Wednesday, December 26, 2007

Will the court’s ruling against Olint set precedent for other investment clubs?

The precedent on an issue is the collective body of judicially announced principles that a court should consider when interpreting the law. When a precedent establishes an important legal principle, or represents new or changed law on a particular issue, that precedent is often known as a landmark decision. Precedent is central to legal analysis and rulings in common law countries like the United States law. In some systems precedent is not binding but is taken into account by the courts.
On Monday afternoon in the Caribbean Island of Jamaica, Investment club Olint lost its appeal in the case it brought against the FSC in the Supreme Court. Supreme Court judge, Justice Norma McIntosh, ruled in favor of the FSC. The court also dismissed the appeal of Neil Lewis and Janice Lewis of LewFam Investments, who were also having their appeal heard against the cease-and-desist orders issued by the FSC last year.
Deputy Director of the Financial Services Commission (FSC), George Roper, says this week's court ruling against two investment clubs will have significant implications for the financial sector.
Olint had obtained an order from the Supreme Court-which allowed it to continue its business with the existing members until the court made a ruling in the matter. In its appeal, the investment club contended that there was no need for it to be regulated as it did not deal in securities, but strictly in foreign exchange. See full article at

Wednesday, December 12, 2007

Church members involved with OLINT and other groups

A number of Church leaders across the island of Jamaica met to discuss their members' involvement in high-risk investment schemes.

Pastors met in order to discuss the issue which has become widespread among a number of Christians. During the discussion it was mentioned that some of their parishioners traded with OLINT and other groups but later decided to trade for themselves. The group has since expanded to include other ventures.

It was also stated that similar schemes are owned and run by the Church namely FE One, which according to a minister the company is a retail trading entity and not an investment scheme. A Bishop present used the following definition for gambling: "Gambling is when you put your money at risk to win at the expense of others". He further went on to state that forex trading happens every day and the risk can be reduced.

The church community is against the idea of casino gambling in Jamaica. They are concerned about the social implications casino gambling could have as it could bring in criminal activities on the island. This is very interesting. Can you separate foreign exchange trading activities from gambling?

When you bet on a currency going higher relative to the other, someone has to be betting in the other direction. The money you gain has to be a lost to someone else in order for you to benefit.
The major issue among church groups is whether it is ethical to be involved in these schemes that are seen as gambling by some. What’s your opinion?

List of Alternative Investment, some paying 10% or more per month.
1.Lew Fam Club/2. Olint Club/.3. F1investments/.4. CashPlus Investments/5. Visions Increase World Wise/10. Advance Investment Finanzas Forex Eng/12. Capital Hill Fx A3Union ../14. Kingdom Investments International Unlimited/15. CAREIF Ltd. :: Home/
Warren Buffet, Berkshire's CEO is the most successful money manager in recorded history. The average annual return for the fund since 1990 has been 18.8%, which is almost twice the long-term average annual return of the Standard & Poor's 500 stock index. Big returns, such as a 57.4% and 52.2% gains in 1994 and 1998, helped power the stock. The biggest loss during that period was a 19.9% drop in 1999, as investors went tech crazy.Berkshire's Class A shares sell for over $150,000 as of December 7, 2007, making them the highest-priced shares on the New York Stock Exchange, in part because they have never had a stock split. Shares closed over $100,000 for the first time October 23, 2006. [1]Yet, some of the above mentioned schemes are paying 10 or more percent per month. A return of 10 per cent per month works out to be about 314 per cent a year. This is over 16 times Warren Buffet's historical average.

Friday, November 2, 2007

Rumor regarding Olint

The word “accountable” is defined in Webster’s New Collegiate Dictionary as, “subject to giving an account; answerable.” In this context, Webster’s Dictionary defines, “account” as, “to furnish a justifying explanation.” Taken literally, the application of this definition to a believer’s life will require them to furnish justification for their lives and actions to another mortal human being. Yikes! This is how the Catholic Inquisition began!
Across America, a large percentage of pastors and church leaders instruct their church members that each and every individual is commanded BY God, in the Bible, to be “accountable” to a pastor and to a local church of their choice.
Each individual Christian man or woman should be, “in submission to a pastor,” to whom he or she is spiritually, “accountable.”
Investment clubs and other schemes that exist in the Caribbean should be accountable to their members/investors. Most claim to be involved in FX trading, paying 10 or more per cent per month to investors.
Outgoing executive director of Jamaica’s Financial Services Commission, Brian Wynter is not a believer. “You shouldn't have to guess what your money is doing.” And that is what Wynter says concerns him the most. "You should not have to speculate and guess what your money is doing. The basic principle of investing is to have full disclosure to investors so that they can make informed decisions." He also noted that he wanted to put to rest the persistent rumor regarding Olint. "I did not run David Smith out of the country. We issued a cease and desist order. That is all."
And as to Cash Plus, Wynter noted, "In May we issued a public notice against Cash Plus. Cash Plus then applied for a declaratory judgment that what they do doesn't come under the FSC Act. They joined us in the suit. The case went before the judge and we expect it to go to trial in December. There has not been any other action against Cash Plus."
Wynter would not comment on rumors that his organization plans to raid or take legal action against any of the alternative investment schemes operating in the country. He did note that, "Personally, I am skeptical. I don't believe that these entities can sustain ably deliver these returns." See full Article at Jamaica’s Financial Service Commissioner Brian Winter FSC (p)
In Conclusion
An investment club needs to run smoothly with a great amount of reliability and confidence among its members. When all members of the club expect and meet the same requirements everyone works together in a way that induces success and, hopefully, some profitability. It will be very important that the investment club have checkpoints in place that account for all investments, profits, losses, and other money issues. These checkpoints should be readily available for all members of the club to read at a point in time.
Investors should demand more accountability from operations like the ones mentioned in previous articles, they should insist on access to financial statements to track the performance of the company and the management of their funds. Any investor with their money at stake should want to know this.

Friday, October 12, 2007

Foreign Currency Trading In The Caribbean

Foreign currency trading has elicited much excitement in Jamaica with David Smith's OLINT promising an average returns of 10 per cent a month. Many people have done well out of it and OLINT has taken away business from the formal banking sector.
Recently, investment clubs and other schemes have been surfacing in the Caribbean. Most claim to be involved in FX trading, paying 10 or more per cent per month to investors. The sustainability of any financial institution of the kinds like LewFam, Olint F1investments Cash Plus , Vision Increase West , May Daisy , Minivestment, Higgins Warner and WorldWise depends heavily on their openness about their business and the confidence the investing public has in their ability to maintain their payments of 10 or more per cent per month on money from its lenders/depositors.
There are a number of good books on Forex trading and a number of legitimate course on Forex trading on .available sites like e-bay, Amazon etc. I have a friend who is trading on the forex market. He paid around $200.00 for a course and a monthly subscription fee of around $100.00 and he is making money.
Again, beware of any company wanting to charge large amounts to take a Forex trading course. There are also numerous online brokerage houses that will allow you to set up a practice account and try trading in real time with practice money. The moral of the story is do your homework research, research, research!

Friday, October 5, 2007

Cash Plus and Olint

What do you think about companies such as Cash Plus and investment club Olint?
CASH PLUS: In recent times, much has been heard about Cash Plus (,) the company which promises 10 per cent per month on deposits. The company accepts 'deposits' from a minimum of J$100,000.Cash Plus has rarely been outside of the spotlight of the media, what with its full-page ads on its upscale housing developments featuring units costing close to US$1 million. Quite apart from asking whether anyone 'normal' can afford to purchase a house for J$67 million, some persons, while being impressed with Cash Plus and its rapid and aggressive growth in all aspects of business in Jamaica. Is the activity at Cash Plus sustainable?Whatever prejudgments one may harbor about Cash Plus, one important factor seems to be obvious.
With close to 2,000 persons on its payroll, 12 major subsidiaries involved in phone card distribution, telecommunications (Megaphone), development and construction, food, security services, import-export, computers, hotels and restaurants, automobile and auto parts, Cash Plus has become a major player in the corporate world after only five years since the concept came to Carlos Hill, chairman and CEO.

