Setting Up An Online Business in 2013

The best work from home businesses are based on the internet. The internet offers you the widest possible audience and with the right systems in place, an audience who can buy from you 24 hours a day, 7 days week. Even while you are sleeping! Setting up an online business from home was not possible in the past but with modern technology those entrepreneurs who learn to embrace the new digital economy are the one who will have a long-term success with their work from home business.Setting up an online business does not need the large amount of start-up funding associated with traditional bricks and mortar businesses. You can work from home if you have a computer and access to the internet. You do not need to rent a shop or warehouse premises, you do not have to employ staff and you do not have to invest money into stock.A lot people like the idea of setting up an online business but do nothing about it. They might say they do not have enough time or do not understand technology. They may say that they do not have enough contacts or experience for an online business start-up. But it is not a question of not having the sufficient resources, it is a case of not having sufficient resourcefulness!Your resourcefulness is all about your creativity and determination to get things done. What is really stopping you from setting up an online business? Is it really the lack of resources or the fear of stepping into the unknown and failing? Many great entrepreneurs have failed at something at sometime in their life. If you want a work from home business you have resourceful, to be willing to learn and have a burning passion to succeed.We all have the same 24 hours in day and how we spend them is due to many factors. Your job, your family, your hobbies and so on. Successful people have jobs and families and hobbies too. You have to use your time wisely so that everything you do in setting up an online business is based on a solid platform for success.When you are setting up an online business you are going to have to invest some money into your business. Remember, that it is a business and not a hobby. Some people think that you can make millions online by doing very little and pushing a few buttons. But you cannot. After all, if you could, wouldn’t everybody be doing it? You do need to be willing to spend some money on a website, have a marketing budget and invest in online business trainingOne of the great things about setting up an online business is that there is a lot of very useful technology that either costs very little or nothing at all. However, you would not attempt to climb a mountain without having the proper training and guide to show you the way. Somebody who has climbed the mountain before and knows where all the dangerous areas are and the correct route to get to the top.The same is when you are setting up an online business. If you are willing to learn from somebody who has gone before you and has had success, your route to success will be a lot quicker.

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3 Ways To Keep Up-To-Date With Fashion Trends

If you are into fashion, you may be looking for ways to stay up to date with the current fashion trends. Fashion trends continue to change with the passage of time. If you want to stay ahead of the game, you may want to be organized. In this article, we are going to describe three ways to help you to stay updated with the most recent fashion trends. Read on to find out more.1. Watch Fashion Shows You may want to stay tuned to fashion shows like New York Fashion Week. This will help you find out about the fashion pieces showcased by experienced designers. However, if you cannot attend these types of events, you don’t need to worry. The good news is that many of these shows are streamed on the internet on many popular websites.Since this type of shows display latest trends at least one season ahead of time, you can have an upper hand, as you will know about the latest trends. This way you will have plenty of time to get ready before the season begins. If you love fashion, you can watch these shows as a therapy.According to experts, you may want to consider brands, colors and shapes that are quite common among designers. On the other hand, if you prefer photos, you can check out different fashion websites. They can be a great source of inspiration for fashion enthusiasts.2. Try Celebrity Style Another great way of finding out about the latest trends on the market is to find out what celebrities like to wear. You don’t have to have any personal interest in their private lives. All you need to do is to keep an eye on their style. In this case, you can choose any celebrity that you like the most. These personalities have a great impact on fashion trends. Although their looks are bold, retailers offer different variants of the outfits they promote.3. Check out Social Media/Blogs and Magazines If you want to check out fashion trends while travelling, you can check out a lot of bloggers, social media pages and magazines. On the other hand, if you prefer print media, you can choose from a variety of fashion magazines. Similarly, you can get to know a lot about fashion trends by checking out the top fashion blogs.Typically, bloggers obtain information from popular magazines and TV shows. The good thing is that you can find links to the source of information to make sure that the information available on their websites is reliable. Therefore, if you want to be on the safe side, we suggest that you stick to the top bloggers out there.Long story short, if you want to stay up to date with the latest fashion trends, we suggest that you try out the three methods we have discussed in this article. This will help you try out things that are in fashion. Hope this helps. A little effort goes a long way.

