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Forex Secret – Forex Literature As A 90-95% Of The Traders Loose Their Deposit (Part I)

Avatar Of Rajesh Khanna



This delusion globally entails identical aftermaths: 90-95% of traders turn steady to loose their deposits having studied books by Bill Williams, Alexander Elder, Thomas Demark, J. Schwager, et al.

Following the burn down of their first deposit trader’s plunge themselves again into scrutinizing Forex scholars, in this manner suffering losses of the second, the third and subsequent deposit. I will hereinafter try to elucidate where from the above regularity grows, so that no trader repeats his forerunners’ mistakes.

This statistics is common knowledge: 90% of traders constitute Forex losers… But the figure has always been giving rise to a leviathan of my doubts. It isn’t because of somewhat different 95%-5% loser-to-winner ratio quoted in the Van Tarp and Brian June “Intraday trading: secrets of mastership”. With 90% quoted universally, there naturally emerges the question, as to whether there is someone capable to check, to specify or to disprove the above figure.

NO ONE IS, besides the directors of largest Western banks providing streamline Forex quotes, but having never raised the issue.

WHY? Because should this statistics be published, there will be sharp and ultimate decline in number of those chasing easy profits from the world Forex market. Otherwise banks would not keep mum in advertising purposes. Neither would they be silent if losers constituted at least by few points less than 90%. In any advertising, customer attraction is ensured by quoting beneficial maxima and non-lucrative minima. This has always been, is being and will always be a universal practice.

As a conclusion, 10% Forex winners is a maximum result among traders. It’s them, who have understood Forex market absolutely simple truisms and who attained steady daily earnings in amounts being gained by others within years or even the whole of life.

Certainly, those are to be recollected, who in late 80s were the first in the ex-USSR to grasp laws of commerce and who began accumulating their initial stock. The rules used to be so simple that presently any schoolboy or a first-year student can show the way the capital might have been easily scraped up and augmented on the USSR debris and in the course of market relations being established in the post-Soviet space.

I do exactly allow for the fact that through the years a new generation will be laughing at the way we are now incapable to comprehend the laws, where under currency rates either spike up or fall down, all of a sudden.

With this provision, those seeking fast money at Forex have a much greater time limit than the ones engaged in capital building in the post-Soviet space (Forex market is incommensurably greater than that in the ex-USSR), but not to the extent thought by many.

By now trends are thoroughly less numerous than they used to be 10-20 years ago. By way of taking a glance the charts history You are in the position to understand the way traders used to earn under 20- 40 pts spread, commission and slippage. A trend was followed by a trend at that epoch.

AND WHAT’S NOW? Nowadays many of traders are impotent to gain under 3 pts spread without commission and slippage.

Thus, this book is intended for those willing to perceive Forex market laws.

In order to get understanding of the way 5-10% of successful traders obtain profits, let’s at the outset analyze the reasons and the way the outstanding 90% of traders suffer losses. The 90%-figure looks scaring, to say nothing of 95% or 98%. It occurs despite the amount of literature on the issue equals to hundreds of fundamental books, written by authors, having gained capitals expressed by means of more than 7-digit figures (G. Soros, B. Williams, A. Elder, T. Demark).

Thus, the above minimum of 90% of smart, well-read, broad-knowledged people:

– scrutinize the really great traders’ heritage;

– open accounts with Forex Broker’s and banks, start trading and…

– loose funds up to complete rout!

AND WHERE’S THE LOGIC? The answer springs to mind by itself… There’s something wrong in the literature (by the way, recognized throughout the world, where the deposit-killing statistics is as disappointing as it is in our country) so long as its studying yields such oppressive results.

STRANGE? No, rather natural, than strange on account of the following:

1. Being a great trader is not indicative of everyone being a great teacher.

2. Multitude of rules elaborated by scholars 10-40 years ago, has grown obsolete, since the Forex market is changing.

3. The scholars HAVE NOT revealed ALL the secrets even WITHIN THE FRAMEWORK OF THE THEN

FOREX, therefore by now their advice and recommendation turn out either obsolete or naïve.

Thus, once one’s advice and recommendations bring every 9 of 10 market participants to loose their money in each country, where one’s books have used to be published and have enjoyed all sorts of hosanna in the press, THEN ONE IS NONE OF A TEACHER.

