text:
Wildlife Safety Guidelines: A Primer for Outdoor Enthusiasts
Summer is prime time for hitting the trails and the waterways of America's gorgeous backcountry. Which also means it's prime time for running into the critters, large and small, for whom that backcountry is home sweet home. Every summer, headlines are made over unfortunate (or unwise) wildlife encounters across the country.
Many of those encounters result from ignorance (or just plain bad decisions), and all things considered it's the beast that tends to suffer the worst consequences. Staying aware out in the wilds and giving any animal the space and respect it deserves will likely keep you out of harm's way nine times out of 10, and meanwhile chances are the run-ins with those furred, feathered, and scaly cousins of ours will rank among the clear highlights of your outing.
Here are some basic tips for staying safe around some of the USA's bigger, toothier wild animals.
Grizzly Bears
No critter on the continent inspires the fear that a grizzly does, and to some extent that's justified given the power of Ursus arctos horribilis.
Come of evolutionary age on the sketchy Ice Age plains of North America, where a mother bear had to defend her cubs against all sorts of gnarly beasts, the grizzly became more aggressive and assertive than its Eurasian brown-bear ancestors. Grizzlies have contended with a couple of centuries of persecution at human hands, which has driven them to a shred of their former dominion and bred plenty of leeriness of humankind into their modern makeup. These "silvertips" generally want nothing to do with people, who tend to mean only trouble.
Except in extremely unusual instances, grizzlies don't attack people to eat them. Your main worry is running into a grizzly at close quarters, when it has to split-second weigh its fight-or-flight response. The two diciest situations are stumbling upon a mother grizzly with cubs or any grizzly guarding an animal carcass, both cases in which the bear may mount a ferocious defense. (If you come across major carrion in grizzly country, err on the side of caution and exit the area.)
In griz country, hike in groups whenever possible, and make noise along the way—especially in dense timber or thickets, or along streams. Loud talking, shouting, and clapping tend to be more effective than those twinkly bearbells. And definitely carry bear spray in a belt holster (and know how to use it; more on that below), so it's at the ready if you spring upon a bruin.
If you see a grizzly and it doesn't appear to have seen you, detour around it as widely as possible (and downwind, if you can). If the bear's noticed you, speak calmly, slowly backtrack, and leave the area; if it's possible to position yourself upwind, do so in order to clue the bear in to your identity. Grizzlies often rear onto their hind legs to better see and especially scent potential danger—don't interpret that move as antagonistic.
Grizzlies commonly wheel away upon recognizing a hiker, but sometimes—especially in close encounters—they'll opt to charge. Usually these are bluffs, and while it takes major fortitude, you should hold your ground and ready your bear spray—never run. The bear will probably abort the charge. If it doesn't, spray toward the ground in front of it for the best chance of enveloping its face in the burning mist. (If the grizzly's coming at you from upwind, try to adjust your position so you can spray downwind.)
If pepper spray fails and the grizzly attacks, drop face-down and play dead, clasping your hands around the back of your neck elbows hugging your head. Normally an attacking grizzly winds down its assault once it decides you're no longer a threat.
Don't bother trying to climb a tree to escape a grizzly: They aren't awesome climbers, it's true, but they can claw their way up a trunk, and besides they have impressive reach. As the legendary Doug Peacock writes in Grizzly Years, "For every grizzly who would stand there watching you scramble up a pine tree, there are a dozen others who are irresistibly triggered by your frantic scrambling to take a bite out of your rear." Food (ahem) for thought!
A caveat with the playing-dead deal: If a grizzly ever tries to drag you out of your tent at night—fortunately a very uncommon occurrence, but obviously nightmare material—definitely fight back: This is likely one of the rare instances where the bear is investigating you as prey.
Where to Be Aware: Most of Alaska and, in the Lower 48, primarily the Greater Yellowstone and Northern Continental Divide ecosystems, but also parts of North Idaho, northeastern Washington, and the North Cascades.
Black Bears
The black bear—North America's smallest bear, but still sometimes well exceeding 600 pounds—inspires a wider range of responses among outdoorspeople than the basically universally respected grizzly. Some folks are irrationally terrified of black bears, but many lean too far in the other direction, underestimating the animal's strength and grit. Black bears are smaller and generally less feisty than grizzlies, but they're still enormously powerful and well-armed omnivores.
A 2011 study published in The Journal of Wildlife Management significantly enlightened the way we think about the danger posed by black bears. If, statistically speaking, the most dangerous grizzly bear is a sow defending her cubs (or a griz defending a carcass), the most dangerous black bear is a lone male (boar) gauging you as a potential meal. Your response to a black bear acting agitated in your presence—flattening its ears, huffing, clicking its teeth, swatting the ground—should basically be the same as to a defensive griz: Ease away or around without running, holding your ground in the face of a charge (a rarer response in black bears).
But if the black bear approaches you without making much noise, with upraised rather than flattened ears—suggestive of a potentially predatory animal—you should vigorously discourage it: Make yourself as big as possible, shout at the bear, and if it continues to advance, use your bear spray—or, lacking it, chuck stones or sticks. If such a bear attacks, fight back with all you've got.
Such a response can also deter a black bear that's not necessarily looking to eat you, but rather has become conditioned to expect handouts or leftovers from people.
Where to Be Aware: Much of North America is black-bear country.
Not counting the bulkier jaguar that ranges into the American Southwest, the puma (or mountain lion, or cougar) is the largest cat in the United States: Big males (toms) may reach 200 pounds or more. Like any big cat, it's a magnificent hunter: a preeminent deer stalker, and muscle-packed enough to grapple down full-grown elk singlehandedly. Yet while the average human being is smaller (and punier) than such hoofed quarry, puma attacks on people remain quite rare.
In May 2018, a particularly unusual and tragic attack did occur in the Cascade foothills east of Seattle that resulted in the death of one mountain biker and injury to another. A necropsy on the tom puma that attacked—despite the cyclists fighting back—showed no abnormalities or disease; the roughly three-year-old cat was on the light side for a tom (about 100 pounds), but didn't appear emaciated or in otherwise poor condition. No easy answers for the cat's aberrantly hostile behavior, in other words.
The basic response to an aggressive puma is the same as for an aggressive black bear: Make yourself look and sound as intimidating as possible. Dr. Michelle LaRue, a University of Minnesota research ecologist who serves as executive director of the Cougar Network, recommends "do[ing] the best you can to appear as uninteresting to the cat as possible. That includes yelling, throwing stuff at it, and fighting it if you have to."
Bear spray should work just as well against a puma as a bear, so it's a good idea to carry it just for insurance when you're recreating in mountain-lion country—even though you probably won't need to use it.
The victims in the Washington attack did the right thing by fighting back, although the cyclist who was killed ultimately ran from the puma—never a good idea (although a perfectly understandable response, especially given the cat's persistence in attacking).
All things considered, count yourself lucky if you spot a puma out in the backcountry: The cats are the most phantasmal of our big carnivores and normally make every effort to stay out of our sight. (And for practicing your puma-ID skills, check out Dr. LaRue's Twitter feed for her Friday #CougarOrNot challenges.).
Where to Be Aware: While young male pumas are increasingly dispersing into the Midwest—perhaps a reoccupation of historic range that Dr. LaRue and her Cougar Network colleagues are documenting—you'll mainly be sharing space with the cats in the western sector of the country, plus the South Florida wilds (home to an imperiled regional ecotype, the Florida panther).
Thick-bodied, toothy, and sometimes well over 12 feet long, the American alligator is an intimidating beast, no question. It's not nearly so dangerous as certain Old World crocodiles, but the gator certainly commands respect: Even a medium-sized animal is more than capable of severely injuring or killing a person. As ecologist and gator expert Adam Rosenblatt of the University of North Florida notes, an alligator looks upon nearly anything as a potential prey item, and, like a shark, may "explore" such an object of interest with its heavy-duty chompers. Sometimes a human being attracts that sizing-up interest: mostly children, but adults, too, if it's a big enough gator.
The main risk to a full-grown person comes in water. "If an adult is standing up on land we can look pretty formidable to a gator," Rosenblatt says, "and they're unlikely to view us as prey they'd want to tangle with. Kids and pets, however, are just the right size for a gator to immediately view as prey and go after if the conditions are right."
Wading, swimming, or dangling a foot in waters inhabited by large alligators is potentially risky, especially late in the day and during night, when the reptiles are more active. "My usual advice is to stay out of bodies of freshwater at night anywhere in the gator's range, and to do some research about the abundance of gators in an area before jumping into any body of freshwater in the gator's range, even during the day," Rosenblatt says. And if you're primitive camping or backpacking in gator country, avoid washing dishes in bodies of water where gators can live.
Hair-raising as it can be to paddle past a hefty gator hauled out on the bank or floating log-like at the surface, it's unusual for canoeists or kayakers to run into trouble. "I've heard stories of canoes and kayaks getting 'bumped' by gators, where the gator taps the boat on its side or from below to sort of check it out," Rosenblatt says. "If that happens, paddle away from the gator quickly and, if necessary, try to smack it on the head with your paddle. Overall, it's very rare for someone to get knocked out of a boat by a gator."
The worst situation is a gator that's accustomed to being fed by people: whether directly through handouts—never feed wild alligators, OK?—or indirectly, as when anglers carelessly dispose of fish scraps around an alligator. Such an animal may well approach you and potentially become aggressive, and you should get away as quickly as you can.
Rosenblatt also advises caution during the spring breeding season—when bellowing male (or bull) gators may be feistier than usual—and during summer nesting time, when mother gators actively defend their brood.
