Discover Exactly How To Get An Ex-spouse To Successfully Return Once More

Romantic relationships conclude for a huge variety of causes, most of which can in fact be worked through. Anytime a person wants to get my ex back, they could wish to take the time to think about precisely why the connection actually finished and what they’re able to do to resolve those concerns to be … Continue reading “Discover Exactly How To Get An Ex-spouse To Successfully Return Once More”

Romantic relationships conclude for a huge variety of causes, most of which can in fact be worked through. Anytime a person wants to get my ex back, they could wish to take the time to think about precisely why the connection actually finished and what they’re able to do to resolve those concerns to be able to have the opportunity at the romantic relationship working once more. Nonetheless, when they’re achieving this, there are a few other things they’re going to wish to accomplish as well.

When an individual wants to get my ex boyfriend back, something they need to recall is to give their own ex-spouse some breathing space. They won’t want to constantly call or even text them as this will not provide them with the space to breathe as well as think about the relationship. It also does not show them that they’re in fact endeavoring to make things better. Providing them with some room could really become one of the best things an individual can accomplish to enable them to get started focusing on exactly what they need to achieve to fix the connection.

The person should also spend some time to improve themselves. They will wish to embrace being single for a while as well as take a look at a number of the things they have been wanting to accomplish. This offers them the ability to step back from the romantic relationship as well as just take a necessary break. It doesn’t mean they should date another person, even though they may if they would like to. It just suggests taking some time to relax as well as think about everything.

Once the person has a good idea of just what happened and also exactly what needs to be modified for the relationship to work out, they’re able to start concentrating on everything. This could take some time, but without changes being made there could still be the same concerns even though they’re able to get my ex husband back. They’ll wish to make sure those concerns defintely won’t be present anymore through concentrating on their own in order to change and also develop as a person.

In case you want to reconcile with an ex girlfriend or boyfriend, be sure to discover precisely how to make this happen carefully. Through taking the appropriate measures, you can get back with my ex as well as make certain the relationship will not fall short for exactly the same reasons once more. You are going to manage to work together in the direction of a happier relationship all round.

Basic Statistics of Homeschooling in the USA

Homeschooling in the USA has grown considerably from its once obscure beginnings to its present status as a justifiable alternative over the regular academic environment.

In 2007, it was estimated that 1.5 million school aged students are being educated in their homes. This number has an estimated growth of 2.9% from the last survey made on 2003. Presently, the statistics of homeschooling in the USA continues to grow.

The parents’ decision is the major factor of this increase. There are many reasons considered why they have decided to pull their children out from their corresponding schools.

According to a study done by the National Household Education Survey (NHES), there are three major reasons why parents have decided to put their children in homeschool.

The biggest factor is the parents’ growing concern about the country’s worsening school environment. These parents felt that they can do a better job in teaching their children from the safety of their homes, away from the poorly controlled environment that most American state schools have today.

The second factor is their religious and moral obligations to teach their children the lessons that are acceptable to their chosen faith. Religion in the USA is widely diversified making it hard to tailor fit the lessons that will be acceptable to each student’s religious orientation.

Lastly, the third influence would be the poor perception of parents about the school curriculum. They believe that their children are not being challenged enough which results to a lower performance as compared to the standards set by other first world nations. This greatly affects their children’s competitiveness and proficiency.

Another American school, Trinity, did a survey which greatly reflected the same sentiments of the parents. These are the same sentiments that drove them to put their children into homeschool. The factors are as follows:

• 48.9% of parents are confident that they can provide a better education to their children with a better curricula, social programs, and moral developments.

• 38.4% of parents are compelled to give their children secular education because their religious beliefs are not being tackled by the available schools in their area

• 25.6% of the schools in the US today are perceived to have a poor learning environment; therefore they tend to stunt the growth of the attending students. The school is trying to accommodate everybody making it crowded for all the students. This in return results to an unfocused learning environment

• Family reasons are cited by 16.8%of the parents.

• 15.1% of parents are also concerned that the school is not developing their children’s moral being

• 12.1% of parents strongly object the school teachers method of teaching

• 11.6% of parents believe that the school is not challenging enough for the student making them intellectually inferior if compared to the students of other nations.

• 11.5% say that there are problems left unidentified by the parents with the schools available in their area.

