The Indian Financial Market Scenario

The financial market for any nation depends on the well-being of the money market and the investors in long-term and short-term investments. But why should investments occur? For a nation to witness growth and harness the power of its resources, investments are essential and thus to start up any business unit for that matter, investments are of a key concern. This not only depends on the ready availability of the money in the market, but also to a great deal on the mechanism of transmission of such funds and the interaction between the lenders and borrowers.

The Indian financial market essentially comprises of two major segments: The money market and the capital market. The money market deals with short-term investments and turnover of money, whereas the capital market deals with long-term investments and thus the turnover of long-term credit. The money market does not deal with a specific location or a certain amount of money. Instead it deals with a whole lot of financial institutions and other organizations that are involved in the transactions of the funds and short-term investments.

Money market also takes into account the various investors in the market who tend to supply the various funds and the other dealings that happen over telephone, e-mail and more. The Reserve Bank of India, Co-operative banks and other NBFCs form a major part of the money market as well. Well-known common examples of money market transaction involve the short-term deposits and investments that happen in any common bank. Commercial bills, Treasury bills, Call money and much more form a part of these transactions in the money market.

Another popular term associated with the money market is the intraday. What is intraday? In simple words, intraday can be defined as the ups and lows of the security. For instance, a new intraday refers to the upliftment in the value of the security in the money market. So, turnovers and new intradays are ideal signs of a vital money market in the country.

Capital Market on the other hand deals with medium and long-term funds, mostly stocks and shares. It requires the involvement of financial organizations that require pledging of investments for borrowing money. The most common and popular mode of investment is the equity sharemarket, that is involved in the upbringing of new organizations. The only disadvantage of such a sharemarket is that unlike the preference shares, once declined, there is no means of retrieval.

Reliance Share Price in the Indian market has been the most popular amongst investors ever since the industry plunged into the making of cellular phones and had their shares boosted up in the equity as well as the preferential markets. But, the present scenario doesn’t seem to work well for the Ambanis. Reliance share price has been facing a constant set back in the market with prices dropping as low as 13% and even more day by day. Latest news that have crept up state that Reliance Capital have decided to sell away their stake to Nippon Japan, one of the leading investment stake holders in the foreign investment sector of the share market India.

Skater Choice: Nike Dunks Sb

Skater Choice: Nike Dunks Sb

Nike dunks sb seems that all of our questions answered, “I” word, and if some people hearing this sick, this is really the future of the human race. Internet fundamentally how we do business, seek information, and even changed the store. Store unusual trends and products easier, because only a search engine, found. No matter what you are rarities, including music, movie lines, an invitation to a wedding, or even looking at the clothes to find anywhere on the Internet. This is one of many miracles, and when the Internet is not used only by the person you are cheating yourself.

Nike Skinny Dunk High Doernbecher By Makayla Hansen

If you are tired of people preaching to you on the Internet to get something about this, because even if you do not, the Internet is not available anywhere else where in the short term. Many people do not want your assurance that you do not see what should be an irony, because the land is 90% of the world’s population in a supreme being, if you believe one way or another. That is, at least you can see on the Internet to use it, and know that it exists. As you can see who is calling your order in a register or not the end result is quite realistic from. USPS, UPS or FedEx driver, presented their products at home or at any other e-mail is a very good business, regardless of how you want to see.

These skateboarding shoes are extremely rare, and you probably know very few people who have them. Only a limited number of shoe stores, and when they receive very little. Nike pushes her that some of the best skate shoes on the market, promoting comfort, style and design of concrete skateboard. As the world such a small amount in the shops, so that the choice to search: the Internet.

Nike Dunks Custom High PRM ND – Superman

These new shoes Nike and others make it difficult to obtain, because they can test the market before the start of mass production. Just as we have our strength, there is the use of the Internet, companies that manufacture and sell products such as shoes, Nike Dunks SB. Everyone must find a way to create applications that enhance opportunities and internet marketing that comes with knowledge. Do not sound like a cliche, but “all the same, why not?”

If you know the skater or skaters who know the comfort and style of Nike SB Dunks, perhaps. The world of skateboarding has become so large that we can see, even the most marketable name in order to take a piece of action. Skating is not a society that only one U-skaters will know the names, such as DC, has an independent truck drivers, and Hurley. Skateboard has evolved, so has the team.

