social security surpluses

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Wealth Building Scams
Author: Tom Koziol

I have some good news and I have some bad news. First the good news. The number of infomercials on television is decreasing.

Some might say that is great news. But, before you yell hurray, here's the bad news. They are reincarnating as web sites. Changes the whole picture, doesn't it?

For those who've never seen an infomercial, it is a program-length TV commercial touting easy ways to make money in a variety of ways.

Real estate is probably the most often run program. Others include low-interest government loans or grants to start a new business or go to college.

Then there are the old standby classified advertisement sections in newspapers or magazines promising "big money" business opportunities and/or work-at-home schemes. The companies behind these infomercials and print ads claim that by using their products and services, you can learn how to increase your wealth or start a business from the comfort of your home.

These infomercials and advertisements make it very clear you can make the big bucks only by purchasing their books, audio and video tapes, or computer hardware and software. The materials range in price from less than $100 to several thousand dollars.

To clinch the sale, some promoters include a toll-free telephone consulting service with your purchase and offer a money-back guarantee. The fine print in the guarantee is what gets most people.

Web sites promoting these same type of "opportunities" look like an infomercial. Hype, glitz and promises of big money adorn the screen. On the other hand, contact details, other than ordering information, is scant if existent at all.

On television, these infomercials are designed to look, feel, and sound like real TV programs. The FTC says "they often imitate the format of genuine talk shows or investigative consumer news programs."

Because they imitate real programs, "the products being sold often are discussed as part of the program and touted by paid "experts," "moderators," or "reporters", according to the FTC. The programs may last for 30 minutes, interrupted by advertisements for the shows products with ordering information.

As in the offline world, online promoters of wealth-building schemes claim that if you follow their methods, you can make substantial sums of money. The means to easy wealth have shifted from real estate and government auctions to web site sales and development, autoresponder sales, gift clubs and bulk email programs.

The offline world uses the infomercials and advertisements to invite you to attend seminars where you can learn more about their program. You can rest assured the seminar is a slick sales pitch.

The smooth-talking salespeople tout the programs, materials, and services and use testimonials of the people in the back of the room selling the materials to illustrate what easy money you can make. The truth is these people are paid to give testimony. They are on the payroll as salespeople and that's it.

At these seminars the pitch is feverish and it is easy to be lured by promises of success into parting with your money. They are designed to work off the herd mentality. Don't fall for the nonsense.

On the Internet, the herd mentality is engaged through testimonials and a rush to action. You are encouraged every step of the way to BUY NOW! There are only so many days left and this opportunity will be gone forever or some other such nonsense.

The FTC, and everybody else who has studied these programs, gives the following advice:

1. Be skeptical about "get-rich-quick" advertising claims.

2. Ask companies for written substantiation for claims in their presentations, especially those about success rates.

3. Be aware that "experts" who endorse a product often are paid by the advertiser.

4. Be cautious about "testimonials." They may be paid for and probably owrse, do not reflect the experience of most consumers.

5. Be wary of purchasing a program if company representatives give you evasive answers or aren't willing to answer your questions at all.

6. Before you buy, decide whether the price reflects a fair market value.

7. Be wary of promises of free money or low-interest government loans. As a rule, these are available only in limited circumstances.

8. Dont be pressured to purchase immediately. Good opportunities are not sold through high pressure tactics.

9. Before you buy, ask about the companys qualifying requirements and refund policy.

10. Check out the company with your local consumer protection agency, Better Business Bureau, and state Attorney General's office. They should be able to tell you if any unresolved consumer complaints are on file.

Additional consumer protection resources are available at your local library. Check out materials on personal finance and those geared toward the small business owner.

Your local community college may have a marketing department. Call and ask to speak with one of the professors. Explain the program and ask his/her advice/opinion.

The Small Business Administration and your state and local government have publications and programs for new and potential business owners. Write or call and ask for a list of available publications.

Tap into the Internet. That's right, search engines could turn out to be your best friend. A host of scam busting sites exist and expose scams online and offline.

As always, common sense is your best weapon in the fight against this garbage. If it sounds too good to be true, it probably is. However, if you have more than a passing interest, do your homework. Getting too much information is not a crime or a hazard to your wealth.

