Sys Nica

Tuesday, July 10, 2018

We can help you find a tuition-free online college or university!

Most people assume free online colleges and free online degree programs don’t really exist. Sadly, 68% of college graduates in 2015 completed their education with over $30,000 in student loan debt, and that amount has increased by almost 10% in the past two years. More and more students are starting their lives with the weight of their education bearing down on their shoulders, which shouldn’t be the case — especially while there are free online colleges.

The American government has fought back against student loan debt by providing something called a Pell Grant to low-income families, which is a grant that is free and clear of any strings and that will not have to be paid back. However, 88% of students who receive a Pell Grant in 2012 still had loans with a balance of over $30,000.

Free Online Colleges Can Help Students Avoid Debt

Interactive with video > https://www.onlinecollegeplan.com/free-online-degree-programs/

Test the validity of your statements "before" you look like a damned fool

Debate.org is a free online community where intelligent minds from around the world come to debate online and read the opinions of others. Research today’s most controversial debate topics and cast your vote on our opinion polls.

http://www.debate.org/

Free Legal Advice

https://tinyurl.com/y8329ps8

Can U.S. Birth Certificates Unlock Hidden ‘Strawman’ Financial Accounts?

Americans can use their birth certificates to access secret "strawman" funds.

The idea that United States citizens can gain access to secret funds because of a government-created “strawman” is a persistent myth — and one was debunked long ago as a get-rich-quick scheme promulgated by shysters with links to far-right groups:

When your birth certificate was monetized and converted into a UNITED STATES Government Bond shortly after your birth by your Mother, your net worth became unlimited, into Billions of Dollars, without your, nor your Mother’s, and Father’s, knowledge.

When the UNITED STATES declared bankruptcy in 1933 under the bankruptcy (Straw man) law known as HJR 192, pledged all Americans as collateral (debt slaves) against the national debt to the International Bankers; gave all the land to the international bankers (Federal Reserve Corporation); and confiscated and outlawed all the gold except for one ounce for each person; thus, eliminating the lawful means (Gold and Silver Coins) by which you could legally pay your debt, the UNITED STATES also assumed legal responsibility for providing a new way for you to pay.

In 1933, the UNITED STATES Government declared that they would pay all of YOUR debts with the money they receive from your labor, birth certificate, and Social Security registered number by what is known as your Reserve Account worth Billions!

The UNITED STATES Corporation Government did that by providing what is known as the Exemption Account.

The bankers loan credit and not money, because there has not been any lawful money since 5 June 1933.

The Exemption Account is your exemption from having to pay for anything.

In practical terms, though, this meant giving each American something to pay with, and that something is your credit.

This secret has been hidden for over 79 years.

Your value to society was then and is still calculated using actuarial tables.

At birth, average value bonds were created from your birth certificate.

I understand that this is currently between one and two million dollars at your birth when your mother unknowingly gave her baby, you, away to the UNITED STATES Government.

These birth certificate bonds were collateralized by your birth certificate and your mother’s maiden name under an Act of Congress in 1921.

Then your birth certificate bond became a negotiable instrument just like any security instrument under UCC Article 3, code of commercial law in which the world trade falls under.

The bonds are hypothecated and traded on the stock market until their value is unlimited for all intents and purposes.

People all over the world buy and sell your bond every day over the stock markets as investments.

All that credit created is technically, and rightfully, yours.

In point of fact, you should be able to go into any store in America and buy anything and everything in sight, telling the clerk to charge it to your Exemption Account, which is identified by a nine-digit number that you will recognize as your Social Security number, without the dashes.

It is your EIN, which stands for Exemption Identification Number from the UNITED STATES CORPORATION of America.”

Complete article @ https://www.snopes.com/fact-check/birth-certificates-financial-accounts/

Care to increase your knowledge & vocabulary?

Pick yourself out a good book preferably with a higher level of difficulty to interpret. Then create an open document to copy and paste unknown words and statements. Next, download your book for free.
Finally, highlight and look up every word and phrase outside your scope saving the definition and or understanding to your open document.

http://manybooks.net/

Education doesn't have to come from a classroom nor does it have to be stiff and boring.

Is a Reverse Mortgage a Good or Bad Idea?

Is a Reverse Mortgage a Good or Bad Idea? Positives & Downsides Compared
Is a reverse mortgage right for you? It’s important to understand all of the factors involved with taking out one of these loans. Like anything else, there are pros and cons.

Want to learn more? Click here to get free information about a reverse mortgage!