Barclays Chairman Quits in Bid to Stop The Bleeding

The chairman of Barclays was poised to step down last night as the storm over the interest rate fixing scandal led to sackings at another high street bank and political pressure grew for a City-wide criminal investigation.

The departure of Marcus Agius is expected to be announced by Barclays today as the embattled bank moves to satisfy political demands for a senior executive to take responsibility for the debacle which has wiped billions off its share price and shaken confidence in Britain’s financial institutions.

The move came after it emerged that the taxpayer-funded Royal Bank of Scotland has sacked four traders over the scam and Vince Cable, the Business Secretary, said he supported a police inquiry into the manipulation of the Libor inter-bank lending rate.

The hardening of government rhetoric – Mr Cable says the Serious Fraud Office is re-examining evidence of rate-fixing – came as Barclays and other banks at the heart of the scandal braced themselves for “BP-style” lawsuits that are likely to cost billions of pounds in compensation.

The Barclays board hopes that the departure of Mr Agius, who had a difficult relationship with shareholders, will relieve some pressure on the bank’s embattled chief executive, Bob Diamond. Mr Agius is due to go before the Treasury Select Committee on Thursday and is expected to appear even if he resigns. He is expected to be replaced, at least in the interim, by Sir Michael Rake, an experienced City figure who is currently the bank’s senior independent director.

His resignation letter is expected to accept that the buck stops with him and to offer an apology to staff, customers and shareholders for the “devastating blow” to the bank’s reputation from an “unacceptable standard of behaviour”.

Mr Agius earned 750,000 a year for a three-day week and was on 12 months’ notice. He also held 232,000 shares, worth 378,000.

Meanwhile, it emerged yesterday that Mr Diamond told City analysts hours after his bank had been hit with a record fine that he was confident the firestorm “will fade”.

An email circulated by staff at the investment giant Morgan Stanley following a face-to-face meeting last Thursday showed Mr Diamond to be in a bullish mood, insisting that he had no intention of resigning despite admitting that the exposure of the rate fixing was a “significant blow” and he expected matters would “get worse before better”.

Mr Diamond’s position remains precarious despite his insistence that he will remain in his post. Patience Wheatcroft, a Conservative peer and a former non-executive director of Barclays, yesterday joined the list of those, including the Labour leader Ed Miliband, who have called for his resignation.

A copy of the memo obtained by The Independent reveals how the bank boss said he feared the scandal would lead to what analysts described as “more political intervention” and that it reinforced the “bad caricature” of the industry. Mr Diamond, who last year called for an end to banker bashing, said he expected pressure on the industry would recede once reforms had been put in place to deal with the question of what to do with banks deemed “too big to fail”.

Under the heading “Political and Regulatory Aftershocks”, the Morgan Stanley memo based on Mr Diamond’s comments said: “[He] fears more political intervention. Thinks political and regulatory pressure will fade as the too-big-to-fail question is addressed… but that is for the longer term and things get worse before better.”

The 17m-a-year chief executive also acknowledged that Barclays and other British banks under investigation for rate fixing, including RBS and Lloyds Banking Group, face the prospect of a wave of compensation suits and raised BP, which is facing a total bill of up to 40bn for the Gulf of Mexico oil spill, as “a case in point”. A Barclays spokesman said yesterday: “We do not comment on analyst notes.”

Mr Diamond will be asked about the size of Barclays’ legal liabilities when he appears before MPs on the Commons Treasury Select Committee on Wednesday for what is likely to be an uncomfortable examination of his actions to deal with rate fixing.

It emerged yesterday that the Barclays boss held a conversation in 2008 with Paul Tucker, the Deputy Governor of the Bank of England, about the bank’s predictions for Libor, which acts as a benchmark for financial instruments worth 229trn worldwide.

MPs are likely to ask Mr Diamond why, following his telephone call with Mr Tucker, managers of Barclays’ investment arm believed the Bank of England had sanctioned the practice of making the bank look stronger than it was by submitting lower interest rates than it was actually paying itself.

The Financial Services Authority, said last week that Barclays and the Bank of England had agreed that the central bank gave no instruction for Barclays to falsify its submissions during the conversation.

The repercussions from the Libor manipulation, which took place between 2005 and at least 2009, and led to Barclays being fined 290m by American and British regulators, extended to a second UK bank for the first time when RBS said it had dismissed four traders over the practice at the end of last year. The sacked men were named last night as Paul White, Neil Danziger, Andrew Hamilton and Tan Chi Min.

