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The Federal Reserve has been operating like a sovereign power and dumping billions of dollars into U.S. and world markets.

Please remember that those billions aren’t even paper dollars. They are nothing more than computer generated digital blips racing around the globe via the Internet.

Exactly what is a digital blip worth? For that matter consider that the paper dollars in your pocket are backed by nothing more than digital blips.

Washington backs those dollars and blips with nothing more than the promise of “I owe you nothing”. If you walked into the U.S. treasury and asked to exchange your dollars you would be met by blank stares. After all, it’s been a few decades since anyone even pretended that a U.S. dollar had any real value.

That brings us to the problem. With the world’s supply of U.S. dollars greatly enlarged we will soon see more dollars chasing the same amount of goods and services. Actually, in a recession/depression there will be a diminished supply of goods and services. That means the increased supply of dollars will be vying for fewer goods and service.

You don’t need to be a Stanford economist to know that your government is lighting the fuse to an inflationary explosion. The result will be that every one of your dollars will be worth less… and less… and less. It’s the time honored way governments rob from their citizens to pay for politicians misguided financial policies.

When all of this financial craziness begins to spin out of control governments resort to currency controls. Remember, the only thing your elected politicians know about money is taxing and spending. They will promote currency controls as a way to punish “speculators” and “un-American investors”.

Here’s what Wikipedia says: “Currency control is a system whereby a country tries to regulate the value of money (currency) within its borders. From simple to complex policy changes, it can be characterized as a government initiated system to control currency fluctuations through interest rates, bonds, laws, money printing, and many more.”

The Internal Revenue Service has been practicing a unique form of currency control for some time. Under the pretext of stopping the movement of drug and crime money they have intimidated many foreign banks to the point where a U.S. citizen won’t even be considered as an account holder.

In other words, it is becoming very difficult to protect what little wealth you have by moving it out of the grasp of the tax and spend politicians. Their goal is the “Plumber Joe” tactic of “spreading the wealth”. That simply means taking money from you and giving it to someone else. Is that the same as buying votes?

As this is written you can still find a few solid, offshore banks that will accept your money if you do some research. Try banks in Panama, Belize, Austria and Switzerland. Some will open accounts if you deposit as little as $5,000.

A quick look at history should remind you that when FDR kicked off the New Deal in the 1930s, restrictive SEC rules cut off most U.S. investors from direct foreign investments.

That’s exactly what’s happening as IRS “qualified intermediary” rules claim U.S. jurisdiction over foreign banks’ operations and demand they follow Washington’s rules. Your government and the IRS are working full out to keep you and your money at home. May I remind you that under the PATRIOT Act, government guys with guns can confiscate your cash at will and they can do it in secret.

What are the alternatives? Buy Latin American real estate as many North Americans and Europeans are now doing. Or use your dollars to buy gold.

Gold is the only real money with silver a close second. So many people in the U.S. have turned to gold and silver billion recently that it’s now hard to find a supply of physical coins and bars. Call your local coin shop and see what’s available. You may be surprised to find they are sold out. The same is true with the big dealers you can find on the Internet.

When citizens don’t have the freedom to manage their money as they wish they flee the government’s manipulated system and seek to preserve their wealth anyway the can. That’s happening right now!

Mark Walters is a third generation real estate investor and founder of CreatingWealthClub.com. For a limited time Mark is offering his big guide to finding hard money loans for real estate investing free. Free guide to private money loans.? http://www.FindPrivateMoney.info

How many times have you or significant other said it: “We’re running out of space here? Maybe you just got married, or had a child, or maybe you’ve been in the same place for the past 10 years. The truth is, you are not running out of space. There’s just too much stuff in the room.

