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April 25th, 2012 by rhg

How Wall Street REALLY Works These Days

Making Money on the Long and Short of It

You may think Wall Street has a few level playing fields left. Think again. The system has been manipulated to introduce high-level volatility into every investment equation.

Who gets hurt from this built-in volatility and who benefits? Suffice it to say; every regular buy-and-hold investor loses and every pro-active firm and brokerage house wins.

If you are a regular Wall Street retail customer whose assets are being money-managed, you may likely be advised to maintain a buy-and-hold strategy simply so your fund handlers can keep control of your assets and continue to charge high fees.

And, all the while YOU are encouraged to buy-and-hold, the big boys and smart firms are busy trading using dark pools and private trading venues that “regular” investors such as yourself, have ZERO access to.

How does volatility enter into this? If you’re one of the vaunted Street club firms, you and you alone can take advantage of this contrived “volatility” factor using short-selling and “decimalization.”

Decimalization is the process of allowing incremental prices in pennies. This basically lowers spreads and increases liquidity. Who benefits from this? Those big players with access to those aforementioned, private asset collection pools.

So, what should an ordinary investor with relatively small positions do?

* Dump the buy-and-hold model UNLESS they have a very STRONG position with a PROVEN stock and they intend to BUY more of this position as prices drop.

* DO what the big boys do – not what they big boys TELL them what to do. The big boys think and trade like pro-TRADERS.

Pro-traders have a well-thought-out long range scheme with a prepared exit plan. Pro-traders are diversified amongst differing asset classes. They are ever-vigilant and ever-ready to drop a failing position. They know when to hold’em, and know when to fold’em.

* They use a discount online brokerage firm such as e-Trade, Scottrade or TD Ameritrade UNLESS they have a brokerage advisor with magical insights.

* Know the long and short side of trading. There’s money going up, money going down. The big boys know how to take advantage of built-in volatility. So does the pro-trader.


Be a pro-trader. Do your homework. Use volatility to your benefit. Avoid greed. Know when to walk away from bad positions. Be diversified. Have a trading plan. Have an exit plan. Use a discount broker. Game ON.


Inspired by ootfih (one of the few i heed) – the incisive Shah Gilani


~ rhg


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March 7th, 2012 by rhg

There’s No Place Like Here

A collection of 22 videos that illustrate very interesting and unique places.

January 30th, 2012 by rhg

Why Every Entrepreneur Should Self-Publish a Book

This is a very telling article about how self-publishing can be easy, free and much more beneficial than going with a traditional publishing house.


James Altucher, whom I admire and respect greatly, writes why every entrepreneur should self-publish his or her own book.

James is a noted author who has published eight books and one comic book in the past seven years, five with traditional publishers (Wiley, Penguin, HarperCollins) and the last two, self-published. James reveals that the two self-published books have already outsold all his other traditionally published books, combined.

According to James, one can “kick their competitors right in the XX, and you will look amazingly cool at cocktail parties” via self-publishing. He notes that self publishing costs nothing and almost no time to try for one’s self. A summary of how he does it and self-promotes follows below.

James explains why it’s better to self publish rather than use a conventional publishing firm by first sharing his rather unhappy experiences with Penguin (whom I happen to love dearly, having read some of the finest books ever to go to print from this very publishing house), and how he was very dissatisfied with their results and performance. (Publishers have been very much under the gun as of late due to the Internet and electronic publishing. It is getting more and more difficult for them to profit and survive in the changing landscape of Internet publishing.)

Benefits of self-publishing:

1. Higher royalty commissions of 70% rather than the austere, traditional 15%

2. Advances are no longer available

3. Lag time from signing to publishing can be several years

4. Publishers actually do VERY little marketing these days.

5. Much more control over content and design

Self-publishing is much easier than one might imagine.

These days, it’s pretty much a mere song and dance to put a nice book together and simply publish on Amazon for the Kindle or Barnes and Noble for the Nook.

As for hard cover publishing, there are many independent printing firms that will happily publish one’s book for very reasonable pricing. As for soft-cover publishing, read below how James does that for FREE with

James used to create his current books. This site is owned by Amazon, (a good thing), and has templates and formats for any type of book. He had help proofread, design and template his book, and he merely submitted it to createaspace for approval, an ISBN code and a proof which he was then able to approve or disapprove.

All very straight forward and simple.

Createaspace does everything for free, unless you publish for the Kindle through them, which incurs a $70 charge.

After all this, you now have a Paperback and a Kindle edition. The paperback is print-on-demand, such an excellent service from Amazon.