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social security surpluses

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Other sites that feature social security surpluses

1. Chat Transcript: Social Security
... Home delivery Online Subscription Login Profile FAQ Support Unsubscribe Read today's e-paper Social Security What would changes in Social Security mean to you? Moderated by Ken Sands Online Publisher 2 ...
http://www.spokesmanrevie .../transcript.asp?id=61

2. Monthly Review October 2000 The Editors
... The short-term crisis was an expected shortfall in the trust fund for Old Age and Survivor's Insurance (OASI) from the mid-1980s until the golden age of the 1990sówhen Social Security surpluses would ...
http://www.monthlyreview.org/1000edit.htm

3. Issues : Social Security (www.newsaic.com)
... W. Bush proposed transferring at least some of the projected budget surpluses into Social Security in this way. Pre-fund future benefits by creating individual personal savings accounts or through ...
http://www.newsaic.com/mwsocialsecurity.html

4. Byron York on Social Security on National Review Online
... relying on accepted economic wisdom about Social Security's future financial viability but also, in ... ... to do with enormous anticipated federal budget surpluses. Republicans, arguing that a surplus meant ...
http://www.nationalreview .../york200501140807.asp

5. The Washington Monthly
... html nice little graphic presentation about social security Posted by: Neo on March 19, 2006 at 12:05 ... ... who said CBO always underestimates budget surpluses, as they did from 92 to 00 - oops! There is a ...
http://www.washingtonmont ...al/2006_03/008450.php

6. Social Security crisis? Not if wealthy pay their way | csmonitor.com
... For years, Social Security has been amassing surpluses that the system's trustees use to accumulate Treasury bonds in its trust fund. Related stories: 01/24/05 Social Security vs. stocks: another ...
http://www.csmonitor.com/ ...0127/p09s01-coop.html

7. Why FDR Called It Social Security, Not Social Investment | The Agonist
... Online users: randolph JustPlainDave Ian Welsh DougRichardson Syndicate Home ª diaries ª Numerian's diary Why FDR Called It Social Security, Not Social Investment Elevated from Diaries Why FDR Called ...
http://www.agonist.org/story/2005/1/6/212133/2309

8. Social Security - Great Big Blog
... Under current law Social Security surpluses are exchanged for non-marketable Treasuries placed in the Social Security Administration account. The Supreme Court has ruled that we donÄôt own them ...
http://greatbigblog.com/c .../Social-Security.html

9. Santorum U.S. Senate :: Record of Accomplishment
... This legislation works to achieve three goals: the Social Security surplus should only be used for Social Security, not other government programs; Surpluses should be saved in personal accounts that ...
http://www.ricksantorum.c ...d.aspx?ID=10&TypeID=7

10. The Left Coaster: Social Security Archives
... By Paying For Them With Trust Fund Surpluses June 17, 2005 - Mr. 42%, Exhibit B June 16, 2005 - House and Senate GOP Look For Exit Strategy On Social Security June 10, 2005 - As Job Approval Falls ...
http://www.theleftcoaster ...t_social_security.php

11. Santorum Exposed
... D-MT) called "privatization of Social Security pure and simple.Äù Other Democrats said the bill would have shifted "Social SecurityÄôs annual surpluses into a reserve account intended to be ...
http://santorumexposed.co ...ues/issues-socsec.php

12. The Greenspan/Bush Social Security Scam- ReclaimDemocracy.org
... otherwise the federal government would run excessive surpluses. He assured Congress that those tax cuts would not endanger future Social Security benefits. And last year he declined to stand in the ...
http://www.reclaimdemocra ...ity_scam_krugman.html

13. Cato Testimony: Social Security & Baby Boomers
... pension reform, Chile is running fiscal budget surpluses. Since the system began to operate on May 1 ... ... on savings (of moving to a fully funded Social Security system) has a net present value gain of ...
http://www.cato.org/testimony/ct-mt092496.html

14. New Rules Project - Ask Dr. Dave
... Institution. December 2003. [13] When Social Security taxes are no longer generating a surplus ... ... in 2000 about whether to use federal budget surpluses to pay down the debt. Had the debt been paid ...
http://www.newrules.org/drdave/11-socsec.html

15. President's Commission to Strengthen Social Security - Press Release, May 2,...
... years. These surpluses provide an opportunity to move to a stronger Social Security system. Two months ago, in my address to Congress, I described the principles that must guide any reform of Social ...
http://www.csss.gov/press/press050201.html

16. ABC 7 News - Audit: Ohio U. Cyber Security Low Priority
... files containing personal information including Social Security numbers, names, medical records and ... News - Audit: Ohio U. Cyber Security ...
http://www.wjla.com/news/stories/0606/338929.html