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Why Home Improvement Loans Suck

Imagine the scenario: you’re ready to buy your first house. But you don’t have the cash lying around to buy your dream house, so you decide to settle on a fixer-upper that you’ll spend your free time turning into the perfect home. If you’ve been through the home buying process this already, then you probably remember this quite well. In fact, buying a fixer upper in need of major TLC is a rite of passage for many homeowners. Tons of first homes need work done like re-painting, deck repair, all new floors and wallpaper or an extra bathroom.Of course the problem is that most first time home buyers simply don’t have the funds to pay for these home improvements after closing on their mortgage. So they go into a do-it-yourself mode. Sometimes they use home improvement loans to help pay for the work. Other times they do all the work on nights and weekends. Maybe the financing comes from credit cards. Sometimes, it’s all one terrible experience. This begs the question: Why do home improvement loans suck?

They take too much time. From the bidding process for the work, to the actual upgrades and construction to moving day, it can be very time-consuming. Many borrowers say closing a home improvement loan takes more than 3 months, and might never even close. An efficient lender who understands the home improvement loan process should be able to get your loan closed in a little more than a month. Sometimes even less time than that.
Renovation mortgages are too much work. Yes this option will take more paperwork. After all, the bid process alone can add a lot of extra work to the process. However, working with an experienced mortgage consultant will help you avoid the extra work, requiring mostly just extra signatures.
No one understands programs like FHA 203k or HomePath Renovation. It’s true that many real estate agents haven’t heard about some of the options for financing upgrades. Many deals die because the buyer sees a house they like but there may be a few things they’d like to change. The challenge to home improvement loans lies with the effort to help educate real estate professionals and buyers alike.
Do it yourself work is a real pain. Putting in a new kitchen takes time and skill, and doing all on your own isn’t likely something you want to do. Same with a bathroom, wider hallways for wheelchair access or painting the entire house. Again, it’s not something you may want to do, and that’s okay. Home improvement loans are generally for paying a professional to do the work. They’re not really for the DIY crowd.
Buying a new home is easier than buying a fixer-upper. This is certainly true in many cases, but it’s not always feasible. And with so many homes on the market today under the foreclosure cloud, you can actually find a great deal on a fixer-upper and roll the cost of the repairs right into the monthly payment! Plus, older houses have more character than subdivision cookie-cutters.
They are expensive. Home improvement loans generally come with a little higher interest rate, it’s true. Interest rates are based in part on risk. Paying for home improvements can be risky, as the after-improved value is used to predict the future worth of the house. But the difference between a home improvement loan and a regular mortgage is pretty low. It’s definitely lower than the cost of financing the work and materials on a credit card!
Store credit is so much easier to get. Again, this may be true, but you’ll pay a much higher rate than a home improvement loan and you’ll have to do the work yourself. If that’s your goal, then a home improvement loan isn’t for you.Home improvement loans are definitely not for everyone. There’s no doubt that they take a little extra time and work. Sometimes you can find a newer home that needs less work for a good price. And that’s okay. Go for it. But if you find a home that’s average and needs your personal touch with a few upgrades and renovations, then a home improvement loan just may be your next step. Good luck in the house hunting, and let us know if there’s some way we can help!

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Looking To Buy A Gas Station? SBA Or Conventional Financing?

