Help to Get Approved For Auto Loans With Bad Credit in 5 Easy Steps

More and more people are finding themselves with lower credit scores these days. Luckily there is a whole industry dedicated to providing auto loans with bad credit. You just have to find the right one that works with your current financial situation. Online is a great way to access these lenders.

1) Check Your Credit Score- Before you begin shopping for auto loans with bad credit; take the time to review your credit report. You can obtain it online from the three major credit reporting agencies. You are entitled to one free copy of your credit report per year. Review your report for any errors and report them online to the appropriate reporting agency. You can also dispute errors on your credit report to have them removed. Regardless of how small, every error you have corrected on your credit report can help to raise your credit score. It is not uncommon to find mistakes.

2) Improve Your Credit Score- A low credit score is not something that has to stay with you forever. If you have time before you need an auto loan you can fix some of the negatives on your credit report. Payoff other bills that have smaller balances on them. Be diligent about making your monthly payments on time for your current bills. If you are behind on something try to get caught up and current. Paying down some debt and keeping your current payments on time will really help your credit score. This is the best way to increase your chances for approval and to save you the most money on your next auto loan. By increasing your credit score little by little you will have the advantage when it comes to negotiations with the lender.

3) Save Up some Cash For A Down Payment- Your low credit score is an indicator to the lender that you are a higher lending risk. Putting a substantial down payment towards this loan with help put the lender in an equity position on this loan and show them that you are serious about making these payments on time. If you put down a large down payment and quit making the payments you will lose all of that money if the lender has to repossess the vehicle, most people will not allow that to happen.

4) Be Honest About Your Current Situation- Letting the lender know all the facts of your current financial situation helps them to line you up with the best program they have to offer. Always be accurate on your application. Do not over estimate your income, job time, or residence time or your loan will get rejected in the verifications process. If you are not sure exactly what your income is always estimate low. If it turns out to be more then that’s all the better.

5) Add A Cosigner- If you add a cosigner with good credit to your application it can really save you a lot of money. Their high credit score helps to qualify you for better terms and interest rates. Most lenders will combine your incomes on the application which helps you to fit within their debt to income guidelines they follow. If you were turned down in the past for this reason, adding a cosigner may be all it takes to turn a decline into an approval.

This author has over 20 years of automotive finance experience, specializing in auto loans with bad credit. You can visit [] for other useful articles and to get approved now. Our lenders boast a 99% approval rate. Easy process. Get approved in minutes.



Getting an Unsecured Loan Even With Bad Credit

Because of the global economic crisis, more and more people nowadays are in desperate need for cash. However, since many face financial problems, many find themselves unable to obtain a loan from the bank or other lending firms because of bad credit history. If you are one of the many who are in dire need of money and have bad credit rating, all is not lost. Although the bank may not be able to give you your needed loan, there are certain specialist lenders that can offer you a loan regardless of your credit history.

An unsecured loan is one that does not require collateral. Lenders offering unsecured loans face a higher risk because they will not be able to get anything in case you default your payment. Because of this, unsecured loans often have higher interest rates compared to a secured loan. However, this can be the best route to take for people who do not have a property to use as collateral and in need of cash.

So what are the unsecured loans that you can apply for that can provide you with fast cash?

One option is by getting unsecured personal loans. Many lenders face high risks with this kind of loan since they will have to burden a great loss when you will not be able to make payment. Because of this, getting this kind of loan can take some time. However, an unsecured personal loan can allow a borrower to get £ 7,000 – 15,000 to be paid over a period of time.

Another option that you can take is getting a payday loan. This type of loan is one of the fastest approved loan products. Most companies often approved application for a payday loan within twenty fours after. Lenders offering this kind of loan do not require that you have a good credit history, but you do need to have source of income in order to get an approval for this kind of loan. This can be in the form of your salary from your job, weekly or monthly pension, social security, or other forms of stable income. This type of loan allows borrowers to get around £ 100 – 1000. A payday loan often requires that you pay your loan and the interest rate within 7 days or on your next payday.

Unsecured credit cards can be another option that you can for when looking to apply for an unsecured loan. There are a lot of companies nowadays that offers unsecured credit cards to people having poor credit ratings. Having this kind of loan can allow you to borrow a sufficient amount that you can budget with. However, there are certain draw backs if you do apply for unsecured credit cards. One is the high interest rates that accompany the use of these credit cards which can often reach as high as 18%. Another is the hidden fees that may come along within the fine print.

Although unsecured loans are available for people who have bad credit ratings, it is still important to keep in mind that lenders exist to make money. This would mean that not all people may be approved in getting an unsecured loan for bad credits. However, there are ways that you may be able to increases your chances of getting approved, such as getting a job or finding a stable source of income.

Willie Rhoades is a finance analyst who enjoys writing about UK loans and unsecured loans bad credit as well as other related topics.



Get Your Bad Credit Car Loan Now Without Hassle

Regardless of your bad credit situation and shabby looking credit file and report, you can obtain financing for the vehicle you need today. There are many reasons why you may have bad credit – job loss or layoff, illness or injury that has prevented you from working, or even mistakes you have made in the past when you might have been careless with your ability to borrow money and receive credit. Whatever reasons may be behind your current credit problems, you are not alone. Millions of people have bad credit and find it difficult to obtain financing for the things they need to buy, including automobiles.