• 9.0% of the parents have observed that the students attending the existing school in their area have different behavioral problems uncontrolled by the school’s disciplinary committee

• 8.2% of those have kids have special needs or disability that cannot be addressed by regular schools.

In conclusion, homeschooling in the USA have grown much because of these factors. Currently, this matter is still being debated whether if it’s really beneficial for the homeschooled children while not being able to experience the social interaction that is being promoted by the state schools. Meanwhile, the parents who decided to teach their kids at home must be greatly committed in order to give the quality education that their children deserve.

Want To Study In USA? Know The Myths About Immigration

1. Most immigrants are here illegally.

As per Authorized visa agents in USA, of the more than 31 million foreign-born people living in the United States in 2009, about 20 million were either citizens or legal residents. Of those who did not have authorization to be here, about 45 percent entered the country legally and then let their papers expire.

2. It’s just as easy to enter the country legally today as it was when my ancestors arrived.

For about the first 100 years, the United States had an “open immigration system that allowed any able-bodied immigrant in,” explains David Reimers. The biggest obstacle immigrants faced was getting here. Under current policy, as per the USA Student Visa Consultants many students’ immigrant ancestors who arrived between 1790 and 1924 would not be allowed in today. Today there are many rules about who may enter the country and stay legally.

3. There’s a way to enter the country legally for anyone who wants to get in line.
Generally, gaining permission to gain permanent US residency and work in the United States is limited to people who are:

A: Highly trained in a skill that is in short supply here
B: Escaping political persecution, or
C: Joining close family already here.

4. Immigrants take good jobs from Americans.

According to the Immigration Policy Center, a nonpartisan group, research indicates there is little connection between immigrant labor and unemployment rates of native-born workers. In the United States, two trends-better education and an aging population-have resulted in a decrease in the number of Americans willing or available to take low-paying jobs. Between 2000 and 2005, the supply of low-skilled American-born workers slipped by 1.8 million.

To fill the void, employers are offering Immigration Services to hire immigrant workers. On an economic level, Americans benefit from relatively low prices on food and other goods produced by undocumented immigrant labor.

Undocumented immigrants bring crime.

For Immigration visa agents deny the same by drawing light on the fact that, since 1994, the violent crime rate has declined 34% and the property crime rate has fallen 26%, even as the number of undocumented immigrants has doubled. According to the conservative Americas Majority Foundation, crime rates during the period 1999-2006 were lowest in states with the highest immigration growth rates. Truth is, foreign-born people in America are incarcerated at a much lower rate than native-born Americans, according to the National Institute of Corrections.

USA Visa Consultants -Winny Immigration and Education services provides information about Study in USA, PR visa, USA visitor visa in Ahmedabad, Vadodara, Anand in Gujarat-India. With a vast experience in US Education and Canada Education & Immigration coupled with lowest processing charges, Winny is the best choice as Foreign Education Consultants

How to Buy Real Estate in USA

If you’re brand new to the US real estate market, then buying real estate in USA will not be an easy process at first. While you can find some great deals in the US market today, there is still the possibility of making some costly mistakes.

That shouldn’t stop you from investing, however. It should just make you more aware of the importance of due diligence. Below are the two most important things to consider.

How To Buy Real Estate In USA:

1. Be aware of the tax implications for foreign investors: Your choice to invest in US real estate will most likely depend on the amount of tax that you need to pay when purchasing the property. This includes property, capital gains, and transfer tax.

As a non-citizen of the US, there are certain tax implications that will be involved when you purchase real estate in USA – and additional ramifications when a foreigner sells property in the US.

It’s not all bad news though. There may actually be tax breaks available to you as well. The US is doing its best to encourage foreign investment at this time especially given the tough economic climate.

The main thing you need to know about how to buy real estate in USA is exactly what your tax implications will be, good or bad. This will help you make a well informed bid, and keep your purchase in line with your budget.

2. Look at the local economy: When it comes to investing in US real estate, the local situation is more important than the overall one. Currently, pretty much every city in the USA has been affected by the recession, so your goal is to find one that is bucking the trend.

That means a decent economy, low crime and good schools. What’s even more important than the actual figures, is whether there’s been an increase or decrease in positive economic news compared to prior years. Basically, when looking at how to buy real estate in USA, look for a town that is poised for recovery, not sinking further into depression.

