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Monday, October 31, 2011

MedicalConspiracies- Is Chemtrail Barium Contained in Secret STADIS-450 Fuel Additive?



-------- Original Message --------
Subject: Is Chemtrail Barium Contained in Secret STADIS-450 Fuel Additive?
Date: Thu, 27 Oct 2011 12:36:33 -0700 (PDT)
From: carolyn b <carol60905@yahoo.com>




Please watch this video. It's an eye opener, at least, it was 2 me.


http://aircrap.org/chemtrail-barium-contained-secret-stadis-450-fuel-additive/332560/
Carol
 



MedicalConspiracies- Meratol Carb Blocker

Meratol Carb Blocker

Meratol is a brand new weight loss system and a great alternative to pharmaceutical weight loss pills. It provides very quick, safe and effective weight loss with practically no effort from you. Using Meratol you can lose pounds and inches in just a few days...

http://lossweight4all.com/meratol-carb-blocker/

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MedicalConspiracies- Bad dairy products

 

Dear friends,

 

I normally don’t tell everyone when I have a problem with a company, unless there is no recourse, and only after I’ve contacted the company.  However, YOU very likely won’t recognize this problem.  Obviously it is ongoing, and you need to be aware!  I am switching to organic RAW milk only, no more big dairys’ products for me.  I SAW it with my own eyes, and I recognize what it for what it is.   I am disgusted beyone belief.  My letter is below.   Jan

 

Love and blessings, 

 

Jan Slama

Vibrant Energy

http://vibrantenergy.webs.com

Change your energy, change your life!

Your Source for MMS, Diatomaceous Earth and Lugol’s 5% Iodine.

 

“For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.” Ephesians 6:12.

Not by might nor by power, but by My Spirit, Says the Lord almighty.”  Zach. 4:6.

Pray without ceasing, because our only hope for our nation is in God.

 

Dear Western Family,

 

I am so grossed out, I can’t even tell you.  Twice in the past couple of months I have purchased your Half & Half coffee cream, and by the time I got to the end of it a week later (nowhere close to the sell by or pull date), it had turned ROPEY!!!  That’s SO disgusting.  I know what ropey milk means.  I was raised on a farm.  My dad milked cows.   We sold the milk and had to meet standards.  Either you have not met standards, or your standards are too low, or no one cares and passes the milk anyway.  I just want to wretch thinking about it.  GROSS!!!!

 

In case you don’t know what ropey milk is, it comes from MASTITIS, which means udder infection!  It is PUS in the milk.  PUS!!!   I DRANK PUS!!!   It happens when a cows udder is infected, sloughs off the dead bacteria and white cells that fight bacteria and the farmer sells the milk from that infected cow!   And not only are we being fed PUS!!! But besides that, the farmer is infusing the udder with ANTIBIOTICS to heal their cow!  So we are surreptitiously fed ANTIBIOTICS!  GROSS!!!

 

Many of us AVOID antibiotics because we recognize what damage they do to our intestinal tract and digestion.  I haven’t taken an antibiotic in 25 years…until now --  I realize YOU have been feeding them to me!!!  GROSS!!!!  I can’t even tell you how both ANTIBIOTICS AND PUS disgust me.  I don’t have a weak stomach, but I want to wretch just writing this.

 

And MOST customers wouldn’t recognize it, so you get away with it!  But  I know.  And I am going to spread the word.  WESTERN FAMILY dairy products are NOT healthy or safe.  I bought from Fred Meyer’s for a long, long time and have not once had ropey milk.  I switch to your brand which I buy at YOKES and ROSAUERS, and I get ROPEY MILK twice in a couple of months!!! 

 

I am going to notify my email list and friends and family and the groups I belong to.  I will spread the word.  WESTERN FAMILY doesn’t care what they feed to the public.  And I will warn them not to buy from YOKES or ROSAUERS because obviously they don’t have any standards either!

 

You should be ashamed of yourselves.

 

Sincerely so grossed out,

 

Jan Slama

 

P.S.

In case you don’t know what ROPEY milk looks like, you usually spot it only at the bottom of the container as you pour out the last of it—which means you drank and cooked with all of the rest of it!  GROSS!  It looks like slime.  If you don’t watch closely you’d think it is just more milk, but last bit of it sort of “slides” out of the container in a sort of string, or lies at the bottom in sort of a slimy puddle.  It really isn’t obvious, unless you know what it looks like and what to look for.  You could have been drinking this for years and not know it.  It doesn’t have a taste to it or it would be obvious before you see the last bit of the dregs of it.  

 

Copies to

Yokes

Rosauers

My friends and family and groups

 

 

 

 

 

 

 

 

 

 

 

Sunday, October 30, 2011

MedicalConspiracies- Chemtrails and Weather Derivatives

In his paper 'Why in the World Are They Spraying?', journalist
Michael Murphy floats the idea that chemtrails are sprayed in order to
manipulate the weather derivatives market. He may not be too far off
the mark as my humble investigation leads me to many questionable
situations, strange bedfellows and none other than those legends of
corruption and waste, Enron. The thoroughly disgraced and vilified
corporation was one of the founders of the market. Would you put it
past Enron?


Overview:
Weather derivatives are financial instruments (options, futures
and options on futures) anyone can buy that either pay off or don't
pay off according to recorded atmospheric conditions such as
temperature and rainfall. These instruments are mostly traded on the
Chicago Mercantile Exchange (CME). They are also traded on smaller
Over the Counter (OTC) markets. Atmospheric conditions are recorded
and published by authorized organizations.

Although they are available for frost, snowfall, rain, wind speed
and many others, the most common type of weather derivative by far is
based on temperature. According to industry experts, temperature
based weather derivatives account for 75-99% of all weather
derivatives sold.