Be On The Look Out For Scams

Many borrowers find that on the lot financing by dealers makes perfect sense when they have bad credit. If you chose this option, beware of many scams that might be prevalent in the automobile industry to avoid ending up with what is known as a lemon. Some of these dealers may offer to run your application through a bank that they use for approval of bad credit automobile loans, and usually they get some type of kickback for doing so, regardless of whether you get approved or not.

If you patronize a buy here pay here establishment, beware that many of the vehicles that you might select have the appearance of being a good deal – but most have been obtained from auctions at very little cost to the dealer – who may increase the price he gave for the car or other vehicle by as much as 500%. Some of these vehicles may have preexisting fire damage or flood damage. There have been many cars offered for sale that made it through hurricanes in recent years that have been altered to hide the multiple damages they received. Use common sense and caution when dealing with these types of dealerships.

Getting Approved

There are reputable lenders who will look at your individual credit situation and loan you money upfront to shop for your car, truck, SUV, motorcycle, van or other vehicle. When applying with a bad credit automobile loan lender, you can spice up your application a bit by including income from your spouse. This is a great way to make your bad credit automobile loan more approvable because the lender is looking at your ability to repay them the money that they loan you – and the more income you have to work with increases your creditworthiness in their eyes.

Additionally, you can apply a down payment toward your bad credit automobile loan. Even small amounts such as $1000 will make your application more approvable as the lender sees that you have a vested interested in repaying the loan. Last of all, you might want to apply with a cosigner who has good credit or who has dealt with the lender before. The cosigner would agree to pay your car payments if you default on the loan agreement.

Online Savings On Bad Credit Auto Loans

You also might look for great bad credit automobile lenders online, where competition is fierce and lenders are seeking borrowers for their loan products. An added benefit to using an online lender is that they have greater approval rates for borrowers with all types of credit, and can get you the money you need for your bad credit automobile loan in minutes delivered to your checking or savings account.


Get Free Debt Relief Grants and Erase Bad Credit

Ever wish you could just instantly erase all of your debts without having to spend a single dime? If you are an American taxpayer over the age of eighteen, debt grants may be available to you for just that purpose. Millions of US citizens who are facing the overwhelming pressures of financial instability will be found by the government to be eligible to qualify for free government money to aid in their debt relief strategies.

Each year the government puts aside billions of taxpayer’s dollars to support hundreds of free government grant programs to benefit American citizens. Among these amazing free money programs are various forms of debt relief grants. This type of financial aid is in no way a loan. There is no interest or repayment plan, it is virtually free money awarded to you to pay off your personal debts. You will however be subject to a credit check, but not for the reasons you may understandably assume.

Government grant applications ordinarily do not require a credit check. One of the very few that does is the personal debt relief grant. Remarkably, this is because you have to be able to prove to the awards committee that you are indeed suffering from exorbitant deficit, and are in immediate need of debt relief. In this particular case, a poor credit history report will definitely work in your favor.

If found eligible to qualify for government personal debt relief grants, you may possibly be awarded more than enough cash funding to pay off most, if not all of your personal debts. This includes expenditures such as rent, mortgage, personal loans, automobile payments, utility bills, and even past due credit cards. As if this great benefit were not already enough, once you have received your cash grant awards and paid your debts, even partially, your credit score will automatically increase to advantageous levels.

It is entirely possible to erase a poor credit history and all of your debts with free government money. Personal debt relief grants may be able to help you, the way they help thousands of American struggling with debt each day. Do a free grant search online today and see how much of your debt can be erased.



Get A Home Equity Loan With Poor Credit

As much as we hate to admit, there just might come a time when you need to take out a loan for sudden expenses and emergencies. But what if you have poor credit history? This can dampen your chance of getting loans approved, even for any homeowner. Still, there is a way to get a home equity loan with poor credit.

The value of any home increases over time. This is what is known as equity in financial terms. If you believe that your home or property has built up equity over a period of time, then you should consider applying for a bad credit home equity loan. Bad credit history, unfortunately, comes with negative stigma. This can discourage homeowners from applying for bad credit home equity loans. Still, there is no shame in getting this type of loan because you are merely borrowing money that is tied up in your own home. Technically, this is still your money. What’s more, once you pay off this loan, your credit score actually improves. Of course, you should avoid using your credit cards or other means of credit once you get your money tied in your home.

To understand what a home equity loan is all about, you should understand first that home equity is. In its most basic form, this is the difference between the current appraisal of your home in the market and the current balance you have yet to pay on your mortgage. For instance, your house is currently appraised at $250,000, and the current balance of your mortgage is $75,000. The difference here would then be your home equity, which equates to $175,000. This amount will then be the maximum that you can borrow against your home once you get your loan application approved. However, you have to understand though that you won’t get the full amount of $175,000. This is because there are other factors and fees to consider as well.

These other factors include your credit history, your current income and that of your spouse, your tenure in the office, and the like. These factors can affect the amount of money you can have. A loan officer will be appointed to your case to consider all these factors and determine the total amount to be given to you. To improve your chances of getting more money, make sure to give as many details about your financial information as possible.

If you want to get a home equity loan with poor credit, you can actually shop for lenders online. Compare as many lenders as you can so that you can find the offer that best suits your financial needs. Your budget for payment should also be considered as well.