“But”, you might say, “we’ve rid ourselves of everything we can.” Really? I would be willing to bet you have not, and if you have, then your space is being extremely inefficiently used. What are my qualifications in saying this? Well, for one, I live where you live: A small, one bedroom apartment with less than 700 sq feet of actual living space. I share this with my wife. Our bedroom has just enough room for our bedroom set. I’m not saying I am the be-all, end-all when it comes to organization, but I can tell a few tricks that will free up enough space for you to breath. I will attempt to do this, if you will give me just a few a minutes of your time.

We’ll start with the living area, and more specifically, with the kitchen. After our wedding, my wife and I found ourselves in a bit of a predicament: The kitchen was small, and we had just received tons of small appliances as wedding gifts. Add those to the clothes, and other belongings I brought into the marriage with me, and you get some pretty close quarters.

I found a solution to the problem from a restaurant I worked in several years back. The building we inhabited was an old cotton mill, that had recently been rehabilitated for use as a mall. As such, there was no available shelving in the room where we stored our dry goods and catering equipment. To fix the problem, we relied on industrial baker’s racks for storage. We’re not talking about the wimpy, decorative racks with the same name that inhabit Martha Stewart’s house. Nope, we’re talking about NSF approved, stainless steel constructed, commercial duty baker’s racks.

So, the wife and I picked one up at our local home improvement store for about $139.95, and cleared up a vast amount of floor space. The same holds true for our electronics. With things being so tight, we couldn’t have afforded to place a traditional home entertainment center in our living room. Our cable box, DVD player, and Wii were sitting on the floor. So, I purchased a so-called “floating shelf”.This keeps the bracket and support hidden in the shelf itself. While very functional, it has the added benefit of keeping visual clutter to a minimum as well.

We also hung the power strip on the wall, out of sight, behind our TV. Are you seeing a trend here? When we say we are out of space, we are almost talking about it in horizontal, floorbound sense. Very few people use vertical space to improve their storage capabilities.

Vitamins and supplements have been and are a big thing at our house. The only problem was the space they occupied on our small kitchen counter. A two-tiered, rotating shelf ended it immediately. While this seems like a no-brainer, you would be amazed how many people simply do not go out and buy one of these. We actually had a hard time finding one, and ended up going to a specialty home goods store to purchase one.

What about the clothes I brought in to the marriage? Well, I went through quite a few, and put them in the goodwill bag. The others, I put on hangers, even my tshirts. I have found over the years that hanging is a far better method of clothing management, than say, folding. Folding is easily undone while scouring your drawer in the early morning, while looking for something to wear. Hanging your clothes keeps you from needing an extra dresser in your apartment, and keeps your clothes(relatively) free from wrinkles. Plus you can pick out your clothes at a glance, a definite time saver.

Something else that really works well at freeing up space in a closet, comes in the form of the venerated “Space Bag”. Yes, I know the commercials are cheesy, but the invention works extremely well, especially for bulky comforters and blankets. I rarely recommend things by name, but if it works, it works. While we are at it, a shoe rack is a no brainer. You will also come close to tripping and hurting yourself several times a day if you do not own one.

Another thing that helps greatly is to have easily moveable, or multiple purpose furniture. Coffee tables are extremely nice things to have. Unfortunately, most of them are wasted space. Try to get one with drawers, or better yet, get the table that has seats that store underneath it when not in use. If you were really desperate for space, this could take the place of a dining room table.

There are many different ways to maximize your space, without springing for a 2000 sq. ft. house. There are tons of ways to organize your home. I’ve shown you some cheap ones here. If there is one thing I want you to take away, it is this: If you are losing horizontal space, move your stuff up. I’ve taken alot of space to say it. Hopefully, you’ll take a little time to try it.

Kurt Hartman could still stand a little more space to spread out. He is the Head of Employee Training at Mobile Fleet Service, Inc. They sell tires to the mining and earthmoving communities around the world.

Many people struggle to control their weight. However, while they are going on and off various diets, they fail to realize that they are also struggling to control blood sugar. Actually, the cause of blood-sugar problems may be weight problems, as being overweight and having blood sugar problems tend to go hand in hand. Too many blood sugar swings during the day tend to increase hunger jags, snacking, and overeating. When you overeat, you’re much more likely to add on the pounds, setting the stage for obesity, pre-diabetes, and full blown diabetes.