You’ve found some gas stations for sale and now you need financing. Many misconceptions exist about which is better for financing, SBA or conventional financing. Many people are under the misconception that SBA is somehow sub-standard financing or is expensive financing. Many people also assume that conventional loans are cheaper than a government backed business loan.The good thing is that your calculator never lies. You can always figure out which one is the best by using cost of funds and return on investment calculations.Conventional financing for gas stations and convenience stores frequently offers the advantage of an interest rate that is typically a little lower than SBA rates and normally the speed of approval and closing is usually a little quicker than that of SBA financing. There is also normally a little less paperwork involved in the process. With conventional financing, most of the time a borrower will approach a local or regional bank and the borrower will many times establish a depository relationship with the bank.The disadvantages of conventional financing are that you normally can not finance working capital, inventory and frequently you can not finance the good will. The amortization periods are usually shorter also. These notes are normally due in five to ten years. This means at the end of the note you will need to refinance.Again, your calculator will not lie to you.SBA financing usually will do a higher loan to value (LTV) than conventional financing and frequently with SBA you can finance good will or business value where many conventional lenders will only finance the actual real estate and machinery/equipment value.The disadvantages of SBA financing are the guarantee fee that you will be required to pay (which normally is 3.5% of the guaranteed portion of the loan, which is typically 75%) and it also can take longer for approval, but this typically is with banks and lenders that do not have a Preferred Lender status (PLP) but have to submit their transactions through local district offices. The interest rate you will pay will typically be higher than conventional financing.Other options are available. Stated Income financing is frequently available for this asset class, but the Loan To Values (LTV) are typically lower. You normally can not do larger loans (greater than $1,000,000)also. Most stated incomes program advertise that they will do 65% financing, but in reality it is closer to 55% because they do not lend against good will and frequently will only lend a portion against machinery and equipment. It is typically faster with minimal paperwork compared to something fully underwritten, but you also will pay at least a few points higher in rates and fees to obtain this type of financing.Private financing is also available for gas stations and convenience stores. Advantages are speed and minimal paperwork. Disadvantages are significantly higher rates, fees and lower LTV’s (typically 50-60% max).What is best for you all depends on your hot button. If all you are looking at is rate, conventional may be the best deal, assuming you have a bank or lender that will do it conventionally. If you are looking at minimal out of pocket, SBA is probably your best bet. Cost of funds can go down if the Loan To Value is higher. The return on your investment also goes up if you are spending less money out of pocket. If payment is your hot button, you’ll have to evaluate both options to see which is best for you. Conventional financing usually will have a shorter amortization period than SBA and frequently will have a higher payment. If the pre-payment penalty is the most important, SBA may or may not be the best option for you. SBA has a three year pre-payment penalty, 1st year 5%, 2nd year 3% and 3rd year 1%. Conventional pre-payment penalties will vary from bank to bank and lender to lender. Also look to see if the conventional loan is assumable as it may be easier to sell a site if the loan is assumable. Most SBA loans are assumable if there is a qualified borrower. If speed is your hot button, stated income or private financing is the way to go, but you probably will have a significantly lower LTV and will pay higher fees.If you haven’t figured it out by now, you can’t have it all, i.e. rate, fees, term, speed, pre-payment penalty. You can though most likely obtain a good loan if you are a qualified buyer. In all cases, presentation goes a long way to obtaining the best possible loan.

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Purchase Order & Letter of Credit Financing

Many business opportunities come with an associated challenge. For most entrepreneurial businesses, the greatest challenge is financing the business opportunities created by your sales efforts. What are your options if you have a sales opportunity that is clearly too large for your normal scale of operations? Will your bank provide the necessary financing? Is your business a startup, or too new to meet the bank’s requirements? Can you tap into a commercial real estate loan or a home equity loan in sufficient time to conclude the transaction? Do you decline the order? Fortunately there is an alternative way to meet this challenge: You can use Purchase Order Financing & Letter of Credit financing to deliver the product and close the sale.What is purchase order financing?Purchase order financing is a specialized method of providing structured working capital and loans that are secured by accounts receivables, inventory, machinery, equipment and/or real estate. This type of funding is excellent for startup companies, refinancing existing loans, financing growth, mergers and acquisitions, management buy-outs and management buy-ins.Purchase order financing is based upon bona fide purchase orders from reputable, creditworthy companies, or government entities. Verification of the validity of the purchase orders is required. The financing is not based on your company’s financial strength. It is based on the creditworthiness of your customers, the strength of the commercial finance company funding the transaction, and in most cases a letter of credit.What is a letter of credit?A letter of credit is a letter from a bank guaranteeing that a buyer’s payment to a seller will be received on time and for the correct amount. If the buyer is unable to make payment for the purchase, the bank is required to cover the full amount of the purchase. In a purchase order financing transaction, the bank relies on the creditworthiness of the commercial finance company in order to issue the letter of credit. The letter of credit “backs up” the purchase order financing to the supplier, or manufacturer.Is purchase order financing appropriate for your sales program?The perfect paradigm is a distributor buying products from a supplier and shipping directly to the purchaser. Importers of finished goods, exporters of finished goods, out-source manufacturers, wholesalers and distributors can effectively use purchase order financing to grow their businesses.Is purchase order financing appropriate for growing your sales orders?Purchase order financing requires you to have management expertise- a proven track record in your particular business. You must have bona fine purchase orders from reputable firms that can be verified. And you must have a repayment plan; often this is from a commercial finance company in the form of accounts receivable or asset-based financing.You should have a gross margin of at least 25% to benefit from purchase order financing. Sellers of services or commodities with low margins, such as lumber or grain, will not qualify.The bottom line decision for purchase order financing:It can take two or more years to develop a profitable business. Banks generally base their lending limits on a business’ performance for the past two or three years. Purchase order financing, combined with letters of credit and/or accounts receivable or asset-based financing can give you sufficient funds to cover your operating costs, financing costs and still realize significant profits. If you qualify for purchase order financing, you can grow your business by taking advantage of large purchase orders and eventually qualify for bank financing.Copyright ©2007
Gregg Financial Services