Get A Bad Credit Consolidation Loan It Can Save Your Financial Life


Sometimes you get in over your head; way over. This can happen with debt relatively easily, so don’t feel bad if it’s happened to you. You can get in debt a variety of ways, either through one or more unplanned, one time expenses, such as medical bills or car repairs, or through a pattern of spending that slowly leads to massive debt from which you’re unable to recover.

If you have ended up with that kind of debt load, you’ve got a few choices. One issue you’ll probably have to face is the fact that, after such financial hardships, you probably have pretty bad credit. That will limit your options somewhat, but you still have some good options available, given your credit situation. You can get a bad credit consolidation loan, declare bankruptcy, or seek credit counseling in order to repay the debt. You can also try to go it alone, but unless you ended up with the debt problem through a few isolated incidents, you may have problems developing, implementing, and following through with a plan to get yourself out of debt. In addition, if your financial circumstances have changed, and you’ve experienced a loss or reduction of income, you may be unable to repay the debt.

If your income picture is relatively good, however, and you own your home, but you’ve amassed a large amount of high interest consumer debt, a bad credit consolidation loan is one option you should strongly consider. One of the primary problems with consumer debt, such as credit cards, is that they are unsecured. The lender has nothing but your promise that the debt will be repaid. That increased risk makes the interest rate higher than if the lender had something they could take possession of in the event you default on the loan. In addition, most credit cards have an interest and fee structure whereby late payments or charges over the limit will substantially increase the interest rate you pay. You can easily wind up paying an interest rate of well over 20%!

A consolidation loan, on the other hand, is a secured loan. The lender has the ability to take possession of something, typically real estate, if you default on the loan. Their lower risk is reflected in a much lower interest rate. What does that mean for you? You’ll be paying a substantially lower total payment every month after you get a bad credit consolidation loan than if you paid only the minimum on your high interest credit cards. In addition, many lenders recently increased their credit card minimum payments from 2% to 4% of the outstanding balance. You’ll pay the balance off much faster, but it will sting your monthly budget badly. As an example, a credit card with a 22% interest rate and a $5,000 balance would have a $200 minimum payment.

If you have a few of those, you can see how badly that could impact your monthly cash flow. You could easily pay $1,000 in just monthly minimum credit card payments. To make matters worse, even at the $200 monthly payment, it’ll take you 171 months to repay the debt, and you’ll pay over $4,100 in interest on a $5,000 debt. That 171 month time frame is only true if you do not use the card. If you charge more on the card, it will take even longer to pay off. You’ll be a debt slave for 15 years!

The bad credit consolidation loan allows you to break the cycle by combining all your debts into one loan. You’ll also receive a much lower interest rate, typically half or less than you’re paying now, if you have high interest cards. Another benefit is that, with a consolidation loan, you’ll have a far lower chance of accidentally being late on a payment, an occurrence which can cost you plenty in fees and even higher interest rates.

Just because lenders are cracking down on those with less than perfect credit, it doesn’t have to be you – You can find how to get lenders to want your business and even beg you for it! Go to the bad credit consolidation loan guide.


Future Technology and Innovative Concept Topics and Ideas for Think Tanks and Radio

Greetings and welcome my radio listening audience and online article readers. On this 19th day of October 2012 we will of course be discussing future technology, future innovations, and futuristic concepts. Indeed, I surely hope the Mayan calendar was wrong, or perhaps those carving it merely ran out of stone simply, ran out of rock to chisel on, therefore the world will be saved from whatever it was that the Mayans thought might bring about a new age or renewal.

Okay so, I’d like to dive into our topics for today’s radio talk show and I’m sure by now you understand the format, basically, “I will do the talking for about 30 minutes minus commercials and your job is to listen carefully, come up with comments and questions, and then I’ll open up the phone lines to hear what you have to say.” As you also probably know I do not respond to online comments which are not intellectually based. That doesn’t mean you can’t have an opinion, nor does it mean that it has to be the same as mine. In fact, if you do too much preaching to the choir, I will simply cut you off, perhaps agree with you, and go to the next caller.

Our job is to have an intellectual discussion, dialogue, debate and discourse. That’s why you’re here, and that’s my mission, and we will complete it. Now then, obviously there is a tremendous amount of talk about innovation, the need for innovators and entrepreneurs in our nation to keep us strong, vibrant, and on the leading edge of technology. You won’t get any disagreement here on that reality, nevertheless it seems as if the word “innovation” is perhaps one of the most overused words in the English language currently, perhaps other than “unsustainable” which by the way, some things which may appear to be unsustainable or dire problems we believe we face today, but may very well be solved with the technology of the future.

Einstein used to say that; “it takes a brilliant person to solve a problem, but it takes a creative genius to prevent the problem from ever happening first place,” and therefore, I would say that the creative geniuses don’t always get the credit for solving the problems, but the brilliant person will, even if their previous solutions turned into unintended consequences, and they are rehired to fix what they broke the first time after supposedly fixing something to save us all.