OLINT: According to industry insiders, Mr. David Smith, proprietor of OLINT Corporation ( has for some time been providing high net worth Jamaicans with exceptionally high returns on their US dollars investments. "David has been giving up to a 14 per cent return per month and a 147 per cent return per annum," a source said, "Plus there is no minimum limit on the amount of money you can invest." This is in an environment where brokerage houses are giving up to 7.5 per cent per annum on amounts locked in for two years or more, Mr. Smith has clearly filled a gap.
Mr. Smith does not solicit money. He is simply given money by individuals attracted by the high interest rates. This money is then deposited in a Panamanian bank and used to make money for the investors.
According to website at Smith a licensed representative at JMMB he specialized in international FX trading where his career was guided by Julian Mair and Keith Duncan. In his ten year career he spent seven at JMMB honing his craft.
He branched out on his own forming a club where a few friends would trade foreign currencies. The word got around and the club grew making handsome returns of as much as 15 per cent a month for members.
Smith decided to apply his skills and helped people from all walks of life, the testimonials are many and members are happy with both their returns and the way Smith has conducted himself.At this point in time the club is not taking anymore members. David Smith has made it clear that he has never solicited people and that he traded foreign currencies not securities for club members. Also at no time did he offer investment advice. He conducted trades on a currency-trading platform with the daily trading activity running to US$1.9- trillion.

I came across this article on FOREX trading titled:
Best Home Business – Raising Cash an Easy Way to Fund your Business Now
Monica Hendrix
If you don’t have much capital and you want more here is an easy way to do it. If you have $500.00 how would you like to fund your business with $100,000. Sounds too good to be true Its not here’s how. If you open an online forex account and deposit $500.00 they will let you leverage this money 200:1 200 x 500 = $100,000 so you can increase your profit potentialHANG ON I CAN’T DO THAT!

You may never have considered forex trading as a business before - but it’s easy to learn and easy to raise capital for – if you have never considered it - check these advantages and you will change your mind:

- Anyone can learn forex trading – no college education required!- You can trade in an hour an day or less.

- You only need a computer, internet connection and a few hundred dollars.

- No staff, stock or heavy overhead.

- Work from the comfort of your own home and take breaks as you wish.- Huge profit potential with leverage.

- There is never a recession as one currency falls another is rising meaning there are constant opportunities for profit.

- You don’t need to market your business there is always someone to buy and sell with.

Leverage is the key to this business as it gives you the opportunity to make money fast.

Of course, it’s a double edged sword and can cause losses. However, if you run it as a business and cut your losses and run your profits you can leverage your money and build real wealth quickly. Can You Read A Graph? If you can read a graph you can trade currencies

– Take a look at any chart and you will see trends up and down and many chart patterns repeat. Your aim is to spot them and lock in and run the big trends. This is called technical analysis and with a little practice anyone can do it

– you just need to do your homework. The only thing that will stop you doing this business is if you lack desire and work rate

– if you do don’t bother trying it because it does require effort but the rewards to the effort can be life changing. Do You Have Desire You don’t need a college education

– you need a burning desire to succeed and the discipline to follow a plan

– if you can do this, you can learn to be a currency trader

A Story to Inspire You!

Just to show everything about trading could be learned, legendary trader Richard Dennis taught a group of 14 people, of diverse backgrounds and ages, to trade, none had any previous trading experience – the result?They made him a $100.00 and he taught them in just 14 days! This proves the point that anyone with the right attitude and knowledge can succeed. Ok, you may not become as famous or as rich as this group - but the door is open in this business to anyone – so why not youThink about. Would you rather do the above or try affiliate deals or Google ad word businesses that pay dimes. This business is one where you can get going quickly you only need a small capital base and you can leverage your money.

Sure it’s a challenge – the question is are you up for it?

List of Alternative Investment, some paying 10% or more per month.

1.Lew Fam Club/2. Olint Club/.3. F1investments/.4. CashPlus Investments/5. Visions Increase World Wise/10. Advance Investment Finanzas Forex Eng/12. Capital Hill Fx A3Union ../14. Kingdom Investments International Unlimited/15. CAREIF Ltd. :: Home/
Warren Buffet, Berkshire's CEO is the most successful money manager in recorded history. The average annual return for the fund since 1990 has been 18.8%, which is almost twice the long-term average annual return of the Standard & Poor's 500 stock index. Big returns, such as a 57.4% and 52.2% gains in 1994 and 1998, helped power the stock. The biggest loss during that period was a 19.9% drop in 1999, as investors went tech crazy.Berkshire's Class A shares sell for over $150,000 as of December 7, 2007, making them the highest-priced shares on the New York Stock Exchange, in part because they have never had a stock split. Shares closed over $100,000 for the first time October 23, 2006. [1]Yet, some of the above mentioned schemes are paying 10 or more percent per month. A return of 10 per cent per month works out to be about 314 per cent a year. This is over 16 times Warren Buffet's historical average.

Thursday, September 6, 2007

Gethsemane Experiences

My meditation this week focused on how our Lord suffered alone after the apostles had fallen asleep in the Garden of Gethsemane. From my own experiences, I have come to believe that in many instances others cannot respond, and perhaps should not. This is not to imply that others cannot give us help when needed, or that they lack training in their professional roles. Many I have gone to for help have been of great assistance including my Southeast Regional Director and his wife.
Nevertheless, there are those moments when God would rather have us lean on and learn from Him. This has proven true in my own experience and for other individuals as well. Gethsemane has names such as death, failure, loneliness, illness or losses. However, God wants us to see it as Gethsemane and remember that it was at Gethsemane where your pain and questions were transformed into growth and glory through supernatural strength through prayer and the presence of God.

Friday, August 31, 2007


John MacArthur wrote, “If you want to know how user-friendly a church has become, the emphasis, or de-emphasis, on biblical preaching is the yardstick. A church that buys into the new paradigm sidelines provocative and convicting sermons for music, skits, or videos– less confrontational mediums for conveying the message. Even when there is a sermon, it is frequently psychological and motivational rather than biblical. Above all, entertainment value and user-friendliness are paramount.”
It is said that Dr. J. Wilbur Chapman told of a distinguished minister, Dr. Howard, from Australia who preached very strongly on the subject of sin. After the service, one of the church officers came to counsel with him in the study. "Dr. Howard," he said, "we don't want you to talk as openly as you do about man's guilt and corruption, because if our boys and girls hear you discussing that subject they will more easily become sinners. Call it a mistake if you will, but do not speak so plainly about sin. "The minister took down a small bottle and showing it to the visitor and said, "You see that label? It says strychnine -- and underneath in bold, red letters the word 'Poison!' Do you know, man, what you are asking me to do? You are suggesting that I change the label. Suppose I do, and paste over it the words, 'Essence of Peppermint'; don't you see what might happen? Someone would use it, not knowing the danger involved, and would certainly die. So it is, too, with the matter of sin. The milder you make your label, the more dangerous you make your poison!"