This is how temperature based weather derivatives work. Indices
take a location's daily average temperature, then a number is
determined by how much that day's average temperature deviates from 65
degrees Fahrenheit (or 18 degrees Celsius outside the U.S.). The
number deduced determines the derivative's value and is usually
aggregated over a period of weeks, months or seasons. Other indices
simply aggregate average daily temperatures. In short, the day's
average temperature determines the derivative's value. You can bet
that temperatures will be above or below the long term daily average
for a particular date or group of dates.

The first weather derivative transactions were conducted over the
counter in 1997 between Willis Group Holdings, Koch Industries, Pxre
Reinsurance Company and Enron. These transactions followed the
deregulation of the energy market in the U.S..

The weather derivatives market was greatly expanded in 1999 when
weather derivatives began trading on the Chicago Mercantile
Exchange.

The Weather Risk Management Association (WRMA) was founded in 1999
as well and is the leading industry association. The founding members
were: Aquila Power Company, Castlebridge Partners, Enron Capital and
Trade Associates, Koch Industries, Southern Company Energy Marketing,
and Swiss RE New Markets.

This year (2011), the WRMA released the results of a survey which
pegs the current global weather derivatives market value at about $12
billion.

USA today says in it's article 'Weather Derivatives Becoming Hot
Commodities' that the largest broker of weather derivatives in the
world is TFS Energy. A man named Kendall Johnson, who is described as
one of the industry's most powerful professionals, states, "Businesses
in the U.S., Japan, London and Amsterdam are the most frequent users
of weather risk management, though companies in emerging markets like
India are beginning to trade weather derivatives."

Other big corporate players include: British Gas, Hess Energy, ABN
Amro, Merrill Lynch, AXA Re, Swiss Re, Koch Energy, RenRe Energy,
Nephila Capital, Munich Re, Speedwell Weather Derivatives, Vyapar
Capital Market Partners, Galileo Weather Risk Management, PCE
Investors / Cumulus, EDF Trading Limited, Risk Solutions
International, E.ON Energy Trading, Mitsui Sumitomo Insurance Company
and Endurance Reinsurance Corporation of America.

As you can see, re-insurers are some of the biggest market
players. Geoffrey Considine, Ph.D. (a high profile weather
derivatives industry insider) writes in his paper 'Introduction to
Weather Derivatives', "There are a number of drivers behind the growth
of the weather derivative market. Primary among these is the
convergence of capital markets with insurance markets."

Swiss Re is a name that comes up repeatedly and just happens to be
the insurer of the World Trade towers at the time of the 9/11
attacks. But, I'm sure that's just a coincidence. Nothing to see
here... move along.


Enron:
By all accounts, Enron concieved and initiated the weather
derivatives market.

According to 'Weather Derivatives' by authors from the London
School of Economics, the Swiss Finance Institute and the University of
Geneva, "...electronic trading platforms have always played an
important role in the development of the market, especially Enron's
platform in the early days."

Enron initiated the weather derivatives market in Europe as well.
According to 'Weather, Finance and Meteorology - forecasting and
derivatives' by Samuel Randalls, "In the UK, the first weather
derivative deal was sold by Enron to Scottish Hydropower who, at that
time, 1998, were taking part in a government pilot scheme for the
privatization and deregulation of energy markets."

About Enron's weather derivatives divison known as 'Enron
Weather', one of the co-authors of the book 'Enron: The Smartest Guys
in the Room', Bethany McLean wrote me that, "A guy named John Sherriff
was pretty instrumental in starting it, but the woman who ran the
business, whose name was Lynda Clemmons, ended up leaving for a
reinsurer - can't remember the name of it - long before Enron's
bankruptcy." Lynda Clemmons now works as an advisor at Vyapar Capital
Market Partners; a big weather derivatives player. John Sherriff is
now the owner of Lake Tahoe Financial.


Market Participants:
The energy sector is the biggest buyer of weather derivatives
because energy companies' bottom lines and cash flows are largely
affected by temperature fluctuations. This is why temperature based
weather derivatives are the most prevalent. Energy companies produce
more power and thus increase cash flows when the weather gets either
hot or cold because people use more air conditioning when it is hot
and more heat when it is cold.

The weather derivatives market was created with the energy sector
in mind. As we have seen, the market was founded by big energy
players, most notably Enron. According to a Chicago Mercantile
Exchange brochure, the 65 degree baseline selected for determining
daily index values was chosen by the energy industry. The terms used
to describe index values are Heating Degree Days (HDD) and Cooling
Degree Days (CDD). Heating Degree Days refer to the number of degrees
Fahrenheit above 65 the average temperature of a Winter's day is.
Cooling Degree Days refer to the number of degrees Fahrenheit below 65
degrees a Summer's day is. It is this way because 65 degrees is about
the temperature where if it is warmer than that, people use more air
conditioning and if it is cooler than that, people tend to use more
heating.

Industry publications claim substantial non-financial or non-
energy sector participation in the weather derivatives market. Of
businesses outside the finance or energy sectors, my investigation
revealed very little participation. It is unrealistic that,
especially in the tough economy we've been having lately, an organizer
of an outdoor event, let's say, would first of all even be aware of
weather derivatives, much less use the time, energy, expertise and
money to buy such things. Businesses outside of finance and energy
usually use more traditional forms of insurance or hedge with
commodities contracts. Weather derivatives are almost entirely an
energy and finance sector market. There is hardly any retail investor
activity here.

Industry publications also often claim that weather derivatives
are used by energy companies only as hedges against unforeseen demand
lapses. If a particular Winter is too warm, for example, an energy
company would not make as much money selling fuel as they would in an
abnormally cold Winter. But, the reasoning goes, if they have
purchased a hedge in the form of weather derivatives, they can make up
those losses. I assert that weather derivatives are traded like any
other Wall Street market. To make a buck, they are traded any way
possible. Enron, the founder of the market is famous for their
trading desk which specialized in arbitrage.