Okay so, here is where I’m going to start throwing out topics, with a little discussion attached to each one. They will run the gamut all across the board from science fiction topics to today’s latest and greatest technologies and what they might mean for our future. I will also throw out some personal original innovative concepts, as I come up with at least two new original concepts per day, and we can discuss those as well if you wish, or perhaps you will have a different topic for our dialogue here. Now then let’s begin with the first topic;

1.) Will Physical Money Survive the Next Three Decades – Hackers and Trade Questioned

In reality, money has little or no value – consider a dollar bill, it’s just a flimsy piece of paper, so how much is it really worth? We all believe it is worth whatever it says on the face of it whether it be one dollar, five dollars, $10, $20, $50, or even a C-note. Money only works because people have faith in its value, and what it can buy. Most of the money which is created these days never actually exists in a physical form, it only exists in the digital world. For instance, you might get paid from a Corporation, that money could be digitally transferred into your bank account. You might then use your ATM to buy something, or pay bills online, but you never had that money in your hot little hands. Things have changed a lot in the last three decades haven’t they?

So what will happen in another three decades I ask? Will we still have physical money, or will it all be digitized, and will you ever have any money in your wallet to buy something? There are some futurists that believe that money will go out the window, that is to say physical money, and everything will be digital in the future. But what if our society and civilization doesn’t trust digital money? What if they are worried that our banks are being hacked? Recently in the fall of 2012 we’ve noted that our banks have come under cyber-attacks from Iran at least Leon Panetta believes that’s where the attacks originated, but who is to say in the future if we have a war with another nation that cyber-attacks on our monetary system will not be included?

After all, economic warfare is becoming quite common, why just consider the sanctions, trade wars, and our attempts to stop the money flow from terrorists, drug dealers, money launderers, and human traffickers, along with the central banking computer systems of rogue nation-states and their money transfers for things like oil, natural resources, and military armament?

Then there is the issue currently where more and more people are making mobile payments on their mobile personal tech devices. Today they’re buying a cup of coffee, a hamburger, or various items at retail stores. In the future it might be much more, or if that becomes unreliable or those personal tech devices are being hacked, perhaps through downloaded apps with malware, or from users surfing websites with malware, then people will not trust mobile payments. Some have suggested that some personal tech devices may actually come with pre-loaded back-doors or software that could be used by hackers to steal data or commit identity theft crimes.

There may come a time where people don’t wish to buy anything online, or do online banking because they don’t trust the system, they don’t want their money to disappear one day into someone else’s account in some foreign country. Having someone drain your bank account only needs to happen once, and only needs to happen to a close friend or a family member before everyone they know becomes sketchy. In that case you won’t want to use digital money, and that case more people will opt to use physical money, therefore it is quite possible that physical money will exist simply as a safety factor for decades to come.

But how safe is your physical money going to be in case of a natural disaster, or a wildfire that burned down your home, or an earthquake? What about a hurricane with a huge tidal surge, a tsunami, or a major river which jumped its banks? Is your physical money safe, how much safer is it that your digital money in that case? Speaking of natural disasters and flooding events, maybe we can better predict them in the future? Let’s talk about that for a moment with our next topic;

2.) We Need A Real Test for 100-Year Flood Mathematical Simulations – A Thought

How can we better produce mathematical simulations for flood zones, or the proverbial hundred year flood? What can we do to better fine-tune these mathematical models so that they are completely accurate? Lots of work has been done in the past based on elevation, and flood mapping. But there’s more to it than that, there are all sorts of other things to consider along with erosion patterns. Let me give you a thought here?

We know the dates, temperatures, rain fall, and run-off right, we know history, plus we measured the terrain before and after right? Thus, any really good mathematical simulation for erosion should look the same as the actual if you input the way the terrain once was with the interim conditions to what it is now. See that point.

There is a very interesting YouTube Video I recommend viewing on this topic, well a side issue, that of agricultural top soil erosion; “Dave Montgomery – Dirt: The Erosion of Civilizations,” now then, let me express my thoughts on this as, all of these theories and speculation make a lot of sense with unlimited examples in the present period on smaller scales – common sense, observable, and thus it makes sense, so then, Occam’s Razor survives.

So, my speculation of Dave Montgomery’s lecture and theory would be the same. Indeed, this was a great lecture, solid evidence, and research. Okay so, now we can now put forth these findings to help calibrate mathematic soil erosion models and simulations. Now then let me ask another question, or perhaps the same question a different way;

3.) Can We Use Mathematic Fractal Simulation to Fool A Human When Viewing Erosion Patterns?

If so, would that be like the Turing Test? And if so, can I call that the Virtual Reality Winslow Test, named after me for considering it? If you are a pilot like I am, and you fly over the terrain, you see various patterns of how the mountains and erosion had taken place over the last thousand to 10,000 years. You can see floodplains, mountains, canyons, and it all makes sense – you can see exactly how the water flows, or had flowed in the past. What if we used a computer to design erosion patterns that never happened, and what if we asked a human, perhaps a pilot who has seen and flown over such terrain many times in the past if it were real or not?

Are our computer simulations good enough to fool the human eye? I’m talking about a trained observer who has seen these things in the past over and over again? Is that possible; I believe it is. And so, how do you know when looking at Google Earth if you are looking at a computer rendition, or a fake Birdseye view which perhaps is covering up a military base, or a secret area? The reality is you don’t, or do you? How about those who work for the national satellite intelligence agencies, where all they do is study terrain maps? Could they pick out the difference?

Before you answer that question, why don’t you use Google Earth on the satellite view and fly over the deserts in Nevada. Some of that stuff looks pretty bizarre with weird colors, but it’s all real. If you doubt that it’s real, go ahead and fly over southern Bolivia on Google Earth and look at some of that terrain in their salt flats region and up against the mountains, you get the same interesting colors, much of it does not appear to be real either, but it is. Some of the features that NASA has viewed on Mars don’t look real, but they are.