If you stay aware, exercise caution, and pay alligators the respect they very much deserve, you can usually recreate safely in gator country, appreciating the privilege of sharing space with these epic reptiles. Let's say, however, that the unthinkable happens, and you find yourself in the not-cool position of being seized by an alligator. "If you find yourself in the jaws of an alligator," Rosenblatt says, "your best bet is to fight back as hard and for as long as possible. If the gator feels you putting up a big fight, they're likely to decide you're not worth the effort and let go.
"When gators grab a hold of big prey the first thing they do (usually) is to try to roll their prey and rip off limbs. The second thing they try to do is drag their prey underwater to drown them. If you're the prey, before either of these things can happen, try to punch the gator in the nose and jam a thumb into one of its eyes. The eye sockets are really the only weak point on their whole head. Just know that gator skulls are hard as a rock, so it might hurt quite a bit to punch one in the face. But hey, if your leg or arm is in the jaws of a gator, you're probably not going to be worried about some pain in your hand as you fight for your life."
Where to Be Aware: Waterways across the southeastern United States, as far north as North Carolina and Arkansas, and as far west as central Texas.
North America has a fair share of magnificent venomous snakes, from the brilliantly patterned (and potent) coral snake to the regal eastern diamondback rattlesnake, which may rarely exceed seven feet in length and ranks among the heaviest venomous serpents on the planet. Hearing the abrupt dry chatter of a rattlesnake in the brush, or coming face-to-face with the gaping maw of a cottonmouth (aka water moccasin) tends to be a humbling experience.
Snakes, though, suffer from one of the most unjustified bad reputations of any animal. Their danger is hugely overrated, and yet people kill countless numbers of them every year out of fear and even outright hatred. When you're talking about such efficient predators of rodents and other small creatures, such shameful slaughter—especially when considered alongside habitat loss and roadkill mortality—can have a real ripple effect on local ecosystems.
Long story short, you should value serpents and cherish the occasional sighting. As David Steen, a research ecologist with the Georgia Sea Turtle Center and one of Twitter's highest-profile snake authorities, points out, our native pit vipers—which account for all of the country's venomous snakes save the coral snake—"generally use their camouflage to avoid conflict," and so most times you wander past, say, a rattler or a copperhead, you won't even know it. The intimidating rattle of a rattlesnake or the open-mouth display of a cottonmouth are defensive warnings, not aggressive assaults.
Steen says simple precautions are all that's usually necessary to avoid a snakebite on the trail or on the water. Off-trail hikers should wear close-toed shoes, for example. "If you're sharing the landscape with venomous snakes," Steens says, "I recommend being conscientious about where you put your hands and feet, and this will virtually eliminate your risk of being harmed by one. Many if not most snake bites happen after people decide to mess with a snake. Don't do that."
In other words, don't go all Animal Planet host and try to grab or prod a snake—just leave it be, snag a picture, and relish the experience. (And if you're unsure exactly which serpent is gracing you with its presence, pop on Twitter and have Steen I.D. it for you.)
Where to Be Aware: Most of the Lower 48 States outside of the boreal fringe and high mountains have one or another venomous snake species.
You'd think the massive bulk, thick horns, and surly look of North America's biggest land animal would dissuade spindly humans from invading its personal space—but it happens every year in Yellowstone and other corners of the American bison's scattered and spread-out range. For all the lumbering and blank-stare ruminating they do, bison are swift runners and deceptively agile; if you've pissed one off at close quarters, good luck trying to outrun or outmaneuver it.
Whether on Yellowstone's volcanic grasslands or the White River Badlands' mixed-grass prairies, steer at least 50 yards clear of bison. If you run into herds blocking the trail in Yellowstone's backcountry (which is not uncommon), don't try to persuade them to yield it, and make a generous detour. Give bison space, and they'll leave you alone—though they may definitely cast a few dismissive stares your way.
Where to Be Aware: The sprinkled pockets of buffalo range in the Central Lowlands, Great Plains, Rocky Mountains, and Colorado Plateau—plus parts of Alaska, where the boreal form called the wood bison was recently reintroduced.
The same advice goes for moose, those enormous and sometimes cantankerous deer with the swollen-looking schnozzes and humped shoulders. Moose aren't out looking to put a beatdown on people, but they don't tend to take kindly to hikers who get too close—and that's especially true of cows with calves. Moose will kick viciously with their front legs, and needless to say a blow from one of their hooves can pack a heck of a punch.
Stay especially alert in willow, alder, and other shrub thickets edging the ponds and lakes where moose often browse. Give any moose you run across a generous berth, and if the animal has noticed you, retreat gingerly while talking in a soothing voice. A moose that's flattening its ears, bristling its hackles, and/or walking stiff-legged in your direction may be preparing to charge. Unlike with a bear, you should definitely run from an oncoming moose, which don't tend to chase people for very long. If a moose does overtake you, get down into a ball, shield your head, and don't fight back; hope the moose decides it's extinguished the threat sooner rather than later.
(Incidentally, pursue similar etiquette around elk, which can also respond violently when crowded.)
Where to Be Aware: Much of the Northeast, Upper Midwest, Rocky Mountains, and Alaska.
Mountain Goats
Wait, what? Mountain goats? Aren't mountain goats those handsome, snowy-robed plant eaters fond of posing against photogenic alpine vistas? Yes, but these endearing-looking guys aren't exactly meek; mountain goats are some of the most belligerent of our ungulates, and both billies (males) and nannies (females) are well-armed with dagger horns. Not particularly flighty to begin with, mountain goats that become habituated to humans through food handouts (don't do it!) or the tasty salt left on packs, clothes, and in urine can be dangerous. In 2010, a hiker on Klahhane Ridge in the Olympic Mountains was fatally gored by a 350-pound billy with a well-established reputation for approaching people.
To avoid such violent encounters, give mountain goats plenty of space (noticing a theme here?). If one sidles up move away, and if the goat continues to advance, shout at it, wave your arms, and throw rocks if need be.
(Pee-related pro-tip: When backpacking in mountain-goat terrain, don't relieve yourself right along the trail. That can draw salt-hungry goats to it and raise the likelihood of an encounter with humans.)
Where to Be Aware: Mountain goats inhabit alpine ranges from the North Cascades and Northern Rockies all the way to Utah's La Sals (though the more southerly mountains where they're found today generally fall outside their historic native distribution and result from introductions).
Written by Ethan Shaw for RootsRated and legally licensed through the Matcha publisher network. Please direct all licensing questions to firstname.lastname@example.com.


text:
A 101-year-old man has set a world record for oldest skydiver, according to the British company Skydive Buzz.
Bryson William Verdun Hayes, known as Verdun, made a tandem jump at the age of 101 years and 38 days, the company says.
Guinness World Records says the record for the oldest man to make a tandem parachute jump was set by Armand Gendreau in 2014, at the age of 101 years and 3 days.
Guinness has not yet confirmed that Hayes set a record. "We are aware of the attempt and we are awaiting evidence," a spokeswoman for the company told NPR.
Hayes is a D-Day veteran who was raising money for the Royal British Legion with his jump, according to The Guardian.
Four generations of the Hayes family took part in the skydiving expedition at an airfield in England — from Hayes down to his great-grandchildren, the British newspaper reports.
Skydive Buzz posted a video of the adventure, showing Hayes taking to the sky, floating to the ground and lying down, jubilant, after the jump.
"Hooray!" he said, arms up high in celebration.
How was he feeling?
"Oh, absolutely over the moon," he said.
Copyright 2021 NPR. To see more, visit https://www.npr.org.

subset: commoncrawl


text:
On call, hourly as needed $14.00/hr.
A completed Eureka City Schools District "Classified" application is required along with a copy of a Para Professional Certificate OR a valid California Teaching Credential is required. THESE ARE THE ONLY CERTIFICATIONS EUREKA CITY SCHOOLS ACCEPTS FOR LITERACY TECHNICIAN POSITIONS. If you do not have the Para Professional Certificate, please contact the Humboldt County Office of Education at 445-7039 to schedule the test and make a notation on your application when your appointment will be. Applications may be downloaded from www.eurekacityschools.org or are available at the District Office, 2100 J Street, Eureka. INCOMPLETE APPLICATIONS WILL NOT BE CONSIDERED.
Please email your applications to [email protected] or bring your application to the Personnel Office, Rm. 110 at 2100 J Street.
Click Here for Job Description


text:
Queen of The 7 Seas Rhinestone Beauty Pageant Full Silver Crown
Reina De Los Siete Mares ( Queen of The Seven Seas ) Elizabethan Crown - Large
Inspired by tales of the sea, mermaids, godesses and legends of far away mystical kingdoms, our new tiara is a vision of cascading crystals, creating sparks of colors, rays of light, a vision of pure romance and magic.
Apropiate for any glamourous affair, from beauty pageants to home coming queens, this tiara will add elegance, whimsical imagination and savoire fare to your total look of sophistication and mystique.
Created by master jewelers, with total attention to detail, using high quality metalic settings and imported crystals, you will need to hasten your purchase of this treasure before stocks dwindle...
Made with the finest rhinestones and silver plated metal.
4.5 Inches tall with 7 inches contoured band for perfect fit


text:
There are very many reasons that can trigger one to opt for marine transport. Among these reasons is the inaccessibility of certain places due to the unavailability of roads and many others. Also, one can decide to use water for transportation just for their fun and creation of new experiences. Since the whole journey may seem to be interesting and fun to have, one is encouraged to be very keen with the selection of the mode of transport they are planning to choose for the journey. It is very risky to choose one that will cause the lives of anyone in the transport.