The Bloomberg article 'Hedge Funds Pluck Money From Air in $19
Billion Weather Gamble' had it right. Nowhere in this article will
you see any mention of non-financial or energy sector participation.
In fact, industry professionals are quoted as saying they are,
"...using weather as market intelligence." And that their business
is, "...like playing poker."

Because both weather derivatives and energy futures rise and fall
depending upon temperature, the two markets are related. It is
reasonable to assume that weather derivatives are traded in
conjunction with energy futures.


Conclusions:
Are weather derivatives the reason chemtrails are sprayed? I
don't know. It's very plausible. I believe I have provided here a
great circumstantial case. The errant, singular chemtrail doesn't
support the 'weather derivative market as a cause' thesis because a
lone chemtrail would not have a significant impact on temperature or
any other atmospheric condition. It might be done as a psychological
operation. But, when downtown Phoenix is gridded with chemtrails on
an otherwise clear day, producing a haze which is totally foreign to
that climate, temperature (which drives weather derivative and energy
markets) is probably effected significantly. Does anybody out there
know of a study showing how much influence stratospheric aerosols have
on temperature? After a Google search, I couldn't find one.
Although, I did see some stuff that seemed to suggest that aerosols
can move temperature 2 degrees F or more.

Weather derivatives by themselves are big money gambles. They may
be valuable enough to make it worth putting planes up in the sky
spraying stuff. If you divide last year's total market value ($12
billion) by the number of traded contracts (466,000), you get the
average contract value which is $25,321. A matter of a few degrees on
a given day or group of days could mean hundreds of thousands of
dollars. The current weather derivatives market may not be big enough
to support all chemtrail activity, but if you factor in the related
multi-trillion dollar energy futures markets and energy company
revenues, I don't have much doubt that there is enough to support
it.

The fact that chemtrails are sprayed over mostly urban areas makes
sense if one of the desired effects is manipulated power usage. More
people and therefore more power consumers affected per square mile
means a more efficient operation.

The weather derivatives market and probably other opportunities
were made possible by deregulation of the energy market. Enron
founded the weather derivatives market. Was the Department of Energy
in bed with Enron? I wouldn't doubt it.

The fact that Enron founded the market is very dubious. This is a
company whose accounting firm, Arthur Andersen, shredded more than a
ton of their documents in one day as Enron's chairman Ken Lay told
everybody everything was fine. When Enron CEO Lou Pai's wife found
out about his stripper girlfriend complete with his love child, she
divorced him. Enron's bankruptcy resulted in at least 33 criminal
charges against employees and executives. People suffered under high
power costs inflated by Enron. When Enron and their cronies
intentionally disrupted power service as they were known to do, people
were injured and died. Who knows how many bodies they left? These
guys were not playing patty cakes. These guys ARE the Nazi party.
Have you ever heard of something called 'Operation Paperclip'? If you
like being ripped-off, beaten and murdered, you'll love these guys.
Personally, I'm not into that. I wouldn't put anything past
Enron.


Notes:
-'Weather Products; Managing global weather exposures. Growing
opportunities. Reducing Risks' Chicago Mercantile Exchange brochure
2009
-'Hedge Funds Pluck Money From Air in $19 Billion Weather Gamble' by
Peter Robison, Bloomberg Aug 1, 2007
-'Weather Derivatives Instruments and Pricing Issues' by Financial
Engineering Associates 2000
-'Weather Derivatives' by Pauline Barrieu & Olivier Scaillet, London
School of Economics, Swiss Finance Institute and University of Geneva
2008
-'Want a Weather Forecast? Ask Wall Street' by Alice Gomstyn, Rich
Blake and Dalia Fahmy ABC News 2010
-'Weather derivatives becoming hot commodities' USA today 2008
-'Firing Up the Market for Weather Contracts' by Antoine Gara,
Bloomberg Businessweek 2011
-'OTC weather risk market grows 30% to $2.4bn' by Charlotte Dudley,
EnvironmentalFinance.com 2011
-'Introduction to Weather Derivatives' by Geoffrey Considine, Ph.D.
-'Weather, Finance and Meteorology- forecasting and derivatives' by
Samuel Randalls School of Geography, Earth and Environmental Sciences,
University of Birmingham

WEBSITES:
wrma.org
cmegroup.com/trading/weather

--
To subscribe: MedicalConspiracies-subscribe@googlegroups.com
Alternative Medicine info: http://www.elementsofhealth.webs.com/

"ClayAdvantage" The Gift of Health http://ClayAdvantage.com/
Holistic Store: http://www.holisticenergystore.com/

Information here in is for educational purpose only; it may be news related,
speculation or opinion. Consult with a qualified MD before deciding on any course of treatment, especially for serious or life-threatening illnesses.
FDA and FTC have not evaluated or endorsed any message or product from this group. http://www.law.cornell.edu/uscode/17/107.shtml

Saturday, October 29, 2011

Re: MedicalConspiracies- PayPal freezes out other groups, who turn to WePay.com

so let's HEAR it for the 14 states where PayPal can' or doesn't function!
Wm
From: Jan Slama <slama.jan@comcast.net>
To: Jan Slama <slama.jan@comcast.net>
Sent: Friday, October 28, 2011 10:22 PM
Subject: MedicalConspiracies- PayPal freezes out other groups, who turn to WePay.com

Excuse me if this is off topic, but I thought our group members might be interested.
 