Wednesday, August 29, 2007

Testing the faith

Christians are called to labour in a unique way for the Lord, but are we sensitive to His calling, or are we too concerned only with our own affairs? Giving out Gospel tracts becomes a federal case: 67-year-old man jailed 2 days for violating 'parade' ordinance - WorldNetDaily

Thursday, August 23, 2007

Pressured to cover up

When the weather warms up, the clothing at church gets skimpier. Pop stars that visit Muslim-majority Malaysia are facing growing pressure to keep skimpy outfits and steamy dance moves off the stage during their concerts. Malaysia’s government guidelines for public performances require a female artist to cover up from the top of her chest to her knees, including her shoulders.
Modesty is a natural tendency to guard what is most personal and demands a delicate education. Modesty is not the result of social conditioning we do not have to be liberated from it. By teaching our children not to be dishonest we are not in any way restricting their freedom or traumatizing them. We are helping them to learn right from wrong. In the same way a child needs to be educated in modesty."Why can't the Church at least try to reclaim modesty as a virtue? I came across an article by Barbara Kay; she expressed exactly how I feel about the issue.

Wednesday, August 22, 2007

Florida's School Systems

National studies show that parental and community involvement alone cannot turn around a school system. That requires an effective corps of teachers, principals and other leaders.
A new pay-for-performance program for Florida's teachers, which tied raises and bonuses directly to pupils’ standardized-test scores, was introduced last year.
Teachers unions and some education experts say any effort to evaluate teachers exclusively on test-score improvements will not work, because schools are not factories and their output is not so easily measured. An exam, they say, cannot measure how much teachers have inspired students, or whether they have instilled in them a lifelong curiosity. Moreover, some critics say, the explicit profit motive could overshadow teacher-student relationships.
A study by the National Center for Family and Community Connections with Schools, a research group in Texas, noted that school systems with highly involved teachers and parents can expect higher test scores and better behavior. What do you say?

Sunday, August 19, 2007

Hurricane Dean

Fiercely powerful Hurricane Dean strafed Jamaica's southern coast on Sunday, littering the capital of Kingston with fallen trees and windblown roofs. Prime Minister Portia Simpson Miller urged all Jamaicans to unite in the face of this adversity. Jamaica, a country of 4,411 square miles, is 146 miles long and 51 miles wide.
The Commissioner of Police of the Royal Cayman Islands Police Service gives notice of the placement of a curfew for all areas within the islands of Grand Cayman, Cayman Brac and Little Cayman. Grand Cayman, in physical size, is approximately 4 miles wide and 22 miles long. Of the approximately 40,000 people living in the Cayman Islands, nearly 38,500 live in Grand Cayman. The other two islands, Cayman Brac (pop. 1,200) and Little Cayman (pop. 300) are located about 80 miles northeast of Grand Cayman and just five miles from each other.
Pray for those who have been affected by hurricane Dean.

Saturday, August 18, 2007

Faith or laziness

I heard about a man who bought an expensive automobile he couldn't afford because he said the Lord would come before the first payment was due and he wouldn't have to pay anything.
In verse 11 of I Thessalonians 5, Paul specifies the problem. "For we hear that there are some which walk among you disorderly, working not at all, but are busybodies." Some members of the church of Thessalonica were guilty of laziness. They were not working. I think one of the reasons why this kind of problem arose is because some of them mistook the meaning of the second coming of the Lord as an excuse for them to lay aside their labor and not be faithful in their work.
One of the things you will find in the Bible is that the Christian life is a very down-to-earth faith. It is a very down-to-earth way of living your life. It deals with practical matters. It deals with subjects that are very, very important. The Scriptures make it very clear that laziness should never be a part of a Christian's life. A Christian should not be a lazy individual.

Thursday, August 16, 2007

Name it and claim it

In three of the Gospels, Jesus warns that each of his disciples may have to "deny himself" and "take up his Cross." "For what profit is it to a man," he asks, "if he gains the whole world, and loses his own soul?" It is one of the New Testament's hardest teachings, yet generations of church goers have understood that being Christian, on some level, means being ready to sacrifice--money or even their lives. "Prosperity" first blazed to public attention as the drive shaft in the money making machine that was the 1980s televangelism and faded from mainstream view with scandals. But now, after some key modifications, it has not only recovered but is booming.

Wednesday, August 15, 2007

How to Spot a Spiritual Huckster

Because scam artists know the vocabulary to use with Christian people, investors, including pastors get caught into these investments with the intention of raising money for church projects, aiding the poor or for other charitable reasons. How can Christians become “wise as serpents” while remaining “harmless as doves”?

How to Spot a Spiritual Huckster
By Doug Trouten
He says you can make a fortune ... and help God's kingdom at the same time. Problem is, you can't take anything he says to the bank.
Guys like to think they're financially savvy. We may not hunt wild boar, but we still bring home the bacon, and we feel a real man understands T-bills as well as T-birds. But unless you actually work in the field, it's hard to keep up on the ins and outs of investing.
So, when somebody tells us that God has told him or her how to make us rich, it's tempting to believe them. We may even have pure motives, figuring that good investments will let us give more to God's work. Only later when we discover that our Christian financial counselor is living large on our cash do we realize that we've been had by a spiritual huckster…………
continue with "How to Spot a Spiritual Huckster"

Tuesday, August 14, 2007

Will we ever learn

Huge Ponzi scheme alleged
VesCor Capital and owner Val Southwick are the subjects of state and federal investigations, according to documents in federal bankruptcy court and in ... (article attached)

Sunday, August 12, 2007

God Is Not Responsible

I came across this article “God Is Not Responsible” and I thought about Paul’s letter to the Philippians (Read Philippians Chapter 4). Paul begins by saying, "Now Philippians, I want you to understand. Things are not what they seem to be. Imagine a prisoner, soon to be tried for his life, should not only rejoice but encourage others to rejoice.
Paul understood that there is a difference between "joy" and "happiness." A person can be happy and not have real joy. A person can have joy but not really be happy. Happiness depends on circumstances and happenings! If things go well, I can be happy! If things do not go well, there goes my happiness! JOY does not depend on circumstances, JOY depends on the LORD, and He never changes! Even though Paul’s circumstances were terrible (he was a prisoner!), he could rejoice.
We cannot always count on things happening the way we would like them to happen, but we can always count on God being God no matter what happens. Suppose you get in your car to drive to the beach and 10 miles from home you get into a minor accident and end up spending the whole day in the repair shop. Does this mean God has changed? Have God’s promises changed? Is God able to teach you and bless you in the middle of these circumstances?

Friday, August 10, 2007

Have you been to the grocery store lately?

Have you been to the grocery store lately? If you have, you’ve no doubt noticed the cost of food. Wholesale food prices rose nearly 8 percent in the six months ending in June, according to the Bureau of Labor Statistics' Producer Price Index.
Low-income U.S. consumers spend a much greater proportion of their income on food than high-income consumers do. Their large share combined with less flexibility to adjust expenditures in other budget areas means that any increase in food prices will cause hardship.
Consumers have more power than they realise, they really do have the power to send a message all the way through that complicated supply chain. If the message is frequent, loud and consistent enough, then they can actually change practices.

Thursday, August 9, 2007

Just Dreaming

Today, I am dreaming about being a Part time Event Photographers. Although I am employed full time I probably could shoot a few weddings a year on weekends.
But what exactly do they do: Photographers produce and preserve images that paint a picture, tell a story, or record an event such as wedding receptions, parties, galas, fundraisers, and all sorts of celebrations.
How could I break in: Building a good portfolio is essential to landing jobs in this field but since I don’t have training in photography, I probably could take some classes and try to land a job as a photographer’s assistant. I could also develop contacts in the field by subscribing to photographic newsletters and joining a camera club.
What does it pays: $20.00 - $25.00/hour (average salary) not bad for Part time.

Monday, August 6, 2007


A number of Christian groups teach what they call “standards.” Standards, they say, are practical applications of the biblical principles of holiness. Some also suggest that Christian women shouldn’t wear jewelry.
Should Christian women wear make-up or jewelry? Should they care about their physical appearance?