Pros of Reverse Mortgages
Access home equity. You are able to access your home equity, likely a substantial portion of your wealth, without having to leave your home.
Remain in your home. As long as you keep your loan in good standing, you may remain in the home for as long as you live.
Defer payments. You can defer payments until you leave the home or pass away.
Flexibility. The Home Equity Conversion Mortgage (HECM) program is extremely flexible in terms of withdrawing the proceeds of your loan.
Line of credit. HECM’s credit line option can be incredibly attractive, as an unused credit line will grow over time.
Pay off debt. It can be useful for paying off a mortgage or expensive consumer debt.
Limit on what you owe. Neither you nor your heirs will ever owe more than the home is worth.
Cons of a Reverse Mortgages
Can be expensive. Though closing costs are typically financing into the loan, you may end up using up between $5,000 to $10,000 of your home equity immediately.
Choices to make with complex tradeoffs. Though you will have help from a HECM counselor and hopefully other advisors, you will need to make a complicated decision.
Use up your home equity. In many cases, you will end up using up a large portion of your home equity, both in the cash you withdraw and the interest that accrues over time. This will leave you with less wealth moving forward, and it will reduce the inheritance that you can leave.
Move out and the loan becomes due. If you need to stay in a nursing home or an assisted living facility for over a year, the loan becomes due.
Risk of foreclosure. Borrowers who do not keep the house in good repair or fall behind on tax and insurance payments face the risk of foreclosure.
HECM Risks
The Consumer Financial Protection Bureau identified five key risks to obtaining a HECM loan. These risks are covered in more detail on other pages of this website, but this should give you a strong foundation of what could go wrong.

The key risks are:

Moving becomes difficult. A senior may eventually need to move out of the home, even if this is not his or her preference. This often occurs due to health reasons when the senior must enter a nursing home, assisted living facility, or to move in with a family member who will become a caregiver. Other times, it is because the senior can no longer afford to pay for taxes, insurance, and basic maintenance. By that time, the senior may have no home equity left to finance the move. This risk is especially severe for borrowers in their 60s.
Postponing the inevitable. For many seniors who have limited savings and retirement funds, using a HECM simply postpones the inevitable – needing to leave the home – while eating away valuable home equity.
Ignoring better options. Some seniors would be better served using a HELOC or a traditional home loan for short term cash needs.
Bad investments. Those who take a large lump sum are at risk of reinvesting the money at a lesser return than the interest on the HECM. These seniors are also a more likely target for fraud and various scams.
Problems for family. Anyone who lives in a senior’s home that is not named on a reverse loan will need to either move or pay off the loan when the borrower dies or moves out of the residence. Many borrowers and their family members do not understand this risk and do not adequately prepare. In fact, this very issue has made the news when a non-borrowing spouse was forced to move following the death of a borrowing spouse.
Unique Benefits
That said, there are very attractive features to a HECM, especially if the borrower chooses the line of credit option to withdraw his or her funds. In an article in the Journal of Financial Planning, financial planners John Salter, Shawn Pfeiffer, and Harold Evensky identify the following benefits to taking out a reverse mortgage, most of which come down to flexibility:

Credit line. The borrower has full control over use of the line of credit, deciding when, and even if, it gets used.
Flexibility. The borrower may choose to pay back the loan at any time to preserve home equity or never pay back the loan as long as the senior remains in the home.
Tax benefits. The proceeds of a reverse mortgage are tax-free, and if the borrower chooses to repay the loan, the interest could be tax deductible.
More powering power. A credit line grows over time at the interest rate on the loan. This means that your borrowing power actually grows over time.
Non-recource. HECMs are non-recourse loans. Though the balance of a reverse mortgage can rise above the value of the home, you can never owe more than your home is worth.
Additionally, a credit line from a HECM reverse mortgage cannot be canceled, which can happen with a home equity line of credit and did happen during the last financial crisis.

https://reversemortgagealert.org/pros-and-cons/

Monday, July 9, 2018

Coach should be hung

What was the purpose of taking "kids" a mile & a half into a friggin cave?

https://www.bbc.com/news/world-asia-44772783

I have a conflict

I build weaponized drones but as you know, this is illegal in the US. There's a solution. I can build you a weaponized drone minus the weapon and all I would need is the make and model of the weapon you wish to mount.
With that information I can purchase a replica to complete the task legally. I can then ship the finished product anywhere in the world and once again, legally.
If you have an interest, contact me.