PayPal freezes out other groups, who turn to WePay.com
 
http://www.sfbg.com/politics/2010/08/13/paypal-freezes-out-other-groups-who-turn-wepay-updated  
PayPal has lost customers and credibility after freezing the accounts of Burning Man's Temple Flux
<http://www.sfbg.com/politics/2010/08/10/paypal-freezes-finances-burning-mans-temple-crew-updated>  - a story we broke this week that triggered an
overwhelming response that caused the company to back down
<http://www.sfbg.com/politics/2010/08/11/paypal-releases-burning-man-temple-
funds>  - with many of them flocking to the more community-based
funds> alternative WePay.com <https://www.wepay.com/> .
 
But the publicity has also unearthed even more stories of nonprofit groups getting their assets frozen by PayPal.
 
Groups ranging from the National Association of Injured Workers to Burning Man camps Comfort and Joy and Black Rock Diner tell the Guardian they've recently had their assets frozen without warning by PayPal, a multinational company owned by eBay that reported $2.2 billion in revenue last year and makes its profits mostly from interest and other returns from the money it holds for others.
 
"There was never a time they said this was going to affect our ability to access our funds," Temple of Flux treasurer Colinne Hemrich said of the group's fairly impersonal dealings with PayPal, which froze the group's funds just as it was leaving for the playa to build the project. Under public pressure, the company freed the funds, letting Temple members know "they were doing us a big favor," project manager Catie Magee told us, yet the delay soured these burners and others on PayPal.
 
But smaller groups haven't been so lucky. "It's not on the same scale as the Temple, but proportionately and to us, it's still a really big deal,"
Michael Williams said of his Black Rock Diner camp, which is in final preparations for heading to Burning Man and said PayPal recently froze their account, also because they weren't able to prove their nonprofit status.
 
"It's just people in our camp who have been using PayPal to send us dues, so this is very frustrating," he said. "I'm never going to use PayPal ever again."
Sam Gold, founder of the National Association of Injured Workers, a nonprofit that helps workers navigate the complex system for filing nonprofit claims, has been fighting PayPal for months since it froze the group's account, in the meantime learning more about their business practices <http://www.paypalsucks.com/>  and preparing to file a lawsuit.
 
"There are all sorts of people they're doing this to, thousands and thousands of people...And it's all about collecting interest of their money," Gold said, citing stories on websites such as PayPalSucks.com about how the company falls through the cracks of serious regulation by any government agency and routinely settles legal claims before they grow into larger problems for the company.
 
"PayPal is taking small charitable nonprofits and making them jump through all kinds of hoops and face long delays to get their money. They can get away with it because nobody knows who's supposed to be regulating these guys," Gold said. "I want to see their dirty wash on the public clothesline because only then will [Attorney General] Jerry Brown and the district attorneys take note of this scam."
 
PayPal spokesperson Anuj Nayar, who spoke to the Guardian earlier this week as the company decided to release the Temple funds, couldn't be reached for comment on the latest allegations and told us he couldn't go into detail on why they freeze accounts, saying only "we are under certain regulations."
But he did note that the company has 87 million accounts and moves about
 
$2,600 per second. "When there are issues that come up, we do our best to address them as quickly as possible," he said. That volume of transactions and the difficulty in getting any kind of personal attention from the company (which does not list telephone numbers on its website) is part of the criticism from small groups, and why Rich Aberman (who we reached quickly and easily) says he started WePay (ironically, with funding from PayPal founder Max Lezchin, who Aberman said was concerned that PayPal became too big and impersonal after it was acquired by eBay in 2002).
 
"At this point, PayPal's main business is setting up purchase accounts for online businesses. So they treat all their customers as if they're businesses," Aberman said. "Our ideal customer is a normal person who is collecting money for some project."
 
While Aberman said he understand PayPal trying to protect its interests by making sure its nonprofit clients have filed all the necessary paperwork, the scale of the company makes it difficult to work with groups doing good things and taking in money from people who clearly want to support those groups.
"Since our customers are different, we handle them differently," Aberman said, noting how they simply ask for the Social Security number of a project principal in case any tax issues arise later, rather than freezing a group's assets. "At the end of the day, we're just trying to get people set up as quickly as possible so they can do their thing."
 
UPDATE: PayPal spokesperson Anuj Nayar just responded to my latest inquiry and said, "There are a number of reasons why we may put a hold on an account, particularly concerning 501c3 [nonprofits]." Yet when I asked for specific regulations and agencies that would require all a customer's assets to be frozen -- rather than holding a smaller deposit or simply reporting the information -- he said that he would need to check on that and get back to me. As to whether the company's practices slip through the regulatory cracks, he said the company operates in 36 states and 190 markets and faces regulations in each one.
 
 
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To subscribe: MedicalConspiracies-subscribe@googlegroups.com
Alternative Medicine info: http://www.elementsofhealth.webs.com/
 
"ClayAdvantage" The Gift of Health http://ClayAdvantage.com/
Holistic Store: http://www.holisticenergystore.com/
 
Information here in is for educational purpose only; it may be news related,
speculation or opinion. Consult with a qualified MD before deciding on any course of treatment, especially for serious or life-threatening illnesses.
FDA and FTC have not evaluated or endorsed any message or product from this group. http://www.law.cornell.edu/uscode/17/107.shtml


Friday, October 28, 2011

MedicalConspiracies- Do you need a PayPal Alternative?

Excuse me if this is off topic, but I thought some of our list members might be interested.

 

Are you looking for an alternative to Pay Pal?  I have been.  I keep reading about them freezing accounts for 6 months or a year, with little or no explanation and only releasing funds upon legal recourse.  I’m sick of bullies!  We are bullied too often by govt. and politicians, not to mention business who take our money and then tell us THEIR terms.  I found these listed below.  Maybe one of them will be of help to you.   Of all these, Wepay.com seems to be the closest to PayPal in method of operation.  I am still investigating and haven’t settled on any one of them yet, but thought I’d share info, in case others are looking too.