Sunday, August 5, 2007

More black women going for white guys

Not many years ago interracial marriage was illegal in many states. It was locked in prejudicial religious beliefs based on the Bible. The National census data showed 117,000 black wife-white husband couples in 2006, up from 95,000 in 2000. There were just 26,000 such couples in 1960. (See the Article More black women going for white guys )
Some churches have a policy forbidding interracial dating and marriage. Is this policy biblical? Should we have such a policy in the church today?


Today Sunday, August 5, 2007 Pastor Leeroy and Juliette Fagan along with their three children and grandchild from the Cayman Islands visited our church. I have known the Fagan family for over twenty years. I have a lot of good memories of the Cayman Islands. The Memories of relationships stay with us forever.
The origin of this poem is unknown, but I hope that you will be encouraged.

To realize the value of a sister (or Brother): Ask someone who doesn't have one.
To realize the value of ten years: Ask a newly divorced couple.
To realize the value of four years: Ask a graduate.
To realize the value of one year: Ask a student who has failed a final exam.
To realize the value of nine months: Ask a mother who gave birth to a stillborn.
To realize the value of one month: Ask a mother who has given birth to a premature baby.
To realize the value of one week: Ask an editor of a weekly newspaper.
To realize the value of one minute: Ask a person who has missed the train, bus or plane.
To realize the value of one-second: Ask a person who has survived an accident.
Time waits for no one.
Treasure every moment you have.
You will treasure it even more when you can share it with someone special.
To realize the value of a friend or family member: LOSE ONE.

Saturday, August 4, 2007

Life's Lessons

Another e-mail I received on life's lessons.

Lessons life has taught me...
1. Life isn't fair, but it's still good.
2. When in doubt, just take the next small step.
3. Life is too short to waste time hating anyone.
4. Don't take yourself so seriously. No one else does.
5. Pay off your credit cards every month.
6. You don't have to win every argument. Agree to disagree.
7. Cry with someone. It's more healing than crying alone.
8. It's OK to get angry with God. He can take it.
9. Save for retirement starting with your first paycheck.
10. When it comes to chocolate, resistance is futile.
11. Make peace with your past so it won't screw up the present.
12. It's OK to let your children see you cry.
13. Don't compare your life to others'. You have no idea what their journey is all about.
14. If a relationship has to be a secret, you shouldn't be in it.
15. Everything can change in the blink of an eye. But don't worry; God never blinks.
16. Life is too short for long pity parties. Get busy living, or get busy dying.
17. You can get through anything if you stay put in today.
18. A writer writes. If you want to be a writer, write.
19. It's never too late to have a happy childhood. But the second one is up to you and no one else.
20. When it comes to going after what you love in life, don't take no for an answer.
21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special.
22. Over prepare, then go with the flow.
23. Be eccentric now. Don't wait for old age to wear purple.
24. The most important sex organ is the brain.
25. No one is in charge of your happiness except you.
26. Frame every so-called disaster with these words: "In five years, will this matter?"
27. Always choose life.
28. Forgive everyone everything.
29. What other people think of you is none of your business.
30. Time heals almost everything. Give time time.
31. However good or bad a situation is, it will change.
32. Your job won't take care of you when you are sick. Your friends will. Stay in touch.
33. Believe in miracles.
34. God loves you because of who God is, not because of anything you did or didn't do.
35. Whatever doesn't kill you really does make you stronger.
36. Growing old beats the alternative -- dying young.
37. Your children get only one childhood. Make it memorable.
38. Read the Psalms. They cover every human emotion.
39. Get outside every day. Miracles are waiting everywhere.
40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back.
41. Don't audit life. Show up and make the most of it now.
42. Get rid of anything that isn't useful, beautiful or joyful.
43. All that truly matters in the end is that you loved.
44. Envy is a waste of time. You already have all you need.
45. The best is yet to come.
46. No matter how you feel, get up, dress up and show up.
47. Take a deep breath. It calms the mind.
48 If you don't ask, you don't get.
49. Yield.
50. Life isn't tied with a bow, but it's still a gift.

Thursday, August 2, 2007

Cyber banks

Give me the choice between a smiling face and half a percent interest or no smiling face and 5 percent interest and I will select the 5 percent. A cyberbank can operate anywhere in the world, moving digital. Currency or “e-money” from electronic home to electronic home.
The Best Cyberbanks
These online banks are tops for their savings and checking accounts, ease of use and access to funds. From Kiplinger's Personal Finance magazine, February 2007
HSBC Direct
Annual percentage yield: 5.05%
Why it's the best: Quick customer service, an ATM card, a $1 minimum balance and typically one of the highest yields make this online savings account the one to keep.
Direct percentage yield: 4.50%
Why it's simplest: ING Direct's streamlined Web site and four-step application are painless for even a Luddite. With no minimums and no monthly fees, ING Direct set the standard that other online banks follow (or should).
E*Trade Financial
Annual percentage yield: 5.05%
Why it's the best: The most inconvenient aspect of online savings is the lag when you deposit money. It can average up to five days to clear a transaction after the initial deposit. But E*Trade users can access deposits on the same day.
Annual percentage yield: Ranges from 3.25% for balances of less than $10,000 to 4.41% for $100,000 or more.
Why it's the best: EverBank treats checking almost like savings. You need a minimum of $1,500 to open an account and enjoy an introductory rate of 6.01% for the first three months before it goes down to the market rate.
Why it's the best: Interest rates and features change daily. This is a fast way to compare the full range of standard bank offerings as well.

Wednesday, August 1, 2007

Lessons in Life

Someone e-mailed me these words of encouragement that I would like to share with you. See below:
I've learned that we don't have to change friends if we understand that friends change.
I've learned that no matter how good a friend is, they're going to hurt you every once in a while and you must forgive them for that.
I've learned that true friendship continues to grow, even over the longest distance. The same goes for true love.
I've learned that you can do something in an instant that will give you heartache for life.
I've learned that it's taking me a long time to become the person I want to be.
I've learned that you should always leave loved ones with loving words. It may be the last time you see them.
I've learned that you can keep going long after you can't.
I've learned that we are responsible for what we do, no matter how we feel.
I've learned that either you control your attitude or it controls you.
I've learned that regardless of how hot and steamy a relationship is at first, the passion fades and there had better be something else to take its place.
I've learned that heroes are the people who do what has to be done when it needs to be done, regardless of the consequences.
I've learned that money is a lousy way of keeping score.
I've learned that my best friend and I can do anything or nothing and have the best time.
I've learned that sometimes the people you expect to kick you when you're down, will be the ones to help you get back up.
I've learned that sometimes when I'm angry I have the right to be angry, but that doesn't give me the right to be cruel.
I've learned that just because someone doesn't love you the way you want them to doesn't mean they don't love you with all they have.
I've learned that maturity has more to do with what types of experiences you've had and what you've learned from them, and less to do with how many years you have lived.
I've learned that it isn't always enough to be forgiven by others. Sometimes you have to learn to forgive yourself.
I've learned that no matter how bad your heart is broken the world doesn't stop for your grief.
I've learned that our background and circumstances may have influenced who we are, but we are responsible for who we become.
I've learned that just because two people argue, it doesn't mean they don't love each other. And just because they don't argue, it doesn't mean they do love each other.
I've learned that you shouldn't be so eager to find out a secret. It could change your life forever.
I've learned that two people can look at the same thing and see something totally different.
I've learned that your life can be changed in a matter of hours by people who don't even know you.
I've learned that even when you think you have no more to give, when a friend cries out to you, you will find the strength to help.
I've learned that credentials on the wall do not make you a decent human being.
I've learned that the people you care about most in life are sometimes taken from you too soon.

