Entries Tagged as 'Guest Post'

Top 5 Senior Friendly Cities in USA

Senior Friendly Cities

Senior Friendly Cities

Retirement is an inevitable phase of life; one that requires decisions to be made in advance. Senior citizens look forward to spending this time in an enjoyable yet affordable location. Senior friendly cities should not only provide citizens with high quality of life but should also not put a strain on the budget. Here is a list of top 5 senior friendly cities to live in

1.Minneapolis – Minnesota

This city is ideal for citizens that are looking for health care facilities and safe environment. The city offers an excellent transportation system with low crime rates and a stable economy that offers ample job opportunities for senior citizens.

With a wide range of music and historic entertainment forums, this city provides an extremely gratifying social life to the citizens. Moreover, it offers several spiritual places that allow citizens to offer their religious prayers in sacred places.

2.Pittsburgh, Pennsylvania

With highly efficient transportation system and low crime rates, this city is suitable for citizens that are looking for security and good housing faculties. The economy of the city is also stable and study reveals that it enjoys extremely low levels of unemployment rates and offers high quality health care facilities.

The city is also known as the hub of entertainment and therefore is suitable for citizens who are looking forward at spending an enjoyable yet affordable time in the old age.

3.Boston-Cambridge-Quincy, MA-NH

Senior citizens who are looking forward to re-training or gaining further education would find this city full of opportunities as it offers more than hundred education institutes. Moreover, the city has a rich cultural heritage that allows senior citizens to visit music and historic venues and theatres that provide high quality entertainment.

The healthcare facilities within the city are of extremely high quality whereas the transportation system is also quite efficient. The city has an extremely alluring social life for citizens who want to engage with peers and friends and to visit various locations across the city. The crime rate within the city is also considerably low.

4.Provo-Orem, Utah

The city offers a healthy lifestyle to the citizens who want to age comfortably. The city offers high levels of security and safety while also provides the citizens with the ability to embark on new careers or start a business.

5.San Francisco, California

This city is ranked considerably high in the health and longevity continuum whereas the environment of the city is ranked as the best across the country and thus is ideal for citizens who want to enjoy extremely pleasant weather conditions around the year.

Apart from these factors, the city has one of the best transportation systems across the world and offers an extremely pleasing social life.  Moreover, the crime rate within the city is also not very high.

Author Bio
Andy is a keen and passionate blogger and he’s been doing it for almost five years now. His favorite topics include senior issues and healthcare. If Andy is not writing, his time is being consumed by distributing Patient Handling items and other merchandises regarding mobility.

OBAMA’S PLAN FOR A FASCIST AMERICA

Dr. Jack Wheeler
Behind The Lines
Friday, 13 March 2015

Americans are welcome now in Vietnam, where so many people speak English because it’s required to learn it in school as a second language. Vietnamese have embraced capitalism with a vengeance, even while they are ruled by the same Commie Party we fought in the 60s, the Hammer & Sickle flies everywhere and Ho Chi Minh is pictured on their currency.

The days of America being Hanoi’s enemy are long gone. China is the enemy today as it has been for over two thousand years of Vietnamese history, against which Hanoi needs America as an ally. The tides of history ebb and flow. America’s greatest enemy today is not external but within.

A far more mortal danger to our country than Putin Russia, Chicom China, or Reconquista Mexico is a Hate America White House with the clear goal of creating a Fascist America.

Government control of all of our major institutions and industries is taking place right before our eyes in broad daylight. If we have any chance of reversing it, we must begin by identifying exactly what is going on. The first step is to call what is going on by its accurate name: fascism.

The Left loves to use the term as a pejorative sneer for anything lefties don’t like. But as an economic theory it has a specific meaning.

Socialism is government ownership of businesses and industries, with everyone in the economy – workers, managers, executives – being an employee of the State. In Castro’s Cuba until recently, even shoeshine boys had to belong to a state cooperative.

Fascism, by contrast and far more dishonestly, is government control of ostensibly private business and industry, the owners and executives of which can do nothing without bureaucratic regulatory approval. This is the economy Zero is determined to achieve. He is doing so with astonishing rapidity – and with Chicago gangsterism and corrupt thuggishness, hallmarks of any fascist regime.

So rapid and thuggishly thorough it leaves the Marxist agenda of the Frankfurt School’s “march through the institutions” – both economic and cultural – of the 20th century in the dust. It is a 21st century blitzkrieg of fascism. Let’s itemize it.