A good indicator of this is whether there is a healthy migration of new citizens moving into the city. According to the National Association of Realtors, some of the hottest US markets for foreign investors are in Florida, Texas, Arizona and California.

If you keep these 2 things in mind when looking at how to buy real estate In USA, you’ll be able to avoid costly mistakes and make a well informed, and profitable long term investment.

Information About Divorce in the USA

There are many facts about divorce in the USA today. Some of these facts are:

o Divorce is widespread, common and often reported in the media
o About 5% of all current marriages end in divorce every year
o About half of all first marriages end in divorce
o More than half of all second marriages end in divorce
o The more times a person marries, the greater the chance their marriage will end in divorce

This of course begs the question of why. Why are so many marriages failing today? This question is becoming more and more difficult to answer because the issue of no blame divorce is dominant in American divorce courts today.

The most common reason listed for the failure of marriage is ‘irreconcilable differences’. This expression covers a potential multitude of sins. Couples often want to get out of the marriage as quickly and as painlessly as possible. They may want to state a precise reason or reasons why their marriage has failed but that could mean a delay in obtaining their divorce. They believe it would be better to say they can’t get along, not blame the other and hope the split can be as advantageous to them as possible.

If couples do offer a specific reason for their marriage failure then adultery and financial problems rate high on the list.

The information from surveys has some surprising facts such as:

o Nevada is the state with the highest rate of divorce
o The District of Columbia is the state with the lowest rate of divorce
o Couples from mixed races are more likely to divorce than couples of the same race
o Couples in the city are more likely to divorce than couples in the country

There are some disturbing facts as well for American marriages.

o Two-thirds of all couples who divorce have at least one minor living with them
o 10% of all American families are one parent families
o Two-thirds of children in America are living with both their biological parents
o Most children who have behavioral problems or drop out of high school come from broken homes. The figures are extraordinarily high with up to 85% of troubled teens coming from divorced parents
o Experts predict that single-parent families will continue to rise

Then there are some surprising or unusual facts:

o Couples who seek counseling before they marry are less likely to divorce
o Couples who maintain their faith together are less likely to divorce
o But a Christian couple is more likely to divorce than is an atheist couple

Whatever the facts, there is no doubt that statistics do not convey the heartache and serious health issues which can be caused or made worse by a broken marriage. Divorce is not restricted within a family; the parents and friends of the divorced couple can all be affected as well.

Of course there are times when divorce is the best option, but it should not be forgotten that prevention is better than cure and a solid basis for marriage is always the best approach.

Top 7 Spas in the USA

Rejuvenate and recharge your mind and body in a serene, scenic spa. Here is my pick of the top 7 spas in USA. Just check them out and plan a remarkable trip to one of them, the next time you need a break.

1.Four Seasons Resorts, Baltimore, Santa Barbara
It’s no wonder this legendary Santa Barbara spa is nearly as famous as some of its guests. Nestled among lush gardens beside the Pacific Ocean, this famous R&R retreat marries first-class body and skin treatments with exquisite design and stunning surroundings. The serene spa elevates personal indulgence to a fine art. An inspiring array of restorative and beauty treatments, based upon the bounty of the sea blended with botanicals from the gardens of Santa Barbara, promote the art of well-being.

2. Canyon Ranch Tucson
This spa doesn’t just pamper. It’s one of the only luxury destinations to provide a preventive and integrative wellness program. Guests here can avail the help of board-certified physicians, exercise physiologists, nutritionists, behavioral therapists, and mind-body experts.
The programs include

– Classic massages
– Asian therapies
– Advanced restorative touch therapies
– Yamuna treatments
– Ayurvedic body treatments
– Hydrating and soothing body scrubs and wraps
– Replenishing facials for healthy and beautiful skin

3. Cal A Vie, California
With 25 private cottages and 400 acres, Cal-A-Vie offers four staff members for each guest. This secluded spa is a famous for celebrity hideaway and boasts excellent hiking, cuisine, cooking classes, and a wellness program encompassing fitness, body treatments, and skincare. Need we mention the 18-hole golf course. Each of the treatments are highlighted by natural plant and sea extracts and aromatic, restorative oils. They will leave you feeling relaxed, content and deliciously pampered.