Love and blessings, 

 

Jan Slama

Vibrant Energy

http://vibrantenergy.webs.com

Change your energy, change your life!

Your Source for MMS, Diatomaceous Earth and Lugol’s 5% Iodine.

 

“For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.” Ephesians 6:12.

Not by might nor by power, but by My Spirit, Says the Lord almighty.”  Zach. 4:6.

Pray without ceasing, because our only hope for our nation is in God.

 

 

  1. Google Checkout (US Only)  I want nothing to do with Google.  Have heard similar reports about them!
  2. DirecPay  out of India.  Call center!
  3. MoneyBookers  In NY.  Soon to become Skrill.  Emailed 9/27. Form email received: will contact me.  But no response as of 10/28
  4. AlertPay  Have a feed back tab on the side of the page.  People are not happy with cust. Service, no credit card issued.
  5. Liberty Reserve  don’t understand this site.  Seems to be a referral service to other money managers.
  6. PayPay
  7. Strictpay  There is a problem with this website's security certificate.
  8. Perfectmoney  can only be paid via bank wire, 3% fee.
  9. Digital River  SWREG.com http://www.swreg.org/pricing/0_percent.htm sent an email requesting an 800 number, replied saying don’t have 800#.  Great help there.  They do SOFTWARE only.  Not products.
  10. 2Checkout.com  877-294-0273  left mesg.  No info on line on payments, etc. Brandi 877-294-0273 Ext. 181, or Ext. 332 for anyone.  Brandi returned my call, but I wasn’t here.  She left msg.  I”ve called and left two messages since, 9/28, 9/30.  No response. As of 10/28  
  11. TrialPay  lets customers pay for your service or subscription by completing one offer from name-brand companies your service or subscription by completing one offer from name-brand companies
  12. Ebillme.com $10,000,000 per year in sales minimum to do business with them.
  13. payJunction.com   - dissadvantages:  the nightmare of every starter, monthly gateway + statement fees, read below. 800-601-0230  8-5 Pacific M-F.
  14. E-Junkie  we are not a payment processor ourselves, so our service cannot be in place of Google or PayPal.

15.    Propay.com  ProPay JAK Mobile Card Reader not like pay pal.

16.   Wepay.com Sound just like PayPal! 

PayPal. Charges $1.67 on a $35 payment out of country, $1.32 for in USA transaction!

 

I have also posted a semi-detail 10-items that are needed to get an e-Commerce site going at:

http://www.youngentrepreneur.com/forum/f133-the-internet-marketing-discussion-forum/electronic-payment-software-5520.html#post32090

 

1.     I've used both, PayPal and 2Checkout and now have a real merchant account which is far better than both.

Here are the facts I faced:

1) 2Checkout (2C):
My Averall Rating: 3/10
- advantages:
---------- no monthly gateway or statement fee
---------- deposits money automatically into bank account
---------- customer does not need to create account with 2C to pay for your products

- dissadvantages:
---------- hard to get someone on the phone for emergency tech support
---------- setup fee of $49
---------- high per transaction fees of $0.45 + 5.5% (at least it was, check for latest figures)
---------- deposits are made biweekly to your bank account (at least it used to be, check for this)
---------- (this is why I said enough)do not allow you to charge your customers cards, so if your customers call to place orders and provide you with their credit card number over the phone, it is a violation of 2C's policy for you to charge your customers card yourself. Your customers have to be the ones inputing their card numbers.

2) PayPal:
My Averall Rating: 7/10
[B]- advantages:[/B]
---------- FREE and easy to setup
---------- no monthly gateway or statement fee
---------- considerable low per transaction fees ($0.30 + 2.9%, again be sure to check latest) compared to 2C
---------- provides an ATM card

- dissadvantages:
---------- hard to get someone on the phone for emergency tech support
---------- you have to manually instruct it to deposit money into your bank account (I'm not aware of an auto deposit, but you can check)
---------- money takes about 3 days to appear in your bank account, after you manually request the transfer
---------- (this is why I said enough)I was experiencing their system beign down for maintenance around mid night very frequently, so I felt like I could have been losing sales.
---------- Buyers were required to create accounts with tPayPal. Some of my clients would report to me that some of them would not buy because of this, while others reported they would not buy becase they could not remember their PayPal account information for subsequent purchases (we can tell the clients to click on the "forgot password" link, but is still an additional unnecessary step from the store owner's behalf)

I still use paypal to pay certain contractors, but not as my main merchant provider for my e-Commerce sites.

I finally had enough with PayPal and decided to try a real merchant provider and my sales went up almost instantly, inspite of the monthly gateway + statement fees.

My current merchant account provider is:

3) Pay Junction (payJunction.com)
My Averall Rating: 10/10
- advatages:
---------- a real person picks up the phone for tech supports
---------- are willing to accomodate for custom e-commerce programming needs. I developed my own e-commerce system and they worked with me till the end to get it working properly with their system. (I was very satisfied on this end)
---------- you can charge your customers credit cards directly in their secure web-system. I get a lot of orders by phone and when I asked customers for their credit cards, I can then charge it myself (well my staff) and have the order on its way. This is very convenient for customers that do not trust shopping online.

---------- low per transaction fees. It could go below 2% and around $0.10 - $0.20 per transaction if I recall correctly.
---------- customer does not need to create account with 2C to pay for your products
---------- oh, before I forget, they batch the transactions daily so the money is in your bank account usually within 2 days.

- dissadvantages:
---------- the nightmare of every starter, monthly gateway + statement fees, which I don't mind considering that I'm selling more than I was with PayPal and 2C


The verdict:

Of course I also played around with other merchants such as iBill, but these are my top 3. So far my usage is:

- Pay Junction for serious e-commerce business
- PayPal for occasional contractors payment and for those clients that would rather use the monthly fees of a real merchant account for other business expenses or have low sales volume.
- 2Checkout a thing of the passed for me. I'll probably consider it, as a substitute for my PayPal activities, if PayPal goes out of business, which is very unlikely.

