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Sunday, December 28, 2008

Take a Criminal Justice Degree Online and Become a CSI

Have you thought about taking a criminal justice degree online ? After a whole day of busy work, you just want to credit card relief home and switch on to your favorite crime and investigation TV series to unwind. Such a TV show in this genre that you love to watch is CSI. You simply can't resist skipping an episode, can you? Admit it: one of the reasons why you love this show is that you dream of becoming a forensic investigator yourself, which the show portrays as both fun and challenging.

Of course, you would rather be out in the field trying to figure out crimes and the perpetrators rather than be in a cubicle stumped with piles and piles of paperwork. Finding a link between the suspect and the scene of the crime or the victim itself sure sounds like a blast.

So why not try to make that dream of becoming a forensic investigator happen? The first step to take is to obtain a criminal justice degree online. Earning a criminal justice degree online will enable you to do in the future what your favorite CSI characters do best, just like in the TV series. A criminal justice degree online might just make that dream come true.

The good thing about getting a criminal justice degree online is you don't have to quit your current job. That is, at least before you become a CSI yourself. Getting a criminal justice degree online allow you to attend a virtual classroom only whenever you are available, and wherever you may be. Worry not about your bills when you take the course -- you will still be getting a steady pay from your current job.

Online education is specifically designed with the adult learners in mind. It may definitely a bit awkward if you find yourself among younger students within the same classroom, learning the same stuff. Getting an online program from learning institutions that provide such will enable you to learn right in the privacy of your own home. Or maybe even in your office during slack times. You pace your own lessons, so everything is friendlier to your already busy schedule.

You can always tune in to CSI and daydream of becoming a forensic investigator yourself. Or you can turn on your computer and enroll in a criminal justice degree online to get a step closer to that dream of becoming a CSI yourself.

Take your criminal justice degree at one of the best online schools in the country and stay away from the many spam schools. We'll give you all the information you need for free and you can even apply for a www.online-accredited-degrees.neta criminal justice degree online at whatever school you prefer. www.online-accredited-degrees.netClick Here to check it out.

The US Bank Bailout Plan is Full of Dangers

I am very worried about the bank bailout life insurance quotation being passed by Congress. It posed the risk of lowering the value of the dollar, busting the national debt, and may not even work. At the same time there are alternatives.

Because of this $700 billion plus bailout bill over the next two years you can expect to see the value of the dollar drop, bonds drop, and gold skyrocket. The question we need to ask ourselves now is how bad will the inflation get? Will it turn into a hyperinflationary explosion that will totally destroy the value of the dollar and wipe out the savings of millions of Americans? Will the Fed one day say we must fight inflation by raising interest rates to 20% or beyond like the Fed did in 1980 or will the Fed let the value of the dollar literally go to zero. These are the end game scenarios we are now headed to. I don't know what will happen in the end, but am going to be prepare myself for either possibility.

Now Bernanke and Paulson said that if there were plan was not enacted the economy would collapse. On Saturday I watched FOX News do a morning special on the crisis hosted by Neil Cavuto. Bush gave a radio address in support of the plan and Cavuto's attitude seemed to be "Bush is a great leader. If we don't do this plan there will a Great Depression. We must support Bush so trust him and obey." Hank Paulson appeared on Sunday's Meet the Press and in response to serious questions about the plan basically said this is a crisis and this is the only choice we have. The talking points seem to be we must accept this plan or we will have a depression.

Well none of this is true. There are alternatives to simply buying all of the bad debt off the balance sheets of all of these banks. Not every bank in the country is bankrupt, but the problem is that so many of the largest banks are saddled with bad debts - and losses that are hidden due to accounting tricks - that banks have ceased to lend to one another. That is the essence of a credit crisis. There is a problem of confidence, but this is not the only way to solve it.

A banking crisis happened in the beginning of the Great Depression, but Franklin Roosevelt and the government did nothing like what is being proposed today. They did not bail out the banks. What Roosevelt did was declare a banking holiday. He shut the banks down. for about a week Then he had officials go into all of the banks and look at their financials to determine which banks were truly bankrupt, which were fine, and which could be saved with a little bit of money. When the bank holiday ended the banks that were bankrupt did not open back up and the ones that were fine did.

Confidence was restored, because depositors now knew if their bank was fine or not - and it didn't require putting the financial future of the entire country at risk to do this. It cost hardly a dime. Yes some people lost money. A lot of banks went under, but the dollar didn't go to zero and future generations weren't saddled with debts. The credit freeze ended in a week.

The same thing could be done now as an alternative. But this is not a plan that Goldman Sachs or Morgan Stanley would like. And the bankers own Bernanke, Paulson, and the Congressional leadership . They are the top contributors to both John McCain and Barak Obama. In a time in which there are alternatives to what is being done none are being presented to the American people. It is a lie to say the only choice we have is to do what Paulson and Bernanke propose or we will have a Great Depression.

What is being planned does not have to happen. And we can solve this crisis without bailing out all of the banks and putting the solvency of the entire country at risk. We need real leaders and not pretend leaders. We need people to speak out. We need you to pick up the phone and call your Congressmen. You need to right a letter to your local newspaper. You need to act right now.