4.Sagestone,Redmountain Spa, Uttah
The red rock bluffs of Utah’s Snow Canyon State Park set the scene for this luxurious health and fitness outdoor adventure. Honors from Allure, Forbes, USA Today, and Conde Nast Traveler are among this destinations many “top spa” nods. This spa’s soothing desert setting, Sagestone Spa & Salon sets out
with one goal – to transport our guests to a place of deep relaxation, tranquility and renewal. You will never forget the rejuvenating experience offered by this spa.

5.Rancho La Puerta
Three thousand acres of gardens, meadows, and mountains join a beautiful climate in welcoming 125 guests a week. In addition to spa treatments, it offers fresh seafood from the nearby Pacific Ocean, as well as vegetarian and modified-vegetarian meals. Today’s guests enjoy the very best resort spa experience, shaped by expertise developed over 65 years.

6.Miraval
This spa has accolades galore from all the top travel and spa publications. Miraval offers more than 100 treatments but also encourages personal growth with its Quantum Leap program, Zen boot camp, and specialized retreats dealing with aging, relationships, health, and more. You can explore the principles of healthy living. Or you can address a specific challenge with our Mindful Weight Management, Smoking Cessation or Healthy Sleep packages.

7.Lake Austin Spa Resort
This spa has got the reputation of being named the #1 Destination Spa in North America by the readers of Conde Nast Travelermagazine. Only eight spas in the world can trump this Travel + Leisure readers’ pick. Rolling hills and Lake Austin cradle this intimate resort, which offers more than 100 spa treatments and award-winning cuisine.

Best Medical School In The USA

When it comes to medical schools in the USA they can now be classified under two categories. There are those schools which concentrate on the research side and those schools which focus all their attention on teaching their students about primary care matters. However when it comes to choosing which is the best medical school can be very difficult to achieve as some have a much higher reputation than others. For example you could say that Harvard is the best, but this is probably world wide this is the most well known.

But even if we were to put together a definitive list of what are the best and worst medical schools in the USA today. It does not mean that a student which to attend them can just apply for admission to get in to carry out their studies. Unfortunately if a medical school ranks highly then their requirement standards will be much higher. Often such schools will expect those applying to them to have a better Grade Point Average (GPA) as well as they will want their potential enrollees to sit a much more difficult MCAT (Medical School Admissions Test). But there are also other factors a student will need to take into when applying to such a good medical school as the school in question will look at where the student actually resides and how well their essay that they need to complete as part of their application was written.

Although certainly there are a number of advantages to be gained from attending and studying at one of the best medical schools in the USA. Certainly the degree you obtain from this type of school will help in obtaining a better position and often those students who rank highly at such an institute will find themselves being rewarded a much better residency position at some of the best medical establishments in the country today.

When it comes to looking for the best medical school in relation to research studies and training there are a number of different ones that a student can consider. These are namely Harvard University, Duke University, John Hopkins University along with the University of California San Francisco. Whilst Oregon Health & Science University and the Michigan State University College of Osteopathic Medicine are considered to be some of the best schools that provide students with excellent training relating to primary care matters.

USA Debt Now at $546,688 Per Family Unit

Executive Summary – This data comes from USA today, not out of thin air. In the last year the USA took on 6.8 trillion dollars in more debt. The total is now 63.8 trillion dollars. This figure is four times what the average household in the USA owes on all their debts including mortgages, credit cards, student loans, car loans, etc. The amount of debt owed per household if we add in estimated debts other than what is owed to the fed we get an estimate of $682,000. If we run the interest on this at say 5%, which is a low estimate for sure, we get $34,000 a year and this is interest only with no repayment of principal.

If we ran the repayment of each household debt like a mortgage, say 30 years fully amortized at 5% we would get a monthly payment of $3661.12 which is $43,933.44 per year. After this the people need money for food, clothing, medical, transportation electric, heat, phones, education, etc. The point is there is no way that the people in the USA are ever going to pay this amount of indebtedness back without hyperinflation. Also bear in mind using a 5% interest figure is very low, a more real aggressive calculation would use a higher interest rate. So the stage is set for some form of economic disaster.