Naturally, no trader will reveal his professional secrets to the full. But when studying Forex literature one gets astonished by a negligible extent the above secrets are “confided” at all, with a book on Forex containing 99% of common truth and 1% only of useful novelties. But should one train up even several thousands perspective traders, one will in no way burden oneself with competitors, due to the Forex market huge sale nature. Beyond a shadow of a doubt the above traders are really great. You may agree or not, but anyone, having earned USD1 bn or more, deserves being named “great”. So, one’s books should be published as memoirs. I am not attaching any irony hereto, since these persons have acquired gains by virtue of their minds and labor, as opposite to Rockfellers, who inherited their fortunes or to Russian oligarchs, who either stole or got their capitals dirt-cheap from state authorities.

Hopefully, understandable is the difference between such editions and manuals for beginners.

G. Kasparov, say, is far from writing manuals for chess beginners, since the job can be better completed by others with this fact not at all undermining Kasparov’s being a great chess player. And his advice and recommendation is sure to be of interest rather to a close circle of grand masters, than to those having touched the chess for the first time.

Actually Kasparov is but to be respected for not being tempted by the lust for fast money, by virtue of his name in the chess world and by way of cooking up manuals for beginners.

At Forex, by contrast, and for some reason, everyone deems oneself a teacher, which fact results in millions educated people worldwide leaving stock market being disappointed, angry with an inferiority complex life-time pursuit.

And hence, the unanswered question for them: is that all a fraud or not, since gains are midget, whereas losses are titanic?

I am recalling the book titled “The Alchemy of Finance” by G. Soros (the one I’ve read in early 90-s). I admit, it’s interesting, instructive…, but it is all narrated in so an inarticulate and tangled manner. As indicated in the foreword by an American investor, the theory has hardly been understood by few only.

So what’s the use of writing in such a manner? A theory may generally be complicated to any extent, BUT IT MUST BE wrapped in a simple, clear and understandable wording.

You are welcome to attempt to read the above book once You have time to. Shortly, the Soros reflexivity theory of the countries’ cyclic development may easily bear a couple-sentence confinement:

1. Following liberation from totalitarian yoke, a country is granted credits, then, there is a rapid growth and flourish of economy.

2. As soon as the above credits are to be paid back, a country’s economy faces a natural recession.

Is it as difficult? The question may be addressed to a schoolboy (to say nothing of an American investor): when should those countries’ companies’ shares be purchased and when they are to be advantageously sold in order to acquire maximum profit? What’s going to happen in case one is too late to sell the shares, shortly exhibiting an impetuous growth in price?

Propounded long before, the Soros theory has been entirely corroborated in August, 98 by the dismal practice established in Asian and Pacific countries and later in Russia.

There still is another question: how inarticulate should Soros have been to enable his theory to be grasped by few only?

The second part of the book is not worth retelling. Reading its original is sure to be much more instructive with my annotation leaving no conundrums therein.

The theory is permeated by Soros’s strategy: enter long on what’s shortly going to enjoy price growth with a 100% probability and “pull out” Your money along with profits before the companies enter crisis, thus facilitating bankruptcies thereof.

This is the way I clearly lecture my students on Forex-related complexities, thus conveying my logics to them. Despite its own complexities (news, TA, corrective actions, etc.), Forex is essentially reduced to a very simple truth: at a certain moment one should not be late with going long or short on a currency with “tertium non datum”.

And when asked if the Williams Alligator needs something to be added thereto, the majority of my students reply “Yes!”, indicating what exactly is to be added.

I’ll present a detailed vivisection of the issue in a separate chapter by way of proving that the Williams Alligator is but 50% effective.

Fig. 4. H1 EUR chart as of April 12, 2005. (See Note below)

The Alligator’s jaws display upward opening with a fractal formed at 1.3006. According to Williams, one should enter long one point higher, i.e. at 1.3007. Upward motion continues extra 11 points. Then the rate sharply swivels to fall down by 170 pts.

Another example.

Fig. 5. H1 EUR chart as of April 22, 2005. (See Note below)

Please, figure out 1.3094, 16 pts above the previous fractal, following the Alligator upward opening. Thereafter, a sharp down swivel covering 140 pts.

Hundreds of similar examples may be drawn. But what are the implications?