Mr Tan, who was sacked for gross misconduct for trying to influence Libor rates, claimed in court papers filed yesterday that the bank had condoned the practice and it was common for senior staff to make rate requests to maximise profits. The bank, which is still struggling to overcome the computer glitch which froze millions of clients out of their accounts, declined to comment on the sackings.

Mr Cable supported a call from Lord Blair, the former Metropolitan Police Commissioner, for a police investigation into what he said appeared to be evidence that Barclays staff had perpetrated a conspiracy to defraud.

David Cameron is also under pressure to widen the terms of a review of the way in which Libor rates are set.

Rake’s progress: new man in charge

Polo-playing Sir Michael Rake is a serial chairman of some of Britain’s biggest companies who as a young man flunked his professional exams but went on to become the country’s highest paid accountant

As a schoolboy he dreamt of becoming an RAF pilot but when his hopes were dashed because of a skin complaint he turned to accountancy. He had postings in Europe and the Middle East before his career took him to the chairmanship of KPMG International and an annual income of 3.6m.

U.S. Convenience Store Market to Grow at 7 Percent CAGR by 2013

According to our research report “U.S. Convenience Stores Market Outlook to 2013”, the convenience store industry in the US is one of the largest and fastest growing sectors that is present highly profitable investment opportunity for new players. The segment, which forms about 12percent of the retail industry, has been growing fast for the past few years. Although the industry witnessed a slump during 2009 due to the global instability, growth has always been on the cards from early 2010 and is expected to continue the same trend during the next few years. Driven by in-store sales particularly, in food and beverages segment and stabilizing economic factors, C-store sales are expected to grow at a CAGR of around 7percent during 2010-2013.

As per our research, the c-store market has not only emerged as an important segment in the country’s retail industry, but it has continuously surpassed sales growth of other formats. This, coupled with factors, such as lucrative operating margins and lower operating costs, has attracted huge investments in almost every region. In-store segment also shows clear signs of being a bright future prospect in terms of sales.

Further, our report provides thorough research and prudent analysis to determine the direction, in which, the c-store market is likely to move in near term. According to our study, other industry verticals will grow simultaneously, for instance, RFID and Security Devices. We also found that, the industry is on the verge of consolidation as many players are ready to expand. Additionally, some big players are entering the convenience channel format, which will intensify the competition in coming years.

“U.S. Convenience Stores Market Outlook to 2013” provides valuable information regarding the US C-store industry, prevailing trends, and future scope. The report analyzes industry trends and market drivers to assess the industry. The report covers analysis of key players along with their SWOT analysis. Our report presents futuristic scenario of the US convenience store industry, which will prove valuable for clients, while making investment decisions in the industry.

The report is an outcome of an extensive research and in-depth analysis of the global fuel cell market that makes use of reliable statistics and effective presentation to show valid information. The forecast in the report takes help of methods and techniques with proper base, which seek to present a realistic outlook. Last though not the least, coverage of key market players completes the overall analysis.

For FREE SAMPLE of this report visit:


The Don Corleone of West Third

You may have read blog posts about her role in delaying the opening of the highly touted Magnolia Bakery on Third Street a few weeks ago. She is the Don Corleone of the Wilshire / Fairfax / Third Street / Beverly Blvd area. Her tactics are brazen and vicious. Like a terrorist leader, she has an endless supply of angry, alienated underlings to do her bidding. Amazingly, few people outside of L.A.’s political elite or her extortion victims would even recognize her name.

What does she want? Money and power. She claims to be protecting her neighborhood from “greedy” small business people while she and her cronies pocket payoffs, large and small, from small businesspeople, political candidates and large developers, alike.

She uses her intimate knowledge of the City of L.A. Planning and Building Departments to delay anyone doing anything in her neighborhood for YEARS until she either loses a court challenge or collects a confidential “settlement” payoff, rumored to run as large as $250,000 or even $500,000 a pop.

Unfortunately, she operates within the parameters of the administrative rights afforded to well-intentioned residents who legitimately want to ensure that their liveability issues are addressed when new businesses open in the neighborhoods. And she gives this process a bad name. Still, she magically becomes the “new best friend” of any business (big or small) who is willing to pay her price � and to hell with liveability issues. Why else did she try to shut down popular independent businesses like Joans on Third while bending over backwards to support massive projects like the Grove?

