers. Currently, though, even the 25 cent fee is waived, so all internal transfers are free.

(Q) Opening an account I know is free at Liberty Reserve. How much does it cost in fees to operate the account and transact business?

The best way to answer this question is to give an example. We have a customer,, who agreed in advance to be mentioned here (and commensurate with our strategy to promote our merchants). They have been a Liberty Reserve client for years. They sell mostly electronics and other popular goods on the internet. They used to accept credit cards for a short while, which cost them about $500 per month based on their volume, plus another $1,000.00 or so in fraudulent charge-backs and other fees for a total of approximately $1,500.00 in monthly costs. After switching to digital currencies, including Liberty Reserve, their monthly costs amount to about $5.00, for a total cost savings of about $1,495.00 per month. As I understand it, they pass on these savings to their customers, offering discounts if customers pay via Liberty Reserve.

(Q) I see that you offer a type of transaction entitled, “Optional Anonymous Internal Payment”. Is this option popular with users? Why do you feel that is important to customers?

This was a feature that was requested a few years ago by a few customers that wanted additional privacy. For example, if you pay someone for goods or services with other digital currencies your account number is displayed in the history of the recipient of the funds. Hackers or other malicious individuals will know your account number. Also, it is a good idea for making anonymous donations to charity. At Liberty Reserve, using the anonymous payment feature, your account number is not known to the recipient of the funds. We, at Liberty Reserve, are always looking for ways to meet the demands of clients to enhance their financial privacy and security.

(Q) I did not see a ‘Liberty Reserve’ debit card. Do you have any plans to offer such a product?

Liberty Reserve’s business is making it the best, most secure, and trusted payment system in the world. That is our only goal and business model. We encourage exchangers and other companies to provide any collateral services that our clients may require, which creates many opportunities for Liberty Reserve merchants. It is a synergistic strategy.

(Q) For people reading this who want to earn money using the Internet, do you offer a paying referral program? If so, how do you pay the affiliates?

We offer one of the most competitive referral programs in the industry. Affiliates are paid instantly into their Liberty Reserve accounts. A two tier referral system is also in the works. Thank you for giving me the opportunity to answer your questions and inform your fine readers about Liberty Reserve. Joul Lee marketing(at)

--end of interview--

In case you somehow missed the first interview, here is a clue; it is right below this one :)

Liberty Reserve - Interview with Mr. Joul Lee pt.1

Liberty Reserve is a 100% irrevocable payment system and digital currency. Liberty Reserve customer funds are protected by an offshore Trust, and at all times accounts are 100% backed by U.S. dollars for LR-USD accounts and gold bullion for LR-gold accounts and Euros for LR-Euro accounts. Customer privacy, security and absolute confidentiality are top priorities for the management and staff at Liberty Reserve. Incorporated in Costa Rica this organization is also a long time member of the Global Digital Currencies Association.

(Q) How long has has Liberty Reserve been in operation?

Liberty Reserve (LR) started as a private currency exchange system for import/export businesses that was later open to the pubic as it became more popular. It is functioning publicly since 2001.

(Q) Let’s pretend I’m a new customer asking about Liberty Reserve. I’m thinking of adding it to my 60 online retail sales web and giving you a lot of new business. Please list some reasons I should add Liberty Reserve to my business plan & convince me I should be doing business with Liberty Reserve.

Liberty Reserve is a one-stop, all inclusive, merchant facility where any online business, no matter in which country situated, can accept payments from anyone in the world. Liberty Reserve has exchange providers that accept deposits in Europe, Asia, United States, Australia, Central and Latin America, etc., and the number of agents is growing. LR also does not compete with exchangers by running its own exchange, unlike other digital currencies. This way, 100% of all volume passes via independent exchange providers who have no fear that LR will steal their clients. All this, plus our low rates and superior privacy and friendly jurisdiction is why Liberty Reserve is growing so fast already. It basically sells itself by word of mouth. Within a month, LR will add LR-Gold and LR-Euro.

(Q) Can I buy Liberty Reserve digital currency directly from your Company web?

Unlike other digital currencies that have gone out of business due to fraud and the like, we do not accept such risks. Liberty Reserve is a trust that holds assets for the benefit of the account holders. That is all that it does. In order to fund or outexchange value from a Liberty Reserve account, customers need to use an independent exchange provider.

(Q) In my opinion, the most important qualities which define a ‘digital currency’ are these three items (1) All transactions are final. (2) Can be bought or sold through a third party independent agent. (3) Can be exchanged for other digital currency also by an agent. Does LR meet these requirements?

Fortunately, Liberty Reserve is defined by the above three criteria, with an added benefit of extra security and privacy.

(Q) Does Liberty Reserve offer a Shopping Cart Interface (SCI) or some way for merchants to integrate your payment system into their retail web sites?

Yes. Liberty Reserve’s SCI and API are one of the most advanced in the industry. Both API and SCI offer all necessary notifications via e-mail and/or over secure protocol.

(Q) I see your web site provides SSL as do all other financial web sites but what other technical tools does Liberty Reserve offer to protect clients while accessing their accounts?

After two years of development and vigorous tests, most of advanced security features of new Liberty Reserve are well integrated into our system on the programming level, and can not be disclosed for obvious reasons. Among a few that we can mention are: third generation dual login system, advanced geographical region identification, IP and browser lock, personal welcome message, and many more. Feel free to visit our web site for more information.

(Q) Does Liberty Reserve allow HYIP type ‘investments’ or auto surf programs?