Many are times when boats and crafts sink when the weight pasts the recommended one leading to the occurrence of accidents and at times loss of precious lives. To avoid the selection of those modes that will be a frustrating at the end, one should do thorough research and find out the features the finest modes of transports have. Failure to have adequate facts poses one to the risk of loss of their lives to water accidents. Also, the charges demanded, the safety precautions and the opinions others have and personal preferences and tastes are among those that determine what to be chosen. The following are some of the top tips one should consider whenever they need a mode of transport to use on the water.
The charges demanded for the services ought to be known. These charges are determined by the efforts to be used to transport and the distance of the whole journey. Also, how safe the method is and the amount of time to be spent in transportation are way determinants of the charges. Before the final decision is made, one should investigate and find out the prices of the same services from other service providers and make a comparison. To have the best, one should opt for those services to be delivered after the sum of money remitted is large. One can only avoid poor services by avoiding those that are offered at very low costs. Bargaining for the reduction of the cost should be done whenever one feels that the demanded amount is too high.
Another aspect one should note is the safety to be anticipated for whenever one is using it. Many people should recommend it and wish to have another tour with the same. Also, it should be recognized as one of the safest and that is likely to reduce the number of water accidents when used. When most people have died or suffered seriously from the use of the mode of transport, one should stay away from it completely. On the other end of the spectrum, one is supposed to choose the mode of water transport that is likely to be the least dangerous to use.
Lastly, how the person to travel feels about it should be considered. If one is looking for fun and seeing of water animals, they should select one that will facilitate the experience.


text:
Scientists at Johannes Gutenberg University Mainz and the DLR develop measures to prevent health problems associated with biogenic amines in wine
Biogenic amines may be one of the factors responsible for symptoms such as headaches, gastro-intestinal disorders, shortness of breath, fall in blood pressure, and even unconsciousness and cardiac arrhythmia in severe cases. Histamine, one of the best known members of this group, can cause serious physical problems. Biogenic amines can be produced in the body by natural metabolic activities but are also ingested in larger quantities with food. They play a special role in microbiologically produced food such as wine, beer, cheese, and sauerkraut. In a joint project Johannes Gutenberg University Mainz (JGU) and the Dienstleistungszentrum Ländlicher Raum Rheinpfalz (DLR) have developed measures to identify and reduce biogenic amines in wine, where they can be of particular risk to human well-being.
The goal of these investigations was to avoid high concentrations of biogenic amines in wine. The corresponding investigations were performed in the Institute of Microbiology and Wine Research at Mainz University and the Dienstleistungszentrum Ländlicher Raum Pheinpfalz in Neustadt in a joint project sponsored by the Research Association of the German Food Industry (FEI). "It is important to make efforts in order to reduce biogenic amines in wine, since this problem shall increase in future," predicts Professor Dr. Helmut König of the JGU Institute of Microbiology and Wine Research (IMW). Compared to other microbiologically processed food such as cheese the concentration of biogenic amines in wine may be low. However, their effect on sensitive human beings may be strongly increased during simultaneous ingestion of wine and other problematic food since alcohol significantly impairs the body's ability to metabolize biogenic amines.
Therefore, Helmut König's team and the enologists of the working group of Ulrich Fischer in Neustadt have developed "Practicable Milestones" in order to enable wine-makers to lower the risk of the production of biogenic amines. There currently is no regulatory requirement regarding the upper limits for biogenic amines in wine. However, in view of the health risks and the need to prevent the development of off-flavors that can be caused by some bacteria, wine-makers shall take measures in respect to cellar and wine producing techniques now. The addressed problems may increase in future as a result of climate change, because higher temperatures will promote the growth of undesirable bacteria on the grapes. It has been shown that the production of biogenic amines will be enhanced due to elevated pH values. An earliness of the ripening period of the grapes may lead to an increase of the pH value of the grape juice.
Preventative and curative measures include the use of tested starter cultures, the early detection of the presence of biogenic amine-forming bacteria by molecular methods and procedures to prevent their growth, for example the application of flash pasteurization or the removal of biogenic amines with the help of bentonite or yeast cell walls. The most economic preventive measure is to lower the pH value by adding tartaric acid. This is already permitted in the warmer climate zones of the EU and in non-European countries, but German wine-makers are currently prohibited to apply this measure. However, in the last years an exemption to this regulation was granted.


text:
Frequently Asked Questions About Taxation for Mutual Fund Investors
Taxes are a key consideration for all investors, including mutual fund shareholders. This page answers a few basic questions about how mutual fund investors are taxed.
These FAQs are not intended to provide tax advice. Investors should consult their tax advisors before purchasing or redeeming mutual fund shares. Investors are also encouraged to visit the websites of ICI member companies, which provide a wealth of tax information and resources. ICI's policy activity on tax matters is detailed at ICI's taxation resources page.
What taxes do mutual fund shareholders pay?
What are the tax implications of investing in tax-advantaged accounts, such as company retirement plans?
Why are some bond funds described as "tax-exempt"?
What are taxable distributions from mutual funds?
What are the tax implications of selling or exchanging mutual fund shares?
What is a mutual fund share's cost basis?
How important is recordkeeping in calculating taxes?
What kinds of gains and losses can a fund have in its portfolio, and what are their tax implications for investors?
What are realized and unrealized gains?
What are realized and unrealized losses?
Is it true that mutual fund shareholders have to pay "someone else's taxes" if they buy fund shares at a certain time?
What taxes do mutual fund shareholders pay?
Mutual fund shareholders generally pay federal and, in many cases, state and local income taxes, including taxes on dividends and capital gains. Shareholders who own mutual funds outside of tax-advantaged accounts are taxed each year on two types of transactions: distributions from the fund and the sale of the fund shares.
What are the tax implications of investing in tax-advantaged accounts, such as company retirement plans?
More than half of long-term mutual fund assets and roughly 16 percent of money market fund assets are held in tax-advantaged accounts, such as individual retirement accounts (IRAs), 401(k) plans, variable annuities, and other retirement savings vehicles. Investors in these accounts enjoy tax benefits that eliminate or reduce their annual tax obligations. For example:
- 401(k) plans: Under these plans, workers set aside a percentage of their pretax pay in a special account. In many plans, these worker contributions are wholly or partially matched by employer contributions. Taxes on returns earned on investments in 401(k) plans are deferred until earnings are withdrawn, usually at retirement. Thus, 401(k) investors do not pay taxes each year on distributions of capital gains and dividends.
- Traditional IRAs: Contributions to these accounts may be tax-deductible, which may reduce the investor's taxable income. As with 401(k) plans, taxes are deferred on earnings in traditional IRAs.
- Roth IRAs: Contributions to these individual retirement plans are not tax-deductible. Earnings are not taxed, and qualified distributions of earnings and principal are generally tax-free.
Why are some bond funds described as "tax-exempt"?
Interest from municipal bonds generally is exempt from federal income tax and, in some cases, state and local taxes as well. When funds distribute such income to their shareholders, those distributions also are tax-exempt. Tax-exempt money market funds, for example, invest in short-term municipal securities, and also pay tax-exempt dividends.
Even though income from these funds generally is tax-exempt, shareholders must still report it. Tax-exempt mutual funds provide this information annually and explain how to handle tax-exempt dividends on a state-by-state basis.
For some taxpayers, portions of income earned by tax-exempt funds may be subject to the federal alternative minimum tax. Tax professionals can advise investors on this issue. Finally, any gain realized from redeeming shares will be taxable.
What are taxable distributions from mutual funds?
Mutual funds make two basic types of taxable distributions to shareholders every year: ordinary dividends and capital gains distributions. These two types of distributions are reported differently on shareholders' income tax returns.
- Dividend distributions come primarily from the interest and dividends earned by the securities in the fund's portfolio after expenses. They also include net gains from the sale of securities held in the fund's portfolio for one year or less (short-term capital gains).
- Long-term capital gains distributions represent the fund's net gains from the sale of securities held in its portfolio for more than one year. When gains from these sales exceed losses, they are distributed to shareholders.
By February 15 of each year, mutual funds send Form 1099-DIV to most shareholders. This form indicates what earnings shareholders must report on their income tax returns. Shareholders report ordinary dividends as dividend income on tax returns. Capital gains distributions are reported as long-term capital gains, regardless of how long shareholders have owned fund shares.
What are the tax implications of selling or exchanging mutual fund shares?
When a shareholder sells mutual fund shares, he or she will have a capital gain or loss in the year the shares are sold. The shareholder is liable for tax on any capital gains arising from the sale, just as the shareholder would be if he or she sold individual securities. Capital losses may be used to offset other gains in the current year and thereafter.
An exchange of shares from one fund to another in the same fund family is taxed the same as if the shareholder sold the first fund's shares and purchased new shares in the second fund with the proceeds.
What is a mutual fund share's cost basis?
The amount of gain or loss on the sale of fund shares is determined by the difference between the "cost basis" of the shares (generally, the original purchase price) and the sale price. To figure the gain or loss on a sale of shares, it is essential to know the cost basis. Assuming no sales charges, the cost basis of a mutual fund share is simply the purchase price. If there were fees or commissions paid at the time of purchase, they are included in the basis.
For example, let's say a shareholder purchased 100 shares of Blue-Chip Plus Fund at $10 each and paid an up-front sales charge of 2 percent, or $20, on the purchase. The total cost of the transaction is $1,020. The cost basis for each share would be $10.20 ($1,020 divided by 100). If the shareholder later sells the 100 shares for $1,500, the capital gain will be $480 ($1,500 minus $1,020). If the shareholder reinvests dividends and capital gains distributions to buy more shares, he or she must include the cost of those shares in the cost basis of his or her account.