Of giant concern is that she is a big chum of Councilmember Paul Koretz, who serves on the same secret Democratic Party “Central Committee.” Rumors abound about her nefarious dealings, from many, many insiders. Even if only half of the stories are true, it is an ethical disaster for Koretz and the City of Los Angeles. The fact that this woman is so transparent, so vociferously raucous with her demands, makes it enormously puzzling why all these powerful developers and politicians would be so “bound” to her.

One can only hope that this “plague” of the Beverly Wilshire is exposed very, very soon, that her political buddies either abandon her or go down with her. Maybe then the future of this great neighborhood can go back into the hands of real people � those who live and work here � instead of being the plaything of housewife mobsters.

Exporting To China – The Trust Issue

==> Trust

You want more sales but your existing market is under pressure. So you look East.

1.3 billion people in one country- almost twice the population of Europe. Beijing, with the population of Austria and the Czech Republic combined. Massive export potential- so how to reach it?

You need Trust. This is first and last. In a country so vast it’s easy for an individual or company to simply disappear, possibly with your money or goods.

==> Gone

Here’s a true story: a German business received an email from a Chinese company, saying that they were very interested in buying his German products. The Chinese company appeared viable from information available on the internet. Several month’s emails and conversations ensued. They were talking about some very substantial orders. The German director visited the “customers” for 2 weeks, was told of very potential Government orders. He made “contributions” to the hosts, with the assurance that an order would be placed imminently. When he returned to Germany, there was no contact from the “customers”- they suddenly became unreachable by phone or email. Disappeared. Gone.

It is difficult to imagine, but the months of subterfuge- exchanged emails, phone calls and the meetings themselves were all done for about 2500 Euros profit for the tricksters. But the loss to the director was so much more- 2 weeks away from the office, flight, hotel, travelling costs, the investment of time and money before the trip, samples, and so on.

And those people are certainly still operating, sending out tempting emails to earnest business people who are lured by the possibilities of exporting into the Chinese market.

==> The Wild East

The Chinese domestic market is not like any other- you could say it’s the “Wild East”. Without any question, you need Chinese to deal with Chinese. You are not simply dealing with a different language or political system, but 5000 years of a different way of thinking. Westerners tend to see a single, black and white picture, but Chinese see multidimensional, multi-coloured layers. To export successfully in China, you need safe Chinese hands to guide you through the minefield that you’re probably not even aware of.

==> Bridging the Gap

YUAN Ltd is a UK company offering a bridge to the East. As an English registered company with both English and Chinese staff they offer the ideal partnership to make Sino-Anglo business a real possibility. Let’s look more closely at their background-

Excess of 10 years export from China throughout the worldCustomers as diverse as General Motors to Dunelm MillsOffices in the 2 main industrial areas of ChinaRetail outlets in Shenzhen, just over the border from Hong Kong

==> So what’s on offer?

Face to face communication with a real person, who will manage your account from end to endA UK registered company operating under English lawOffices in China to handle all your export issues: market and customer investigation, samples, money, communicate and meet with genuine prospective clientsManagement of your travel arrangementsFull office facilities available during your travels

Exporting to China is ripe for some western products, not others. Ask YUAN Ltd for their candid opinion about your realistic chances of success as the market stands now. Meet with them, talk face to face about your products/services. Formulate a plan to get your products seen in China by the right people.

==> Reputation

Seen by the right people- and this is the other key issue. Perhaps more so than any other country, China is built on family, relationships, references, reputation. Not flashy websites, but blood and trust. This is why YUAN Ltd can’t just take on any candidate for export to China: your reputation becomes their reputation. You need to demonstrate that you have the supply capacity, cash flow and domestic repute to get the serious introductions. Trust works both ways! YUAN Ltd.’s reputation and extensive network will open the doors to serious exporters.

==> Possibilities

Go to China with the right support. Use YUAN Ltd to oversee the export of your first order and handle payment issues. Get feedback and support to push for repeat custom. And, if you wish, use YUAN Ltd to help you establish your own office in China.

1.3 billion possibilities. Your move.

Iraq’s Economy – Achievement is Nearing

All the recent reports have shown that the economy of Iraq is growing and it is growing rapidly. It is expected by 2030, that Iraq will establish its own oil and gas set up to control over the Middle Eastern energy output. No doubt that the most significant and largest resource of Iraq’s economy is the oil production and so Iraq is putting much effort on it to expand it at its best.

One of the most hopeful sign for country’s economy is the proper upturn of foreign investment. That could take Iraq to reach its aim. In 2011, Iraq has managed to attract $55.67 billion foreign investors and some other saleable actions.