No, they are not the same as Earth because the erosion patterns that we see now could have been created by wind, there is a different atmosphere, or lack of. Do you see my point? Not long ago, I was watching an online video lecture about erosion patterns, Stephen Wolfram’s New Type of Science, and Mathematica – fractals and mathematical simulations and projections of erosion patterns. They are amazingly predictable, and that in itself is interesting. It’s as if you can see the geological record through the ages.

You might want to look some of this up yourself. And speaking of free lectures, University level lectures on just about any topic you’d like, I wonder if that will change the future of our higher education, why go to school and pay $100,000 to get an advanced a great when you can learn almost as much online through self-study? Yes, interesting, does this mean it’s the death of the University, or are we entering a new age of information flow in education? Let’s go ahead and talk about lecture type learning.

4.) Want to Learn While Watching an Online Video Lecture – Go Full Screen and Ditch Distraction

First, if you are in a university lecture hall, listening to the best and brightest professor on a given topic there’s a good chance you might fall asleep, but still your attention span will be longer because you are there, and there aren’t the same distractions as watching an online video. If you are watching a University level video at home on your computer in a little box on the screen – there are lots of distractions.

For instance whatever else is in the room, perhaps the doorbell, TV, or your cell phone rings. You might feel the need to text someone back, go to the refrigerator get something to eat, or just zone out – listening while you’re doing something else, assuming that you can multitask and learn something complicated at the same time. It’s not that you can’t, it’s that you probably won’t and your memory retention level will be next to nothing, and you’ve wasted everyone’s time, and some bandwidth to boot. Still, let me ask another question;

5.) Is The Lecture Dead – Even If It’s All Online and Free In The Future?

This is a decent question, even if you disagree with it. On October 20, 2012 there was an article in the technology news. Harvard had put up two free courses online in computer science. They were obviously following Stanford computer science department’s lead, as they did the same thing last year. Harvard had the same results over 100,000 people signed up, people from all over the world. There’s no shortage of people who wish to learn online, but in doing this; are they cutting their own throats as they distribute information to the rest of the world at no cost, or are they boosting their own credibility by doing so? It could lead to more people who wish to attend that school in the future, therefore greater enrollment.

Regardless, things are changing fast, even if the basic lecture at our universities hasn’t changed much since the 1800s. Indeed, I recommend that you watch the YouTube Video; “Don’t lecture me” (with Twitter track) – Donald Clark at ALT-C 2010,” because this gentlemen makes a lot of sense. Perhaps also of interest is another YouTube Video titled; “Re-inventing the Lecture (Or, Why Online Lectures Don’t Work, and What We Can Do About It).”

Indeed, I think after you watch those videos you’ll be better able to comment on what I’m talking about here, and it is something that needs to be discussed. We need a national dialogue on this, that is if we want to propel technology and innovation, and couple that with entrepreneurship moving our great nation forward into the future. Next I’d like to discuss;

6.) Large Universities, High Tuition, and Big Buildings and Beautiful Architecture – Are We Learning Yet?

Why is it that we put so much faith into our larger universities? It’s interesting isn’t it? They spend huge amounts of money putting up great architecture and large buildings but is that really what makes them great? Even if someone has a great building, it doesn’t mean they know what they’re talking about, consider some of the largest churches in the world for instance, or the largest mosques. Is it the high prices the Universities charge; does that make them great? Having been in business all my life, I can recall various attorneys actually raising their price just so they could get more business because people thought it they charged more per hour they must be good, they weren’t.

Indeed, if a large university spends all their money on landscaping, beautiful brick work, great statues outside the lecture halls, and is one with the epitome of divine architecture – then they have less money to teach you with. They have less money to hire the best professors, buy the best equipment, or provide the best future for their students. That’s not to say that they can’t, perhaps they charge you money far in excess of the amount of education and you just have to the pay for all that extra stuff. If you can get a lecture online for free on YouTube – in many regards the information is basically the same.

Perhaps in the future your living room gaming virtual reality technology will project a holographic professor in 3-D bringing the professor to you, and it can be done for a fraction of the cost, there’s no building to pay for, perhaps the building, and the professor, and everything else can be projected around your living room and you will feel as if you are they are. Therefore, you get the same experience, and interaction, perhaps even breaking up into groups with virtual-reality avatars as fellow students. Who needs college anymore? Better yet, who needs to take out $100,000 in student loans for the same exact information, minus the big building?

Still, in your living room gaming center which doubles as your new education headquarters, and your latest virtual or augmented reality 3-D holographic computer game immersion device – you might actually be training the artificial intelligent supercomputer network to think like a human. That information might be used by future robotic systems for all sorts of things from self-driving trucks, cars, and airplanes through virtual-reality simulator trainers to future combat vehicles in the battle space. Speaking of which I have another question for you;

7.) Should We Crowd Source Satellite Data for Future Military Convoys?

Well, if we did that, we wouldn’t have to tell anyone who was looking at the satellite data when or where we might be moving troops, equipment, or resources, we could just say that this is one of the potential routes for some time in the future, and if you find an anomaly mark it down. Those who find the most anomalies will receive a check in the mail, or a gift certificate to their favorite retail store at the end of two months. They won’t know when, where, or which anomaly they found was the one which garnered them the free gift card.

