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Articles about Victimless Crime – philly-archives

Posted: September 22, 2016 at 8:01 pm

NEWS

August 20, 2010 | By STEPHANIE FARR, farrs@phillynews.com 215-854-4225

A few unhappy endings occurred around Philadelphia International Airport Wednesday, and it had nothing to do with missed connections. Police arrested nine people in a prostitution sting using Craigslist and City Paper advertisements to target hookers who frequent airport hotels. Capt. Dan MacDonald III, commanding officer of the 12th District, which covers Southwest Philadelphia and the airport, said that there’s been an uptick in crime at airport hotels over the last six to eight months that can be linked to prostitution.

NEWS

October 18, 2008 | By Emilie Lounsberry INQUIRER STAFF WRITER

Jocelyn S. Kirsch – half of Philadelphia’s infamous pair of identity-theft scammers known as “Bonnie and Clyde” – was sentenced yesterday to five years in prison by a judge who said her crimes were born of “greed and a desire to fuel a lavish lifestyle. ” Kirsch, 23, had benefited from “the best that America can offer – good schools, an opportunity to grow up in a safe environment,” said U.S. District Judge Eduardo C. Robreno. And yet she “visited harm on at least 50 victims,” many of them friends and colleagues.

NEWS

June 13, 2008 | By Suzette Parmley INQUIRER STAFF WRITER

In what police said was a sign of what is to come, officers raided a purported house of prostitution in Chinatown yesterday and arrested four women. “We’ve gotten several complaints at this location before,” Chief Inspector William Colarulo said last night. “The mayor and the commissioner have vowed to crack down on quality-of-life issues in the city. “We will have zero tolerance for this type of activity,” he said, “and in light of Welcome America approaching, you will see frequent raids of these houses of prostitution that are thinly disguised as massage parlors.

NEWS

October 19, 2004 | By Murray Dubin INQUIRER STAFF WRITER

“So much pain is in this room,” said a solemn pastor yesterday, as sobs and shrieks pierced the funeral services for Marcella Coleman, 54, and her grandson, Tahj Porchea, 12. Those two victims, and four others, died Oct. 9 in a house fire at 3256 N. Sixth St. Police are investigating the deaths as homicides. About 800 friends and family members, seeking solace after an enormous loss, filled the Holy Ghost Headquarters Revival Center at Broad and Poplar Streets. White and yellow carnations covered two cream-colored closed caskets with gold trim.

NEWS

April 28, 2004

IWOULD like to thank Carla Anderson, the Urban Warrior, for hopefully cutting down on the number of prostitution arrests in Philadelphia. Prostitution is not a victimless crime. The victims are the people living in the neighborhoods where the crimes are taking place, who are neither buying nor soliciting this crime. If you cut down the demand, you will cut down the supply. By publishing pictures of the “johns,” she is not ruining lives. The people committing the crimes are ruining their loved ones’ lives, as well as their own. Keep at it, Carla – it is good to know that people care about the neighborhoods of Philly!

NEWS

February 17, 2004

HAVING sex in public only gets you the relatively minor charge of public lewdness in Philadelphia. As Homer Simpson would say: WooHoo! But before you start making your weekend plans, you might want to stay away from the Port Richmond area. Residents there are understandably fed-up with vans that are a-rockin’. As Daily News columnist Carla Anderson reported last week, working girls and their johns have suddenly discovered the curb appeal of the quiet residential streets in the middle-class neighborhood.

NEWS

September 22, 1999 | By Claude Lewis

When Tonight Show host Jay Leno is not having a particularly good response to his monologue, with a wink he sometimes makes a casual reference to the “world’s oldest profession. ” Comedians learn early in the game they can depend on getting a laugh at the mere mention of prostitution. But prostitution is anything but a laughing matter. Nor is it a victimless crime, as many argue. Nearly everybody involved in the trade suffers in one way or another. Mostly, it’s the women who walk the streets who experience the greatest degradation, who expose themselves to all sorts of risks ranging from abuse, sexually transmitted diseases (including AIDS)

NEWS

October 25, 1997

What would have been just another autumn Saturday in Philadelphia has the makings of a historic moment, thanks to the Million Woman March. Two compelling principles – self-determination and commitment to community – have drawn thousands of African-American women here for a day of reflection, celebration and renewal. It’s fitting that they’ve come to Philadelphia, where the ideals of democracy and individual freedom were the foundation for a new nation more than two centuries ago. Welcome to the marchers – expected to number at least several hundred thousand – and to the throngs of other guests expected this weekend.

