Hi Gary, ======================================================== How come we can say bullshit but not d*mn or h*ll without the dreaded * being applied? =========================================================== It's just the way the Adlandpro forums have been set up. When you set up a forum, you have the option of creating a list of words that are automatically edited in any post they show up in. Some forums are set up to completely blot out whole words, so at least here the meaning isn't lost! God bless, Dave

Hi Dave and All, I've been following this conversation with interest for a couple of days. Tried to post once and got an error, then decided what I had to say wasn't all that necessary anyway at that point. Hope I don't have the same experience this time, because I do want to respond to a couple of your posts in particular. This will do for the essence of those posts: ============================================ I would like to make it clear that I do not for one minute live under the assumption that all financial problems are caused by greed. Many come from circumstances that are out of our control. However, people need to be educated regarding the ways and means to get out of these situations. ============================================ I've always given people the benefit of the doubt as to how they came to be in the circumstances they're in, whether or not it was of their own doing. Sometimes it's just woeful ignorance, and there is a very good reason for that ignorance. Time and time again I have seen reference made to the fact that our schools do not teach financial literacy...speaking of course for my own country only. I've made reference to the fact that the entire financial climate has changed since our parents learned what they learned about finances. Consequently we who are now baby boomers mostly did not receive accurate information and we were not able to teach our kids. And where did we learn? From our creditors, the very people who stand to gain the most by keeping us in financial bondage our entire lives. I completely agree that people need to be educated, not only about how to get out of these situations, but how to stay out. I completely disagree that they should learn from their financial institutions or depend on them for help. Speaking as one who has done it, if I may promote my own forums, I'm one who is making attempts to provide that education. I think Linda and Gary would endorse those attempts if I asked them to. Gary is another. I've just read his ebook, "How to Save Thousands and Increase Your Personal Net Wealth" and heartily recommend the exercises and information in it. For those who would take offense at the suggestion that increasing personal net wealth is a postive thing, I can only say that this is not about greed, it's about creating personal security so that others are not required to be responsible for your continued comfort and sustenance. To me, it's a personal responsibility issue. Thanks for the interesting reading, Dave. Cheri

Thanks Linda and Dave, Now I know. Using my new found knowledge... It was damn hell swimming through the dam then climbing up the hill but the worst part was avoiding all that bullshit in the paddock. Just trying to lighhten the mood here, somewhat. Money matters sure invoke strong opinions. Gary

Ohhhhhhhhhhh Cheri, I had to laugh. Here I am making one of my silliest wisecracks and you say: ================= "Gary is another. I've just read his ebook, "How to Save Thousands and Increase Your Personal Net Wealth" and heartily recommend the exercises and information in it." ================= That would have to be my worst example of inopportune timing. But seriously, thanks a lot for the nice comment. Gee! You have to be careful, don't you? Gary - still laughing!

Hey Dave... ========== I would like to make it clear that I do not for one minute live under the assumption that all financial problems are caused by greed. Many come from circumstances that are out of our control. However, people need to be educated regarding the ways and means to get out of these situations. ========== I do know you don't think that. I debated a couple of days before responding to that part. I finally did post what I did because I see SO many people saying "money doesn't buy happiness..." and "why do people think success is about money?" and other such comments. It's very true that money doesn't buy happiness. It's also true that success is about more than money. There's a LOT of unhappy people with money. lol But, the sad fact today is that the vast majority of people seeking "bizopps" are doing it because they can't make ends meet or can't get out of debt or can't put their kids through college, etc., etc. And in those cases, lack of money causes UNhappiness and stress. The saddest part is that there is a level of personal growth needed first before one can succeed in ANY business. I have never seen a business owner or entrepreneur "grow" a successful business without first "growing" themselves. Learning due diligence. Learning to do the math. Learning to plan their work and work their plan. So - you're VERY right. Most of those people need to be educated on HOW to get out of those situations. Many of them can not yet see that they are their biggest problem and their only hope, all at the same time. : ) L P.S. That cd you sent me. Is there a Canadian branch or do you work from a US supplier? I'll send a PM with more questions, too. I'm just up to my eyeballs right now. I'm so far behind I've lapped myself and I'm in first place again. lol