Discussion – There is no real way out of this mess for the USA. Borrowing and more spending is only going to drag it out for a very brief period of time. The world leaders know the USD is worthless. When the leaders of the world stop using and accepting the USD and want to get paid in other currencies then the US will have to convert their US dollars to other currencies. As they print more dollars, the exchange value of the dollar drops accordingly. Then hyperinflation sets in. This can mean gas is $12 a gallon, bread $8 a loaf.

When the hyperinflation really gets going then gas can be $45 a gallon. Savings get wiped out. More and more money gets printed. The federal debt gets repaid with cheaper money. Wages never keep up with inflation, never ever. This balances the books on paper. Now the USA would be in full third world status. The gov’t would impose currency controls and Americans would not be allowed to hold, pay or accept foreign currency in the USA. USA real estate would become a steal for foreigners if they did not mind living in a police state. Foreigners could come to the US and hire Americans paying them with cheap USD and then exporting the products for harder currencies.

Remember social security, retirement etc will be paid with these cheap dollars so USA people will be desperate fro work. Many of the non-productive government jobs will be gone altogether. The laid off workers who never really ever had to work in a productive job will be going crazy. The message from the police state will be work or starve. This is another reason why the police state must have a tight grip. People would still have their pensions and would be lucky if they could eat at a fast food burger joint a few times a month due to hyperinflation. Medical care will be a mess. Why? Did you ever consider the doctors leaving for greener pastures? Same for computer programmers, engineers, pharmacists, nurses, skilled and licensed medical equipment operators like MRI, respiratory therapists, physical therapists, architects, professional athletes, scientists, pilots, and other people who have transferable skills able to find work in other nations.

Those that worked for government in nonproductive jobs as bureaucrats are going to find that no one has need of them. The window for this to happen is not going to remain open much longer. The USA is so close to locking down their borders now, they could close the nation in hours, not days. Remember that once the USA locks down many Americans are going to overstay their tourist visas in other lands not wanting to return. The other nations will very shortly start requiring formal visas for Americans to visit. To shut the border all they have to do is impose exit visa requirements on the people leaving. This seems to be just right around the corner. One would need to file an exit visa application before leaving the USA. You would have to state the purpose of your trip. They would want assurances that you would be returning. This would be showing things like you own a house, land, businesses; you are leaving spouse and children behind etc. The USSR did this.

The USA does this in reverse for people seeking a visa to visit the USA so they are really quite good at it. If you cannot show a lot of reasons why you would return then you would not get the visa to leave. Before an exit visa system has any teeth the borders must first be locked down for exit and entrance. This they have already down. They even have checkpoints 100 miles inside the country near the borders. I do not know how 100 miles can be near a border. It should take one at least an hour and a half to drive 100 miles. If the USA does not shut down the country tight when the dollar starts to really drop then all their resources will leave. All the highly trained and educated people will be heading out. This will make it hard to find suitable skilled labor to run businesses on the soon coming greatly reduced wages.

Remember foreigners coming to the USA to start business and inject hard currency capital into the USA are not going to want to hear about equal opportunity employer, OSHA, Workmen’s compensation, discrimination for sex, race, religion age etc. These things have to go or the businesses won’t come. They will want to make money or will go elsewhere. If they do not go to exit visas people will depart from the USA with their cars (to Mexico and Canada), their boats, their airplanes, their precious metals and jewelry and of course their cash. None of this is in the best interest for the government so they will put a tight lid on this. The USA will have to change. People will not like the changes, thus the police state.

Now there are other variables that might screw up the plans of the USA. Name one thing they have done right in the last 50 years? See what I mean. These would be their plans. What they actually accomplish will never be what they want. In any event when the USD drops the government will become more radical in their actions as a police state. This writer thinks there is a maximum of 12 months or so. Nations like China, Russia, Brazil, India and others are converting their USD holdings into productive resources. When this is over (12 months or so) there will not be a lot of demand for USD anymore. That is when the real trouble will start for the USD, this is nothing compared with what is to come.

Summary – The dollar has a doomed future. It is not going to make any real recoveries. Get out of it now while it is still worth something. It is 100% impossible to spend your way out of a recession caused by excessive debt like Obama is trying. Never happen. As you can see Obama has still not yet even got the falling of the economy to stop yet and this is because his approach is incorrect and the plunge may continue for some time, before it goes into free fall. The window to leave the USA with what you have is still open, take advantage of it.