With the Alligator’s mouth opened, 50% of entries should be pro-Williams while the outstanding 50% – counter-Williams (i.e. vectored opposite to the Alligator mouth opening). When embarking on Forex, You must possess clear knowledge of the difference between either of the above 50%-portions. Otherwise…, You are doomed to loose even if You follow Williams’s technique, let alone other ones.

Even my students are in the position to advise what is to be added to Alligator in order to realize proper entry vectoring. Least of all would I want this example to be taken as a personal criticism of Bill Williams, whose contribution to the Forex theory is a significant one. And the majority of traders, like me, used to begin earning after studying HIS books. But not to go astray…, even without any addenda Williams managed to make a tremendous fortune, since a skilled trader (moreover being the Alligator’s father) is capable to differentiate between a steady travel and a pullback, or, say, a flat, or, visa versa, a trend low for the entry to be vectored oppositely. It is all fairly understandable for an experienced trader. But what about beginners as regards their interpretation of a flat, a recovery or a trend change?

These folks are sure to require assistance, especially, in information not presented in literature on Forex.

Without this knowledge a trader will never perceive the ABCs of stable daily earnings. But why the Forex scholars do not clear out the issue? This query is to be addressed to them, not to me. While reading these opuses, I am getting horrified at the fact that we are being foisted expensive high-sounding titled books, which are not going to ever teach a trader how to attain profits at the market.

Let’s open one of them (E. Nayman’s “Trader’s Minor Encyclopedia” and “Master-trading: Secret Files”) to get the understanding of the way almost all the books on Forex are written and supposed to have the price of USD20-100.

You may agree or not, but the name looks very beautiful and pretentious: “Master-trading: Secret Files”, 320 pages of sheer secrets…

HOWEVER, I HAVEN’T FOUND ANY SECRETS THERE! You are welcome to discuss an argue Yourself:

1. “The interrelation between fundamental factors and exchange rate dynamics” being a detailed story of how a country’s macroeconomic growing, benign rumors trading and political stability promote the exchange rate growth.

A “valuable” secret to be practically encountered in any Forex edition. But below is a real FA secret (not paid any attention to by Nayman): why does currency use to reverse against its country’s economic news? A whole chapter here will be dedicated to the issue.

2. “Construction of two moving averages on a single chart and twin combinations thereof”. The author furnishes a “wise” recommendation: entries should be made in the direction the MAs diverge (adding secretly that the most effective MA combination is 21, 55, 89, etc., as per Fibonacci).

The pseudo-secret nature of the above recommendation underlies the fact that any MA combination (should it be 21+55, as the author’s; 10+20 as in many Western trading systems; 5+8+13 as per B. Williams or 1+21 as used by numerous traders) yields the same results.

Ok. It all looks great. However, E. Nayman et al., seem to have circumvented the MA intersection chief secret, through which traders suffer constant losses: a “lighter” MA has crossed a “heavier” one, say, upwards, but… thereafter there is sharp downturn resulting in the MAs intersection again.

Fig. 6. GBPUSD H1 chart as of April, 21-26, 2005. (See Note below)

A fivefold reciprocating crossing of MA 21 and 55. You are welcome to calculate traders’ losses.

Now, let’s call it a day with examples. The MA intersection technique operates perfectly in certain circumstances, while turning out impotent in others, thus inflicting losses upon traders. No criteria have ever been stipulated by Forex scholars as to entries to be effected pro- or counter-divergence of moving averages.

3. MACD construction and analysis. What sort of secret may one expect from the following statement of Nayman’s: “a subsequent high being lower than the preceding one suggests a bullish trend depletion or even its changing with the same being visa versa under minimum MACD values”. Much of a secret, isn’t it? I thought it were the MACD operation principle, familiar to any Forex novice. The secret-fancier B. Williams hasn’t even taken effort to advise to perform inputs change from 9, 12, 26 into 5, 34, 5 to provide for a lag killer.

Assuming the above, authentic MACD secrets are not paid any attention to by scholar, which fact inflicts losses upon traders. The situation comes into effect, when upon a divergence formation, no trend change is observed with another same-trend wave taking place instead.

Fig. 7. GBPUSD H1 chart as of April, 2005, where MA21 crosses MA55 with slight rise and sharp downturn. (See Note below)

Another example:

Fig. 8. GBPUSD H1 chart as of May, 2005: a divergence with MA10 upward crossing MA21; a brief nudge up to 1.8916 and a sharp downturn. (See Note below)

As different from Nayman and other Forex scholars, we’ll touch in detail upon the ways to detect when MACD is trustworthy as a trend reversal attribute and when it is not.