Truly the government of Iraq is taking attempt for creating a better environment for the foreign investors, recovering from all the inner-state or inter-state political tensions and other obstacles.

The New- York based companies like Exxon Mobil, BP, CAM, WFT etc, they have already invested into the country and looking forward to expand the business. Even Cameron, China and South Korea have shown interest into investing in Iraq. South Korean company STX group have decided and planning to start an extended gas and oil processing plant in southern region of the country, Basra district. The investors are assuming the country as disturbed place because of some past political incidents, but Iraq has worked on security and other issues and so the director of the Baghdad Investment Commission, Shaker al-Zamily assures and says for not missing the opportunities to enter and start business in the country.

The real estate industry is also making its place rapidly. Iraq estimates, it requires to build up more than 800,000 houses or apartments, according to Shaker al-Zamily.

Another problem of the country is facing is unemployment. The country undeniably highly depends on the oil production, but having a population of above 30 million, it is quite hard for the government to employ all the citizens with the help of oil revenues. The government needs to take more wise and clear decision in order to make the economy stronger. 30% or more than that of the budget( $100 billion) is going for pensions and salaries. And most of the Iraqi citizens depend on the government for employment, whereas they should look for abroad studies or jobs and help the country’s economy to grow more.

Besides some negative aspects, Iraq truly has got so many positive points to have faith in it and drawing attention of whole world of economy.

Horizon Lines up $Multi Million Cancer Drug Boom

Cambridge based personalised medicines trailblazer Horizon Discovery is at the heart of a triple global alliance designed to identify and validate a panel of novel cancer drug targets.

The UK pioneer is partnering US biopharma company H3 Biomedicine Inc in the venture. And Japanese giant Eisai, which has its European Knowledge Centre in Hatfield, will conduct any resulting clinical trials.While the specific financial terms of the agreement are undisclosed, comparative target validation deals in the sector would suggest that a potential return of $20m-$30m could be achievable.

It will be the first of many deals of substantial magnitude in the coming year – one of the chief reasons Horizon was recently named Business Weekly’s ‘Company of the Year’.

The deal gives H3 Biomedicine an exclusive option to acquire ownership of all program assets and intellectual property that relates to each of the target programs, with the exception of Horizon background IP.

Horizon will retain commercial rights over any target program not optioned by H3 Biomedicine. Horizon will receive an initial upfront investment, with additional payments as pre-clinical and clinical milestones are reached.

The capabilities of the major partners in the UK-US cancer venture are hugely synergistic. Horizon is a leading provider of research tools to support the development of personalised medicines and H3 specialises in the discovery and development of oncology treatments.

H3 Biomedicine integrates human cancer genomics with next-generation synthetic organic chemistry and tumour biology capabilities to generate a large library of novel small-molecule drugs to treat cancer.

Horizon will work with H3 to perform target-validation experiments identifying critical cancer genome targets whose modulation will have meaningful clinical effect.

H3 Biomedicine will carry out early target discovery through pre-clinical research, while Horizon will implement its three core drug discovery tools to run alongside and support H3’s discovery biology and chemistry assets and capabilities.

The goal is to rapidly come to definitive decisions on whether or not to progress novel targets into development. Eisai Inc., which is partnered with H3 Biomedicine, will conduct any resulting clinical trials.

Horizon’s discovery tools comprise: rAAV-mediated genome editing (GENESIS???) for precision functional genomics (endogenous gene knock-in and knock-outs); an expanding panel of 400+ X-MAN??? (Mutant And Normal) human isogenic cell lines that model specific target patient genetics and their matched normal genetic backgrounds; extensive cell-based assay development and drug profiling experience.

CEO Dr Darrin Disley, said: “Horizon and H3 Biomedicine share a common belief that systematically validating mutant genes with clear roles in cancer evolution may help yield rapidly translatable targets and drugs with greater clinical significance.

“We believe Horizon’s precision genome editing technology, X-MAN disease models and drug profiling assets will play an essential role in working toward achieving this goal.”

Markus Warmuth, president and CEO, H3 Biomedicine said that the successful development of new personalised medicines depended on well validated and characterised targets and clearly defined patient populations.

“High attrition rates in clinical trials have been impacting industry for a while,” he said. “We believe that clinical success starts at target selection and validation.