17. Retirement Planning for Social Security [Mackinac Center for Public Policy]
... to opt out of the federal Social Security system and design a ... of citizensÄô retirement security by turning to private ... strong economy and government surpluses forecast for the next decade ...
http://www.mackinac.org/article.aspx?ID=7230

18. Reason: Social Security as Social Engineering
... Social Security's surpluses have subsidized general budget spending for decades; if the government needs to use general revenues to subsidize Social Security, that will be no tragedy. The real fiscal ...
http://www.reason.com/rauch/011505.shtml

19. The Future Of Social Security
... long-term challenges as Social Security. Today, however, we not only enjoy a federal budget surplus for the first time in 30 years, but are projecting federal budget surpluses for many years to come ...
http://savvyconsumer.org/ ...utureof-ss/10055.html

20. Beehive
... but here's one of them: Far from being drenched in red ink, the Social Security trust fund is still showing huge year-to-year surpluses. And these surpluses are still continuing to grow! This year ...
http://www.fresnobeehive. .../what_social_sec.html

21. Social Security: A False Crisis!
... law such as: Social Security contributions are totally dedicated to paying Social Security benefits. All budget "surpluses" are be used to build up the Social Security Reserves instead of paying for ...
http://www.infosec.pdx.edu/~psu01435/sscrisis.html

22. The Heritage Foundation: Social Security
... John September 22, 2005 (WebMemo #858) Government investment of Social Security's surpluses is still a bad idea. The House Pension Reform Bill: A Good, But Not Perfect, Start by David C. John and Rea ...
http://www.heritage.org/r ...ialsecurity/index.cfm

23. Al Gore on Social Security
... challenges.î Gore has detailed a plan to keep Social Security solvent through at least 2050. As President, Gore would use todayís budget surpluses to pay down the national debt and use the ...
http://www.issues2000.org ...e_Social_Security.htm

24. Riemer: Clay Shaw's Social Security plan
... And for good reason: not only are the governments budget surpluses gone, but Congress is already borrowing from the Social Security Trust Fund to spend on other purposes a broken promise that Mr ...
http://www.ourfuture.org/ ...emer_shaw_ss_oped.cfm

25. Bush's Plan to Loot Social Security
... Security, has said "there is no financial crisis in Social Security." As Ball explained, the system is today accruing substantial surpluses." The sky is not falling. The fact is that the Social ...
http://www.new-enlightenment.com/sss1.htm

26. FSO Editorials: "Social Security Report" by Michael W. Hodges 04/0...
... 1.5 Trillion) of in-coming surpluses from workers had been siphoned-off to-date from the Social Security trust fund - a 340% increase of $1.2 trillion since year-end 1991 - every penny spent on non ...
http://www.financialsense ...hodges/2005/0402.html

27. EconLog, Social Security Transition Cost, Arnold Kling: Library of Economics...
... Social Security surpluses not only appear to have failed to decrease the debt held by the public, each dollar of Social Security surplus appears to have actually increased the debt held by the public ...
http://econlog.econlib.or ...cial_security_14.html

28. Industry Issues: Social Security Reform
... federal consumption spending increases by much more than a dollar and the emergence of Social Security surpluses may have reduced, rather than increased, net domestic saving and investment. Because ...
http://www.aba.com/Indust ...ocialSecurityMenu.htm

29. CANOE -- CNEWS - Canada: Government surpluses hit near record levels
... CANOE -- CNEWS - Canada: Government surpluses hit near record levels June ...
http://cnews.canoe.ca/CNE ...06/15/1634178-cp.html

30. Social Security :: Issues :: Russ Feingold :: Progressive Democrat for Presi...
... ACHIEVEMENTS Protecting Social Security: Senator Feingold is a cosponsor of the Social Security and Medicare Surpluses Lockbox bill of 2001. This legislation would ensure that Congress reaches a ...
http://www.njforfeingold. ...ssues/social-security

31. OpinionEditorials.com ñ Why Liberals Abhor True Social Security Reform - Adamo
... It is perhaps the biggest deception of the twentieth century to portray Social Security surpluses as anything other than a supplemental income tax, further burdening the citizenry while enabling big ...
http://www.opeds.com/gues .../cadamo_20050310.html

32. Team NCPA: Working to Save Social Security
... Driven Healthcare E-Team Debate Central Women in the Economy Team NCPA Today Save Social Security Surpluses Senator Jim DeMint (R-SC) and Senator Mike Crapo (R-ID) have introduced an amendment to ...
http://www.mysocialsecurity.org/main/index.php

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