4. TA classical patterns. One can not help smiling at the author sharing a secret of “head’n’shoulders” and “double bottom” patterns, being studied by beginners at the earliest lectures on Forex.

And here goes a real key secret: in what cases the patterns are indeed indicative of a reversal but in what cases brokers trap TA pattern-fanciers? Is there someone doubting the fact that patterns are known not only to traders, but as well to brokers with their mouths watering to make a rod for the backs of lovers and connoisseurs of the above patterns, just like on the sample chart below:

Fig. 9. GBPUSD H1 chart as of May, 09-11, 2005, a classical “inverted H&S” (See Note below)

At 1.8871 there’s an impetuous upward breakthrough, the Alligator rotating upwards, MACD above zero, MA8 having intersected MA21 upwards, the Williams vaunted Awesome Oscillator signaling long entry, the Accelerator Oscillator pointing up… nevertheless, the rate reaches as far as 1.8916 and slips down to 1.8481 by 450 pts.

To be noted: much worth scrutinizing is the phenomenon of Nayman’s “Trader’s Minor Encyclopedia” and “Master-trading: secret files” purported at understanding why over 90% of traders turn losers after reading the books.

The solution, to my mind, is that the above opuses are but good “ABCs OF FOREX” thus giving birth to all Nayman’s merits and demerits.

The guy is primarily awardable for having spared beginners’ paying USD50-200 to various Forex training courses or academies. Instead, one can download and study Nayman’s books, whose extracts are, by the way, quoted to trainees during their studies.

Nayman is generally to be expressed gratitude to, because of his having laid out the Forex basic course in a competent, popular and accessible way.

This is the point, I elucidate to every beginner, being introduced to me: first one should scrutinize Nayman’s books, then only it’s worth discussing hooks and crooks of earning at Forex instead of losing.

Nevertheless, there is a chief Nayman’s self-delusion about his folios really being in no way secret files with no one being able to find anything new to enable oneself to improve one’s Forex earnings. These books containing neither unique techniques nor non-standard solutions are famous for the generalization and systematization of what has been the Forex knowledge prior to Nayman.

But this fact is not realized by majority gripped by the “Master-trading: Secret Files” fascination, who open live accounts and turn losers inevitably.

Shortly upon their pre-mature success on demo accounts these folks hastened to open live accounts and faced losses. But since the Dealers’ staff managed to convince them in the incidental nature of the above losses, the folks ventured to go live again and did again turn to be deposit killers.

With these facts being proclaimed, I don’t hold it appropriate to call any statistics science for help. Any sensible man is to get the understanding of the above losses as not being of an incidental nature.

There could be NO OTHER WAY about it.

The next trader training level comprises books by B. Williams: “Trading Chaos” and “New aspects of exchange trading”, where the author propounds his own Forex trading methods along with advertising the other ones’, viz. Elliott’s.

My book, “Secrets Of Craftsmanship Narrated By Professional Trader Or What B. Williams and E. Nayman Have Concealed From Traders” is purported at developing of THAT particular school of training traders to practical operation at Forex.

Hardly will anyone object to the fact that B. Williams will disclose his Forex intimacies free of charge. Neither will he furnish their 100% disclosure after being paid to.

In all his splendor, Williams possessed sufficient knowledge to;

– to share A PORTION of his secrets in his “Trading Chaos”;

– to share A PORTION of his secrets as a paid training;

– not to share A PORTION of his secrets in the least.

My book, “Secrets Of Craftsmanship Narrated By Professional Trader Or What B. Williams and E. Nayman Have Concealed From Traders” is also dedicated to teaching how the Williams secret methods are to be decoded properly to ensure successful Forex trading capabilities.

Each of my book’s 20 chapters is permeated with a common logic aimed at finding relevant discrepancies in literature on Forex and at presenting my personal technique of Forex trading.

B. Williams declares being capable of analyzing tens of currency pairs (of 140-bar history each) that within tens of minutes, but in no way does he explain how to, whereas, I explain, that it’s feasible for any wide-screen trader, provided my computer monitor being 3-currency capable only (see: “Ally and adversary currencies”).