James recommends that one write 20,000 or more words for their book, with blog posts around 500 – 1000 words. It’s always a good idea to point out what one will find in the book that’s different than what is in the blog posts.

James did (and does) the following to promote his book:

1. Distribute 20 free copies to his readers. Many reviewed his book on Amazon.

2. Hands his book out for free at speaking engagements.

3. Write guestposts on other blogs (James used Techcrunch, for example.)

4. Writes a blogpost explaining why he wrote the book and how it differs from his blogposts.

5. Uses Twitter, Facebook, Linkedin, Google+

6. Instead of handing out a business card, hands out a book. (Far more valuable and impressive)

“And you can’t say the excuse “I don’t have time, I’m running a business.” Entrepreneurs make time.”



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December 14th, 2011 by rhg

WARNING: Your Credit Card Can Be Stolen Without Being Touched

From Inside Edition TV: An RFID Reader Can Steal Your Credit Card Information Without Your Knowledge

Your credit card information can be stolen right through your pocket or purse by anyone holding a radio-receiving RFID reader. To view video at Inside Edition, click image below.

Electronic Pickpocket - RFID Reader - Click To Visit Inside Edition Website

With a special device that looks like a notebook, a pickpocket can simply steal your credit card information without your knowledge by simply holding it near your pocket or purse.

What You Can Do
Check your credit cards to see if they have a little “transmission” symbol that indicates your card contains a readable RFID chip. If so, you can ask for a replacement card that doesn’t have that feature.

Be aware of anyone standing close holding a device that looks like a small laptop computer near your pockets or purse. The device must be held fairly close to your credit cards in order to grab the information.

You can get a credit card sleeve that blocks RFID transmissions.

Good To Know
You are not responsible for fraudulent charges. Contact your credit card company and they will reverse the charges and send you a new credit card.


Comments | Posted in ALERTS, HINTS & TIPS, INTERESTING, POSTS | Leave a comment
December 8th, 2011 by rhg

Surviving the Bioterrorism Perils – Surviving the Future

Surviving the Bioterrorism Perils - Surviving the Future

Surviving the Bioterrorism Perils - Surviving the Future

Today, Hillary Clinton warns of bioterrorism…

This is an important story. Why? Because it emphasizes a particularly catastrophic danger that we are all facing in our future. Our leaders are well aware of the danger that bioterrorism poses. Why else their extreme concern and the construction of large subterranean bunkers and complexes around the globe?

Bio-warfare is one of the most insidious of dangers; it is extremely difficult to control and prevent. However, most pathogens at this time are not as virulent as, say, the Spanish flu. But, if bio-terrorists have their way, ever increasingly infectious and deadly pathogens will be added to their arsenal.

How do we deal with such situations?

Moving to a safe location may not necessarily be the answer. Pathogens can spread around the globe like wildfire, carried by the wind to the most remote regions of the world.

Our best bet is to prepare wisely, to put aside fear and rather focus on building relationships with neighbors, fostering self-health and self-sufficiency, living moderately, always developing character, strength of spirit, and loving attitudes towards others and oneself.

The healthier the mind, body, spirit, the more likely one is to survive a pandemic or catastrophe. Keeping stress levels down and one’s mind at peace as much as possible is a powerful defense.

Also, reconsiderating the support of politicians who base decisions upon fear and violent protectionism is crucial. Warring and defensive postures may have temporarily worked in the past; it will most likely not work in the future. A world of dominant rich and powerful versus a sub-class of the poor and indigent will breed disease and complete societal degradation to the point of self-annihilation.

Societies fall with such imbalance.

It is also important to vote out Congressional members who commit insider trading and other deeds of unfair, excessive self-enrichment. The character of our leaders determines our success as a society.

As for global unrest, it is important to develop positive relationships with other nations around the globe rather than raid their natural resources and exploit their cheap labor, establishing puppet governments that serve corporate profits rather than their own peoples.

As we face a future of uncertainty, developing “care-acter” is IMPERATIVE. Loving one’s neighbor (this includes whole countries and all those we interract with) is perhaps the only saving grace that we have.

Comments | Posted in POLITICS, POSTS, SURVIVAL, VALUABLE | Leave a comment
December 7th, 2011 by rhg

Living Rich

How does one define, “living rich?”


Living rich may be more to do with living well, rather than living wealthy. On the other hand, one would be hardpressed to deny that having access to unlimited funds is a far better option than living without.

This website is one girl’s exploration of how one can live richly, live happily, and personally understand what that really, even means.