NEWS

August 13, 1997

Why no arrests over phony car-stop reports? “Why no arrest for roadside lies?” (editorial Aug. 9): Why? Because believing African-Americans committed a crime is so readily accepted. The authorities are allowing these white people to get away with what they think is a victimless crime. You can tell this by what they said about “extenuating circumstances. ” What circumstances they never say. I do not think the crime is victimless. It only makes me wonder about the statistics in your other editorial that day, “The new prison boom.

NEWS

February 3, 1995 | By Richard Berkowitz, INQUIRER CORRESPONDENT

Those who patronize prostitutes in the borough may be getting some free and unwanted publicity. The Borough Council has moved a step closer to adopting a so-called John and Jane ordinance. Similar to an ordinance adopted in Philadelphia last year, it would provide for publishing the names and addresses of those convicted of patronizing or attempting to patronize prostitutes in the borough. The names would appear in a local newspaper. Council members at Wednesday night’s meeting unanimously approved publicly advertising the ordinance, a first step toward adoption.

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Articles about Victimless Crime – philly-archives

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Ron Paul Liberty Report – Home

Posted: at 7:42 pm

Do you really own something if the governmentforces youto make never-ending payments on it?

I think the answer is no.

Youpossesssuch an item, but you dontownit outright. Its an important distinction.

A ridiculous threat to property rights has infected most of the world like a virus. Most people unquestioningly accept it as a normal part of lifelike gravity or the sun setting in the west.

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Government seeks to help the poor, but only succeeds in hurting them even more. The same can be said for when government seeks to provide “paid maternity leave”. Once again, in its attempt to supposedly help women, it can only end up hurting them.

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Are you tired of the exhausting displays of political correctness in America? Can’t you just feel the liberty and ability to think freely being squeezed out of society? Did you ever wonder where it all came from? After all, there is nothing more powerful than ideas. How did we get here, and who has been behind it? Well, below you’ll find an extremely easy to understand presentation that will open your eyes. Make the time to watch it. You won’t regret it:

Today’s Liberty Report is joined by US Rep. Thomas Massie (R-KY) to discuss the state of the liberty movement both inside and outside of government. What can we do to make a difference? Streamed LIVE Sept 21, 2016

Just over a week after a ceasefire deal was announced by the US and Russia, the deal is a smoldering ruin. A US strike on Syrian forces, US-backed rebel groups that refuse to break with al-Qaeda, and an attack yesterday on a humanitarian aid convoy in Aleppo have obliterated any hopes for an end to the violence. What should the US do next? Streamed LIVE Sept 20, 2016

Has the surveillance state claimed the last bit of our privacy? Our lives are being stored at enormous “data centers” in the US and abroad. Everything we do, every transaction, every website we visit. This has nothing to do with terrorism and everything to do with control. Today’s Liberty Report is joined by former State Department official Peter Van Buren to discuss the surveillance state as so masterfully depicted in the recent Oliver Stone film, Snowden.Published Sept 19, 2016

As Hillary Clinton calls millions of Americans “irredeemable” and “deplorable,” Ron Paul explains why those terms apply to American politics itself. Gang warfare and a sprawling government enforcer wasn’t supposed to be the fate of the “land of the free.” There is a better way to live. Don’t miss today’s Myth-Busters! Publishes Sept 16, 2016

Yesterday US National Security Advisor Susan Rice signed a “memorandum of understanding” committing the US to providing $38 billion in military aid over the next ten years. Philip Giraldi joins today’s Liberty Report to break down the agreement and discuss whether it really does, as Rice claims, benefit US security. Streamed LIVE Sept 15, 2016

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Bahamas Map / Geography of Bahamas / Map of Bahamas …

Posted: September 10, 2016 at 5:33 am

Archeologists believe that Taino people from Cuba and the island of Hispaniola migrated into the southern reaches of the Bahamas in the 11th century.

Those first settlers, known as Lucayans, lived across some scattered islands in the Bahamas when Christopher Columbus arrived in 1492.

There are a few other claims, as well as unsubstantiated opinions, but it is now widely accepted that Christopher Columbus’s first landfall in this ‘New World’ was on the Bahamian island of San Salvador.

Like most other isolated islands, when the indigenous population had not been exposed to the outside world, diseases carried in by European explorers and their crew (unintentionally) decimated the local population; the same was true here for the Taino Indians.

Over the next century, or so, the Taino population was further decimated, as the islands became a major launching base for the Spanish conquest of the Caribbean, and they took the Taino with them as slaves.