Working hard to live well

The Bureau of Labor Statistics lists 238 job types that it officially qualifies as "blue collar," from masons and aircraft mechanics pulling in close to $30 per hour to baggage porters and bellhops making about one-quarter of that. They combine to provide about 22 million American jobs, or approximately 15% of the workforce.
Those who have developed the skills necessary for the best blue-collar jobs -- largely mechanics, installers and equipment operators -- find they're doing better than the average American, no matter the color of the collar. The average pay for the top 10 blue-color jobs is just over $27 per hour. Figuring 40 hours per week for 52 weeks per year, annual income adds up to $56,347, or 30% more than the U.S. median income of $43,318, according to the Census Bureau. Search job listings on MSN Careers
Top 10 best-paying blue-collar jobs
Public transit attendant $62,088
Longshore equipment operators $58,198
Brickmasters and stonemasons $57,200
Power plant operators $56,472
Locomotive operations $56,347
Aircraft engine mechanics $55,494
Electrical power installers and repairers $55,390
Mining occupations $54,704
Oil well driller $53,227
Telephone line installer/repairer $52,478

Tuesday, July 31, 2007

Financial Privacy

In the USA, identity theft is one of the fastest growing financial crimes. Nearly 10 million Americans fall victim each year. The Identity Theft Resource Center reported in 2005, on average, an ID theft victim of new account and other fraud spent 60 hours resolving problems brought on by ID theft, those victims of existing accounts spent an average of 15 hours resolving problems. A 2003 Federal Trade Commission study found that identity theft also costs U.S. businesses nearly $48 billion annually, and consumers an additional $5 billion per year. A security freeze lets consumers stop thieves from getting credit in their names.
A security freeze locks, or freezes, access to the consumer credit report and credit score. Without this information, a business will not issue new credit to a thief. When the consumer wants to get new credit, he or she uses a PIN to unlock access to the credit file. These states give consumers this important weapon to prevent identity theft:
• For more information on credit freezes by state

Home based jobs

We all want meaningful, legitimate opportunity that provides income and a level of flexibility. I recently came across these websites while doing research on working at home. They are listed below: A call center provider using home-based customer service agents A call center company that provides telephone services nationwide A call center using remote and home-based agents. Requires $30 fee for background check Get certified to be a "at-home-agent." - Be a home-based customer service agent.

Impact of deportation on the Caribbean

If you look at a map of the Caribbean, you'll see the many shapes representing the islands, with the largest islands to the west and the small islands to the east, curving on down to South America and ending with the following islands: Aruba, Bonaire and Curaçao on the west.
The whole formation of islands is referred to as the Antilles, divided into the Greater Antilles and the Lesser Antilles. The Greater Antilles is the Caribbean's largest islands: Cuba, Hispaniola (an island shared by the Dominican Republic and Haiti), Jamaica, and Puerto Rico.
The area is divided into the Eastern and Western Caribbean. The Eastern islands are the same as the Lesser Antilles; the Western Caribbean is the Greater Antilles. The Bahamas, technically not part of the Caribbean shares its azure waters and perpetual summer.
Every island has its own Caribbean spirit; their cultures borrow heavily from their founding fathers. French food fills the air of Martinique, St. Martin, St. Barthelemy, and Guadeloupe. Dutch architecture in Aruba, Bonaire, Curaçao, Saba, Saint Maarten, and Saint Eustatius. Spanish atmosphere in the islands of the Dominican Republic and Puerto Rico. Anguilla, the British Virgin Islands, Montserrat, the Cayman Islands and the Turks and Caicos still operate as British dependencies. Former British colonies are the Bahamas, Antigua and Barbuda, Barbados, Dominica, Grenada, St. Kitts and Nevis, St. Lucia, Trinidad and Tobago, and Jamaica.
The impact of deportations on the Caribbean has been so adverse that CARICOM leaders were forced to put it on the front burner when they met with U.S. President George W. Bush, Secretary of State Condoleezza Rice, and congressional leaders, including the Congressional Black Caucus, during last month's Conference on the Caribbean in Washington.
Each year, thousands of convicted felons are returned from the United States, and while the vast majority may have been stripped of their material possessions, for many, their propensity to criminality remains intact.
In an analysis of deportation data for Guyana, Jamaica, and Trinidad and Tobago, a recent CARICOM study found that almost 30,000 criminal offenders had been deported to those islands between 1990 and 2005.
Criminal deportation constitutes a real threat to the security of the region, and to take actions that remain true to this nation’s ideal of enhancing global security by shifting the burden of maintaining security to countries that are least equipped to do so is not wise.