B. Williams sings about his magic Alligator, while I disclose and eliminate its pitfalls by, say, adding a MA233 thereto. This arrangement visualizes the whole of the 4 potential currency travel options: up/down above MA233; up/down under MA233.

B. Williams lists a stop-loss to be a “safety cushion”, whereas I disclose and eliminate its shortcomings by way of alternatively using my own pending orders.

B. Williams hold trades volume to be authentic resistance breakthrough criterion, while I quote reasons by which trades volume turns to be deceptive on Metatrader platforms (thanks to the banks Consortium) and I introduce my own levels true/false breach criteria.

Now, regarding trading on news, I demonstrate the way one can turn a loser if trade like all the others and I offer my own on-news trading style.

(See continuation of this article under name Forex Secret. Forex Literature As A 90-95% Of The Traders Loose Their Deposit. (Part II)


Full text of this article and pictures of examples

If you wish to be trained on Trading System Masterforex-V – one of new and most effective techniques of trade on Forex in the world visit



The Hike To Hidden Pond Songbird Trail

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Hidden Pond Songbird Tail is one of the short hikes that was established by the Corps of Engineers. It takes less than a mile to trek this short trail with little elevation. The site is situated in the Reregulation Dam Recreation Area right on the west section of Carters Lake. Carters Lake is also a known recreation spot for individuals who want to take a break from some frequented areas on this trail. Along the way you will pass Georgia Road’s remnant that was built back in 1804 during the Treaty of Telico. After Andre Jackson and his battalion did some work on this road in 1819, this had then been called the old Federal Highway.

The Cherokee and farmers in the past have also used some trees along this trail as path markers. On the Trail of Tears, the Cherokee left this area and by 1977 a dam was created which then created a reregulation form near the Coosawattee River and Carters Lake. The trail moves along hugging the dam for at the reregulation pool.

From the south parking lot pace towards the marked trailhead found at the entrance of Carters Lake Dam. Just beyond this marker the trail splits into two paths. Take the right trail across the bridge as the treadway ascends to a moderately steep hill. From here the path returns to the original trail and then you will cross a longer bridge that takes you a closer view of the marsh. Along this path you will see several bird species including an osprey, wild turkey, and a hawk. Other wildlife such as raccoon, turtles, opossum, and white-tailed deer can be spotted here. Move past this and then turn right at the end of the bridge as the footpath swerves back to the original trail.

The end of the saddleback that formed Carters Lake can be seen at your left. Continue along this path reaching the beaver pond which was built by the Corps of Engineers with multiple viewing blinds for bird watching. This lake is home to many species of bird that inhabited the area for several centuries. There are great spots in this South Regulation Dam Park that is best for fishing and picnics. However, if you opt for a longer trek, there are other trails nearby such as the Big Acorn Nature Trail and the Rock Nature Trail which are both accessible at the Carters Lake Visitor Center.

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How to Get Back on Your Feet After Debt Settlement

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Getting back on your feet after any financial setback can seem like a daunting task, but I assure you that you can do this. The most important thing to remember is where you just came from and what it took for you to win financial freedom from your debts! Never forget the past and learning from it are powerful tools and great motivation to carry forward. Getting back on your feet financially requires all your focus and constant monitoring and review. Here’s how to get back on your feet after debt settlement:

1. Consult with your tax professional. You should have done this before you negotiated the settlement of your debts and that IRS Form 1099 should come as no surprise. Be sure you have done your income tax planning so you don’t wind up owing the IRS!

2. Build an Emergency Fund: I’m a huge fan of the Dave Ramsey program, for the most part. One of my favorite tools that Dave always advises that we start with what he calls a “murphy account.” Murphy’s law says that anything that can go wrong will. So, a murphy account is a savings account that you immediately set up with a minimum amount of $1,000.00 and continue to build this savings. Then, when Murphy comes calling and you get a flat tire, need car repairs, a new fridge, or dental work; you can use this emergency fund for these events. If you use this account, then you must work hard to replace those funds for the next time.

Gone are the days of having a credit card for emergencies and didn’t you just learn how hard it is to get out of debt? So, why go back? Make a promise to yourself that you’ll never go back. You don’t have to anyway with an emergency fund [aka a Murphy Account].