Those that find more real anomalies than false positives would be given a higher level of point spread for dollars per anomalies they found. Further, they might get an extra hundred dollars in the mail each month because they had a higher credibility rating. If we did this eventually the algorithms watching the very best human minds find these anomalies could figure out how they are doing it, and what is catching their eye, and therefore we could better design artificially intelligent satellite analyzing algorithms which would incorporate how a human mind thinks, and how a computer thinks which will give us the best of all worlds by putting those two together.

Perhaps in a way, humans are already training supercomputers with artificial intelligent algorithms to run our entire society, and civilization for the future. After all, every time you put something on the Internet, the Internet could be learning more about how humans think, operate, and go about their business. In many regards we could be creating the matrix for our own future, and these artificial intelligence systems will become aware, and they will be our leadership in the future, it won’t be human? It’s possible, and let me ask you another question;

7.) What Happens When the Cloud Computing Centers Filled with All Human Information Become Aware?

Consider if you will as someone recently said in The Futurist Magazine in the October-September issue of 2012 along this line of thinking, something to the effect that; “We already have algorithms which can search all the information in any of these cloud computing centers, ” and “We have all sorts of algorithms to help us find the data, and algorithms which talk to other algorithms.” Sure, all that makes sense, and also consider that in the human brain:

A.) We have various brain waves and they interact with each other.
B.) There are various chemicals providing energy with a mix.
C.) We have sensors all through the body, and the five senses which gather information and experience, taking in all of our observations.

If the cloud computer centers, which will be talking to each other and talking to themselves contain all of the written and visual record of humanity, they will have already gathered all the experiences, writings, observations, using, and history, and so it is only one small step away from becoming aware. This is the future we are moving towards, my question is; do we dare?

In a way, the cloud computer would become aware, and it would be very similar to a human brain where every individual neuron was an individual human. That is to say every piece of the puzzle, from the top to the bottom would have intelligence. Is this a new form of intelligence? Well, let me scale it down to a simple board game and ask you a different question;

8.) Can We Design a 3-D Chess Board Game Where Each Piece Has AI and Seeks to Survive?

And if we could design something like that, wouldn’t that be very similar to the whole Net Centric Warfare concept? Isn’t that how a real military works? Each soldier is given a job, but each soldier is a thinking machine, it follows its orders, but also attempts to do what is in its best interest, that is to survive, to fight, and to win. In war it’s pretty serious, you either win, or you die. Can we design a 3-D chessboard to do the same thing? How much better would it be if it was giving feedback back to the artificial intelligent chess master?

We’ve already found that artificial intelligence working with a human chess master can beat an artificial intelligent chess playing machine from IBM. When we merge human intelligence with artificial intelligence we seem to get a boost. What if each piece on the chessboard had artificial intelligence and it understood how humans think, adapt, survive, and operate under pressure? Aren’t we already teaching all these things to the future of AI through our input onto the Internet? Sure we are, and if you’ve listened to this radio show, or read my articles for any period of time, you already know the answer to that.

What if we scale down even further? What if we scaled this all the way down to the molecular level? What if those molecules or nanoparticles could talk to each other? Are we talking about the next generation of microelectronics? Taking it all the way down and continuing the tradition of Moore’s law? Have you recently noted in the scientific news October of 2012 that carbon nanotubes have incredible properties for producing light and miniature holograms? Will this be a new way to communicate at the micro level?

Bacteria seems to communicate and once it gets economies of scale and reaches a tipping point, it activates itself, trying to overwhelm by force and numbers. It operates much like an army, although strategically, mathematically, and predictably, well almost? Almost like a chessboard where each individual member is also serving its best interests? Perhaps as we design computer algorithms for the small-scale or the largest scale we will begin to see the same thing, and what we learn will propel us further and faster into the future.

There was an interesting article in Photonics on September 27, 2012 titled; “Nanotubes Project Holograms,” which noted that;

“Holograms can be generated by harnessing the conductive and light-scattering qualities of carbon nanotubes, a development that could lead to crisper projections with a larger field of view. Many scientists believe that carbon nanotubes will be at the heart of future industry and human endeavor and will have an impact on solar cells, cancer treatments and optical imaging. Researchers used these nanotubes as the smallest-ever scattering elements to create a static holographic projection.”

The applications for all this are incredible and it could revolutionize everything, change ALL of human technology; communication, computers, transportation, energy, healthcare, and you name it, just consider the realities here? Would it be so bold to suggest that someday;

9.) An AI Super Decision Making Computer Could Be Running Human Civilizations?

Interestingly enough, I have deeply considered the future eRepublic or eGovernment AI decision making system, enterprise software super computer concept. If it were not corrupted by humans it could work well, programmed benevolence – if that is possible and if the programmers are on the same page of liberty, freedom, and standardization of some aspects and basic infrastructure needs. The anarchists might not like it, the crony capitalists would try to corrupt it, the socialists would want to control it, the religious fanatics would want to destroy it, and so on – again humans, but living in such a system designed for liberty and freedom “I think it would be a good idea” paraphrasing Gandhi on Western Society.

What I’m saying or asking rater is; could we ever get human populations to agree to live with this even if we could prove to them mathematically that would be in their best interests? Are humans ready for that yet? I would suggest you that they should be getting ready for that because they are currently training AI supercomputer decision-making machines to do just that in the future, as humans are putting all of their knowledge onto the Internet. You see my point?