Sunday, July 29, 2007

Free on the Internet

If you're like me, you are always on the prowl for ways to reduce your budget, so many things are available for free on the Internet, software, books, utilities for your computer, games you name it. So, here's a list of some useful things that won't cost you a cent:
Free - 411
1-800-411-SAVE > How it works Google Voice Local Search Free 411 - 1-800-FREE411 - Free directory assistance
Free - Audio Books Free Audio & Video - Free Audio Books, Lectures, & Speeches on MP3 Download and Streaming Video Gutenberg:The Audio Books Project - Gutenberg AudioFile, the Magazine for People Who Love Audiobooks The Spoken Alexandria Project - Free Audio from... Simply Audiobooks - Free_Book_Download Main Page - Gutenberg OTR.Network Library (The Old Time Radio Network) LibriVox The Online Books Page LibriVox Hour One: Encyclopedia of Life / Digital Libraries
Free - Audio Download
Digital Media Locator - Powered by OverDrive Grooveshark Audio freeware for mac and pc The Traders' Den Mercora - Music Search and Internet Radio Network : 1 Million Free and Legal Music Tracks - Free Music Radio Paradise - eclectic online rock radio betterPropaganda - Free MP3s and music videos. Internet Archive: Live Music Archive Free Music List December 2005 ? gHacks tech news Stanford on iTunes U LibriVox Catalog Pages - Free Downloads :: 1.FM :: The Music Starts Here :: Home Page Music links - free and legal music ibiblio - Black History Month
Free - Books
The Online Books Page Free e-books Best Places to Get Free Books - The Ultimate Guide Best Places to Get Free Books - The Ultimate Guide Main Page - Gutenberg A P R E S S . C O M Great Books Online -- Encyclopedi... - Thousands of Full-Text Free Books - Free eBooks for your PDA, iPod, or eBook Reader
Free - Conference Calls
Conference Call Services, Conference Calling Service - AT Conference Conference Call Services & Web conferencing with Powwownow ? the conference calling company Free Conference Call, Phone Conferencing, Teleconferences - Yugma : FREE Web Conferencing, Online Meetings and Web Collaboration: home PC World - PC World Downloads - Raindance Meeti... Foonz - Free Conference Calls and Group Calls TalkShoe voice talk shows and discussion groups - Talkcasts - Free Telephone Conference ... VSee Free Conference Calling: Conference Call Services Free from LiveOffice Conferencing Raindance : Web Conferencing, Web Meetings & Internet Video Conferencing
Free - Education
Free Education MIT OpenCourseWare OCW Home OpenCourseWare Consortium: Use Wikiversity:Main Page - Wikiversity OpenCourseWare Finder
Free - Images
Royalty Free Stock Photos at Free Clipart, Clipart - your source for free photos BubbleShare - Easy Photo Sharing - Create a Slideshow and add to your MySpace Profile or Blog Yotophoto Find free photos... fast! Public Domain images optimized for word processors at WPClipart Open Clip Art Library Drawing Together Pixenate - Online Photo Editor Official Seal Generator McKenna Gallery - Page 1 Norman Koren photography: images and tutorials
Free - eBooks Free ebooks - Free eBay Information eBookSpyder
Free Tutorials - PC Painting
Project Dogwaffle 1.2 - the Free PC Paint and Animation Program for prople who love to draw, sketch, animate and paint: digital painting, animation, special effects, filters, plugins, frames, layers, photoshop(r) alternative, digital painter, custom... IrfanView - Official Homepage - one of the most popular viewers worldwide - Tutorials for Photoshop, Corel DRAW! and Paint Shop Pro
Free Website - Free website, free hosting, free webpage, online photo album, free blog, more! Jimdo - Pages to the People. - Home
Free Wiki
WikiMatrix - Compare them all Main Page - Wikimedia Commons Welcome to Wikispaces - Wikis for Everyone FreewareWiki - freeware & free info - A place to look for great freeware, c...
Download Squad Free Files For All - Home Audio Video Edition: Specially Selected Free and Open Source Software Audio/Video ngo-in-a-box The OSSwin project: Open Source for Windows! Tech Support Alert's best tech support sites on the Web freeware software Sam Francke Best Freeware downloads and tips at TOPFREEWARE.NET Freeware World Team - FWT Freeware downloads - Free software downloads for Windows Ubbi Downloads SiTE 4 Sore Eyes Freeware Rareware Top Drawer Downloads - - Software Downloads Self Help Game Giveaway of the Day Freeware Home - Free Software Downloads CamStudio Download Products The Great Software List S4SEs Free Software Resources Karen's Power Tools XnView Jumbo: Free & Shareware MP3 files, Games, Screen Savers & Computer Software eConsultant : Ultimate Web Developer Lists, Web 2.0 Directory, Technical Tips and Lists The Best of Free Software FreeSerifSoftware - free software downloads Open Source Alternative - Find Open Source Alternatives to commercial software CastleCops? - Total Uninstall - track and undo system changes Last Freeware version: jv16 Powertools, RegCleaner, PowerArchiver, PopCorn Welcome - TheOpenCD Filebasket - Welcome 83 Resources on Open Source Applications for Windows - Listible! DirFile: Freeware Software Downloads FREEWARE GUIDE - Your Guide to the Best Free Software and Freeware Sites! Free Downloads Center - software and free game downloads Son Of Spy's Software Index Totalidea Software: Tweak Windows Vista - Windows Vista Tweaks - TweakVI - Tweak-VI - Tweak-Vista - TweakVista - TweakXP - Tweak-XP - Tweak XP - Registry - Regedit - Windows Tuning - Windows XP - Windows Vista - Tweaking - Optimize - Tweak - TweakUI... Back Issues of Support Alert/PC Alert newsletter ...refreshing, isn't it? Links Page - The Zjooj Freeware Office Productivity software, Spyware removal and many other software utilities Open Source Windows - Free, Open-Source software for Windows Freeware Files Bobyte Freeware: We make video editor, video joiner and video splitter software - Download Freeware and Shareware Computer Utilities. DoubleDesktop: double your screen space! The Zjooj Freeware Office Productivity software, Spyware removal and many other software utilities NirSoft - freeware utilities: password recovery, system utilities, desktop utilities StudioLine - Digital Photo Album with Image Editing and Sharing, Web Publishing - Downloads VicMan Software Free Downloads And Products: Image Editor, Email Filter, Anti Red Eye, Red Eye Remover, Digital Imaging Software and Utilities. Giveaway of the Day 31 Resources on Places to find free software - Listible! - Portable software for USB drives Your Digital Life, Anywhere? torcs ? News Free programs and resources for using the web, graphic design, computer security, communications, and exploration. Freeware and Free & Open Source Software for Proprietary OSes LUEM42's COOLSITES links to free fun safe useful informative websites and freeware TinyApps.Org : Home Software - Free downloads encyclopedia - Softpedia Who needs to pirate software with a list like this? - 121Space gHacks tech news Edskes File Download Mirror JoeJoe's freeware utilities - [Home] Google Pack Spacejock Software Open Source software for the enterprise Photobie: free image editor, photo editor, screen capture ( screencapture ), GIF animation, flash, framing, photo viewer, icon editor etc SB-Software Shareware and Freeware Program List Computer :: News :: Tips :: and Hacks: Best Freeware Guide Spacejock Software Most Popular Freeware on GRC.COM Open Source Applications for Windows FSF/UNESCO Free Software Directory 253 Resources on Windows opensource and/or freeware - Listible! Daylight Saving fix for Windows 2000,XP, 2003, and NT (DST Patch/Fix) ALTools PC Utilities - Zip, Unzip, FTP, Movie Player, DVD Player, Picture Viewer, Login Password manager Elm?Download Jans Freeware Collection Free Labs Software FREEWARE LINKS Pricelessware - Alphabetical Index's Absolute Freeware Links - Home nedwolf - Free Software - Windows Freeware Neowin's Freeware Alternative List - Neowin Forums EverythingFree: Home Of Best Freeware software, ebooks, quotations, sms downloads and more eXtropia - the open web technology company Software from! KC Softwares Free software downloads for windows baliganikhil - Softwares - By: B.Nikhil Baliga - The Technology Place for Nonprofits LookSmart's Furl - View Item - OpenSourceCMS - Home News /// AnalogX Freeware Files - Free Software Downloads Top-100 downloads of free software & freeware for Windows XP & Vista brian.arthur.robertson - Free Software FreewareWiki - freeware & free info - A place to look for great freeware, c... Abandonia - Home of abandonware DOS games Bear Bottoms Freeware Products of Two Pilots nedwolf - Best Free Web Applications The Best "FREE" Link Page SHELL EXTENSION CITY, millions of free Windows power tools, explorer enhancements, windows add-ons, tweaks, system utilities, freeware, IE7 Freeware Tools and Utilities for Windows ITerating: Wiki-Based Software Guide Free applications, utilities and software programs WinExtra wandering the wilderness of technology and the Internet Free desktop pc software - Fight the Bull - Download Bullfighter thyant$BF\(Joftware Products 2 PC Geeks Internet Security: Freeware Product Solutions DoverProductions popular programs at MyProgs 195 Resources on The Most Popular Freeware for Windows - Listible! Download and/or Embed YouTube Videos JDMCOX Software