*Healthcare. This is the most obvious. Obamacare is a fascist federal takeover of the entire scope of health and medical care in the US, from insurance to hospitals to physicians.

*Banking. Less obvious is the extent to which the Dodd-Frank Act, named after two of the most corrupt crooks ever in Congress, gives federal regulators unlimited arbitrary control over the entire banking industry in the US.

*Communications. The recent ruling of the FCC now makes the Internet a federally regulated utility, giving Zero’s bureaucrats unlimited power for stifling innovation, competition, and websites they disapprove of. Add to this, of course, Zero’s NSA that has unlimited power to spy on the private communications of all Americans.

*Energy. The excuse of imaginary man-made global warming as a rationale for Climate Fascism to control energy production has so far failed – thanks to fracking and global cooling. But not for lack of trying, as climate fascists become ever more hysterical in their demands and hatred for anyone who denies their lies.

*Education. Common Core is the Department of Education’s takeover of local and state education on steroids. There is no constitutional authority for the very existence of the federal Education Department, much less its Anti-American history propaganda of Common Core or Mrs. Zero’s fascist school lunch starvation program.

*Defense. The combination of the homosexualization of the military, massive defense cuts, and the promotion of officers who are merely politically correct bureaucrats in uniform is reducing the Pentagon to Zero’s Poodle.

Add to this the treating allies like Israel with contempt, the refusal to defend America from Moslem barbarianism, and helping Iran to acquire nuclear weapons.

*Family and Culture. Homofascism, same-sex “marriage” now morphing to homopolygamy, the unceasing attempts to racially divide America and demonize whites as racist (witness Zero’s latest: “Slaves built the White House”).

*Economy and Unemployment. Crony capitalism, mass unemployment and disability payments to gain mass dependency on government welfare. People dependent on you vote for you.

*Justice and the Rule of Law. Two words define the most corrupt federal justice system in US history: Eric Holder. Add to this Zero’s blizzard of unconstitutional edicts (Executive Orders and Memorandums), and the blackmailing of Chief Justice John Roberts (and how many other judges?) to rule as demanded.

*Democracy. The purpose of Zero’s Amnesty for millions of illegal aliens is to enable them to illegally vote to place Democrats in permanent power.

Put this all together, and you see it is a fully comprehensive across-the-board plan to create a Fascist America. The only way to stop it is to start pulling it out by the roots.

E.g., Dodd-Frank and Obamacare must be repealed, FCC net neutrality reversed, every Zero EO undone, the EPA and the Department of Education must be fully defunded and eliminated, no welfare of any kind for illegals… the list of what must be done is very long.

None of this can be done, however, without achieving the first priority: explaining exactly why Zero is a fascist, why Dems are fascist, why the Left is fascist – and refusing to support, donate money to or vote for any Pub politician who won’t do so.

Zero, the Dems, the Left’s Grievance Industry, and their propagandists pretending to call themselves “journalists” have got to be put on the defensive. They have to be labeled for what they in fact are: fascists advocating smothering (and unconstitutional) national government control over every major business and institution in America.

Thus the most critical issue of our day is Freedom vs. Fascism. The 2016 contest for Congress and the White House must be framed in this context.

“Are you for freedom or are you for fascism?” is the question to ask any politician. “Are you for liberating America’s businesses and institutions from Obama’s fascist controls or not?”

Freedom in America is dying, but it is not dead yet. It can still be rescued and revived – but not unless we correctly diagnose what is killing it. Only then can radical surgery be performed to remove the cancerous tumor of Obama Fascism causing its impending demise.

Exposing Obama’s Plan for a Fascist America is where we must start. Let’s get started.

From To The Point News

Obama’s Legacy of Looters

From To The Point News Written by Jack Kelly
Wednesday, 03 December 2014

A black man, Jermaine Jones, 29, was gunned down in the street on the outskirts of Ferguson, Missouri Oct. 18, a few hours after his sister, Margaree Dixson, 35, had been shot half a mile away.

If this is the first you’ve heard about these murders, it’s because their killers also were black.

To most in the news media, “black deaths matter only if the killer is a white cop,” said Italian journalist Enza Ferrerri.