There you have it. I hope it helps.

Last edited by jgarifuna; 02-08-2006 at 06:37 PM.

Jorge Garifuna
Professional Web Developer
GariDigital.com - Your Web Solution Partner

 

MedicalConspiracies- PayPal freezes out other groups, who turn to WePay.com

Excuse me if this is off topic, but I thought our group members might be interested.

 

PayPal freezes out other groups, who turn to WePay.com

 

Steven T. Jones <http://www.sfbg.com/category/author/steven-t-jones>   

http://www.sfbg.com/politics/2010/08/13/paypal-freezes-out-other-groups-who-turn-wepay-updated  

PayPal has lost customers and credibility after freezing the accounts of Burning Man's Temple Flux

<http://www.sfbg.com/politics/2010/08/10/paypal-freezes-finances-burning-mans-temple-crew-updated>  - a story we broke this week that triggered an

overwhelming response that caused the company to back down

<http://www.sfbg.com/politics/2010/08/11/paypal-releases-burning-man-temple-

funds>  - with many of them flocking to the more community-based

funds> alternative WePay.com <https://www.wepay.com/> .

 

But the publicity has also unearthed even more stories of nonprofit groups getting their assets frozen by PayPal.

 

Groups ranging from the National Association of Injured Workers to Burning Man camps Comfort and Joy and Black Rock Diner tell the Guardian they've recently had their assets frozen without warning by PayPal, a multinational company owned by eBay that reported $2.2 billion in revenue last year and makes its profits mostly from interest and other returns from the money it holds for others.

 

"There was never a time they said this was going to affect our ability to access our funds," Temple of Flux treasurer Colinne Hemrich said of the group's fairly impersonal dealings with PayPal, which froze the group's funds just as it was leaving for the playa to build the project. Under public pressure, the company freed the funds, letting Temple members know "they were doing us a big favor," project manager Catie Magee told us, yet the delay soured these burners and others on PayPal.

 

But smaller groups haven't been so lucky. "It's not on the same scale as the Temple, but proportionately and to us, it's still a really big deal,"

Michael Williams said of his Black Rock Diner camp, which is in final preparations for heading to Burning Man and said PayPal recently froze their account, also because they weren't able to prove their nonprofit status.

 

"It's just people in our camp who have been using PayPal to send us dues, so this is very frustrating," he said. "I'm never going to use PayPal ever again."

Sam Gold, founder of the National Association of Injured Workers, a nonprofit that helps workers navigate the complex system for filing nonprofit claims, has been fighting PayPal for months since it froze the group's account, in the meantime learning more about their business practices <http://www.paypalsucks.com/>  and preparing to file a lawsuit.

 

"There are all sorts of people they're doing this to, thousands and thousands of people...And it's all about collecting interest of their money," Gold said, citing stories on websites such as PayPalSucks.com about how the company falls through the cracks of serious regulation by any government agency and routinely settles legal claims before they grow into larger problems for the company.

 

"PayPal is taking small charitable nonprofits and making them jump through all kinds of hoops and face long delays to get their money. They can get away with it because nobody knows who's supposed to be regulating these guys," Gold said. "I want to see their dirty wash on the public clothesline because only then will [Attorney General] Jerry Brown and the district attorneys take note of this scam."

 

PayPal spokesperson Anuj Nayar, who spoke to the Guardian earlier this week as the company decided to release the Temple funds, couldn't be reached for comment on the latest allegations and told us he couldn't go into detail on why they freeze accounts, saying only "we are under certain regulations."

But he did note that the company has 87 million accounts and moves about

 

$2,600 per second. "When there are issues that come up, we do our best to address them as quickly as possible," he said. That volume of transactions and the difficulty in getting any kind of personal attention from the company (which does not list telephone numbers on its website) is part of the criticism from small groups, and why Rich Aberman (who we reached quickly and easily) says he started WePay (ironically, with funding from PayPal founder Max Lezchin, who Aberman said was concerned that PayPal became too big and impersonal after it was acquired by eBay in 2002).

 

"At this point, PayPal's main business is setting up purchase accounts for online businesses. So they treat all their customers as if they're businesses," Aberman said. "Our ideal customer is a normal person who is collecting money for some project."

 

While Aberman said he understand PayPal trying to protect its interests by making sure its nonprofit clients have filed all the necessary paperwork, the scale of the company makes it difficult to work with groups doing good things and taking in money from people who clearly want to support those groups.

"Since our customers are different, we handle them differently," Aberman said, noting how they simply ask for the Social Security number of a project principal in case any tax issues arise later, rather than freezing a group's assets. "At the end of the day, we're just trying to get people set up as quickly as possible so they can do their thing."

 

UPDATE: PayPal spokesperson Anuj Nayar just responded to my latest inquiry and said, "There are a number of reasons why we may put a hold on an account, particularly concerning 501c3 [nonprofits]." Yet when I asked for specific regulations and agencies that would require all a customer's assets to be frozen -- rather than holding a smaller deposit or simply reporting the information -- he said that he would need to check on that and get back to me. As to whether the company's practices slip through the regulatory cracks, he said the company operates in 36 states and 190 markets and faces regulations in each one.

 

 

MedicalConspiracies- Vibrant Energy: Amelia's Testimony

 

Vibrant Energy

Please share this newsletter with your friends.   We all have needs to be met.

http://vibrantenergy.webs.com

October 28, 2011

 

Are the stresses of daily life getting you down?

Family pressures got you on the ropes?

Financial worries choking the life out of you?

Suffering with chronic pain?

Addiction?

Anxiety?