Freeware - 3D Desktop Manager
Downloads - Visual Tooltip
Freeware - Accounting
Open Source Accounting Software GnuCash
Freeware - Anonymous Surfing
Torrify: Torpark Free anonymous email and private email, private label email: Torrify: Professional Privacy for Everyone Anonymizer: free web proxy, CGI proxy list, free anonymizers and the list of web anonymizers list
Freeware - Anti-Rootkit
AVG Anti-Virus and Internet Security - AVG Anti-Rootkit Free Edition Anti Rootkit Software
Freeware - Anti-Spam
Agnitum Spam Terrier, Product Page
Freeware - Anti-Spyware
AVG Free Advisor: AVG Anti-Spyware Free ewido - anti-spyware and anti-malware solutions Free Antivirus Software, Antispyware Software Internet Security Identity Theft Protection Novatix Cyberhawk - Intelligent Behavior-based Security and Protection Anti Malware - Comodo BOClean Free spyware removal and spyware protection - Spyware Terminator X-RayPc Spyware Remover Process Analyzer from XBlock Systems
Freeware - Anti-Virus
ClamWin Free Antivirus. GNU GPL Free Software Open Source Virus and Spyware Scanner. Download Free Windows Antivirus. Stay Virus and Spyware Free with Free Software. - Home
Freeware - Audio Burner
REAPER Download Free Audio Extractor, Extract audio from video, Convert AVI to MP3, WMV to MP3, MPEG to WAV AC3 Easy CD-DA Extractor - Music Converter - Rip & Burn CDs - Convert audio files - The home of Burrrn and Mr QuestionMan ? Burrrn
Freeware - Audio Editor
SoundEditor hymn -- decrypt iTunes and iPod music / unprotect AAC files (m4p --> m4a) GermaniXSoft :: Home of the GX::Transcoder - Home Wave Repair
Freeware - Audio Player
OrangeCD - download record and CD catalog software for your CD collection Download Quintessential Player ? Play, Rip, Manage and Enjoy your music Slim Devices : Support : Downloads
Freeware - Audio Recorder
Audio Recorder for Free EAC - Exact Audio Copy
Freeware - Automate
[ AutoMee ]
Freeware - Backup
FileHamster - A Personal Revision Control Solut... Miray Software -HDClone Cobian's site - The home of Cobian Backup
Freeware - Backup Win drivers
FreewareWiki - freeware & free info / DriverMax
Freeware - Book Collection
Songs Technologies - Bookinfo
Freeware - Boot Disk
Bart's Boot disks Super Grub Disk Webpage Ultimate Boot CD - Overview
Freeware - Broadband Speed
Broadband Speed Test Bandwidth Vista
Freeware - Browser
Epiphany: The web browser for the GNOME desktop Apple - Safari 3 Public Beta Flock ? the social web browser Avant Browser :: Home Maxthon Browser ? Tabbed Internet browser software Swiftfox
Freeware - CRM
Open Source - SugarCRM Plone CMS: Open Source Content Management
Freeware - Calendar
Rainlendar - Home Unforgiven Organizer - The temple of SISTERWARE
Freeware - Chat
Coccinella Jabber client with integrated whiteboard
Freeware - Commercial Detector
Freeware - Crossword Puzzles
EclipseCrossword - download
Freeware - DVD Burn
InfraRecorder free dvd copy cd dvd burner audio data shrink dvd - burn4free freeware DVD Flick ProtectedSoft
Freeware - Database
PostgreSQL: The world's most advanced open source database ORACLE UNVEILS FREE DATABASE ?ORACLE(r) DATABAS...
Freeware - Decrapifier
PC Decrapifier Welcome The PC Decrapifier
Freeware - Defrag
Disk Defrag - Reclaim the Speed Of Your Disks dirms details defrag on the fly JkDefrag v3.15
Freeware - Desktop Publishing
WordPress ? Blog Tool and Weblog Platform Portable Scribus Scribus :: Open Source Desktop Publishing for Linux, Mac OS? X and Windows? Scribus :: Open Source Desktop Publishing for Linux, Mac OS? X and Windows?
Freeware - Diagnostic
Craig's PCI Programs
Freeware - Difference / Merge Text Files
Freeware - Download Manager
Network Downloads : FastCache /// AnalogX Best Download Manager - FlashGet
Freeware - Download Youtube Videos
Download video/videos from YOUTUBE
Freeware - Educational Software
Educational Freeware
Freeware - Email Notification
MSGTAG - MessageTag
Freeware - Emulators
Maximus Arcade - The Seamless Arcade Frontend Solution
Freeware - Explorer
minimalist /// Explorer Breadcrumbs Documentation Last Freeware version: ScramDisk, SpaceMonger, Switch Off, XYplorer
Freeware - File Manager
FreeCommander - freeware file manager File Commander
Freeware - File Searching
Dave's Quick Search Taskbar Toolbar Deskbar Agent Ransack - home Copernic: Software to search, find, and manage information
Freeware - File Transfer
Civil Netizen Official Download Site - A free, personal file transfer program for your large files and folders
Freeware - Firefox
BrowseAtWork :: Firefox Add-ons - Independent Tech Fasterfox - Performance and network tweaks for Firefox. Download videos from Youtube, Google, iFilm, Metacafe, DailyMotion, Music. GTDInbox :: Firefox Add-ons IE Tab :: Firefox Add-ons Clippings :: Firefox Add-ons termBlaster with Firefox :: Firefox Add-ons Bandwidth Tester :: Firefox Add-ons New Firefox Extension: X-Ray Design Meme Home - MozillaZine Forums SpellBound - Spellchecker for Firefox and the Mozilla Suite tLo : Gmail Manager People Search and Public Record Toolbar :: Firefox Add-ons ? Turbo-Charge FireFox with FasterFox ? Blog Archive Alice Hill?s Real Tech News - Independent Tech - Mozilla - Linky WOT :: Firefox Add-ons Mimulus :: Firefox Add-ons Snapper :: Firefox Add-ons Sourceforge Direct Download :: Firefox Add-ons Piggy Bank - SIMILE Hack Attack: Firefox extension packs - Lifehacker - bookmarkshome: index Firefox Extension Development Tutorial :: Overview McAfee SiteAdvisor - Firefox Extension Download CopyAllUrls Mozilla-Firefox Extension ? Firefox Facts Fast Video Download :: Firefox Add-ons Zotero - The Next-Generation Research Tool
Freeware - Firewall
Personal Firewall Reviews Free Firewall comparable with commercial firewalls SSL Certificate Free Firewall Anti Virus Internet Attacks Online Banking File Backup Network Security Solutions Firewall Leak Tester Ashampoo FireWall FREE (1.10, 09/13/2006) - Heavy-duty Protection for Everyone Firewall Leak Tester Free Firewall Download - Kerio Personal Firewall PC Tools Firewall Plus - Free Personal Firewall for Windows Free Personal Firewall Software ( Filseclab Personal Firewall, Free firewall, Open source code Free Firewall Software - Comodo? Firewall Firewall Leak Tester
Freeware - FirstPage
Downloads - Evrsoft
Freeware - Flash Cards
Memorize word Flashcard System Pauker - Flash Card Learning About
Freeware - Fonts
Download Free Fonts
Freeware - FreeMind
Main Page - FreeMind - free mind mapping software
Freeware - GIMP
Gimpshop! at Plastic Bugs
Freeware - GPS
EasyGPS - FREE GPS Software for your Garmin, Magellan, or Lowrance GPS
Freeware - Games
Windows Marketplace: Game Downloads Game Maker Games Unification Wars Official Website ... Free Online Web Games ... Massive Online Strategy Games (Game Server 0) Hikoza'n-CHI X - Games Cloud Game Caiman free games: Galaxiga by eikon. XP Games BZFlag - home Games Open Source games for Windows! Sharpshooters Miniature Golf and Dead Eye Golf - 2 free golf games Tux Racer '' - Cubex Digital Entertainment Games Blackrat Studios- Home of the Rat Astro Battle-Build your Space Ship and Blast your Friends Online Download Free Games - Play Over 303 Game Downloads! FreeGamesNews FlightGear Flight Simulator Free games: Download over 400 DOS games. Shareware and freeware, reviews, help getting games working! DOS Games Archive: download free MS-DOS games ReversiFlex GNU Backgammon X-Moto Gratis gaming: real PC games you can download for free - CNET reviews [ c h r o m i u m B.S.U. ]