How important is recordkeeping in calculating taxes?
Recordkeeping is critical to calculating taxes due on mutual fund investments. To figure out gains and losses, shareholders need complete records of purchases and sales of fund shares. Fortunately, funds provide their investors with the records that they need to compute cost basis, and shareholders should keep all these records, such as periodic account statements and copies of IRS Form 1099.
In 2008, Congress passed a law that requires brokers and mutual funds to report—to shareholders and to the IRS—the shareholders' cost basis when shares are redeemed. This rule is effective for mutual fund and closed-end fund shares acquired on or after January 1, 2012. It applies to other equities purchased on or after January 1, 2011.
Beginning in 2012, brokers and funds are required to ask their shareholders to choose a basis determination method and to use that method to calculate basis when shares are redeemed from the shareholders' accounts. If a shareholder does not choose a method, the broker or fund applies its default method. When a shareholder redeems shares from an account, the broker reports to the shareholder and the IRS, on Form 1099-B, the gross proceeds from the sale, the cost basis of the shares redeemed, and whether any capital gain on the sale is long-term or short-term. Shareholders generally must use the information provided on the Form 1099-B when completing their tax returns.
These cost basis reporting rules only apply to fund shares acquired beginning in 2012. For shares acquired before 2012, many funds continue to voluntarily provide cost basis information to their shareholders. This information is not provided to the IRS, however, and shareholders are not required to use it when filing their tax returns.
The cost basis reporting requirements substantially change the rules for calculating cost basis on fund shares, including the timing of when a basis method must be chosen. Shareholders thus should consult their tax advisors before redeeming any shares.
What kinds of gains and losses can a fund have in its portfolio, and what are their tax implications for investors?
A mutual fund portfolio may contain four types of gains and losses—realized gains, unrealized gains, realized losses, and unrealized losses—when an investor purchases fund shares. Each type of gain and loss has a different impact on a fund shareholder.
What are realized and unrealized gains?
When the price of a security fluctuates, a fund or other investor holding that security has gains or losses. If the investor continues to hold the security, the gain or loss is said to be "unrealized." (Unrealized gains or losses are sometimes described as "paper" gains or losses.) When the investor sells the security, the gain or loss is "realized."
Under the tax laws, a fund distributes all gains that it has realized (from the sale of portfolio securities), net of realized losses. All shareholders are taxed on the amount of net gains distributed to them; these distributions are calculated under the tax laws on a per-share basis and are paid to all investors who hold the fund on the date of the distribution, regardless of when the gains or losses arose.
Unrealized gains have no immediate tax impact. Unrealized gains are reflected in the net asset value (NAV) of the fund—the price at which fund shares are bought and sold.
What are realized and unrealized losses?
Losses that a fund has realized from the sale of portfolio securities offset any gains realized by a fund. A fund is not required to distribute gains to investors until all losses are utilized fully.
Losses that are unrealized represent depreciation in the value of securities that a fund still holds. A fund that otherwise would be required to distribute capital gains can reduce or eliminate the distribution by selling the depreciated securities and using the realized losses to offset the otherwise distributable gains.
Is it true that mutual fund shareholders have to pay "someone else's taxes" if they buy fund shares at a certain time?
No—fund shareholders do not pay someone else's taxes. Every fund shareholder is taxed only on his or her own economic income over the life of the investment.
Shareholders purchase and sell a fund at the fund's net asset value (NAV), which is calculated daily. A fund accumulates realized and unrealized capital gains, interest, and dividends until it makes distributions. These gains and income increase the fund's NAV until they are distributed. A fund distribution reduces the fund's NAV; thus, amounts that are distributed reduce the gain (or increase the loss) that a shareholder realizes when fund shares later are sold.
Assume an investor purchases fund shares on Monday for $10 per share. The fund distributes a $1 capital gains dividend (attributable to previously realized gains accrued in the fund's NAV) on Tuesday. The $1 distribution reduces the fund's NAV to $9. If the investor sells the fund shares on Wednesday for $9, the investor will have no gain or loss.
- No economic gain or loss: The investor purchased the fund for $10, and received a $1 distribution and $9 upon the sale of the shares. Thus, the investor paid $10 and received $10, for no net gain or loss.
- No taxable gain or loss: The $1 of capital gains distributed (on which tax would be due) is offset fully by the $1 loss realized when the shares purchased for $10 are sold for $9. Thus, the investor has no taxable gain or loss.
For a more detailed illustration, consider the following two scenarios:
Scenario 1: Assume that Investor A bought 100 shares of a fund for $10 a share. The shares rose in value to $20. Investor A then sells her shares, and owes taxes on $1,000—the capital gain of $10 a share times 100 shares. Investor B buys 100 shares at the fund's new NAV of $20 a share, which includes the embedded gains. If the shares rise to $30 a share, and Investor B sells his shares, he would owe taxes on $1,000—the capital gain of $10 a share, times 100 shares. In other words, Investor A owes taxes on the $10 gain accrued while she owned the fund, and Investor B owes taxes on the $10 gain accrued while he is invested. Each shareholder is paying for his or her own gains earned.
Scenario 2: Now assume this same set of transactions occurs, except that the fund distributes its $10 accrued gain on the day after Investor B bought his shares at $20. Investor A still owes taxes on $1,000—the $10 gain on her shares, bought at $10 and sold at $20, times 100 shares. Investor B must now pay taxes on $1,000—the $10 per-share distribution, times 100 shares. The distribution reduces the fund's NAV to $10. If Investor B pays the taxes from other assets and reinvests the full amount of the $1,000 distribution, he will now own 200 shares. The first 100 shares were purchased at $20 a share, while the second 100 were purchased at $10 a share. Investor B's average cost basis for tax purposes is $15 a share.
The shares then rise by 50 percent, as in Scenario 1, to a new value of $15 a share. When investor B sells his 200 shares at $15 a share, for tax purposes he is treated as having purchased all those shares at his average cost basis of $15 per share. Thus, he has no new tax liability because he has already paid taxes on his own gain.
Is Investor B paying Investor A's taxes when he pays taxes on the $1,000 distribution? No. Investor A paid her own taxes on the $1,000 gain when she sold shares at $20 with a cost basis of $10; she delayed paying taxes until she sold. Investor B paid taxes on the $1,000 distribution up front, but owed no additional taxes when he sold his shares with the same price ($15) as his cost basis. Thus, he pays taxes only on the $1,000 that he earned while he owned the shares.
Compared to other forms of investments, the only issue with a mutual fund is the timing of the taxes paid, not the amount of taxes paid. Taxes may be paid sooner (if gains accrued before purchase are realized and distributed) or later (if losses accrued before purchase offset realized gains), but total taxes paid will be the same.
December 2013


text:
Billions for the Bankers, Debt for the People
The Real Story of the Money-Control Over America
by Pastor Sheldon Emry
"If the American people ever allow private banks to control the issue of their money, first by inflation and then by deflation, the banks and corporations that will grow up around them (around the banks), will deprive the people of their property until their children will wake up homeless on the continent their fathers conquered." —Thomas Jefferson
Americans, living in what is called the richest nation on earth, seem always to be short of money. Wives are working in unprecedented numbers, husbands hope for overtime hours to earn more, or take part-time jobs evenings and weekends, children look for odd jobs for spending money, the family debt climbs higher, and psychologists say one of the biggest causes of family quarrels and breakups is "arguments over money." Much of this trouble can be traced to our present "debt-money" system. Too few Americans realize why our founding fathers wrote into Article I of the U.S. Constitution: Congress shall have the Power to Coin Money and Regulate the Value Thereof.
They did this, as we will show, in prayerful hope it would prevent "love of money" from destroying the Republic they had founded. We shall see how subversion of Article I has brought upon us the horrors of which Jefferson had warned.
Economists use the term "create" when speaking of the process by which money comes into existence. Now, creation means making something that did not exist before. Lumbermen make boards from trees, workers build houses from lumber, and factories manufacture automobiles from metal, glass and other materials. But in all these they did not "create," they only changed existing materials into a more usable and, therefore, more valuable form. This is not so with money. Here, and here alone, man actually "creates" something out of nothing. A piece of paper of little value is printed so that it is worth a piece of lumber. With different figures it can buy the automobile or even the house. Its value has been "created" in the true meaning of the word
As is seen by the above, money is very cheap to make, and whoever does the "creating" of money in a nation can make a tremendous profit! Builders work hard to make a profit of 5% above their cost to build a house.
Auto makers sell their cars for 1% to 2% above the cost of manufacture and it is considered good business. But money "manufacturers" have no limit on their profits, since a few cents will print a $1 bill or a $10,000 bill.
That profit is part of our story, but first let us consider another unique characteristic of the thing – money, the love of which is the "root of all evil."
An adequate supply of money is indispensable to civilized society. We could forego many other things, but without money industry would grind to a halt, farms would become only self-sustaining units, surplus food would disappear, jobs requiring the work of more than one man or one family would remain undone, shipping, and large movements of goods would cease, hungry people would plunder and kill to remain alive, and all government except family or tribe would cease to function.
An overstatement, you say? Not at all. Money is the blood of civilized society, the means of all commercial trade except simple barter. It is the measure and the instrument by which one product is sold and another purchased. Remove money or even reduce the supply below that which is necessary to carry on current levels of trade, and the results are catastrophic. For an example, we need only look at America's Depression of the early 1930's.