Living rich may be all about how we each individually define it. This is one girl’s personal exploration into its definition and a collection of methods and means of actualization.


Comments | Posted in LIVING HAPPY, LIVING RICH, MUSINGS | Leave a comment
November 27th, 2011 by rhg


Big Sale Tricks

SUCH a great sale, BUY THIS even though you don't need it or want it!

Those SUPER DEALS, LOSS LEADERS and special sale items that are such great bargains may not be what you think they are.

My most precious purchases have turned out to be items purchased at regular retail. I have wasted a small fortune making buying choices based on sale pricing rather than just getting what I truly wanted in the first place. presented a great article that revealed sneaky retailer tactics to get you in the door while providing less than you expect. Here’s a summary of their top 6 along with some of mine.

1. MSRPs Cannot Be Trusted
Manufacturer’s Suggested Retail Pricing” may mean very little other than to make a sale price much more attractive than it really is. Solution: Make sure that bargain price is genuine, and that the MSRP is factual.

2. Credit Card Deals May Hurt Your Credit
Signing up for that store shopping card for some nice discounts may seem like a great deal, but instead, it may lower your whole credit score. Yes, getting another credit card could raise your interest rates for big purchases in the future. Solution: Ask yourself whether signing up for that credit card is worth having a lower credit rating.

3. That Super Product May Be A Cheap “Derivative” Model
That super product may actually be a cheaper, lower quality version of the original. Subpar products that resemble a more expensive model are known in the industry as “derivative products.” They are “derived” from the original. Make sure you get exactly what you are expecting – first rate, first quality items. Solution: Check the model number to make sure its the item you really want.

4. Beware Those Mail-In Rebates
Savvy retailers know that you will never send in that mail-in rebate. For one thing, they may require a number of difficult, tedious or complicated steps to fulfill. For another thing, they may simply claim you never followed the proper procedure and then, deny your rebate. The best mail-in rebates are those that allow you to redeem them quickly and easily online. Solution: Check those rebates. Can you do them online? Ask yourself if you will devote the time to follow through.

5. That Sale Price May Not Actually Be a Sale Price At All
That sale item may not be a sale item at all, but rather simply labeled “on sale.” You may very well be able to buy that item cheaper somewhere else. Solution: Shop around carefully. Check online pricing.

6. Credit Card Warrantees
Purchasing with your credit card can provide you with an extra warranty. Many credit card companies (American Express, Visa, Mastercard, Discovercard) may offer a shopper’s guarantee. ATM payments (Bank card cash transfer purchases) are not considered credit card purchases. Some credit card companies may include a 60 day, low price guarantee. Solution: Check with your credit card company to see if they offer special warrantees.

7. Unused, Unappreciated Gift Cards
You might want to think twice about buying those easy and convenient little gift cards. Why? A huge proportion of them are lost, discarded, ignored, unused, and often unappreciated. Instead of being grateful, recipients may subliminally see them as more a nuisance than a gift. Why spend your money on something that may likely be thrown down the drain? Solution: Send cash or checks. Your gift will be appreciated, and the receiver will be able to spend where they like.

8. Beware of Impulse Triggers
Retailers have long understood the science of creating cravings and yearnings within the deepest recesses of the shopper’s innermost desires. How can you avoid being enared by these triggers? Solution: Ask yourself what your really want and need. After you decide, shop for price. Avoid making buying choices based on sales and promotions. More money is wasted trying to save money than simply spent on what people really want.

Thanks to…article-mostpop1

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November 24th, 2011 by rhg

Power, Prestige, Privilege – How To Get Rich In Congress

“Easy Riches In Congress”

60 Minutes Video – How To Get Rich In Congress

Read more:…3eaSuw

It turns out that members of Congress are generating huge personal fortunes using non-public, insider trade information that only legislators have access to. In other words, members of Congress, their cronies and cohorts are exempt from the insider trading rules that govern ordinary citizens.

Throw Them All Out..

Throw Them All Out is a book that reveals how politicians and their friends get rich off insider stock tips, land deals, and cronyism that would send the rest of us to prison.”
~ Peter Schweizer, William J. Casey Fellow at the Hoover Institution at Stanford University, Author

THROW THEM ALL OUT By Peter Schweizer

THROW THEM ALL OUT By Peter Schweizer

Peter Schweizer’s new book is a stunning exposé about how the laws that apply to ordinary citizens do not apply to members of Congress, thus allowing Congress members to reap huge financial reward off non-public government information.