“We have elected to work with Horizon because its tools will enable us to progress toward identifying the best possible targets for new drugs with the power to have meaningful therapeutic relevance. That may help us to increase clinical success rates and expedite the delivery of new therapies to the patients who need them.”

Credicorp Securities Headlines Traumatized Norway Tries to Return to Normality

(Reuters) – A Norwegian cabinet minister will make a symbolic return on Wednesday to her bomb-damaged office as the nation tries to restore some normality after the massacre perpetrated by a right-winger who his lawyer believes is insane.

Friday’s attacks by Anders Behring Breivik killed 76 and traumatized normally peaceful Norway, which has been struggling to come to terms with his cold-blooded shooting of young people and bomb attack in the heart of Oslo’s government district.

Administration and Church Affairs Minister Rigmor Aasrud will be the first cabinet member displaced by the attack to return to her normal office after the bomb blew a hole through the prime minister’s office and badly damaged other buildings.

For the time being, Prime Minister Jens Stoltenberg will work from the defense ministry which is in another part of the city, and cabinet meetings will be held in a mediaeval fort near the Oslo waterfront. It is not yet clear whether the prime minister’s 17-storey building will be rebuilt or torn down.

Breivik’s lawyer said it was too early to say if his client would plead insanity at his trial, even though he thought the loner and computer games enthusiast was probably a madman.

“This whole case indicated that he is insane,” lawyer Geir Lippestad said of the 32-year-old Breivik, who has confessed to “atrocious but necessary” actions, but denies he is a criminal.

Lippestad said Breivik had stated he belonged to a radical network that had two cells in Norway and more abroad. But police believe Breivik probably acted alone in staging his assaults, which have united Norwegians in revulsion.


Police detonated on Tuesday night a cache of explosives found at a farm rented by Breivik. No one was hurt in the controlled explosion about 160 km (100 miles) north of Oslo.

Police believe that Breivik made his bomb using fertiliser which he had bought under the cover that he was a farmer.

Justice Minister Knut Storberget deflected criticism that police reacted too slowly to the shootings, hailing their work after the attacks as “fantastic.”

An armed SWAT team took more than an hour to reach Utoeya island, some 45 km from Oslo, where Breivik was coolly shooting youngsters at a Labour Party youth camp. He killed 68 there and eight in the earlier bombing in Oslo.

Many Norwegians seem to agree the police do not deserve opprobrium for their response. At a rally of more than 200,000 in Oslo on Monday night, people applauded rescue workers.

Police reopened some streets around the blast site and Oslo’s main thoroughfare, Karl Johans Gate, is showered with flowers as Norwegians pay their respects to victims while nearby vendors gradually reopen for business.

Workers at a corner store about 150 metres from the blast painted on Tuesday the plywood boards put up in place of blown-out windows. Others were busy cleaning up inside.

“Fixing the glass (windows) will take a week or two and the wood looks better painted,” said deputy store manager Aykan Bastas. “We will fix it up nicely, just like before.”

Occupy Wall Street is a Step – United Under One is a Staircase

For the fellow average American, sick of mediocrity; Sick of being pushed around, and willing to take part in a positive movement to create change that benefits all. Let us work together, as we are all united under one, and in combining our efforts, we can make a difference.

We take this time between Thanksgiving and New Year’s to bring up a very serious issue, or group of issues. We hope that the questions we begin to ask will be answered with sincerity and your thoughts for solutions. We hope to pass this letter along to as many people as possible, so that United Under One can put together a platform to send to Washington, prior to the campaigning for the next presidential election. It’s important that these issues be raised, it’s important to recognize the place of disputed beliefs in our society, and respect them. It’s also important for us to ask our leadership questions, with suggested answers, rather than leaving it to their own faculties as they have fallen short for 200 years. We hope that this effort is taken seriously, as now is the time for change, and not just in this country, but also all over the world. These questions are in no specific order. Please consider it a free flow of thoughtful information.

1) The topic of religion has become a serious issue now, more so than ever, in the United States as well as the rest of the world. Religion is becoming a bigger topic for debate in seeking high office. You have to look no further than our Republican hopefuls who are looking to bring the Evangelicals and the Christian Right to the fore, with vigor greater than ever. Their thoughts are not rooted in logic or caring, they’re rooted in strong religious beliefs with the desire to take our freedoms at any cost. It appears in the US, at this point, that the price of freedom IS freedom. Our suggestions to cure this matter lay in the spirit of our Founding Fathers. We need a true separation of church and state, the dissolution of any tax benefits for religious organizations, and the removal of the federal government’s right to assess or approve a religion and its status. People should be left to believe as they choose without any judgment and with any tax benefits. Any charitable contribution to a religious organization should not be a deduction on one’s tax return.