THE BANKERS DEPRESSION OF THE 1930's
In 1930 America did not lack industrial capacity, fertile-farm land, skilled and willing workers or industrious farm families. It had an extensive and highly efficient transportation system in railroads, road networks, and inland and ocean waterways. Communications between regions and localities were the best in the world, utilizing telephone, teletype, radio, and a well-operated government mail system. No war had ravaged the cities or the countryside, no pestilence weakened the population, nor had famine stalked the land. The United States of America in 1930 lacked only one thing: an adequate supply of money to carry on trade and commerce. In the early 1930's, Bankers, the only source of new money and credit, deliberately refused loans to industries, stores and farms.
Payments on existing loans were required however, and money rapidly disappeared from circulation. Goods were available to be purchased, jobs waiting to be done, but the lack of money brought the nation to a standstill. By this simple ploy America was put in a "depression" and the greedy Bankers took possession of hundreds of thousands of farms, homes, and business properties. The people were told, "times are hard," and "money is short." Not understanding the system, they were cruelly robbed of their earnings, their savings, and their property.
World War II ended the "depression." The same Bankers who in the early 30's had no loans for peacetime houses, food and clothing, suddenly had unlimited billions to lend for Army barracks, K-rations and uniforms! A nation that in 1934 couldn't produce food for sale, suddenly could produce bombs to send free to Germany and Japan! (More on this riddle later.)
With the sudden increase in money, people were hired, farms sold their produce, factories went to two shifts, mines re-opened, and "The Great Depression" was over! Some politicians were blamed for it and others took credit for ending it. The truth is the lack of money (caused by the Bankers) brought on the depression, and adequate money ended it. The people were never told that simple truth and in this article we will endeavor to show how these same Bankers who control our money and credit have used their control to plunder America and place us in bondage.
When we can see the disastrous results of an artificially created shortage of money, we can better understand why our Founding Fathers insisted on placing the power to "create" money and the power to control it ONLY in the hands of the Federal Congress. They believed that ALL citizens should share in the profits of its "creation" and therefore the national government must be the ONLY creator of money. They further believed that ALL citizens, of whatever State or Territory, or station in life would benefit by an adequate and stable currency and therefore, the national government must also be, by law, the ONLY controller of the value of money.
Since the Federal Congress was the only legislative body subject to all the citizens at the ballot box, it was, to their minds, the only safe depository of so much profit and so much power. They wrote it out in the simple, but all-inclusive: "Congress shall have the Power to Coin Money and Regulate the Value Thereof."
Instead of the Constitutional method of creating our money and putting it into circulation, we now have an entirely unconstitutional system. This has resulted in almost disastrous conditions, as we shall see.
Since our money was handled both legally and illegally before 1913, we shall consider only the years following 1913, since from that year on, ALL of our money has been created and issued by an illegal method that will eventually destroy the United States if it is not changed. Prior to 1913, America was a prosperous, powerful, and growing nation, at peace with its neighbors and the envy of the world. But – in December of 1913, Congress, with many members away for the Christmas holidays, passed what has since been known as the FEDERAL RESERVE ACT. (For the full story of how this infamous legislation was forced through our Congress, read The Creature from Jekyll Island, by G. Edward Griffin or Conquest or Consent, by W. B. Vennard). Omitting the burdensome details, it simply authorized the establishment of a Federal Reserve Corporation, with a Board of Directors (The Federal Reserve Board) to run it, and the United States was divided into 12 Federal Reserve "Districts."
This simple, but terrible, law completely removed from Congress the right to "create" money or to have any control over its "creation," and gave that function to the Federal Reserve Corporation. This was done with appropriate fanfare and propaganda that this would "remove money from politics" (they didn't say "and therefore from the people's control") and prevent "Boom and Bust" from hurting our citizens. The people were not told then, and most still do not know today, that the Federal Reserve Corporation is a private corporation controlled by bankers and therefore is operated for the financial gain of the bankers over the people rather than for the good of the people. The word "Federal" was used only to deceive the people.
Since that "day of infamy," more disastrous to us than Pearl Harbor, the small group of "privileged" people who lend us "our" money have accrued to themselves all of the profits of printing our money' – and more! Since 1913 they have "created" tens of billions of dollars in money and credit, which, as their own personal property, they then lend to our government and our people at interest. "The rich get richer and the poor get poorer" had become the secret policy of our National Government. An example of the process of "creation" and its conversion to people's "debt" will aid our understanding.
We shall start with the need for money. The Federal Government, having spent more than it has taken from its citizens in taxes, needs, for the sake of illustration, $1,000,000,000. Since it does not have the money, and Congress has given away its authority to "create" it, the Government must go the "creators" for the $1 billion. But, the Federal Reserve, a private corporation, doesn't just give its money away! The Bankers are willing to deliver $1,000,000,000 in money or credit to the Federal Government in exchange for the Government's agreement to pay it back – with interest! So Congress authorizes the Treasury Department to print $1,000,000,000 in U.S. Bonds, which are then delivered to the Federal Reserve Bankers.
The Federal Reserve then pays the cost of printing the $1,000,000,000 (about $1,000) and makes the exchange. The Government then uses the money to pay its obligations. What are the results of this fantastic transaction? Well, $1 billion in Government bills are paid all right, but the Government has now indebted the people to the Bankers for $1 billion on which the people must pay interest! Tens of thousands of such transactions have taken place since 1913 so that by the 1980's, the U.S. Government is indebted. to the Bankers for over $1,000,000,000,000 (trillion) on which the people pay over $100 billion a year in interest alone with no hope of ever paying off the principal. Supposedly our children and following generations will pay forever and forever!
You say, "This is terrible!" Yes, it is, but we have shown only part of the sordid story. Under this unholy system, those United States Bonds have now become "assets" of the Banks in the Reserve System which they then use as "reserves" to "create" more "credit" to lend. Current "fractional reserve" requirements allow them to use that $1 billion in bonds to "create" as much as $15 billion in new "credit" to lend to States, Municipalities, to individuals and businesses. Added to the original $1 billion, they could have $16 billion of "created credit" out in loans paying them interest with their only cost being $1,000 for printing the original $1 billion! Since the U.S. Congress has not issued Constitutional money since 1863 (over 100 years), in order for the people to have money to carry on trade and commerce they are forced to borrow the "created credit" of the Monopoly Bankers and pay them usury-interest!
In addition to the vast wealth drawn to them through this almost unlimited usury, the Bankers who control the money at the top are able to approve or disapprove large loans to large and successful corporations to the extent that refusal of a loan will bring about a reduction in the price that that Corporation's stock sells for on the market. After depressing the price, the Bankers' agents buy large blocks of the stock, after which the sometimes multi-million dollar loan is approved, the stock rises, and is then sold for a profit. In this manner billions of dollars are made with which to buy more stock. This practice is so refined today that the Federal Reserve Board need only announce to the newspapers an increase or decrease in their "rediscount rate" to send stocks up and down as they wish. Using this method since 1913, the Bankers and their agents have purchased secret or open control of almost every large corporation in America. Using that control, they then force the corporations to borrow huge sums from their banks so that corporation earnings are siphoned off in the form of interest to the banks. This leaves little as actual "profits" which can be paid as dividends and explains why stock prices are often depressed, while the banks reap billions in interest from corporate loans. In effect, the bankers get almost all of the profits, while individual stockholders are left holding the bag.
The millions of working families of America are now indebted to the few thousand Banking Families for twice the assessed value of the entire United States. And these Banking Families obtained that debt against us for the cost of paper, ink, and bookkeeping!
The only way new money (which is not true money, but is "credit" representing a debt), goes into circulation in America is when it is borrowed from Bankers. When the State and people borrow large sums, we seem to prosper. However, the Bankers "create" only the amount of the principal of each loan, never the extra amount needed to pay the interest. Therefore. the new money never equals the new debt added. The amounts needed to pay the interest on loans is not "created," and therefore does not exist!
Under this kind of a system, where new debt always exceeds the new money no matter how much or how little is borrowed, the total debt increasingly outstrips the amount of money available to pay the debt. The people can never, ever get out of debt!
An example will show the viciousness of this usury-debt system with its "built-in" shortage of money.
IF $60,000 IS BORROWED, $255,931.20 MUST BE PAID BACK When a citizen goes to a Banker to borrow $60,000 to purchase a home or a farm, the Bank clerk has the borrower agree to pay back the loan plus interest. At 14% interest for 30 years, the Borrower must agree to pay $710.92 per month for a total of $255,931.20. The clerk then requires the citizen to assign to the Banker the right of ownership of the property if the Borrower does not make the required payments. The Bank clerk then gives the Borrower a $60,000 check or a $60,000 deposit slip crediting the Borrower's checking account with $60,000.
The Borrower then writes checks to the builder, subcontractors, etc., who in turn write checks. $60,000 of new "checkbook" money is thereby added to "money in circulation."
However, and this is the fatal flaw in a usury system, the only new money created and put into circulation is the amount of the loan, $60,000. The money to pay the interest is NOT created, and therefore was NOT added to "money in circulation."
Even so, this Borrower (and those who follow him in ownership of the property) must earn and TAKE OUT OF CIRCULATION $255,931, almost $200,000 MORE than he put IN CIRCULATION when he borrowed the original $60,000! (By the way, it is this interest which cheats all families out of nicer homes. It is not that they can't afford them; it is because the Banker's usury forces them to pay for 4 homes to get one!)
Every new loan puts the same process in operation. Each borrower adds a small sum to the total money supply when he borrows, but the payments on the loan (because of interest) then deduct a much LARGER sum from the total money supply.