Liberty Reserve does not “allow” any activity that is illegal in the users’ own location. However, it is impractical to monitor every account for signs of trouble (not to mention illegal in some countries and unethical and costly). Liberty Reserve management will never become judge and jury over what accounts are good and what accounts are bad. We respond only to legitimate court orders or where we have direct knowledge of activity that is illegal in Costa Rica or that is in violation of Liberty Reserve’s terms of service.

That is not to say that Liberty Reserve does not do anything to warn its users, before they open an account, about the dangers and/or pitfalls on the internet. To wit, we display this excerpt from our terms of service in BOLD for everyone wishing to open an account:

“2.4.3 User understands and acknowledges that user is aware that Liberty Reserve spends are irrevocable and that user agrees to follow the policy of buyer beware (”Caveat Emptor”) when using Liberty Reserve at various merchant sites, especially merchants such as gaming or gambling or “HYIP” and other types of investment or chance games or matrixes or Ponzis (pyramid schemes), which are identifiable by their promises of extremely high (more than 1% per day) rates of return, and that should user still wish to deal with such merchants that it is at user’s own risk.”

(Q) Do you have an Anti Money Laundering policy and do you actively work to prevent the use of your digital currency for illegal operations?

Liberty Reserve posts its rules and procedures in its Terms of Service. We comply with legitimate law enforcement requests for information (we do not comply with fishing expeditions, where some foreign government agency may ask for a list of accounts or other information without stating a specific reason and court order). We comply with the laws of Costa Rica.

(Q) How many independent agents currently transact in Liberty Reserve? Can I use a credit card to buy Liberty Reserve from any of these agents?

There are currently many agents that buy and sell Liberty Reserve, and I know that at least one of them accepts credit cards.

(Q) How do you keep Liberty Reserve client information private and protected?

All information collected by Liberty Reserve is encrypted and can not be decrypted without unique keys located on separate servers. In a very unlikely event, when even our server gets physically stolen, the information is useless without unique encryption algorithms and keys, which are located off site.

To Be Continued...Click here to read the second part of the interview.

Jul 23, 2007

The Philosophy of Liberty

The philosophy of liberty is based on self-ownership. This simple but elegant and hard-hitting animation will explain exactly what that means. It's a great tool anyone can use to educate children and adults about our right to life, liberty, and the property we create - and our responsibility to think, speak and act.

A DVD version of this video can be downloaded for free at:

Wayne Palmer on Creative Financing

In this video Wayne Palmer is a guest of Robert Kiyosaki at an real estate investors seminar and he talks about some creative financing techniques. Enjoy.

Rich Dad Poor Dad With Robert Kiyosaki

I'm back with another Robert Kiyosaki video. Unfortunately this time I was not able to embed the video in my blog, but I've included a direct link to the video below (opens in a new window) Oh, by the way the video was released by PBS and is entitled " Rich Dad Poor Dad With Robert Kiyosaki". Also, it is 41 m in length.

You can view this video by clicking over here.

Robert Kiyosaki - Secrets of the Rich

Good morning everyone! Here is another video in my financial education series. This one is by Robert Kiyosaki, who is the widely popular author of "Rich Dad, Poor Dad" and other financial education books. I pretty much listened to audio-book versions of ALL of his books and lectures. I have learned a lot and I credit Mr. Kiyosaki with motivating me to invest in real estate. If you are serious about understanding about making money you first need to get yourself a financial education. No, I do not mean that you need get a MBA (although that wouldn't hurt either), but you have to gain at least a basic understanding of the world of finance and be comfortable with financial terms. This video and others that I will be posting are a good start and I highly recommend that you watch them, and once they've peaked your interest I'd strongly suggest you continue your education by purchasing some good financial books. Stay tuned here as I'll be posting a lot more Robert Kiyosaki videos and also some real estate investing videos.

A bit of an warning: This video is undeniably a promotional video for Robert's "cashflow" financial education board game but still it contains some good but very basic financial advice.

That's all for now. Enjoy the video!

Jul 20, 2007

Jones on Gold and Silver

Veteran gold and silver trader comments on coming economic collapse and the need to own gold and silver coins in lieu of paper money

In Debt We Trust

We take a look at a new documentary by veteran journalist and media critic Danny Schechter called "In Debt We Trust: America Before the Bubble Burst." The film shows how "the mall replaced the factory as America's dominant economic engine and how big banks and credit card companies buy our Congress and drive us into what a former major bank economist calls modern serfdom."

The Economy in crisis

Here is a video that talks about the current state of the United States economy. This video clearly does not paint a rosy picture at all. One thing that I did not like about this video is that it subtly pushes socialist ideology, but still, I believe that we should take in all viewpoints and make up our own minds. Enjoy.

My next video presentation will be about DEBT. Yes, debt, the virus that plagues to many of us.

Congressman Ron Paul on The Korelin Economics Report

Those of you interested in hard-money investing (gold, silver, etc) might find these videos interesting

Part 1:

Part 2:

Part 3:

The Money Trap - How the banks lure you into debt (BBC Panorama 2006)

Panorama has fresh revelations about the lending practices of the high street banks. An insider reveals an industry driven by ambitious targets to sell borrowing to customers.

Enjoy! Oh, and try to stay out of debt :).

Jul 19, 2007

e-currency exchangers that offer c-gold as an option

Hi everybody. In some of my previous posts I introduced you all to a new e-currency called c-gold, however, at the time I was not aware of any exchanger business that offered to sell/buy c-gold. Well, I'm glad to announce that I've found at least two e-currency exchangers that offer c-gold as an option. I will add more as I find them. For now below you will find two exchangers that offer c-gold. or

If you don't have a c-gold account just click on any of the c-gold links littered throughout this post :)