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Google Local Maps is Where You Want Your Business to Be

Google local maps are where customers will find your business. The yellow pages used to be the go to place for customers to find a business. That is not the case anymore.People often find themselves traveling in a new city or in a part of town that they do not know well. We all often get cravings for a particular type of food or need to find a particular business or service and need to find it now. That is where the local feature of Google maps comes into play.No one leaves home without his or her Blackberry, iPhone or other smart phone. This means that they have access to and are probably using Google local maps on a daily basis. Hand held GPS devices are nice, but people don’t always have them with them when they need them most.Google maps are a game changer. The ability to instantly see your current location on the map is only the beginning. The search feature is an amazingly powerful tool for whatever your customers are seeking. There is no more guessing as to where something is or hoping you stumble across it as you walk or drive along. Today’s consumer wants precision and they want to know right away where they are going.The price you pay to get your business on Google maps is small compared to the massive increase in business derived from the numerous additional customers who will come calling. It is essential to be findable on Google and Google Maps. If you are not there, you run the serious risk of not surviving. Today’s information superhighway is akin to the Interstate systems that replaced small two lane highways years ago. When the larger road bypassed a small town, many of the businesses in the small town did not survive. Location is everything and those businesses that were located on the new larger road were the ones that thrived.Not appearing on Google Maps will mean that you don’t exist to many customers. Their sole source of information may very well be Google Maps and you need to be there if you expect to attract their hard-earned dollars.There are numerous advertising venues out there, such as radio, television, print ads and Internet ads. Each of those reaches a certain demographic and has their place. However, the clear trend is to the Internet ads and the placement of your business on Google and Google local maps. Studies have shown the return for placement in forums such as Google local maps easily justify the cost in terms of the revenue generated.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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How To Approach Removing Asbestos Removal in Sydney

Planning to renovate your home built decades ago? Well, you got to be careful! There is a good chance it may have asbestos. This is a popular building material used throughout Australia before it was completely banned in 2003.

Asbestos is not generally considered hazardous. In fact, homeowners are only allowed to remove up to ten square meters of non-friable asbestos. More than that, people are advised to seek professional help, especially handling friable ones. Because of the health risks involved, DIY removal is considered illegal.

This is particularly prohibited in Sydney. Hence, the expertise of your trusted asbestos removalists is required to handle the dangerous job.

Why Removing Asbestos Can Be Dangerous?

There are many DIY ideas. Some are equally fun. Whilst, others can be hazardous, like removing asbestos by yourself.

Here are some reasons why removing asbestos without proper knowledge can be dangerous:

Exposure to diseases

Small quantities of asbestos are present in the air most of the time and are being breathed in by everyone without ill effects. But, exposure to high levels of asbestos for a long time is pretty serious. It can cause asbestosis, lung cancer, and mesothelioma.

Accidents and Injuries

Asbestos is used in cement sheeting, drainage and pipes, guttering, and even roofing. But, asbestos roofing can become fragile over time. Hence, you might risk breaking it apart, releasing harmful fibres into the air. Also, a single sheet of asbestos can weigh 30-50 kilograms. Such weight can cause injuries.

Wrong removal and ill-fitting equipment

You may not know the proper ways to remove asbestos, exposing you to very harmful fibres. And the recommended removal equipment is quite expensive. You don’t have to deal with it on your own.

How Much Does It Cost To Remove Asbestos?

Asbestos removal can be pretty costly. It is determined by the type and size of the area, as well as the amount of debris to be removed. The safety risks of asbestos also increase the cost, especially when friable asbestos is involved. But health is wealth. It is always worth the price.