 

Stop the stress!  Feel FREE again!

 

 

Dear Friends,

 

I am so pleased and excited to be able to share with you a new testimony I received recently.  I see so many near miraculous changes in people, but few take the time (or maybe they're just not comfortable enough with writing?) to share their story with me, so that I can put it on the website or into the newsletter.  This lady is the exception.  She has written cogently of her experience and her own emotional changes. 

 

She writes:

"I really can't do justice to the help you have given me these 8 weeks (has it been that long?!). I haven't been that disciplined in doing my daily work with the technique, but still the changes are pretty amazing.  Even though I'm the one learning and practicing this, what I'm seeing is that my husband is no longer the grumpy old grouch he has been for years. He seems to be mirroring my emotions somehow.  These last few weeks I'm calmer and more serene and he also is so much less grumpy and irritable. And the strangest thing is that he keeps giving me money (lol!) He'd give me a few hundred dollars every few days for no reason.  It could also be that I feel anxious if I don't have a certain amount in my purse or bank account. I always had the fear of scarcity, but now it's not so bad, though am still working on this.  

 

"I do think I've improved quite a bit. I don't sleep as much on weekends and I've been going out more (Jan's Note: She has been struggling with depression).  I usually limit my movements because of my back pain, but today I got up early and went to a mall with a friend, and didn't buy anything! (Jan's Not: She is/was a shopping addict, buying when she didn't need anything,  but finding no satisfaction in the purchase, once made.).  I used the technique first on fear of my back pain because I realized that I had kept myself at home, fearing to suffer the back pain, when I walk a lot. But I found it wasn't so bad after all. So what had limited me was my fear.  Yes, my back did hurt a bit walking about, but I think I had created the pain in my mind and nursed that pain, so that the thought felt much worse than the actual physical pain. Next step is to curb my craving for sweet things. I made a decision today to drink only water or fresh fruit juice for a week and see how things go from there.   By the way, I'm somehow much happier than I've felt in a long time. Thanks for all the help you have given me.  I couldn't have gotten this far without you, so thanks a million, Jan!   A.R "

 

I love it!   She is MUCH HAPPIER than she's been in a long time!  That speaks volumes to me of the validity and power of this amazing technique.  In just a few weeks, she has made considerable changes, not only in her own attitude, but because of her attitude changes, her husband is happier, as well!   When we are stressed, depressed, anxious, frustrated, etc., it affects those around us.   As we learn this wonderful technique and our own attitudes and behaviors change, their attitudes and behaviors change toward us!  By relieving some of her stress and her emotional load, she has taken some of the stress out of her life, which means she acts and reacts to him differently, which in turn makes him act and react towards her in a more positive manner.  What a blessing for both of them!

 

It's important to recognize that we do have a big effect on the people around us.   Our attitude determines what we get back from others, because people don't act, they react.  If we are grouchy and depressed and morose, they will internalize it through their own filter as something they have done or haven't done.  They get defensive and react, based on their own mistaken assessment of whatever problem they imagine, simply because we are not talkative or  we're tired or suffer pain or feel angry or whatever other emotions our countenance might be portraying at the moment.  It may have nothing to do with the other person, yet, each person's own insecurities cause them to imagine that "I've done something to cause this."  

 

And this is huge for her:  She is less depressed, and even found the desire and the will to go to the mall with a friend…without buying anything!  Wow, what gigantic strides for her.  And the pain in her back is less.  She has complained of much pain in several areas of her body, since I first started teaching her. 

 

And now she is ready to take on her weight issues! 

 

As you can see from the list of problems she's covered above, she has made unbelievable strides in just a few weeks.   Have you ever heard of someone going to a counselor and making such rapid changes in their mental an emotional outlook?  It can take YEARS!  Yet, in just two months, she has changed her attitude, her husband's attitude, and resolved some of her emotional issues! 

 

We each have a lifetime of emotional baggage to unload, so it can take a while to clean the closet of your life.  It took her 40 years to get into that shape, and it might take her a few months or a year to get out of it, but with this wonderful tool, she can do it!  She literally is changing her life.

 

So go to the website.  Read some of the testimonies and the blog.  I wish I had more time to put things up there, but I seem to keep so busy that there isn't much time left for writing.   Please believe me when I tell you that this barely scratches the surface of the miraculous changes I see in people. 

 

You could be the next success story!  Wouldn't you like your life to be HAPPIER???  More peaceful?  Less stressful?  You can do it, too.  Of course, I won't guarantee that your spouse will give you a few hundred dollars every few days as Amelia's husband has (smile), but you can bet your changes will have a positive effect on your loved ones!

 

Don't put it off.  Don't let your subconscious maintain the status quo in your life.  It will fight you, because it hates change.  Use your conscious mind to choose a new path, and commit to it!  

 

ONLY YOU can change your life. 

 

Let's get started.

 

Love and blessings,

 

Jan Slama

Vibrant Energy

http://vibrantenergy.webs.com

Change your energy, change your life!

Your Source for MMS, Diatomaceous Earth and Lugol's 5% Iodine.

++++++++++++++++++++++++++++++++++++++

Holistic Fair Schedule: 

October 29, 2011  at the Unity Church on South Hill in Spokane, WA.  10:00 AM to 4:00 PM

This is the final Holistic Event of our season, until February 2012. 

Stop by and say Hi!

Look for our Vibrant Energy banner!

+++++++++++++++++++++++++++++++++++++++ 

GREAT NEWS:  This exciting technique was recently featured on Dr. Oz's morning show. He brought in a doctor to demonstrate it to the audience. The doctor told Dr. Oz that he uses this technique daily in his practice.