Sadly, both pre-diabetes and overweight have become modern epidemics that are out of control, with two of every three Americans being overweight and over 100 million people having some signs of pre-diabetes. Both of these illnesses are nutritional disorders that result from eating too many unhealthful foods. However, there is good news: you can reverse pre-diabetes and control your weight.

One can self-diagnose pre-diabetes by looking for the most visible symptom: being chubby or fat around the waist. Other clues are cravings sweets and starchy foods, not being hungry at breakfast, and feeling tired or mentally fuzzy after lunch. Many physicians diagnose pre-diabetes when a patient’s fasting blood sugar falls between 100 and 124 mg/dl. There are several dietary factors that significantly increase the risk of overweight. Some of these being: too many calories, too many refined carbs, especially sugars, and too many unhealthful oils.

The average woman needs about 1,600 calories and the typical man needs about 2,000 calories daily, but the average American now consumes 3,900 calories each day, making it difficult to burn off all these calories and causing the accumulation of body fat. Because most excess calories take form of refined carbs and sugars, which are digested rapidly, rapid or extreme spikes in blood sugar levels, elevated insulin levels, and bouts of hunger result, which stimulate low blood sugar. Trans fats, which are found in partially hydrogenated vegetable oils, interfere with the body’s processing of fats and often lead to weight gain. Most of these problematic calories are found in fast foods, microwave foods, and other types of convenience foods, which are all best if they are avoided.

Even though pre-diabetes can be scary, it’s actually an opportunity to improve your eating habits and regain your health. To improve your health you can emphasize quality protein, emphasize high-fiber vegetables and fruits, include grapefruit in your diet, use more vinegar, and add some cinnamon. Since protein stabilizes and safely lowers blood sugar levels, be sure to start each day with some protein with breakfast and eat a little protein with each meal.

Most veggies and fruits are rich in fiber, which helps to lower blood sugar, so opt for salads and steamed broccoli while avoiding crutons, potatoes, bananas, and pears. Despite the calories, eating fresh grapefruit can help in weight reduction. The acetic acid in vinegar can also help to improve blood sugar and insulin levels, reduce appetite, and help with weight loss. Adding cinnamon has also been shown to reduce blood sugar levels. There are also several supplements that have exceptional value in improving insulin function or lowering blood sugar levels. These include lipoic acid, chromium, silymarin, omega-3 fish oils, vitamin D, and Pycnogenol.

You can also enhance the benefits of diet and supplements by increasing your physical activity as it helps build muscle and burn blood sugar and fat. Tackling pre-diabetes can not only reduce your long-term risk for health problems, such as heart disease and Alzheimer’s disease, but also can allow you to quickly gain more energy and feel less post-meal fatigue.

More information on blood sugar lowering vitamins is available at VitaNet ?, LLC Health Food Store. http://vitanetonline.com/

Hiring the right web designer is a must if you plan on creating a professional website. The question is how do you choose that web designer. This is the first part of a two part series that will help you make the right choice.

1. Ask around for referrals

You need to first find some options. You could look for web designers in your local phone book or search for web sites on the Internet, but the truth is that the best way to find a web designer who is going to do a good job is to talk to people who’ve used web designers. Talk to others in your field. Talk to other people you’ve worked with, such as copywriters. Ask around, and you’ll be likely to hear some good things about a couple of web designers, at least.

2. Get 3 quotes

Since price is going to be a factor in which web designer you choose and since prices vary a great deal, you should always get a minimum of three quotes from three different web designers. But comparison isn’t the only reason to get these quotes. You’ll also learn something about the web designers’ customer service: if they don’t respond quickly before you’re a client, imagine how they’ll respond after they’ve already got your business.