Which doesn’t happen very often. Of 1,265 people killed in St. Louis between 2003 and 2012, 1,138 (89.9%) were black, according to University of Missouri-St. Louis criminologist David Klinger, a former police officer.

About 90% of the black decedents (1,025) were slain by other blacks, his research indicates. Thirty two of them were killed by police officers; 22 of those 32 (1.93% of 1,138) by white cops.

Between 1976 and 2011, 7,982 blacks were murdered each year, on average – 94 % by other blacks, according to the Bureau of Justice Statistics. During that time, some 227 blacks were shot by police each year.

It’s probable that in a few of these police shootings, excessive force was used. So if a consequence of the news media’s obsessive coverage of the shooting of Michael Brown, 18, who was black, by Officer Darren Wilson, who is white, in Ferguson Aug. 9 is more widespread use of bodycams by police, that would be good.

But to assert – as the Obama administration and so many in the news media have – that racially motivated shootings by police are commonplace, and this was one of them – is vile.

Young black males are 21 times more likely to be shot dead by police than are young white males, says Pro Publica. But since more than two thirds of police officers are white, and blacks commit about half of violent crimes, it’s statistically probable most police shootings would involve a white cop and a black suspect.

In St. Louis, black cops have shot black suspects at essentially the same rate as have white cops, Prof. Klinger’s data indicate.

No statistical evidence supports the charge white cops routinely abuse black suspects. But did Officer Wilson use excessive force against Michael Brown? Economist Thomas Sowell (who is black) notes:

“What the grand jury had, that the rest of us did not have until the grand jury’s decision was announced, was a set of physical facts that told a story that was independent of what anybody said.

Moreover, the physical facts were consistent with what a number of black witnesses said under oath, despite expressing fears for their own safety for contradicting what those in the rampaging mobs were saying.”

Despite this, liberal journalists on the “Meet the Press” program last Sunday (11/30) were aghast when National Review’s Rich Lowry said the lesson of Ferguson was, “Don’t fight with a policeman when he stops you and try to take his gun.”

Even if Officer Wilson had been wearing a bodycam, it wouldn’t have mattered to these journalists, who were “too invested in the white-racism morality play to let facts – even videotaped facts – get in the way” said Mona Charen of the Ethics and Public Policy Center.

Even more despicable are those who’ve made excuses for what took place after the grand jury refused to indict Officer Wilson for a crime it was clear he hadn’t committed.

Rioters and looters – who destroyed mostly black businesses and burned down a black church – aren’t “protesters” who are “trying to make their voices heard.” They’re criminals.

“There is no excuse for people to be out there burning down people’s businesses, burning down police cars,” former NBA star Charles Barkley told a Philadelphia radio station.

“If the history of other communities ravaged by riots in years past is any indication, there are blacks yet unborn who will be paying the price of these riots for years to come, Mr. Sowell said.

“Inflammatory rhetoric” from the Obama administration “fans racial discord,” said Milwaukee County (Wis) Sheriff David Clarke, who is black.

Charles Hurt at Breitbart calls what’s happened in Ferguson and elsewhere “The Obama Riots.” That’s what history should label them and they are his legacy.

Jack Kelly is a former Marine and Green Beret and a former deputy assistant secretary of the Air Force in the Reagan administration. He is national security writer for the Pittsburgh Post-Gazette.

Commodities Are Building Bases and About To Rally – Steel Market

Commodities in general have been under pressure for the last couple years. This can be seen by looking at the GCC Greenhaven Continuous Commodity ETF which holds a basket of resources.

The weekly chart has formed a bullish bottom pattern, and as of last January it looks as though it’s now building a basing pattern. Overall commodities are in the very early stages of a stage 1 basing pattern and it looks as though it will be a few more months before any significant breakout will occur. But there could be some early entry points if you know what to look for…

A few days ago I talked about how commodities tend to perform well near the end of a bull market in the United States stock market. I also pointed out which hot index was going to benefit from this.

Read Commodity Index Report: http://www.gold-eagle.com/article/gold-and-oil-fuel-canadian-stock-market-rally

In this article I want to bring your attention to the steel market. Using the SLX Steel ETF you can clearly see the bottoming pattern and basing pattern for this commodity.

Currently steel is underperforming the stock market and is vulnerable to lower prices. But if we see a few things come together in the coming days or weeks, this could be a screaming buy.