There is therefore no way all debtors can pay off the money-lenders. As they pay the principal and interest, the money in circulation disappears. All they can do is struggle against each other, borrowing more and more from the money-lenders each generation. The money-lenders (Bankers), who produce nothing of value, slowly, then more rapidly, gain a death grip on the land, buildings, and present and future earnings of the whole working population.
If you haven't quite grasped the impact of the above, let us consider a small auto loan for 3 years at 18% interest. Step 1: Citizen borrows $5,000 and pays it into circulation (it goes to the dealer, factory, miner, etc.) and signs a note agreeing to pay the Banker $6,500. Step 2: Citizen pays $180 per month of his earnings to the Banker. In 3 years he will take OUT of circulation $1,500 more than he put IN circulation.
Every loan of Banker "created" money (credit) causes the same thing to happen. Since this has happened millions of times since 1913 (and continues today), you can see why America has gone from a prosperous, debt-free nation to a debt-ridden nation where practically every home, farm and business is paying usury-tribute to some Banker. The usury-tribute to the Bankers on personal, local, State and Federal debt totals more than the combined earnings of 25% of the working people. Soon it will be 50% and continue up.
In the millions of transactions made each year like those above, little actual currency changes hands, nor is it necessary that it do so. 95% of all "cash" transactions in the U.S. are by check, so the Banker is perfectly safe in "creating" that so-called "loan" by writing the check or deposit slip, not against actual money, but AGAINST YOUR PROMISE TO PAY IT BACK! The cost to him is paper, ink and a few dollars in salaries and office costs for each transaction. It is "check-kiting" on an enormous scale. The profits increase rapidly, year after year, as shown below.
These are a few taken from Arizona newspapers in January, 1979.
Valley Bank posts 49% gain in profits
Gains of 49 percent in net income and 51 percent in operating income were posted last year by Valley National Bank.
Those gains brought net income to $33,969,-000′ in the year ended Dec..31 and operating income to $34,459.000. The year before those totals were $22,836.000 and $22,807,000 respectively.
Bank's profits rise 21%
Arizona Bank announced on Monday it had achieved a 21.2 percent increase in net income in 1978 over 1977. On the basis of operating income, excluding the 1977 sale of the Arizona Bank Building for $l,336,369, the bank said the increase was 43.9 percent.Tostenrud said loans and deposits increased in the last year: Deposits 18.8 percent to $1.353 billion and loans 21.9 percent to $951 million.
In 1910 the U.S. Federal debt was only $1 billion, or $12.40 per citizen. State and local debts were practically non-existent.
By 1920, after only 6 years of Federal Reserve shenanigans, the Federal debt had jumped to $24 billion, or $226 per person.
In 1960 the Federal debt reached $284 billion, or $1,575 per citizen and State and local debts were mushrooming.
By 1981 the Federal debt passed $1 trillion and was growing exponentially as the Banker's tripled the interest rates. State and local debts are now MORE than the Federal, and with business and personal debts totaled over $6 trillion, 3 times the value of all land and buildings in America.
If we signed over to the money-leaders all of America we would still owe them 2 more Americas (plus their usury, of course!)
However, they are too cunning to take title to everything. They will instead leave you with some "illusion of ownership" so you and your children will continue to work and pay the Bankers more of your earnings on ever-increasing debts. The "establishment" has captured our people with their ungodly system of usury and debt as certainly as if they had marched in with a uniformed army.
To grasp the truth that periodic withdrawal of money through interest payments will inexorably transfer all wealth in the nation to the receiver of interest, imagine yourself in a poker or dice game where everyone must buy the chips (the medium of exchange) from a "banker" who does not risk chips in the game, but watches the table and every hour reaches in and takes 10% to 15% of all the chips on the table. As the game goes on, the amount of chips in the possession of each player will go up and down with his "luck."
However, the TOTAL number of chips available to play the game (carry on trade and business) will decrease rapidly.
The game will get low on chips, and some will run out. If they want to continue to play, they must buy or borrow them from the "banker." The "banker" will sell (lend) them ONLY if the player signs a "mortgage" agreeing to give the "banker" some real property (car, home, farm, business, etc.) if he cannot make periodic payments to pay back all of the chips plus some EXTRA ones (interest). The payments must be made on time, whether he wins (makes a profit) or not.
It is easy to see that no matter how skillfully they play, eventually the "banker" will end up with all of his original chips back, and except for the very best players, the rest, if they stay in long enough, will lose to the "banker" their homes, their farms, their businesses, perhaps even their cars, watches, rings, and the shirts off their backs!
Our real-life situation is MUCH WORSE than any poker game. In a poker game none is forced to go into debt, and anyone can quit at any time and keep whatever he still has. But in real life, even if we borrow little ourselves from the Bankers, the local, State, and Federal governments borrow billions in our name, squander it, then confiscate our earnings from us and pay it back to the Bankers with interest. We are forced to play the game, and none can leave except by death. We pay as long as we live, and our children pay after we die. If we cannot pay, the same government sends the police to take our property and give it to the Bankers. The Bankers risk nothing in the game; they just collect their percentage and "win it all." In Las Vegas and at other gambling centers, all games are "rigged" to pay the owner a percentage, and they rake in millions. The Federal Reserve Bankers' "game" is also rigged, and it pays off in billions!
In recent years Bankers added real "cards" to their 'game. "Credit" cards are promoted as a convenience and a great boon to trade. Actually, they are ingenious devices by which Bankers collect 2% to 5% of every retail sale from the seller and 18% interest from buyers. A real "stacked" deck!
Democrat, Republican, and Independent voters who have wondered why politicians always spend more tax money than they take in should now see the reason. When they begin to study our "debt-money" system, they soon realize that these politicians are not the agents of the people but are the agents of the Bankers, for whom they plan ways to place the people further-in debt. It takes only a little imagination to see that if Congress had been "creating," and spending or issuing into circulation the necessary increase in the money supply, THERE WOULD BE NO NATIONAL DEBT, and the over $4 Trillion of other debts would be practically non-existent. Since there would be no ORIGINAL cost of money except printing, and no CONTINUING costs such as interest, Federal taxes would be almost nil. Money, once in circulation, would remain their and go on serving its purpose as a medium of exchange for generation after generation and century after century, just as coins do now, with NO payments to the Bankers whatever!
But instead of peace and debt-free prosperity, we have ever-mounting debt and periodic wars. We as a people are now ruled by a system of Banker-owned Mammon that has usurped the mantle of government, disguised itself as our legitimate government, and set about to pauperize and control our people. It is now a centralized, all-powerful political apparatus whose main purposes are promoting war, spending the peoples' money, and propagandizing to perpetuate itself in power. Our two large political parties have become its servants, the various departments of government its spending agencies, and the Internal Revenue its collection agency.
Unknown to the people, it operates in close cooperation with similar apparatuses in other nations. which are also disguised as "governments." Some, we are told, are friends. Some, we are told, are enemies. "Enemies" are built up through international manipulations and used to frighten the American people into going billions of dollars more into debt to the Bankers for "military preparedness," "foreign aid to stop communism," "minority rights," etc. Citizens, deliberately confused by brainwashing propaganda, watch helplessly while our politicians give our food, goods, and money to Banker-controlled alien governments under the guise of "better relations" and "easing tensions." Our Banker-controlled government takes our finest and bravest sons and sends them into foreign wars with obsolete equipment and inadequate training, where tens of thousands are murdered, and hundreds of thousands are crippled. Other thousands are morally corrupted, addicted to drugs, and infected with venereal and other diseases, which they bring back to the United States. When the "war" is over, we have gained nothing, but we are scores of billions of dollars more in debt to the Bankers, which was the reason for the "war" in the first place!
The profits from these massive debts have been used to erect a complete and almost hidden economic and political colossus over our nation. They keep telling us they are trying to do us "good," when in truth they work to bring harm and injury to our people. These would-be despots know it is easier to control and rob an ill, poorly-educated and confused people than it is a healthy and intelligent population, so they deliberately prevent real cures for diseases, they degrade our educational systems, and they stir up social and racial unrest. For the same reason they favor drug use, alcohol, sexual promiscuity, abortion, pornography, and crime. Everything which debilitates the minds and bodies of the people is secretly encouraged, as it makes the people less able to oppose them or even to understand what is being done to them.
Family, morals, love of Country, the Christian religion, all that is honorable is being swept away, while they try to build their new, subservient man. Our new "rulers" are trying to change our whole racial, social, religious, and political order, but they will not change the debt-money economic system by which they rob and rule. Our people have become tenants and "debt-slaves" to the Bankers and their agents in the land our fathers conquered. It is conquest through the most gigantic fraud and swindle in the history of mankind. And we remind you again: The key to their wealth and power over us is their ability to create "money" out of nothing and lend it to us at interest. If they had not been allowed to do that, they would never have gained secret control of our nation. "The rich ruleth over the poor, and the borrower is servant to the lender" (Proverbs 22:7).
Let us now consider the correct method of providing the medium of exchange (money) needed by our people.
History tells us of debt-free and interest-free money issued by governments. The American colonies did it in the 1700's and their wealth soon rivaled England and brought restrictions from Parliament, which led to the Revolutionary War. Abraham Lincoln did it in 1863 to help finance the Civil War. He was later assassinated by an agent of the Rothschild Bank. No debt-free or interest-free money has been issued in America since then. Several Arab nations issue interest-free loans to their citizens today. The Saracen Empire for bad interest on money for 1,000 years, and its wealth outshone even Saxon Europe. Mandarin China issued its own money, interest-free and debt-free, and historians and collectors of art today consider those centuries to be China's time of greatest wealth, culture and peace.