3. Look for experience

You don’t want to work with a web designer who’s just starting out if you want a professional quality site. So you should ask about their experience. That doesn’t just mean how many years have they been working in this field but also how many sites have they created during that time and how many different clients they’ve worked with. The more experience your web designer has the better but also greater experience means greater cost.

4. Meet your needs

You also need to make sure your web designer can meet your needs. If you want interactive elements in your site or if you want some Flash demos, then you’ve got to make sure your web designer can provide these features. Don’t rely on a web designer who has no experience in these areas.

5. View portfolio

Web designers usually include links to samples of their work on their web sites. If not, you should inquire about viewing their portfolio. You need to see for yourself what these web designers are capable of doing before you sign on the dotted line.

6. Communicate clearly

An often overlooked issue when choosing a web designer is how easy it will be for the two of you to communicate. For example, will you be able to talk over the phone or only email? Are you in similar time zones so communication can be fast? Additionally, you should choose a web designer you can understand – that doesn’t mean just someone who speaks your same language but also someone who doesn’t rely on techno-jargon to explain things.

7. Read testimonials

While looking at a web designer’s work is important, you should also make it a point to check out the testimonials their clients have left them. Sometimes these are also listed on the web designer’s site. If not, you might want to ask if you can contact their past clients so you can get a feel for their abilities.

8. Ask about support

With some web designers, the moment your site is finished, your relationship is finished. That’s probably not what you want. Hopefully, you choose a web designer who provides ongoing support, meaning they’ll be happy to answer questions you have about your site even after it’s been up for months.

9. Share vision

One important element of choosing a web designer is that they share your vision for your site. If they don’t, then you’ll find the entire process frustrating, time-consuming, and disappointing. At the end, you’ll end up with a web site you’re not happy with. Explain to potential web designers what you are looking for and be open to their ideas but remember that the site and final decisions about the site should be yours.

10. Sign a contract

With any web designer, you should sign a written contract that outlines your entire agreement. If a web designer doesn’t use written contracts, you should look elsewhere. If there’s a dispute over your agreement, both of you will benefit from having the terms in writing.

Roger Cochran writes for NetDogz, a web designer that has been in business since 1999.

You have a web site, but you also have a busy work schedule and persona life. When are you going to find the time to do the tedious chore of updating that site?

You know that you must do updates. Visitors quickly get bored of going to sites where nothing has changed for weeks. If you don’t want to lose that valuable web traffic you’ve worked so hard to attract you’ve got to find ways to make updating easier, right?

The good news is that there is a solution. Content Management Systems (CMS), also known as Web Content Management Systems, can simplify the whole process. Basically, a CMS is a type of software that runs on your site’s server and makes it easy for you to organize documents and even multimedia items, such as images or sound clips.

With CMS, you can create standardized templates so all of your materials will have a consistent look. You won’t have to do any additional coding; you just have to cut and past the information into the software. Plus, if you have copywriters or contributors who supply the content for your site, you can provide them access to the CMS so that they can enter the information directly into the template. Although you’ll still have to publish it to the site, at least part of your job will be taken care of.

The nicest part of CMS for many site owners is that they don’t have to pay a web designer just to do the updates for the site. Because the CMS requires little to no technical knowledge, almost any user can effectively make these changes and create a professional-looking, up-to-date web site easily.

Some examples of Content Management Systems are:

Macromedia Contribute (now owned by Adobe). The nice thing about Contribute is that it allows a novice to maintain their own site. It is very cost effective (around $100-200) and once installed it allows you to make changes to your site through a web browser. It is geared to the complete novice and is mainly used to update your site’s content. If you want to just update your site’s text and photos this is the site for you. It is even easier to use than Frontpage, which is often considered the easiest wysiwyg tool out there. WYSIWYG stands for What You See is What You Get. That means that the software tool that you are using to design your site shows you what you are working on is pretty much what you are going to get when you publish or upload your website’s files.