2) There are many problems in our government, for example the FDA, which controls the approval or release of drugs to the marketplace. They develop committees to create criteria of approval to create new drugs, using members of the industry, not disinterested 3rd party scientists, to draw these protocols and approval systems. As we have found through recent legislation, most new drugs are forced to present their contraindications, so we now know that if a woman chooses a birth control pill, or a man chooses to get an erection with the aid of a pharmaceutical, both risk death in the name of sex, or severe side effects. There are many alternatives, but the FDA and the government refuse to accept the privileges of Eastern medicine, homeopathy, and herbal remedies, which create great problems in the further study of their benefits to the American public. We should be demanding equal, dollar for dollar, funding, for alternative medical research and for medical reimbursements for alternate treatments, such as acupuncture, massage therapy, chiropractic’s, NAET practitioners, herbs, and natural remedies.

3) Take religion out of our army, our school systems, and our politics. There are still certain organizations that look at atheists as people who should stay in a closet. It creates non-recognition in the military for burial purposes. Many people fear disclosure of their beliefs as it may result in losing friendships and jobs. There are some organizations, like the Boy Scouts of America and Girl Scouts of America, that in the past, did not allow a child to join if you listed yourself as an atheist. Look at the fights and challenges that Jason Tory takes on every day. He fights this battle for the benefit of all, selflessly, in Washington and all over the world. He should be supported by everyone and not just by atheists.

4) The occupation on Wall Street has its roots in showing our disgust of the way our financial institutions really work. I think it’s important to understand the greed factor here, in order to clarify the rules that have to be changed. Did you ever question why many Senators and Congressmen start their service as regular, or less than middle class Americans, and exit as millionaires? We’ll be glad to answer that question for all of you. Senators and Congressmen are not subject to the insider trading rules that most Americans are governed by, for example, Bernie Mad off and many others were sanctioned for insider trading and abuse of other people’s money. Our Senators and Congressmen abuse our money every single day of the week. Here’s how they do it. For example, if a new drug like Viagra is approved by the FDA, it must go through a Congressional Committee prior to release of the information, and during the approval process. If the member of that committee knows it’s going to be approved, they call their brokers and buy the company stock for their own benefit. Conversely, if the drug is not approved, they can short the company a few days prior to the announcement and again make a lot of money, as they tell their brokers at Deutsche Bank, Goldman Sacks, etc. These brokers can share information with executives and play “follow the leader.” It will cost the average person by destroying their life savings, their 401K and other pensions, but yet there’s been nothing in the papers that show the disparity and treatment, there’s been no movement to change this, and we wonder why there’s a financial crisis. A law should be passed to not allow any Congressmen, Senators, or any employer of the federal government to invest in the stock market during their term in office and for a period of 5 years after that. If violated this should carry a minimum sentence of 10 years in prison, and a return of the funds gained. There should be a law that any bank with influence in the government that traded on inside information obtained through a community hearing should have their license revoked and retained for 5 years.

There should be return to Americans of all funds lent to these institutions at a 1-time payment of $10,000 per citizen of this country.

5) Special treatment is given by the government to private business in order to secure the growth of those industries. Both banks and insurance companies are given several different accounting privileges than normal businesses. If banks were forced to deal with our tax structure, without the exemptions, most banks in America would be bankrupt. In addition, many sports franchises are given monopolies. These varied monopolies allow for the strong financial growth of individuals at the expense of the very people, the fans that support these sports. An average family of 4 can no longer go to a baseball game for under $400, or a football game for under $800. In addition, we have to pay to see them on TV. There are really 2 separate issues here. First would be the financial institutions receiving special treatment, such as banks. These institutions should be forced to reduced interest rates on personal loans and business loans, and the insurance companies and oil companies should be forced to reduce their structure by 25%. This will redistribute the wealth and create a more level playing field, rather than playing the dividend game for the wealthy. The second phase looks at our Bill of Rights, and every citizen’s right to property, all rights to air space and access to our waterways are indeed owned by the citizens of this country. We feel the FTC and the FCC should be disbanded and privatized. We believe that the royalty fees received should pay for the operation of the company, and at least ?? of the royalties received should be distributed to the citizens of the country in the form of an annual check. As we take a look at these numbers, it appears that every citizen would earn approximately $30,000 which would help eliminate the poverty issues in this country; And at the expense of the corporate giants, using our rights to property to make greater returns than one would expense should be made while using other people’s assets, meaning that of each citizen.