Germany issued debt-free and interest-free money from 1935 and on, accounting for its startling rise from the depression to a world power in 5 years. Germany financed its entire government and war operation from 1935 to 1945 without debt, and it took the whole Capitalist and Communist world to destroy the German power over Europe and bring Europe back under the heel of the Bankers. Such history of money does not even appear in the textbooks of public (government) schools today.
Issuing money which doesn't have to be paid back in interest leaves the money available to use in the exchange of goods and services and its only continuing cost is replacement as the paper wears out. Money is the paper ticket by which such transfers are made and should always be in sufficient quantity to transfer all possible production of the nation to ultimate consumers.
It is as ridiculous for a nation to say to its citizens, "You must consume less because we are short of money," as it would be for an Airline to say "Our planes are flying, but we can't take you because we are short of tickets."
Under the present debt-usury system, the extra burden of usury forces workers and businesses to demand more money for the work and goods to pay their ever-increasing debts and taxes. This increase in prices and wages is called "inflation." Bankers, politicians and "economists" blame it on everything but the real cause, which is the usury levied on money and debt by the Bankers. This "inflation" benefits the money-lenders, since it wipes out savings of one generation so they cannot finance or help the next generation, who must then borrow from the money-lenders, and pay a large part of their life's labor to the usurer.
With an adequate supply of interest-free money, little borrowing would be required and prices would be established by people and goods, not by debts and usury.
If the Federal Congress failed to act, or acted wrongly, in the supply of money, the citizens would use the ballot or recall petition to replace those who prevented correct action with others whom the people believe would pursue a better money policy. Since the creation of money and its issuance in sufficient quantity would be one of the few functions of Congress, the voter could decide on a candidate by his stand on money, instead of the hundreds of lesser, and deliberately confusing, subjects which are presented to us today. And since money is, and would remain, a national function, local differences or local factions would not be able to sway the people from the nation's (citizens') interest. All other problems, except the nation's defense, would be taken care of in the State, County, or City governments where they are best handled and most easily corrected.
An adequate national defense would be provided by the same citizen-controlled Congress, and there would be no Bankers behind the scenes, bribing politicians to give $200 billion of American military equipment to other nations, disarming us, while alien nations prepare to attack and invade the United States of America.
With debt-free and interest-free money, there would be no high and confiscatory taxation, our homes would be mortgage free with no $10,000-a-year payments to the Bankers, nor would they get $1,000 to $2,500 per year from every automobile on our roads. We would need no "easy payment" plans, "revolving" charge accounts, loans to pay medical or hospital bills, loans to pay taxes, loans to pay for burials, loans to pay loans, nor any of the thousand and one usury-bearing loans which now suck the life-blood of American families. There would be no unemployment, divorces caused by debt, destitute old people, or mounting crime, and even the so-called "deprived" classes would be deprived of neither job nor money to buy the necessities of life.
Criminals could not become politicians, nor would politicians become criminals in the pay of the Money-lenders. Our officials, at all government levels, would be working for the people instead of devising means to spend more money to place us further in debt to the Bankers. We would get out of the entangling foreign alliances that have engulfed us in four major wars and scores of minor wars since the Federal Reserve Act was passed, alliances which are now used to prevent America from preparing her own defense in the face of mounting danger from alien powers.
A debt-free America would mean mothers would not have to work. With mother at home, juvenile delinquency would decrease rapidly. The elimination of the usury and debt would be the equivalent of a 50% raise in the purchasing power of every worker. With this cancellation of all debts, the return to the people of all the property and wealth the parasitic Bankers and their quasi-legal agents have stolen by usury and fraud, and the ending of their theft of $300 Billion (or more) every year from the people, America would be prosperous and powerful beyond the wildest dreams of its citizens today. And we would be at peace! (For a Bible example of cancellation of debts to money lenders and restoration of property and money to the people, read Nehemiah 5: 1-13.)
We realize this small, and necessarily incomplete, article on money may be charged with oversimplification. Some may say that if it is that simple the people would have known about it, and it could not have happened. But this MONEY-LENDERS' consPIRACY is as old as Babylon, and even in America it dates far back before the year 1913. Actually, 1913 may be considered the year in which their previous plans came to fruition, and the way opened for complete economic conquest of our people. The consPIRACY is old enough in America so that its agents have been, for many years, in positions such as newspaper publishers, editors, columnists, church ministers, university presidents, professors, textbook writers, labor union leaders, movie makers, radio and TV commentators, politicians from school board members to U.S. presidents, and many others.
These agents control the information available to our people. They manipulate public opinion, elect whom they will locally and nationally, and never expose the crooked money system. They promote school bonds, municipal bonds, expensive and detrimental farm programs, "urban renewal," foreign aid, and many other schemes which will put the people more into debt to the Bankers. Thoughtful citizens wonder why billions are spent on one program and billions on another which may duplicate it or even nullify it, such as paying some farmers not to raise crops, while at the same time building dams or canals to irrigate more farm land. Crazy or stupid? Neither. The goal is more debt. Thousand of government-sponsored ways to waste money go on continually. Most make no sense, but they are never exposed for what they really are, builders of "billions for the bankers and debts for the people."
So-called "economic experts" write syndicated columns in hundreds of newspapers, craftily designed to prevent the people from learning the simple truth about our money system. Commentators on radio and TV, preachers, educators, and politicians blame the people as wasteful, lazy, or, spend-thrift, and blame the workers, and consumers for the increase in debts and the inflation of prices, when they know the cause is the debt-money system itself. Our people are literally drowned in charges and counter-charges designed to confuse them and keep them from understanding the unconstitutional and evil money-system that is so efficiently and silently robbing the farmers, the workers, and the businessmen of the fruits of their labors and of their freedoms.
When some few Patriotic people or organizations who know the truth begin to expose them or try to stop any of their mad schemes, they are ridiculed and smeared as "right-wing extremists," "super-patriots," "ultra-rightists," "bigots," "racists," even "fascists" and "anti-Semites." Any name is used which will cause them to shut up or will at least stop other people from listening to the warning they are giving. Articles and books such as you are now reading are kept out of schools, libraries, and book stores.
Some, who are especially vocal in their exposure of the treason against our people, are harassed by government agencies such as the EPA, OSHA, the IRS, and others, causing them financial loss or bankruptcy. Using the above methods, they have been completely successful in preventing most Americans from learning the things you have read in this pamphlet. However, in spite of their control of information, they realize many citizens are learning the truth. Therefore, to prevent violence or armed resistance to their plunder of America, they plan to register all firearms and eventually to disarm all citizens. They have to eliminate most guns, except those in the hands of their government police and army.
The "almost hidden" conspirators in politics, religion, education, entertainment, and the news media are working for a Banker-owned United States in a Banker-owned world under a Banker-owned World Governments!
Love of Country and concern for your children should make you deeply interested in this, America's greatest problem, for our generation has not suffered under the "yoke" as the coming generations will. Usury and taxes will continue to take a larger and larger part of the annual earnings of the people and put them into the pockets of the Bankers and their political Agents. Increasing "government" regulations will prevent citizen protest and opposition to their control. Is it possible that your grandchildren will own neither home nor car, but will live in "government-owned" apartments and ride to work in "government-owned" buses (both paying usury to the Bankers), AND BE ALLOWED TO KEEP JUST ENOUGH OF THEIR EARNINGS TO BUY A MINIMUM OF FOOD AND CLOTHING while their Rulers wallow in luxury? In Asia and eastern Europe it is called "communism;" in America it is called "Democracy" and "Capitalism."
America will not shake off her Banker-controlled dictatorship as long as the people are ignorant of the hidden controllers. International financiers, who control most of the governments of the nations, and most sources of information, seem to have us completely within their grasp. They are afraid of only one thing: an awakened Patriotic Citizenry, armed with the truth, and with a trust, in Almighty God for deliverance. This article has given you the truth about their iniquitous system. What you do with it is in your hands.
The Federal Reserve has never been audited by the government since it took over our money and credit in 1913. In 1975 a bill, H.R. 4316, to require an audit was introduced in Congress.
During the April, 1975 hearings, this author submitted a statement favoring the audit, as did many others. Due to pressure from the money controllers, it was not passed. No audit of the Fed has ever been made.
Why haven't they told you about this scandal – the greatest fraud in history which has caused Americans and others to spill oceans of blood, pay trillions of dollars interest on fraudulent loans and burden themselves with unnecessary taxes?
Who are "they"? "They" are most of the politicians of the two old parties and elected officials. Most "educational" groups like the League of Women Voters, the Heritage Foundation and the American Civil Liberties Union (ACLU). All mainstream news services, such as the Associated Press and the United Press International. All mainstream daily newspapers, including the New York Times and Los Angeles Times. All mainstream weekly "news" magazines, such as "Time" and "Newsweek." All of the above and more have been hiding the truth from you.
ALAN GREENSPAN: "In the absence of the gold standard, there is no way to protect savings from confiscation through inflation. … This is the shabby secret of the welfare statists' tirades against gold. Deficit spending is simply a scheme for the confiscation of wealth. Gold stands in the way of this insidious process. It stands as a protector of property rights. If one grasps this, one has no difficulty in understanding the statists' antagonism toward the gold standard."
PRESIDENT THOMAS JEFFERSON: "The system of banking [is] a blot left in all our Constitutions, which, if not covered, will end in their destruction… I sincerely believe that banking institutions are more dangerous than standing armies; and that the principle of spending money to be paid by posterity… is but swindling futurity on a large scale."
PRESIDENT JAMES A. GARFIELD: "Whoever controls the volume of money in any country is absolute master of all industry and commerce".