Freeware - HD Clone
Miray Software -HDClone
Freeware - HTML Editor
Free HTML Editor, Visual Web Page Editor: PageBreeze Freeware Wojanware - WYSIWYG HTML EDITOR - Main Screenshots - editor PSPad - free HTML editor, PHP editor, XHTML, JavaScript, ASP, Perl, C , HEX editor
Freeware - Home Design
Envisioneer Express
Freeware - IM
IMified - Instant Productivity
Freeware - Icons
Crystal Clear - Wikimedia Commons
Freeware - Illustrator
Inkscape. Draw Freely.
Freeware - Image Fixer
Welcome to optikVerve Labs - Home of virtualPhotographer k.galanos - iResize Shrink Pic - Free photo resizer for email, IM, blogging and web galleries
Freeware - Image Software - Image Editing Freeware Download Source
Freeware - Image Viewer
FastStone Image Viewer - Powerful and Intuitive Photo Viewer, Editor and Batch Converter
Freeware - Internet Optimizing - We're alive and tweaking'
Freeware - Internet Research Scout
Internet Research Scout was especially designed for online research and easy way to save information from the Internet
Freeware - MP3 Editor
The GodFather ::.
Freeware - Mac
Macfreewares: Freeware only, for Macintosh and Apple computers
Freeware - Make Music
About H-Lounge - Make Music with Hyperscore
Freeware - Media Center
MEDIAPORTAL - free MediaCenter HTPC Software - Home
Freeware - Media Converter
Any Video Converter is a professional video converter which can convert any format video files and YouTube clips with fast speed and excellent video quality. Media Convert - free and on line - convert and split sound, ringtones, images, docs - MP3 WMV 3GP AMR FLV SWF AMV MOV WMA AVI MPG MP4 DivX MPEG4 iPOD PSP OGG WMA AAC MP4 MPC MMF QCP KAR MIDI REALAUDIO FLAC JPG PSD DOC PDF RTF TXT ODG ODP ODS ODT... FreewareWiki - freeware & free info / MediaConvert
Freeware - Media Player
fusion media player - DVD, Radio Streaming, MPEG, MP3, DivX, WMV Solway's Internet TV and Radio Player Download page
Freeware - Multimedia Player
Freeware - Music Education
GNU Solfege - free ear training software Main...
Freeware - Network Traffic
Last Freeware version: Mailwasher, DDTitle, FolderSizes, TxEdit, EVEREST Home Edition, AIDA32, Network Traffic Monitor
Freeware - Notes
EverNote - Product Downloads
Freeware - Old Ver
old version software - Google Search
Freeware - Old Versions
Old Version Downloads -
Freeware - PC Audit
Belarc Advisor - Free Personal PC Audit
Freeware - PC Care
Advanced WindowsCare Personal IObit - Care For Your PC
Freeware - PC Updates
Freeware - PDF
PDFTools 1.2 - SheelApps Tracker Software Products Ltd - Homepage - Products for End-Users - PDF-XChange Viewer PDF reDirect - The free PDF Creator alternative to pdf995, cutepdf and freepdf FREEWARE GUIDE - Utilities - PDF Omniformat image conversion freeware
Freeware - Paint
Paint.NET - Free Photo Editing Software for Windows
Freeware - Parental Control
TrustFile -a collection of Kid Safe sites... K9 Web Protection - Free Internet Filter and Parental Control Software - Internet Parental Control Tools
Freeware - Partition
Partition Logic
Freeware - Personal Financial
* PLCash
Freeware - Personal Information Managers
Navigate PIMS
Freeware - Phone
SoonR - In Touch Now
Freeware - Process Scanner - The online resource for process information!
Freeware - Program Launcher
Freeware - Project
Open Workbench - Open Source Project Management and Project Scheduling for Windows - Home GanttPV - Open Source Software for Project Management
Freeware - QuickTime Alternative
Final Builds Site
Freeware - RSS
KlipFolio, the Personal Dashboard and Sidebar for Windows
Freeware - Real Alternative :: Download Real Alternative 1.52 : Real Alternative will allow you to play RealMedia files without having to install RealPlayer/RealOne Player
Freeware - Recovery and Repair
Trinity Rescue Kit CPR for your computer
Freeware - Registry
Dial-a-fix - TechWiki Official ToniArts software pages
Freeware - Registry Cleaner
Eusing Free Registry Cleaner: Safely scan and repair registry problems - Spyware FREE. Registry Cleaner Software Downloads at
Freeware - Remote Computer
SkyFex Remote Assistance Service
Freeware - Remote Connect
SkyFex Remote Assistant Free
Freeware - Remove WGA
Firewall Leak Tester
Freeware - Roboform
RoboForm: Password Manager, Form Filler, Password Generator, Fill & Save Forms
Freeware - Sandbox
Sandboxie - Front Page
Freeware - Screen Recorder
Free Screen Recorder - AutoScreenRecorder Free Home
Freeware - ScreenTabs
Stick iWonder Designs
Freeware - Slipstreamer
AutoStreamer 1.0.33 - Neowin Forums
Freeware - Spreadsheets
Download SpeedFan - Access temperature sensor in your computer ajax13 - Welcome to ajax13
Freeware - Startup Monitor
Mike Lin's Home Page Mike Lin's Home Page
Freeware - System Information
PC Wizard SIW - System Information for Windows
Freeware - Text Editor
ConTEXT Programmers Editor - home
Freeware - Text Snippet Paster
PhraseExpress Autotext - Clipboard Utility
Freeware - Text to Voice
DeskBot.Com - FreeVoice: Text-to-Speech and Voice Control Speakonia - CFS-Technologies
Freeware - Text-to-Speech
Text to speech software with Natural Voices-- Free NaturalReader
Freeware - Themes
Patina's Treasures - Desktop Themes & Screen Savers
Freeware - Thinking
ThinkingRock MindMeister - think together Main Page - FreeMind - free mind mapping software
Freeware - Tiny Spell
tinySpell 1.5 - a tiny spell checker for Windows
Freeware - Tutorial
Wink - [Homepage]
Freeware - URL Snooper
URL Snooper - Mouser - Software -
Freeware - USB News The Portable Freeware Collection
Freeware - VPN
SSL-Explorer: The World's First Browser-Based, Open Source SSL VPN
Freeware - Video Converter
Overview-Any DVD Converter for iPod rip DVD movies to iPod, convert DVD movie to iPod video format MPEG-4 (MP4), play movie on iPod.
Freeware - Video Player
Democracy: Internet TV
Freeware - Video Tools
bbMPEG Essential Video Resources MediaCoder - more than a universal audio/video transcoder TMPGEnc Net Wax - [ Homepage ] Welcome to! -
Freeware - Virtual Desktop
Virtual Desktop Toolbox - Features
Freeware - Virtual Index Card - Text Block Writer
Freeware - Visual Studio
Visual Studio Express: Home
Freeware - Volume
List of content-control software - Wikipedia, the free encyclopedia FreewareWiki - freeware & free info / BGone Volumouse - control the sound volume with a wheel mouse Final Builds Site Naomi - freeware internet filter ZSoft Software: Software Details
Freeware - Web Authoring
Nvu - The Complete Web Authoring System for Linux, Macintosh and Windows Software: OpenLaszlo LaszloSystems
Freeware - Web Copy
[object HTMLImageElement] Net Picker download and review - save snippets of web information from SnapFiles
Freeware - Web Design
Open Source Web Design - Download free web design templates.
Freeware - Web Monitor
Web Monitor
Freeware - Windows Utilities
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Would you like an easy, simple and fast way to stay connected to us? Now you can receive news updates, special offers and more through the new Hope Open Bible Church of Orlando toolbar.

Never miss breaking news from us again. The scrollbar will bring you the latest news, conference info and special offers. One click on the toolbar brings you the latest broadcasts.

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Help raise money for Hope Open Bible Church of Orlando. Every time you search the web using the Yahoo search engine on the toolbar and click on a sponsored link, you’re raising money for the ministry.

How does the fund-raising work? Companies pay to advertise on Yahoo through the sponsored links. Every time someone clicks on a sponsored link, the advertiser pays a small fee. And part of that small fee goes to Hope Open Bible Church of Orlando.
Below you can download Hope Open Bible Church of Orlando toolbar completely free for Internet Explorer or Firefox. Step-by-step instructions included.

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