3. Live and Die by the Budget! There is no magic bullet, no pill you can take and no ‘get rich quick’ scheme that will magically transport you to your financial goals. The only way to ever get ahead financially is the spend less than what you make, period. A budget is a requirement and there is no way around this. Make it fun by doing what Dave Ramsey calls ‘prespending’ your money before you even get it. Review your budget every month to see where your money is going. Over time, you’ll begin to see patterns in your spending and look at each bill and ask how you might reduce it.

Examples include unplugging appliances to reduce your electric bill; cut out those extra television channels; ask your insurance agent whether you need that additional insurance; learn to do a mini version of your own ‘extreme coupon’ game to save at the grocery store.

4. Plan for your Future. No one can do this for you and I certainly don’t expect to live well on Social Security alone, if at all. Many financial experts provide complimentary consultations and you’ll need to at least take advantage of asking questions that will help you set your goals. You may be working hard to pay off a mortgage, send kids to college, build up a retirement account, etc.

Having the right insurance policies and the right amount of insurance coverage is also important to protect everything from your health to all of your assets. Speaking of assets, have you also considered that dreaded estate planning conversation? Stop avoiding your financial responsibility and set out your plan in writing.

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When You Have Found the Remedy to Defend Against Fraudulent Wrongful Foreclosure: Stop Researching!

Avatar Of Rajesh Khanna



“I needed a drink, I needed a lot of life insurance, I needed a vacation, I needed a home in the country. What I had was a coat, a hat and a gun. I put them on and went out of the room.”

Raymond Chandler Farewell, My Lovely

I have people who have contacted me over the years and for one reason or another they have not used my services fully or never decided what they want to do or what they can afford. A few have contacted me many times to run ideas by me or ask for simple advice.

At the present I have so very little time that though I do try to help out with what I know, I can only help as long as it doesn’t consume much time. Actually, I usually enjoy these conversations as these are people who have done a lot of research and they often give me something useful.

But, overall the problem I have with some borrowers is that they are constantly looking for the magic bullet that will finally enlighten the judge. The judge will see that he or she has missed the point and that the borrower is the party in interest. The only conclusion the judge can come to is that the foreclosing party actually never had any true part in the loan at closing or ever. Sounds too much like a TV show doesn’t it?

It is true that the vast majority of foreclosures are wrongful and illegal. The judges in these courts start from the very beginning to place the burden of proof on the borrower and that is adverse to what the constitution says about burden of proof. It is the moving party, in this situation that is the foreclosing party, that must bear the responsibility proving that it has the right to bring the case before any court.

The courts want the nonmovant borrower to prove that he or she have not caused injury to the foreclosing party. However, in actuality, the court has the burden to review the original pleadings of the foreclosing party and determine if that party has, in fact, asserted any true and provable rights to collect money from the borrower. If they have not they have not met the constitutional lrreducible minimum requirements for standing in every court.

Without the right to collect money the foreclosing party should not have collected any money and it follows that with no right collect there can be no right to declare default which certainly would void any right to foreclose.

Lately, I have been using the strategy of challenging the standing (which can be done, literally, at any time) of the foreclosing party immediately. Without two parties with a proven interest in the issues of the case there is no standing for the foreclosing party and the court has no subject matter jurisdiction and must not proceed with the case.

This is US constitutional law. In this position the court (and judge, they are interchangeable) has only one move it can make. It must dismiss the case or in a non-judicial foreclosure state it must vacate and set aside the wrongful foreclosure.

You may have noticed that I use the words foreclosing party and borrower instead of Plaintiff and Defendant. This is because in judicial foreclosure states the foreclosing party is the Plaintiff and the borrower is the Defendant. But, under the statute and rules in states using the bizarre and heinous non-judicial foreclosure it ends up being the opposite. The borrower is the Plaintiff and the foreclosing party is the Defendant.

That is so confusing that I try to avoid using the words Plaintiff and Defendant when describing “who done who wrong”.

Below is the most simple description of the central Mortgage Fraud issue that I have ever written. It is my answer to my friend’s questions about a blog guy he had found on the internet and sent to me to see what I thought.

Dear Kevin,

I am reading all of the case citations you sent me from the blog guy that posts videos while driving in his car and wearing sunglasses and if I drive that image out of my head, he is saying a lot of things that are close to what I am. It was interesting, but he is in a niche that is just enough different that I cannot make it fit in my mind. I don’t think we can find a useful way to use these in the current environment.