My technical take on steel is this:

SLX has formed a bottoming pattern from January – mid March. It has since put in a strong impulse rally to make a higher high, and is now consolidating above key support. The RSI (Relative Strength) remains in a down trend, but if this starts to rise and SLX breaks above its recent highs around the $47.75 level I feel steel will start to rally with $50 being the next major whole number and previous high for steel to find some resistance.

Also price has been riding along the 200 day moving average which is acting as support. If price closes a couple of days below the 200 moving average I would consider this to be a bearish sign.

SLX

Steel Trading Conclusion:

In short, we are looking for the relative strength to start making new highs. Also we want to see a reversal bar on the SLX chart to the upside which we got on Tuesday. Or you can wait for a breakout and close above $47-48 area. Stop would be somewhere around the $45.75 area to start, then raise it as price rallies using intraday pivot lows on the 30 minute chart.

GET THESE REPORTS DELIVERED TO YOUR INBOX FREE: www.GoldAndOilGuy.com

Chris Vermeulen
Disclaimer: I do not own shares of SLX at this point, but may buy some in the near future.

Sincerely,

Chris Vermeulen
Founder of Technical Traders Ltd. – Partnership Program

AIFMD New Regulation New Game

8-30-12-AIFMD

For Alternate Investment Fund Managers (AIFMs) across Europe, this is a defining period. With Alternate Investment Fund Manager’s Directive (AIFMD) soon becoming a reality, European alternate investment fund (AIF) industry is entering a new phase. From marketing to management, governance and administration, the directive is changing every aspect of the AIF industry. While AIFMD is expected to open up new horizons to AIFMs, it will also widen the legal and regulatory requirements. But are the fund managers ready? How are the member states implementing the directive? How is the market responding to the regulated environment?

Any new change brings with it a period of confusion and dilemma. Similarly, in the case of AIFMD too, uncertainties and uneven progress mar the European alternate investment fund industry today. AIFMD is a complex piece of legislation. For European member states as well as for AIFMs, getting a grip of the regulation seems to be a tough task. Though almost all EU member states have transposed AIFMD into national law by 22 July 2013, only 12 member states have completed full legislation process. Member states have revised, improved or scrapped their existing law to accommodate the Europe wide directive, which aims to harmonise and regulate the industry.

For a EU AIFM, the directive will enable them to market their AIFs to EU professional investors in their home state and in other European member states, post authorisation.  However, for non-EU AIFMs who will have to opt for private placement regimes in order to market their funds in EU member states, the situation is a bit more complex. Some member states have imposed additional requirements above the rules laid by the directive. For example, in Germany, the fund management regulation was scrapped and Capital Investment Act was introduced with new rules unique to Germany apart from the AIFMD requirements. They have also introduced new tax provisions along with it. Private placement regime is abolished and AIFMs will need to take approval from the German regulator to market or distribute any kind of AIFs.

While Germany may seem to be very rigid, some countries like Malta offer flexibility and cost advantage. AIFMs who wish to establish their funds in Malta will have 2 fund structures to choose from – alternate investment funds and professional investment funds. They also claim to process the authorisation application faster compared to other countries. Other countries like UK, Ireland, Sweden and Luxembourg also offer comparatively lighter regimes and require AIFMs to comply only with minimum rules laid out by AIFMD.

Ambiguity also prevails in the case of depositary regime. Depositary requirements are driven by a combination of factors like domicile of the AIFM and AIFs and their marketing practices. AIFMD requires all authorized EU AIFMs to appoint an independent depositary for the AIFs it manages. However, for non-EU AIFMs though AIFMD does not mandate appointment of depositary, countries like Germany, France and Denmark are making depositary regime mandatory. There are also variations in rules over appointment of domestic or cross-border depositary.

With such disparities and variations in implementation prevailing, the aim of creating a single market for non-UCITS funds still look distant. The impact of such an environment has created conundrums for AIFMs who will now be burdened with AIFMD as well as regulations of multiple jurisdictions. In the case of non-EU AIFMs there are apprehensions prevailing the proposed abolition of private placements once the passport regime becomes a reality.

According to a recent study by BNY Mellon, only fewer than 20 percent of AIFMs have submitted an application for AIFMD authorisation to their local regulator. The surveys also brought to light the fact that many AIFMs are still unclear or are yet to finalise their plans towards compliance. This slow rate of progress also highlights both the uncertainties and practical challenges the industry is facing while trying to get grips with AIFMD.