In others words, what is illegal for the ordinary man and woman to do, is NOT illegal for Representatives to do.

Members of Congress were buyinhg and selling stocks as they were passing or failing legislation that would impact their investments.

The proof is meticulously detailed in Peter Schweizer’s hard hitting revelations.

Want to get rich quick?

1. Get elected to Congress
2. Take full advantage of insider information
3. Get assigned to the choicest committees
4. Invest according to insider trading information privy only to Congressional members

Gerald Celente Reveals Personal Losses
Due to Inner Corruption and Betrayal

Personal Thoughts
There’s an inherent unfairness in this rarefied and privileged method of acquiring riches by taking unfair advantage of legislative information unavailable to the general public. It creates an aristocratic super class.

It is particularly unjust for those who have been imprisoned for committing the very same deeds that their legislators committed with impunity.

For a government to succeed, there must be integrity, trust and commonality of spirit and cooperation between governance and the governed. Without these, governments become plutocracies and inevitably fail, bringing the populace to destruction, with them.

Greed and avarice are beautiful, but bitter mistresses.

For more information:

One of the biggest scandals in American politics is waiting to explode

(40% Savings Link)

'Throw Them All Out' by Peter Schweizer At

"…the full story of the inside game in Washington shows how the permanent political class enriches itself at the expense of the rest of us. Insider trading is illegal on Wall Street, yet it is routine among members of Congress. Normal individuals cannot get in on IPOs at the asking price, but politicians do so routinely. The Obama administration has been able to funnel hundreds of millions of dollars to its supporters, ensuring yet more campaign donations. An entire class of investors now makes all of its profits based on influence and access in Washington. Peter Schweizer has doggedly researched through mountains of financial records, tracking complicated deals and stock trades back to the timing of briefings, votes on bills, and every other point of leverage for politicians in Washington. The result is a manifesto for revolution: the Permanent Political Class must go."  


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November 23rd, 2011 by rhg

Mistakes and Failures

Don’t know about you, but I’ve made more mistakes than itches on a fleabite. I’ve scratched, and it hasn’t been pretty. Now, late in the day, questioned, reinvigorated re-discovery…

Mistakes and Failures

Could it be that the mistakes and failures are merely steps by which we climb higher to the pinnacles of ultimate success?

Could it be that these mistakes and failures are the fire by which our talents and resolve are hardened and tempered to greater effect and purpose?

There are those many dauntless who moved forward despite monumental failures. And, eventually, achieved massive success. They took heed, and flew forward. Resolute. Intrepid. Relentless.

The above post is re-invigorated re-dicscovery, inspired by Stephen Pierce’s post, Midnight Confessions of Stephen Pierce – Yes, I’m Guilty! Stephen Pierce is one of the few Internet Marketing “Gurus” whose information I would, and do rely upon.

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November 13th, 2011 by rhg

Heavenly Abodes – A Modest and Lovely Lifestyle

Evocative, serene, hobbit house images, with James Taylor video.

I seem to have an inherent longing for the lifestylings these homes illustrate. Is it the simplicity? The artfulness? The individuality of home-artisans? Can’t quite put my finger on it yet.

It’s like looking at pictures of mountains streams, starry night skies. Some sort of gentle pull, tweaking and rummaging around in the gut like rustlings of autumn leaves between the fingers. Something brisk, promising, fresh, cool, crisp, clear.…05117.

James Taylor – Up On the Roof


When this old world starts getting me down
And people are just too much for me to face
I climb way up to the top of the stairs
And all my cares just drift right into space
On the roof, it’s peaceful as can be
And there the world below can’t bother me
Let me tell you now

When I come home feelin’ tired and beat
I go up where the air is fresh and sweet (up on the roof)
I get away from the hustling crowd
And all that rat-race noise down in the street (up on the roof)
On the roof, the only place I know
Where you just have to wish to make it so
Let’s go up on the roof (up on the roof)

At night the stars put on a show for free
And, darling, you can share it all with me

I keep a-tellin’ you

Right smack dab in the middle of town
I’ve found a paradise that’s trouble proof (up on the roof)
And if this world starts getting you down
There’s room enough for two
Up on the roof (up on the roof)
Up on the roo-oo-oof (up on the roof)
Oh, come on, baby (up on the roof)
Oh, come on, honey (up on the roof)


Everything is all right (up on the roof)

Comments | Posted in FUN, LIFESTYLE, MUSIC, POSTS | Leave a comment


Love is a many splendored thing. (If you play your cards right.)