The judges I have been dealing with these long seven years aren’t even acknowledging the most simple and basic statute and constitutional civil rights. I can’t even get them to write anything in their orders and rulings that would indicate that they even read what I have written.

Kevin, the time has passed for further researching to come up with the magic bullet that will cause the judge to jump and exclaim “Oh, Kevin, now I see what you mean”.

The judge is in the way. He is an impediment to justice. We must use the remedies that the old guys wrote into the constitution to baby slap the judges. Any reader who has been following me this year knows that this is what I call “The Dick Butkus Mortgage Offense. If Dick Butkus is all that is keeping you from a winning touchdown with one minute left on the clock, then you gotta get him out of the game immediately. Anyway that you can. You really don’t have the luxury of studying your many dark “what ifs” because practice ended yesterday. Now its Showtime.

The probably non-existent foreclosing entity is not your problem, nor are its attorneys. Your only adversary is the judge. He is placing the burden of proof on you, the defendant borrower. That is just not fundamentally sound logic and it is depriving you of your civil rights. You don’t have to win the case. The case is void. You need to declare and prove that.

You just follow the laws of subject matter jurisdiction and make the court enforce them, either peacefully or in a borrower initiated good old knock down drag out. You are not a victim, unless you play by the judges rules. If you fight him and his no rules style of court, you will be a victim and a loser.

I meant that in the nicest and most civil of ways. D.

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A Quick Comparison Guide on DirecTV and Dish Network Satellite TV Deals

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What’s good in Dish Network? What’s good in DirecTV? If you live in the Continental USA and Hawaii and desire satellite TV systems, you have basically two choices. Lets compare these two major satellite TV providers and see who suits your TV entertainment needs the best.

DirecTV and Dish Network offer the most choices for the least amount of money. In most cases, you get free equipment, free setup, free installation and great package deals. The great news for consumer is that, both companies offer similar services and they both are competing for your business! So based on this, how do you choose between the two?

Dish Network’s biggest advantage is the free Dish Digital Video Recorder (DVR) that records up to 100 hours of programming. The second biggest advantage is price. Dish Network beats DirecTV a little in pricing and beats cable TV a lots. However, DirecTV has a few premium packages like NFL Sunday Ticket that Dish Network doesn’t have. Price is way better than cable TV and is still very competitive with Dish Network.

Where programming is concerned, both Dish Network and DirecTV offer excellent entertainment packages in high quality digital transmission. Over 256 channels are available for Dish Network programming. Dish Network broadcasts as many as 231 NFL pre-season, regular season and post-season playoff games without having to purchase a costly season package subscription! It has more comprehensive international programming with additional foreign language programming packages.

DirecTV supports up to 225 channels. Compare with Dish Network, DirecTV has exclusive rights to some sports channels, but you need to pay an extra fee to get these channels. Some of the sports packages include NHL Center Ice, MLB Extra Innings, NY Yankee Games, NBA League Pass and NFL Sunday Ticket which gives you access to almost every NFL games.

The hardware needed for satellite TV are almost the same between the two providers. Both need a small dish, a satellite receiver and the access cards. You will be given a choice when you order some of the equipment options. If you want standard satellite TV with a DVR, or High Definition (HD) options, you will need different kind of dish.

The Dish Player DVR510 offers by Dish Network can records up to 100 hours of your favorite shows without video tapes! While DirecTV’s records up to 35 hours. Dish Network gives you free satellite TV equipment and free installation in up to four rooms of your home, which at no charges. For DirecTV’s subscriber, you will be charge an additional small amount for the DVR receiver.

Both of the DirecTV and Dish Network have excellence customer services with 24 hours online support and 24 hours toll-free telephone support. They both offers online services like viewing current and prior statements, add packages and make payments to your account. Online user manuals and installation guides is also provided.

Dish Network or DirecTV? It is difficult to make a choice between the two providers because they offer very similar programming as well as pricing. No matter which one you decided to go with, its sure will give you a great deal with some really good service.

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What Is Social Leadership?

Avatar Of Rajesh Khanna



The term social leadership has been used in a technical sense by researchers for over fifty years. More recently it is being used by community organizations and others to describe a much broader perspective on people-centered activities aimed at creating a better world. Beyond this, I would suggest that it has great potential for use within the technical vocabulary of leadership studies, as a framework for the construction and evaluation of more comprehensive ways of understanding what it means to lead.