After the economic crisis, fund managers are already seeing a huge dip in their revenue. Now with AIFMD becoming a reality, they will also have to bear the cost of compliance. New systems and processes will need to be introduced to comply with risk and compliance requirements. The BNY Mellon survey points that firms expect a cost of around £1,50,000 per institution as a one-off set up cost of compliance. The final cost of compliance may far exceed the number.  With such an impact on the cost structure, fund managers are in a dilemma whether to increase the cost of funds or to absorb the cost to gain market advantage.

The EU AIF market today is at a transitional stage in which confusion and dilemma prevails among AIFMs, regulators and to some extent among investors too. Both EU and non-EU AIFMs are closely monitoring the developments around AIFMD to take appropriate decisions. Market may bear brunt of this state of affairs now but once the directive becomes a reality and obtain more clarity, it will bounce back with vigour. The proposed passport regime, which is expected to become a reality in 2018, will also boost the market and bring back its lost glory.

Note about this guest post:

This is a complicated subject and this further information from Wikipedia explains why this legislation was passed in many countries in Europe

EU fund managers that manage alternative investment funds (essentially hedge funds and private equity funds) (“AIFs”) have not been subject to the same rules to protect the investing public as mutual (including UCITS) and pension funds and their managers. In general, the lack of financial regulation is seen by some to have contributed to the severity of the global financial crisis.

Mike

Why Gold Is Important to Our Economy

Gold closed today at $1647. I thought this guest post by Stevie Clapton was timely.

Did you know that gold is one of the few items that can retain its economic value in recessions and even depressions? Gold is a very unique substance and it is something that is important to our economy. In fact, some politicians like the free market advocate Ron Paul suggest that gold would make a much better currency than the paper dollar that we use today. There are a number of reasons why Ron Paul and many others have come to this conclusion and it actually makes a lot of sense. If you’d like to find out why gold is so important to our economy, you’ll find the key reasons below.

1 – Gold takes time and energy to be produced

Gold is a desirable item. Most people like gold because they consider it a commodity. It’s shiny, it sparkles, and it’s attractive. What people don’t realize is that their attraction to gold is what makes it cost money and be important to the economy. People want it and they are willing to spend money on it. This makes it valuable and because gold takes time and energy to be produced, it retains its economic value and is important to the economy. Unlike the paper dollar, gold cannot be printed and therefore the currency cannot get inflated by man’s greed. The paper dollar is currently printed in the United States by the Federal Reserve. They regulate the economy by controlling interests rates, handling the money supply, and essentially overseeing inflation. The problem is that this is a system controlled by man. Human beings are susceptible to greed and when you place an entire currency in man’s hand, it’s inevitable that there will eventually be failure. The paper dollar costs nothing to produce either, it is simply printed. Gold cannot be manipulated because it must be found, which takes time and costs money. You cannot print gold and it can’t be created free of cost.

2 – Gold retains its value at all times

No matter what state the economy is in, or how inflated the paper dollar is, gold always retains its value. The reason for this is because gold cannot be produced easily. It must be harvested from earth, which takes time and energy. This makes gold very stable in terms of its economic value. That is why free market advocate Ron Paul feels very strongly that gold should return to being used as a currency, in replace of paper money. It protects society from being overrun by those that obtain power. There would be no way for the government to print money and inflate the currency for narrow political reasons. In fact, wars would become far less common. Currently, when a nation goes to war, the currency is inflated and money is printed in order to afford it. This is better for politicians than taxing everyone, because inflation in the currency is far less noticed. This allows them to spend money on the nation’s military presence and wars can be started with very little sign of any economic problem by the people. However, food becomes more expensive, housing is more expensive, and the lower and middle income families suffer greatly.

3 – Should we return to a gold standard?

If you want fewer wars, a more stable economy, and a government that doesn’t control how much value your paychecks actually have, then returning to a gold standard would be great. The problem is that much of society is ill-informed about how important gold is to our economy and they don’t understand why it’s a better alternative than the paper dollar. While it may take a significant amount of time and the paper dollar will probably have to cripple itself before it happens, an actual consideration on returning to a gold standard will like take place at some point in the future.

Author Bio: Stevie Clapton works at RentersInsurance.net on the content team where he writes article about finance.

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