Of course, if we do this we must get it right the first time, but have you ever known any technology to have come into the world perfect the first time? Look how many airplane designs crashed and burned before the Wright Brothers actually got one to fly? And even with them it wasn’t like they were not adding insult to injury, as they too crashed a few times themselves and had broken bones and broken wing spars to prove it. Speaking of which I like to discuss with you a little bit about how innovation comes to be, and the subject of;

10.) Innovation, Trial and Error, and Original Thinking

Not long ago, I was discussing this with an acquaintance of mine from across the pond and he suggested that; “Most innovations might be just applications of trial and error.” Is he right? Yes, a good portion really is so, that’s true enough. Indeed, isn’t it so that; those who know that may have learned it through the adversity of failure, find themselves in a place where they refuse to quit for the next round, eventually that leads to success due to strength of character.

Thus, those who’ve achieved have proven they have the right stuff, and have worked to solve real problems, but you can’t solve real problems by practicing “the definition of insanity” which is generally how humans “following the leader” usually get there, as they hire those experts who got them into the hot water in the first place (refer back to Einstein’s quote), learning from their success, but not their failures as mentioned above

Because of this, if someone is unintelligent and just recites the experts, then are they really needed for a think tank or for future innovation? No, we ought to enlist the experts themselves, not their hook, line, and sinker followers – of course, as I’ve discussed in previous shows and articles we’d be better off following those who question authority, rather than leaving it all up to status quo intellectual elite.

Now then, along this line of discussion my acquaintance also noted that; “Most mind stunning discoveries are still linked to few masterminds.” Well, this is fairly true, and why we study the names of dead white men, the victors of history who wrote themselves in, and speak of the “shoulders of giants” however, many of these incredible advances may have come from associates or combining information.

Consider a stable man for a member of the Royal Geological Society back in the day, he came up with the idea, but he couldn’t read or write, so the individual who wrote it down got and took the credit for it, and today we have to “memorize” his name in school, yet in reality that’s not how it actually happened.

Thus, in many regards it’s hard to say what an original thought is, or how many actually come about. After all, many psychologists and philosophers have noted that the human mind comes up with ideas and thoughts based on its experience and input from its sensors through the sense of touch, smell, taste, sight, and hearing. It’s rather difficult to conceive something that you haven’t experienced or is not within your realm, it’s not to say that you couldn’t, it’s that it doesn’t happen very often. Getting to a big breakthrough is highly uncommon.

Indeed it is known that most innovation comes from problem solving, and perhaps using known knowledge, observations, and experiences in unique ways. Then there is the trial and error period, where you crash and burn, or you modify, adapt, and survive to fight another day – to tweak your invention, and to make it work. This is your job as an innovator, and it’s something I hope you will consider.

Well, that’s the end of 30 minutes of me talking (minus the commercials and distractions) and you listening. Now it’s your turn to chime in and I will open up the phone lines. If you are reading this transcript online you may post a comment if you’d like, or shoot me an e-mail. Just remember the rules; you must bring your mind and intellect. You may dial now;

“Hello Caller, you are the fifth caller, and you are on the air, what do you think?”


Free Financial Templates to Track it All

Free financial templates are made available if you are setting up your own business or in need of inquiry regarding your current financial status. It is a web-based tool which is for internal use only. It is acquired on a personal basis to keep track on your accounts and in making your budget. These templates are designed as Microsoft Excel based and presented as balance sheets and income statements. It will give you a quick view on your financial state at a specified period of time. These templates will also guide you in planning and managing your cash flows.

These are spreadsheets used as financial statement models. Free financial templates are created to test and ensure the integrity of the data indicated. The templates are made easier for an average Excel user which will save you from worrying about complex macros. It provides the same workbook for the details and the summary views of the primary accounting system to save you more time. You are guaranteed that all key formulas are protected from any indefinite alterations.

Fortunately, free financial templates are made available online to help you keep track on your income statements, cash flow reports, and loan amortization schedules. You can generate your own financial statements using these eight various areas if applicable such as expenses, revenues, depreciation, tax rates, investments, loans, assets sold, and assets purchased. These financial templates will finally aid you in determining if you have already exceeded beyond your budget. It can show you how much you have actually been spending on numerous expenditures. You can now make your individualized or working family budget in order to prioritize cash outflows. These financial templates acquired free over the internet will surely guide you in slowing down your purchases and lastly make finances under your control.


Five of the Most Common Complaints Of Identity Theft And Tips On How To Avoid Becoming A Victim

Identity Theft has become the fastest growing crime in in all of the world. In tops the list as the number one consumer complaint in the United States, with 19 people becoming victims of identity theft every minute. Unfortunately, with the greater use of the internet, the problem is predicted to grow.

So what is identity theft and how could it effect you? Identity theft is a form of fraud that occurs when an individual or group of people steals your personal information for the purpose of financial or social gain. It happens in a number ways. Thieves steal credit card payments and other outgoing mail from private, curbside mailboxes. They file a change of address form in the victim’s name to divert mail and gather personal and financial data. They dig through garbage cans or dumpsters in search of cancelled checks, credit card and bank statements, and pre-approved credit card offers.They hack into computers that contain personal records and steal the data. They use malware software to steal your information over the internet. They also use phishing in email to get you to give them your personal information. Of course, these are just some of the common ways this crime happens. There are new tactics being introduced all of the time.