Countries converting to police states leave the exit door open for a while as they are tightening their grip. They encourage educated politically minded people to leave. This is done subtly, not openly. They don’t want you there. They are dumbing down the future labor force and do not want dissidents around. The business environment goes bad first (already there). More and more non-productive jobs are created as the businesses fail and their productive jobs disappear (already there). Business owners get disgusted and fed up with regulations, taxes, increasing lawsuits, increasing bankruptcies, judges becoming more irrational, and police powers expanding (we are already here but not in the fullness yet). These educated aware people start to leave (we are already here but not yet in the fullness).

Socialism increases thus driving out more of those who understand what is going on because they know socialism never works and always results in a police state (already here). The last push comes from crime. The government starts to go easy on criminals. All the federal agents are protecting the government from you, not you from criminals. The agents run around putting people in jail for breaking regulatory statues, not for crimes against person or property where there is a real victim (already here). The criminals tend to not waste a lot of time and energy with the lower classes instead focusing on those with some assets (not yet here but crime will rise as the economy fails, always does).

The very wealthy are either part of the police state or gone by this point in time. Wealthy people travel internationally a lot. They are used to foreign cultures. It is easiest for them to go. People that stay in the USA are going to be more like the frog boiling in water, while those familiar with foreign lands will have a broad perspective and see the changes for what they really represent. Soon you will see criminals victimize you and are by and large not really brought to justice. Police just take reports, no efforts at apprehension. If you are seeing this you waited too long to get out. Now you might be able to still get out but your assets are probably not going with you.

The next step is a full third world corrupt law enforcement community as the enforcement arm of a full-blown corrupt and dishonest police state. The USA may never get this far. It may fall apart before which is the consensus from numerous experts. If it falls apart the Federal Reserve debt will be defaulted on. The banks will be gone. People will just own their homes. What happens to renters is a good question. Under these circumstances the USD will go the route of the confederate dollar after the south lost the war, completely worthless, as were their bonds. The stock market will also crash completely since the Federal Reserve drives it. Law and disorder is likely to prevail as states join together to form new nations. The unproductive sector of the economy will not have a home. The welfare state will be gone for many decades if not centuries. There is going to be a lot of gangs, and crime. Think the breakup of the USSR. People will be poor. Healthcare will be minimal if at all present. Expect some years of this.

The USA will bounce back much faster and stronger than the USSR since capitalism was foreign to the USSR and they had to figure it out on the fly. The problem is no one knows how hard the police state is going to fight to retain control when things get bad. I would say they would fight all the way, no limits. In any event the potential for some ugly years that are so bad people will suppress the memories for the rest of their life, are on the way. States rights and secession will only be a painless exit if the fed does not fight tooth and nail to retain control. Remember they never accept any blame for anything. They never make mistakes. Do you think Obama will just let the states go ahead and leave?

Stock Market Report Today

Where can you get a stock market report today? Having up to the minute news and information about your investments is especially important now that markets around the world are open 24 hours and after hours trading is not uncommon. This article is going to look at various places where you can get a stock market report today.

MSN, CNN, USA Today and other news sources frequently post stock market changes on a daily basis. They even update when major information becomes available.

The Motley Fool is another good source of today’s stock market news.

The markets such as NASDAQ and the New York Stock Exchange also publish current information in real time.

If you need up to the minute information on specific stocks and are relatively new at investing, you might want to consider using a paid service. When you use these services, you can plug your investment portfolio into the calculator and watch the results in real time.

If you are a more experienced investor, more sophisticated tools exist for you.

The worst thing that can happen is for you to own a stock that takes a nose dive and you are not able to pull your money out before it bottoms. You can lose a small fortune – or your entire savings – should the worst occur.

In addition to having current, real time information on stocks, you may also want to consider having a stock predictor so that you can make sure that you are investing in the right direction. There are many paid services and computer software that allows you to do this.

What Happens When You Let Investment Bankers Run a Country

If you’re like me, you’ve probably looked at the US recently and wondered what has happened to your country. I’m not talking about the GOP/ Obama situation nor am I referring to capitalism vs. socialism…

I’m simply talking about basic common sense items like: stay out of debt, don’t do anything if it doesn’t make sense, do you homework before signing a contract, etc.