6) Healthcare: This country, through our emergency room setup and clinics provide a wonderful healthcare system to all of our citizens or not. 50 years ago, when Social Security was put in, the life expectancy was 55 years old, now its 78. I applaud our doctors and our hospitals. Again, we look at a system that seems to be unfair because people can’t afford to pay for services. The system has removed the doctor-patient connection and replaced it with physician’s assistants and tiers of specials, all put in place to avoid terrible litigation. It feels like OBGYN and some malpractice insurance, can represent 1/3 of the gross revenue in the practice, and the truth is, as patients, we’re paying that 1/3 to our healthcare systems. We’re now splitting the profits with the doctors, creating more paperwork with fewer yields. It is our belief that the classification of medical malpractice should be moved into a different category with a burden of proof that has to meet the test of independent professionals prior to being brought to the courts. We believe that there should be categories of settlements that are predetermined and that the physicians and the hospital when appropriate share the areas of risk. We believe there should be predetermined settlement numbers so that the entire country does not have to pay for the outrageous claims against one area and one individual. Once the claim amount and reward exceed the allotted number, the victim could still maintain the right to sue the doctor or the responsible parties personally, having nothing to do with the insurance companies. The money saved there would reduce premiums so that every American can afford to do it. I am right now, on Medicare, and between my Medicare payments, and the deductions they take from my Social Security for support payments, and my drug plan, I am now paying more money for medical coverage than when I had a single payer system.

7) Human Rights: Every American born here and invited guest to our country should have exactly the same rights of freedom as one another. The protection of our citizens and our country was paid for with the blood of American soldiers. We have an obligation to our veterans, to our deceased veterans, to their families, and to all Americans. There should not be a homeless or hungry person in this country. We are not stating to be an isolationist nation, nor are we stating to reduce our compassion for human efforts, but what we are saying is Americans should come first. So before we provide foreign aid, or food goes abroad to assist any country in need of food or medicine, all Americans have to have food and medical treatment first and foremost. After that, foreign aid should go as our government deems appropriate for Americans. We can pay for that by mandating that each community on a monthly basis report their indigent population, develop a budget of $3,000/month per family of 4 and make sure that money is appropriated to each community, prior to renewing any foreign aid.

We are constantly talking about Americans debt and our unemployment rate. We believe the government should go country to country, for those we owe money to, and offset it with the financial support, grants, medicines, and help that America has spent in the last 200 years to these countries. Our debts are uncollected, yet we owe money to people who owe us money, does that make sense? And just another point of clarity, we became a debtor nation when Nixon took us off the gold and silver standard. If you look at your dollar bill, it says accounts receivable, so that your silver certificate was replaced by the promise of the federal government to make your dollar worth a dollar. I don’t understand how that can be done, but we’ve been a debtor nation since that time.

8) Special Treatment: Look at Bruce Springsteen and Jon Bon Jove, who were advised to purchase farms to assist in their tax right offs. The government also pays farmers not to produce, and the government incentives businesses to create jobs, unfortunately most of them were created overseas. There are tax loopholes in this country for every make and model that exists. We believe the farmers should produce, and export the food if we have abundance, and bring more Religion and politics revenue and jobs to America. We also believe that there should be a flat tax, so all Americans are paying the same. We believe that anybody earning over 10 million a year should be paying a luxury tax. That amount is to be determined, but no more than 5%. This additional cash flow will help keep the economy ahead of the game, as opposed to behind the game. We believe that a new standard has to be developed to put a firm vacuum to our dollar, which is now backed by weapons, so if you’ve wondered why our weapons program must continue, it’s really there to support our dollar.

We believe a new standard, such as food, should be the power behind our dollar and not stock pile new weapons as the basis of strength behind our currency . By getting comments back, and coming up with a final document in 6 months, we can now present to Congress names and signatures, that could possibly make a difference in the world. It could unite all the non-theist groups in one voice, and hopefully have the seeds planted with the theists to switch teams if possible, but if not, God without Religion at least recognize what freedom really means. Our strong desire to share leaves us with great expectations and beginning a movement for change. The next move is yours. We look forward to your thoughts.