CONGRESSMAN LOUIS McFADDEN: "The Federal Reserve(Banks) are one of the most corrupt institutions the world has ever seen. There is not a man within the sound of my voice who does not know that this Nation is run by the International Bankers".
HORACE GREELEY: "While boasting of our noble deeds were careful to conceal the ugly fact that by an iniquitous money system we have nationalized a system of oppression which, though more refined, is not less cruel than the old system of chattel slavery.
THOMAS A. EDISON: "People who will not turn a shovel full of dirt on the project (Muscle Shoals Dam) nor contribute a pound of material, will collect more money from the United States than will the People who supply all the material and do all the work. This is the terrible thing about interest …But here is the point: If the Nation can issue a dollar bond it can issue a dollar bill. The element that makes the bond good makes the bill good also. The difference between the bond and the bill is that the bond lets the money broker collect twice the amount of the bond and an additional 20%. Whereas the currency, the honest sort provided by the Constitution pays nobody but those who contribute in some useful way. It is absurd to say our Country can issue bonds and cannot issue currency. Both are promises to pay, but one fattens the usurer and the other helps the People."
PRESIDENT WOODROW WILSON: "A great industrial Nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the Nation and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the world – no longer a Government of free opinion no longer a Government by conviction and vote of the majority, but a Government by the opinion and duress of small groups of dominant men". (Just before he died, Wilson is reported to have stated to friends that he had been "deceived" and that "I have betrayed my Country". He referred to the Federal Reserve Act passed during his Presidency.)
SIR JOSIAH STAMP,(President of the Bank of England in the 1920's, the second richest man in Britain): "Banking was conceived in iniquity and was born in sin. The Bankers own the earth. Take it away from them, but leave them the power to create deposits, and with the flick of the pen they will create enough deposits to buy it back again. However, take it away from them, and all the great fortunes like mine will disappear and they ought to disappear, for this would be a happier and better world to live in. But, if you wish to remain the slaves of Bankers and pay the cost of your own slavery, let them continue to create deposits".
MAJOR L .L. B. ANGUS: "The modern Banking system manufactures money out of nothing. The process is perhaps the most astounding piece of sleight of hand that was ever invented. Banks can in fact inflate, mint and unmint the modern ledger-entry currency".
RALPH M. HAWTREY (Former Secretary of the British Treasury): "Banks lend by creating credit. They create the means of payment out of nothing".
ROBERT HEMPHILL (Credit Manager of Federal Reserve Bank, Atlanta, Ga.): "This is a staggering thought. We are completely dependent on the commercial Banks. Someone has to borrow every dollar we have in circulation, cash or credit. If the Banks create ample synthetic money we are prosperous; if not, we starve. We are absolutely without a permanent money system. When one gets a complete grasp of the picture, the tragic absurdity of our hopeless position is almost incredible, but there it is. It is the most important subject intelligent persons can investigate and reflect upon. It is so important that our present civilization may collapse unless it becomes widely understood and the defects remedied very soon".
This study on money is not copyrighted. It may be reproduced in whole or in part for the purpose of helping the American people.
- No categories


text:
Herbatint (FF4-Violet) Herbal Hair Color
Herbatint (FF4-Violet) Herbal Hair Color
Herbatint will appeal to people who are experienced at hair coloring as well as those who want to try coloring their hair for the first time. They are available in 30 permanent shades that stay until grown out.
It is the first, most natural alternative hair coloring gel to be free of harsh chemicals and ammonia. It incorporates proteins, botanicals and natural vegetal extracts; nutrients that give hair deep, natural shine and vibrant, healthy color. It provides nourishment, protection and conditioning to both hair and scalp.
It offers a safe, gentle and effective way for covering grey hair with just 1 application. For long hair (shoulder length), use complete contents of package. For medium to short hair, content should be sufficient for two applications.


text:
If you are the high energy type, no requirement to go into the library to receive a girl. Your girl is not in the library or perhaps the laboratory; she is out there having involved. It is common knowledge that along with high energy get along pretty well in a relationship. They love to hang out, go in order to some party, go to the beach, perhaps have a good time outdoor. So how can you find and pick your own dream girl among the bunch in the club or possibly the dance surface. I'll show you some very easy ways you can get about that.
One place lots cash is spent is on soda, coffee, and similar drinks especially if in place of work. I put a little mini refrigerator, about 30 dollars, around my office fuel tank buy sodas by scenario from Sams club as an alternative to across the road now. It paid for itself in about 6 weeks, and the soda could be the same! No compromises suitable here.
Membership while using club entitles you several free monthly copy of the Beer of the Month Club newsletter at no extra costs. Through this newsletter, you can establish a network or meet new friends who share the same passion because. The newsletter is yet another venue to obtain valuable information on where to get the best beer all around the world. In short, all of the necessary history that you'll want to know relating to your best Drink Club bud in order to be made available.
Portability: Another gain to fold up poker tables above the permanent ones is may well transportable. You might fold them up and take these types of a game at a friend's shop. I should advise you however maybe extremely heavy so this is a two man task. Also because associated with the size you'll require a truck or big SUV basically because they normally will not fit in the trunk of a particular car pesticides back seat, even the bi-fold a person's.
In relation to nibbles, include nothing distinct. They've got the usual; salt and pepper Drink Club calamari, satay prawn skewers and the best smoked salmon crostini with cream cheese and dill. It's like an elaborate sambo straight of a bakery in Rome! Unique though, is the Moroccan lamb pizza. It's topped with chunky potatoes, rosemary and eggplant puree.
This drug won't make everyone pleasant. The drug trade won't like losing its business to comfortable drink. Regular beer and soda makers won't have the capability to contend with our souped-up thirst quencher, but hey, innovation precisely what makes the united states great. Maybe those individuals the never ending, "War on Drugs," won't be big fans either. All I can tell to them is, at least now the only one addicting substance to concern yourself instead of three.
Girls rarely come for the club about the own; so watch out for when she is alone. maybe at the bar getting a drink. Be swift and pounce on top of the opportunity must her out doors. Make it brief and straight until. 셔츠룸 don't need to keep her outside of the her friends for lengthy time.


text:
Free evaluation
Free quotes
Satisfaction Guaranteed
Catch possums, rabbits and other wild animal pests safely and humanely with our Havahart® 1084 Easy-Set® live animal cage trap. Havahart® cage traps are a safe and humane way to get rid of unwanted pests. Havahart® is the most innovative brand in wild animal control and has been recognized and trusted by consumers for over 60 years! We have Havahart traps that can be used to catch anything from a tiny mouse to a small dog.
The Havahart® 1084 Easy-Set® live animal trap is made of sturdy metal with a spring loaded door that securely locks. The trap is made of heavy-gauge sheet steel, and sturdy wire mesh. All Havahart® traps are galvanized for long life, maximum resistance to rust, corrosion and wear.
The Havahart® 1084 live animal cage trap has been designed to provide many years of reliable service. It is made of galvanized wire mesh with steel reinforcements.
Havahart 1084, medium-size trap: 24 x 7 x 7 inch ( 61.0 x 17.8 x 17.8 cm )
Pest and nuisance animals: Ideal to catch possums, rabbits and others.
Uses: Use in gardens, yards, farm fields, garages, basements, camp sites, warehouses, commercial facilities, food establishments, homes and offices, kitchens, boats, sheds and others.
Release/ Relocation of Captured Animals
Caution: DO NOT ATTEMPT TO HANDLE CAPTURED ANIMALS. DO NOT LEAVE CHILDREN UNATTENDED NEAR A CAPTURED ANIMAL.


text:
Video/audio recording on Shopping Carts
If you sell items as gifts, your shopping cart will obviously have a textarea where shoppers write a gift text message for the recipient.
Ecardify Add-On will add two buttons at the bottom of the textarea, giving your shoppers the option of recording a video or audio, like singing "Happy Birthday to you".
Shoppers will also have the option of protecting their message with question/answer, making it totally private and confidential.
To some people the confidentiality of their message can be very important.
Value to your Business
Happier current customers
When ordering gifts, shoppers don't just send goods, they send their feelings, and the message on the card is the heart of it.
You will give them exciting options that before Ecardify, never existed.
New future customers
When shoppers opts for video/audio/text digital enclosure cards, recipients will view the card in your web site, thus identifying your business and becoming a prospective customer.
If you are a flower/gift service, you can almost double your customer base.
Value to your Customers
More options of expressing themselves
Shoppers will be able to enhance their message with occasion specific styling, recording live video or audio message, selecting sound tracks by occasion, getting message suggestions, making use of emojis, writing as long as they wish and more.
Privacy and confidentiality
When shoppers opt for video/audio/text digital enclosure cards, the message will be private, neither your staff nor the dropshipper will read it.
Shoppers can even encrypt the message with a question and answer.
Value to your Dropshippers
Simpler processes
Ecardify simplifies and automates the processes of enclosure paper card handling and message printing.
When shoppers opt for video/audio/text digital enclosure cards, dropshippers will only write down a short link by hand, or the system will automatically print the text and the QR Code.
Super easy to get started
Sign up
Sign up for the free plan.
It is good enough for many small to mid-size shops. -
Copy and paste
Reference Ecardify javascript file, in the HTML page where shoppers enter the gift message.
Configure your account by customizing behavior, styling, wording, i18n and more. All through a simple UI.
Compatible with every Website and Shopping Cart application on earth. Ecardify's Add-On integrates seamlessly on the background, without affecting existing web page flows. For the convenience of Shopify sites, we will soon release our Shopify App.