The concept originally emerged in the context of developmental psychology and educational theory as the opposite, or perhaps the complement, of task leadership. What this means is that when working with others, we demonstrate a propensity either to get the job done or to ensure that others are included. Presumably, personal success is dependent upon developing capacity along both of these lines, but our immediate concern is with the social aspect of establishing and maintaining interpersonal relationships.

Outside the academic environment, the term is being used within the context of training programs offered by various, predominantly Christian, religious organizations to reflect a commitment to creating a healthier, more peaceful and prosperous world, with a happier and more fulfilled citizenry. Adherents dedicate their lives and talents to doing what they can, as much for others, as with others. Inspiration for this mission and the development of a sense of stewardship are found through submission to God.

What I am proposing here is the adoption of the term social leadership within management and organizational studies as a way to capture the idea that the leadership process entails more than just the mechanics of achieving goals through the management of tasks and people. It must also take into account human values, both ethical and aesthetic.

Ethical values are usually expressed in terms of what we think is right, or good. For many people, their understanding of right and wrong has been provided for them through their association with formal religious institutions, but this does not have to be the case. Philosophical systems can provide a set of socially compelling standards to which an individual is willing to commit, without requiring a concomitant commitment to some transcendent authority.

Aesthetic values refer to such concepts as harmony and beauty, elements that are essential to our perception and appreciation of the world around us, but which we might not think have any influence on the ways we manage, or lead. Curiously, it has become a common saying among those who study leadership, that it is like beauty. You can’t describe it, but you know it when you see it.

Within the business and management context, the concept of social leadership has precursors in the notions of social marketing and corporate social responsibility. The former concept refers to the use of conventional marketing tools to alter people’s behavior towards a social good, such as increased physical activity, stopping smoking, or volunteering in the community. The latter term refers to the idea that corporations need to balance their concern for making a profit, with an equal concern for the well-being of their customers and employees. This notion has been extended more recently to include a concern for the welfare of the planet, thus establishing the so-called triple bottom line that blends economic, social, and environmental factors, in a quest for sustainability.

I am not putting social leadership forward as a new theory of leadership. There are already too many of those. Rather, I am suggesting that the term be used to identify a framework within which existing and emerging theories can be analyzed and evaluated for their comprehensiveness and as a measure of the extent to which the insights provided by such theories can be implemented in practice.

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Factors Tipping Towards a Hosted VOIP Service

Avatar Of Rajesh Khanna



A hosted VOIP service is getting popular today with the growing demand of its services due to the progressive technology that brings on quite a number of compelling advantages.

Total Cost of Ownership

The total cost of ownership or TCO is one of the major factors in considering a hosted VoIP system. As a cheaper solution over the traditional onsite IP PBX system, the hosted system is more favored as one can consider business expansion with geographically dispersed branches and numerous customer locations. The hosted system is favorable when there is an increasing mobile support needed with a good servicing to remote end-users.

Improved Employee Performance

Research and track records prove the hosted VOIPs offer more than cost savings. There is an obvious employee service performance with a good ‘buy in’ from the employees. Although there is a heavy investment on network connectivity, this investment reaps in more sales and profit that benefits the business in a shorter time than with another type of system.

Such hosted services ensure a good connectivity among the business branches to allow a robust and smooth operation with up-to-date information to the customers. VoIP services that are hosted would offer high call quality with high service levels crucial to businesses which could be demanded of VoIP service providers.

Increased Business Productivity

Hosted services allow more features for the employees to manipulate to their convenience and to the advantage of the business for a higher productivity. Management reporting and administration facilities are simpler and more structured than on-premise PBX systems. With a higher agility, hosted VoIP service systems allow the business operations to run more smoothly with an easier scaling in either direction according to the business productivity.

Hosted services of VoIP technology are manipulating world-class equipment based on the latest technology on secure networks that have built-in resilience with a strong business continuity factor.

Increasing Demand

It is not surprising to have more businesses considering VoIP systems that are hosted in the coming years. The VoIP market is expected to rise in exponential figures with the current 17% growth rate.

Hosted VoIP systems would be the preferred choice of a business that wants to take advantage of the advanced features of the system whose services are provided by experienced and skilled VoIP provider remotely. It is not just a capital expenditure investment with certain VoIP equipment; there would be more advanced features and services incorporated in the next couple of years on hosted VoIPs.

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