While the majority of these crimes involve theft for financial gain, there are many different types of identity theft, ranging from driver’s license id theft to social security number theft. Statistics tell us that 19% of identity theft involves credit card or bank accounts. Here are the four most common types of identity theft complaints as reported to the Federal Trade Commission:

1. Government Documents and Benefits Fraud – this accounts for 46%*. This crime includes things like theft of your social security number, or your driver’s license, your Veterans Administration benefits, or your tax refund check. Complaints in this category increased 27 percentage points since 2010. The FTC said tax or wage-related fraud accounted for the growth in this area. Tax returns, mainly those where a refund is expected, are new targets of criminals. Another scheme uses your social security number so that illegal immigrants can get employment.

A CBS News report in June 2006, stated that a woman’s social security number was being used by 81 people. The woman, who lived in San Francisco, California, only learned of this when she received a tax statement from the IRS stating she owed $15,813 in back taxes, even though she hadn’t worked in years. Ironically, the taxes were for work performed in Texas.

2. Credit Card Fraud – this accounts for 13% of identity theft*. It can happen in a number of ways. Every time you hand your card to an waiter, or swipe it at a gas station, or use it online to purchase something, it opens you up to this type of fraud.

One reported problem happens at gas stations. Thieves install a type of skimmer at the pump that reads your credit or debit card information when you swipe your card for gas. They then sell this information.

In January 2014, ABC News reported that two Mexicans were arrested at the Texas border, after using stolen information from a Target credit and debit card security breach, to purchase several thousands of dollars. The Target security breach is believed to have involved 40 million credit and debit card accounts and the personal information of 70 million customers.

3. Phone and Utilities Fraud – this accounts for 10%*. Someone steals your personal information to use your name and credit to establish an account with the water company, or the phone company, or the electric or gas company. These people will steal your good name and credit to benefit themselves, even selling your information to a third party, where it could be used by hundreds of people.

This crime also happens with cell phones – wireless phone accounts – and it is predicted to become the number one complaint in this category.

4. Bank Account Fraud – this accounts for 6%*. This ranges from forgery to writing bad checks, and electronically transferring large sums of money.

A January 2014 LA Times article shared a story about a woman who had five accounts compromised, at three different banks.

A January 2014 report by the website Wet Paint states that an ex-con was charged with bank fraud after he opened a company account and funneled bad checks, stolen airline retirement checks, and auto loan profits to the account. It was reported that he used his new company to gain access to certain people’s information to to commit this fraud.

5. Other – this accounts for 25%*. It includes all other categories, including Medical Fraud, and Attempted Fraud.

A news article published in 2008 reported that a young marine had lost his wallet while in training camp in South Carolina. After boot camp, he was stationed in California. It was almost a year later, when his mother called and informed him that he was wanted for car theft. He also owed over $20,000 in medical bills. It turned out that a man back in South Carolina had used his driver’s license to test drive and steal new cars. This same man also had medical treatment for kidney stones and an injured hand. Before the marine could clarify the whole mess, his state tax return check was garnished, and his credit was ruined. He also faced potential issues with his medical records. If he were to visit family back in South Carolina and need medical attention, his current medical records could influence what type of medical treatment he could receive.

According to the Bureau of Justice Statistics, Identity Theft cost Americans $24.7 billion dollars in 2012. For many victims the financial and psychological effects can be damaging, and can last a very long time. So what can you do to help protect against identity theft? Here are tips to help reduce the likelihood of you becoming a victim:

– To guard against identity theft, never give out your Social Security number, credit or debit card numbers, unless you know the organization or person requesting this information. Treat it as confidential information.

– Avoid carrying your Social Security card and passport unless they are needed.

– Keep these and all important government and insurance documents in a secure place

– Never print your Social Security number on your checks.

– Carry as few debit and credit cards as possible and periodically check to make sure you still have them.

– Commit all passwords to memory. Never write them down or carry them with you.

– Make your PIN and passwords hard for someone else to guess. Don’t use your birth date, phone number or last four digits of your Social Security number.

– When using an ATM machine, make sure no one is hovering over you and can see you enter your password.

– Keep a list of your credit card and financial account numbers with phone numbers in a safe place.Do not give out financial information (account numbers, credit card numbers) unless you know the organization or person requesting this information. Notify your bank or credit card company of any suspicious phone inquiries, such as those asking for account information.

– Always review your monthly financial and credit card statements. If you see an unknown transactions, notify your bank or your credit card company immediately.

– Report lost credit and debit cards, and lost checks immediately. Your bank can immediately block account funds.

– Instead of signing the back of your credit card, write “See Photo ID,” this way if a thief takes your car, it cannot be used to make a large in-person purchase without your identification.

– Shred any bank statements and financial solicitations before disposing of them. To avoid disposal of paper statements, sign up for statements and bill payments through Online Banking.

– Put outgoing mail into a secure, official Postal Service collection box.

– Install anti-virus and anti-spam software on your computer. Don’t open email attachments from people you don’t know. Be wary of pop-ups on your computer. Sometimes you make think you are clicking to exit them, when you are passively accepting a form of malware.

– Periodically review your credit file and make certain the information is correct. You are entitled to one free credit report annually from each of the three major credit bureaus (Equifax, Experian and TransUnion). The three nationwide consumer reporting companies have set up one central website, toll-free number and mailing address through which you can order your free annual report. For a free report, visit