Saturday the Treasury Secretary presented his plan to Congress and put a "fact sheet" up on his website. I haven't heard anyone comment on this, but inside of the plan is a request for total immunity from lawsuits. The plan states, "Decisions by the secretary pursuant to the authority are non-reviewable ... and may not be reviewed by any court of law or any administrative agency."

This is absolutely outrageous, as it puts the Treasury Secretary above the law. Even the President can be taken before a court - remember Bill Clinton. Nixon had to be pardoned so he wouldn't have to go to court. Our whole system of government is based on checks and balances, but this bill takes all of that away when it comes to the Treasury Secretary. It is a mad power grab. Who knows what measures he may propose or carry out in the future with these new powers?

This is the dangerous road that the government has now put us on. The politicians and Federal Reserve are willing to put the savings of every American at risk to protect the banks.

According to the Wall Street Journal, "the central bank is taking on a potentially big risk: If these assets fall in value or default, it may be on the hook, because the Fed cannot claim anything other than collateral as repayment. Officials say the assets are safe and the move is a temporary measure to provide liquidity to the market."

In other words the Fed could totally destroy its balance sheet and bankrupt the country - the Fed could risk putting the US dollar into a hyperinflationary death spiral.

We need to think ahead to this possibility and that is something that I am going to spend time thinking about this week. In short though you want to protect yourself by being out of US dollars and in other assets that will appreciate in value if the dollar declines - of course that means gold, and physical gold if it is possible. It also means stocks, foreign currencies, and even real estate - although I wouldn't be a buyer of real estate until real estate bottoms, perhaps next year. And as for stocks in a hyperinflationary environment investing in foreign stocks would be better than investing in US stocks. What you don't want is cash in savings accounts and money market accounts. That type of money should be in physical metals. Even if the worst case scenario doesn't happen you can surely bet there will be a continued decline in the dollar, rise in inflation, and increase in gold prices over the next two years. Position yourself for that and you will benefit no matter what happens.

I have had a very uneasy feeling about the financial markets the past few days. One I've never had before. The feeling isn't a fear of it dropping, but that somehow a lot of integrity has been taken out of the markets.

It is almost like you can't trust the markets now, because of what the government has done and how it has acted in the past week. I almost no longer feel comfortable investing in the United States. By setting up this bailout plan and suddenly banning short selling in bank stocks the government has shown to me that it can and will do anything for the banks, will change the rules of investing with no notice, and is incompetent. This is very disturbing.

Let's just take the short selling restrictions on bank stocks for instance the SEC announced last week. It seems like short selling is being used as a convenient scapegoat to distract people from the real cause of the banking crisis - incompetent management at the banks that made stupid investment decisions, a government that encouraged their reckless behavior, and a SEC that allowed them to play games with their balance sheets for years. People warned that Fannie and Freddie were doing accounting games for years and the regulators sat there and did nothing.

The truth is short sellers play a positive role in the market, by providing liquidity. Short selling is used by options traders, market makers, and long/short funds to hedge positions. For instance a lot of times when you buy an option a floor trader or market maker will have a short position on the other side to cover the option they created and sold for you. By banning short selling the SEC blew a lot of these guys up and for some reason I doubt they'll get a bailout. But not only that they will take a lot of liquidity away from the bank stocks by banning short sales.

If bank stocks end up dropping again after this rally there will be no shorts to buy to close their positions on the way down. Another drop in bank stocks would end up being faster and much sharper than the one we have just seen. By banning short selling the SEC has made the financial markets even more dangerous and has proven itself to be totally incompetent. It doesn't appear to understand markets and doesn't know what it is doing.

After making its short selling announcement the regulators then announced that it was going to almost double the margin requirements for gold futures contracts. In an instant they changed the rules in the gold game.

It makes me feel very uncomfortable about investing and trading in the US markets when the SEC does something like this. Who knows what rule changes could happen down the road. It is almost as if they are taking the integrity away from the stock market. I'm short US bonds right now, having entered the position right on the gap up of last week, but if bonds go into a death spiral who is to say that the SEC won't ban short selling of bonds?

It is very difficult to make investment or trading decisions in this type of environment. It's like trying to go to bat with a blind umpire.

In the future I plan on buying more stocks outside of the United States. Many of the stocks I buy are mining stocks that also trade in Canada. In the future when I buy them I am simply going to buy them directly off of the Canadian exchanges instead of on one the US exchanges - mainly because of the potential danger of a falling dollar. There are also ETF's on exchanges outside of the US that track the S&P 500 and individual stock sectors. If you live outside of the US you would be better off buying them in the future than buying US ETF's.

By owning foreign stocks if the dollar declines in value against the currency of that country then I will benefit from a decline in the dollar. If I were to simply keep buying everything in the US and then one day in the future the dollar went into a hyperinflationary spiral I would be screwed. It is important to begin to diversify out of US dollars and securities.

Now there are many brokers in the US that allow Americans to buy stocks directory from foreign exchanges. Etrade now has this capability. Penntrade and Mytrack allow their customers to buy from the Canadian exchanges, while Interactive Brokers gives access to virtually every single major world market. If your broker doesn't allow you to do this then you may want to consider moving to one of these brokers. As for foreign money markets and CD's you may want to check out Everbank.com. It may even be worth considering opening up a foreign brokerage account to protect yourself from the risk of one day having to face capital controls.

It is time to think about diversifying yourself out of the US dollar.

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