As always, when working on your site you should make sure that you make backup copies just in case something happens when you are making changes to it. Don’t always rely on your web hosting provider for backup copies. They might not always have the most recent version of your site plus it is a hassle to get these files from them sometimes.

There are a large number of these systems available. You can talk to your web designer about which programs he or she might suggest or you can do some research on the Internet. Either way, you should be able to find a CMS that will fit your site’s needs and that will free up your time and money for other important parts of your life.

NetDogz is a connecticut web design firm that has been in business since 1999.

Parenting is the raising and nurturing of children in a way that empowers them to lead a better, safer and secure life. But when does the responsibility of the parent actually start? And when does it really end?

In my opinion, the responsibility starts before the birth of the child. In fact, it starts even before the conception! And the shocking reply to the second question is – it never ends!

When you give birth to a child, it is important that you are physically, financially and mentally prepared to take responsibility of its rearing. You should be confident that, under the present given circumstances, and taking into account your future circumstances as you foresee them, you will manage to nurture your child at least to the point that you can take care of their physiological, social, educational and security needs.

Once you’re fully prepared, your parenting responsibility moves to the next stage – after conception and before birth. The mother should not smoke or drink during pregnancy, it adversely affects the child. This could be to the extent of being physically or mentally retarded (or both). If the father smokes, it is important not to smoke when his wife is around. This means that she should stay away from all smokers – passive smoking is almost as dangerous as active smoking. Taking care of one’s own mental and physical health, avoiding stress, having an overall good mood and being in a happy state of mind, etc are some of the things a mother should do during pregnancy. In fact, it is said that the mother’s environment is 100% responsible for the child’s values, even before birth. This includes the music she listens to, the movies that she watches, her thoughts, etc.

Next comes the stage just after the birth of the child. I will purposely skip this section as this information is very common and you can easily get it by searching on google. You will also find this information at http://www.bharatbhasha.com/parenting.php

During parenting, parents play different roles of life which include but not limited to:

Policeman: You need to analyze when it is right to let the child have its way and when you should firmly put your foot down. It is all about balance and socio economic conditions. Give some freedom when required but deny something that is not good for him / her. This does not necessarily have to be similar to a policeman’s behavior, but you can lovingly make the child understand what is good for him and what isn’t.

Friend: More often than not, children trust their friends more than their parents. If you can be “that friend”, you can be assured that the child won’t hide anything from you, much less, do something against your wishes. If you’ve created that attitude from its early understanding stages, you shouldn’t have a problem in accomplishing this goal.

Detective: Yes, you need to keep a hawk’s eye on your child. And at times, it may even be necessary to contract a real detective if you suspect the whereabouts of your child. While some parents do not agree to this on the pretext that they trust their children, I will still agree to it. You can trust the child but you cannot trust the environment, your child’s friends, and the overall things that try to change or manipulate the thoughts, the feelings, the attitude and the general outlook on life, of your child. If you do not believe me, trying answering this question and see for yourself:

Have you trained your child to the point that they can easily understand when someone is trying to persuade / manipulate them to do something which is wrong, and they are completely fulfilled when it comes to all of their physiological needs, their social needs, their need to feel needed, their need to be noticed and felt understood, their need to be right, and their need to have a sense of power?

If even one of these is missing, it means that you need to keep a check on his / her belongings, conversations, behavior, attitude, spending, etc, even if you don’t like to. If you can afford a big allowance and you want him / her to enjoy it, at least make it a point to keep track of the expenses.

Due to limited space, I will have to end this article here. Do remember – your responsibility of parenting continues even after the child grows up, finishes school, finishes college, gets married, and has his own children. The most dreaded words that a parent fears to listen (but many have to listen) are “If you can’t take care of me, why did you give birth to me?” For some more great and free parenting information, do visit http://www.bharatbhasha.com/parenting.php.

Nirjara Rustom moderates the parenting tips section of http://www.bharatbhasha.com at http://www.bharatbhasha.com/parenting.php. The content here is free to read, so do check it out.