 

Dr. OZ on energy medicine: On a recent Oprah show, Dr. Mehmet Oz, a noted NY surgeon and health care advocate, sited energy medicine as the medicine of the future. Quoting from Dr. Oz, "The reason I'm so excited and passionate about alternative medicine is (because it is) the globalization of medicine.  "Alternative medicines, Dr. Oz noted, "deal with the body's energy, something that traditional Western medicine generally does not recognize.  We're beginning now to understand things that we know in our hearts are true but we could never measure. As we get better at understanding how little we know about the body, we begin to realize that the next big frontier in medicine is energy medicine. It's not the mechanistic part of the joints moving. It's not the chemistry of our body. It is understanding for the first time how energy influences how we feel."

++++++++++++++++++++++++++++++++++++++++++++

NEW PRODUCTS! 

MMSWe are a supplier of Miracle Mineral Supplement (recently renamed Master Mineral Supplement).  Not a mineral at all, but a form of activated oxygen which lasts up to 12 hours in your system.  It is nature's antibiotic.  It destroys ONLY the BAD bacteria, viruses and fungi which attack your body.  Unlike the doctors antibiotics which kill only bacteria—not fungi or viruses, but then kills ALL bacteria, which means you are losing even the good bacteria necessary for your digestion and health.  MMS kills only the pathogens which don't match your body's pH Factor, so it only kills the bad, never the beneficial organisms we need.  You can find more info, testimonies and prices.   http://vibrantenergy.webs.com/otheraidstohealing.htm

Diatomaceous Earth:  Consisting of 14 different life-giving minerals, including predominantly silica, of which we rarely receive a sufficient supply because of the current farming practices and GMO crops.  This powder can be mixed into water or juice as it has little flavor of its own.  It provides basic building blocks for your cells, and creates wonderful energy.  Not the buzzy energy such as coffee provides, but sustained strength and vitality.  You can feel the difference.  Good for your pets, too and great for gardening.  It has many wonderful uses.   http://vibrantenergy.webs.com/otheraidstohealing.htm

LUGOL'S 5% IODINEBecause of the ongoing radiation releases from Fukushima reactors, and the fact that the whole northern hemisphere of the globe is now being continuously radiated, we anticipated the need to provide this for our family.  Others began asking, so we now offer it for all.  Since this Radiation will go on for YEARS, and we will all need to be protected, we are now offering this life giving nutrient, which is especially important in protecting against cancers and radiation.  I recently read that women who get breast cancer and men who get prostate cancer are almost always iodine deficient.  Lugol's Iodine settles in your thyroid, protecting it from the radioactive iodine that is being carried on the winds from Japan throughout the world. http://vibrantenergy.webs.com/otheraidstohealing.htm

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We greatly appreciate your referrals!

Please ask your friends to mention your name when they order products or lessons.

I'd love to send you a gift for referring them.

If some have already ordered and not mentioned your name,

please tell me who they are and I'll still send you a Thank You gift.

And Thank You so much.  Your referral is our best advertising.

++++++++++++++++++++++++++++++++++++

 

STANDING OFFER:  3 FREE lessons.

We owe our wonderful men and women who are now serving or have ever served in the military a huge debt of gratitude.  If you are suffering from Post Traumatic stress, Gulf War Syndrome or similar military duty related maladies, injuries or injection reactions, or you suspect that these are the problems, I want to help you be free of those debilitating issues.  Just mention that you are serving or have served.  Let me show you how to quiet and relax your jangled nerves!  After the initial three lessons free, you will receive a reduced rate for as long as you need the guidance and instruction.  This reduced rate offer includes military spouses and their underage children living in their home.

 

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You'll be surprised at the peace this simple energy healing technique can bring,

and you can learn to do it for yourself, anytime, anywhere, in just a few minutes.

 

So simple a child can (and has!) used it effectively.

 

Please don't give up hope.  Don't give in to the "Why Bother" syndrome!  The stresses in your life can be dismissed in a few minutes.

 

Why struggle day after day with the same old problems, which only cause stress and worry and fear -- which wrecks havoc with your heart and blood pressure, when with just a few minutes with this technique can bring you results beyond imagining!  WAY better and so much faster than Yoga or Hypnosis or Acupuncture or any of the conventional therapies.  Much simpler.  Pain FREE.  And with lasting results.

 

This simple technique involves no drugs or supplements, no counseling, no painful rehashing of traumatic past events, no forcing yourself to "be brave and face your fears!"

 

Yet, it has consistently demonstrated that it can bring personal peace to those suffering from stress and anxiety, depression, fears and phobias, and even chronic pain!  Results are, across the board, impressive and highly rewarding to the sufferers of these debilitating problems.

 

Check out the web page and then call me or email me for your appointment.  You can use this wonderful technique every day of your life to relax your stresses and calm your jangled brain and nerves.

 

Life can be joyous again!

 

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DISCLOSURE: ANY INFORMATION CONTAINED IN THIS EMAIL IS NOT TO BE CONSTRUED AS MEDICAL ADVICEAny information herein is for educational purpose only; it may be news related, purely speculation or SOMEONE'S OPINION.  The FDA has not evaluated or approved any of the products or supplements or information provided.  Always consult with a qualified Medical Doctor before deciding on any course of treatment, especially for serious or life-threatening illnesses.

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You are receiving this because you have at some time in the past inquired about this wonderful healing technique.  If you would prefer NOT to receive this info, please reply to this email with REMOVE in the subject line.

Thank you.

Jan

 

MedicalConspiracies- RAINDROP PHOTOS

A WORLD INSIDE BRILLIANT COLORFUL RAINDROPS

Being always amazed by the tiny wonders of the world around us inspired inquisitive minds to photograph raindrops  especially with a handy digital camera.

If you look carefully you can notice these beautiful tears of nature in leaves and flowers before they fall or get vaporized in the heat of sun-rays. These pretty brilliant macro photos of water drops were taken from plants just after a rain.