Indeed, the American government (I’m including the Federal Reserve in this category) began charting a strange course as a country when the Financial Crisis first accelerated with Bear Stearns’ collapse in February ’08.

Granted we’d flirted with government intervention several times before (Chrysler in the ’70s, Long-Term Capital Management, etc.). But we’ve since taken it to a whole new level. The basic risk of capitalism (failure) has been removed from the equation for most major US businesses. However, this risk was removed at the expense of increasing the US’s debt load and putting the dollar at risk.

Pushing to remove risks so you can pursue insane business practices? Crazy deals that offer little benefit to the parties? Doing things quickly without actually considering the consequences?

Sounds a lot like investment banking doesn’t it?

Investment banking as an industry runs almost completely contrary to wealth creation since it thrives on fees rather that capital appreciation. Investment banking is about making DEALS (any deals) regardless of whether the deals make sense or benefit both parties (after all, the advisors to the deals, the investment bankers, get paid based on commission and free stock).

Indeed, investment banking is one of the few industries on the planet in which you can get rich by creating debt for others to pay off. Goldman Sachs, as you know, is an investment bank. And this financial crisis is riddled with former Goldman Sachs execs.

Hank Paulson is the most famous. In the private sector you’ve got John Thain of Merrill Lynch, Robert Steel of Wachovia, Ed Liddy of AIG. On the government side of things, you’ve got Hank Paulson as Treasury Secretary, World Bank President Robert Zoellick, Neel Kashkar who’s in charge of running the Troubled Asset Relief Fund (TALF), and others. On a side note, Matt Taibbi, a reporter for Rolling Stone, just did an outstanding piece detailing the the full extent of Goldman’s involvement in the bailouts and crisis:

You can see the “investment banking” stamp everywhere. Consider the deals the Feds have created and consider the actual benefit they offer to the parties involved:

Bear Stearns/ JP Morgan
The US taxpayer/ Fannie Mae and Freddie Mac
The US taxpayer/ AIG (and all of its counterparties)
Merrill Lynch/ Bank of America

All of these deals were terrible. All of them were rushed through. And all of them were allowed because of lax regulation/ poor analysis. To this day no one in the mainstream media seems to have adequately analyzed these deals in a way that includes actual numbers. Instead we get dopey adages like “it’s about stemming the tide,” it’s important to “stop the bleeding,” “it’s about saving the system.”

You can also see the “investment banking” stamp on the Federal Reserve. Two years ago, the Fed owned $800 billion worth of Treasuries. Today, its balance sheet contains $2.1 trillion worth of assets, only $543 billion of which are Treasuries. And with only $51 billion in capital, the Fed is leveraged at 42 to 1!

Tons of junk assets that aren’t properly valued? Refusal to reveal the real worth of your balance sheet? Leveraged to the hilt?

Sounds like investment banking!

To me this financial crisis is nowhere near over for one simple reason: we continue to perpetuate the VERY same business practices that created it in the first place. It’s like a junkie getting clean by continuing to use dope. In the US government’s case, it’s just that the junkie has super clever explanations and jargon to explain why this is a good idea. The reality is that it’s not. And it’s going to end very, very badly.

Covering all of these items in detail (as well as how to prepare your portfolio to deal with them) would take too long for one little essay. So we at Gains, Pains, &Capital have put together a FREE special report on how to prepare for the Second Round of this financial crisis. It’s available on our website.

Be Safe,

Graham Summers

Gains, Pains, and Capital is OmniSans Research’s FREE daily e-letter covering the equity, commodity, currency, and real estate markets. Written by Graham Summers and other veteran contributors, Gains, Pains, and Capital offers top of the line, independent analysis of financial markets, economic data, and the political moves that drive them.

Delivered every morning to your inbox before the market opens, Gains, Pains, and Capital shows you the REAL story behind market fluctuations.

We’ve already uncovered the following opportunities:

How to Buy Gold at $188 an ounce…

Three Investments that will SOAR in the coming Inflationary Holocaust…

A SECRET Investment offering the largest payouts permitted by US law…

And MORE!