Most junk removalists in Sydney are priced from $99.99 per cubic metre, however, given the highly dangerous nature of asbestos, prices may be higher. It’s important to receive a few quotes before proceeding with an asbestos removal service.

How To Find The Right Asbestos Removal Provider?

There are a few key things you can do right now to ensure that your search for a provider is a successful one. They include:

Check Online Reviews

Does the asbestos removal service provider have an abundance of positive Google reviews? Check the history of their reviews to make sure that they are in-fact, legitimate. Businesses with legitimate reviews tend to have a stream of reviews that span across years of their lifetime; not just all within a few months.

Service Locality

Hiring a local asbestos removal business is always best. This ensures that you receive the best pricing as the business is local and nearby to your location. Typically, local businesses tend to take more pride in their workmanship as a positive reputation is key to their ongoing success.

Number of Years in Business

Given the highly dangerous nature of asbestos, it’s important to check how long the business has been in operation. A business who has over 10 years servicing the local community may provide cheaper pricing, given that they likely will have more refined practices.

Conclusion

Take your time while in search of a suitable asbestos removal provider. Due-dilligence is important and always shop around for the best quotes.

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A Pall Settles Over America

I see it in their eyes, downcast and wary. I see it in their steps, shuffling and tentative. When they talk, they use a word I rarely hear, depressed.

These are the producers, those who make the country work. Hourly and salaried employees and managers, who go to their jobs every day, work hard and provide for themselves and their families.

They’re the kind of people who have been with us since the country began. Back then, we called them Pilgrims, sod-busters, and settlers. Today they go by many names, Physician, Technician, Engineer, and Laborer. But for all of them, life has a rhythm, just as it did two centuries ago, that comes from our agricultural heritage.

Spring has always been the time for planting, and looking forward to the year ahead. Summertime is when they cultivate the crops. Fall is harvest time when we enjoy the fruits of our labor and thank God for blessing us. Winter is the time of austerity, the time to prune, the time to cut back.

But not this year. This year, we are still in harvest time. Yet the pruning has already begun. Major companies across this land are already cutting back, eliminating staff to reduce.

For thousands of laid-off workers, it comes at the worst possible time. Just before the holidays. A time when many who have children will have to cut back this Christmas. There will be little joy for those who lost their jobs these holidays.

If you’ve lived through a corporate “downsizing,” you know that anxiety runs high. No matter how often the boss has assured you that you will be kept on, you’re never sure about your future. Should you start looking for a new job now, or wait? Does the boss know what lies ahead, or might he be on the corporate chopping block? There is no job security once layoffs begin.

But there is much more to our collective angst this year than at any time in our memory. These corporate cutbacks are merely reflecting a more significant issue, an issue that is nationwide.

Our country is headed in the wrong direction. That is a sentiment shared by three-quarters of us. And we’ve felt that way for a couple of years. Producers know that the country should be operating better. Yes, there were all difficulties associated with the Pandemic. But those are now behind us.

Today recovery should be well underway. But it’s not. Despite all the trillions of dollars pumped into the system, our standard of living is falling. Each day inflation marches on; real income is declining. Gasoline, food, and shelter costs accelerate in real-time, but a salary rise comes annually. Corporate raises will arrive at the end of the year and likely come nowhere near the level of inflation we’ve already experienced.

Producers see all of this.

Producers also know that many, perhaps most, of our problems come from Washington. We see that a feeble old man has his bony fingers on the nation’s tiller, steering us straight for the shoals. He, and those who surround him, have a policy of austerity. In their eyes, less is better, and fewer is preferred. We should use less heat this winter, drive smaller, preferably electric vehicles, and eat vegan. And the less we consume, the better. From this perspective, we are the problem. Our destiny is to have shortages and wants. And they’ve pushed us in that direction.

However, these leaders told us last week that we could change everything. By walking into our voting booth, we could make our voices heard. We, the people, could take this country in a new direction that our leaders were indeed subject to the will of the people.

That didn’t happen. Counting votes has become a haze of computational complexity and slow-walking results. So that the incumbents in Washington get the results they want, it’s the complete inversion of the principal and values that the country’s founders intended. But there it is—today’s reality.

It’s the reason the word I hear most often from Producers today is: depression. And I’m afraid that’s where we’re headed.

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