Assorted factions from Europe (mainly from England) attempted to settle these islands in the early 17th century. In 1648, English Puritans established the first permanent European settlement on an island they named Eleuthera.

In 1670, England’s King Charles II literally rented the islands for trading purposes to a group of English nobles that were at the time governing British colonies in North America, such as Maryland, Carolina, and New Jersey.

Over the next half century, these low-lying islands, with many places to hide, became a haven for pirates and lawlessness.

To curb those problems, Britain transformed the Bahamas into a crown colony in 1718, one first governed by Woodes Rogers, an English sea captain and privateer.

During the American War of Independence, the British-controlled Bahamas were a frequent target of American naval forces; in fact, American forces once briefly occupied the capital city of Nassau.

After the new country of America gained its independence in the late 1770s, thousands of disgruntled British loyalists (complete with their slaves) moved to the Bahamas.

Across their remaining colonies, mainly because of pressures applied on the home-front, the British abolished the slave trade in 1807. Soon liberated African slavesdominated the population of the Bahamas.

Through the mid 20th century the British remained in control. Then in 1964, the islands were granted some levels of internal self-governing. Full independence came July 10, 1973.

Since that day the Bahamas have moved forward into prosperity. Today tourism is the major industry, and these stunning islands of gregarious people, beautiful scenery and sunny skies are one of the most popular cruise ship and vacation destinations on the planet. Bahamas which celebrates its national day on July 10th, has a population of 316,182 and gained its independence 1973.

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Bahamas Map / Geography of Bahamas / Map of Bahamas …

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Top Officials Want to Split Cyber Command From NSA

Posted: at 5:22 am

Director of National Intelligence (DNI) James Clapper testifies before a Senate Intelligence Committee hearing on “Worldwide threats to America and our allies” in Washington on February 9, 2016. REUTERS/Carlos Barria

“There is a pressing need to clarify the distinction between the combat and intelligence collection missionsBecause the two roles are complementary but distinct, the Director of NSA and the Commander of US Cyber Command in the future should not be the same person, the panel concluded.

But Obama decided against doing that.

“Following a thorough interagency review, the administration has decided that keeping the positions of NSA Director and Cyber Command commander together as one, dual-hatted position is the most effective approach to accomplishing both agencies’ missions,” White House spokeswoman Caitlin Hayden told the Washington Post at the time.

Now, officials have decided that separating the two agencies would be more efficient and better enable cyber command’s mission, officials said.

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The Ron Paul Institute for Peace and Prosperity – About Us

Posted: September 3, 2016 at 11:31 pm

The Ron Paul Institute for Peace and Prosperity is a project of Dr. Pauls Foundation for Rational Economics and Education (F.R.E.E.), founded in the 1970s as an educational organization. The Institute continues and expands Dr. Pauls lifetime of public advocacy for a peaceful foreign policy and the protection of civil liberties at home.

The Institute mobilizes colleagues and collaborators of Dr. Pauls to participate in a broad coalition to educate and advocate for fundamental changes in our foreign and domestic policy.

A prosperous America is profoundly linked to a foreign policy rooted in peaceful relations and trade with all. With peace, comes real prosperity.

Ron Pauls real legacy in his writing, teaching, and in politics is his success bringing people of very different backgrounds and perspectives together under the common cause of peace, individual liberties, and prosperity. His institute energetically continues this kind of coalition-building in all aspects of its work. The Institute board is itself one of the best examples of how broad a coalition can come together and work for the same shared goals and values.

First and foremost a resource for supporters, the Institute provides timely news and provocative analysis through its engaging website. Features such as Congress Alert and Neo-Con Watch bring to life the latest threats to our liberties at home and abroad in a capsule format. Longer features and press analysis, as well as blog posts, regularly appear, giving the Institute the character of an online magazine.

The Institute places special emphasis on education and on the next generations, with a foreign policy summer school for university students studying international affairs and journalism.

It will aggressively promote student writing on foreign affairs on its website and will launch a student writing award program to recognize the best of college journalism.

The Ron Paul Institute will provide the tools and the education to chart a new course with the understanding that only through a peaceful foreign policy can we hope for a prosperous tomorrow. After a decade of US war against Iraq and Afghanistan, American public opinion is clearly turning against the wars. Barely half still support the war on Afghanistan and a clear majority now oppose the Iraq war.

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Ayn Rand – Salon.com

Posted: September 2, 2016 at 6:00 am

The HBO show’s creator may or may not be a Randian, but a version of her philosophy runs through his body of work

Carl Barney has run a lucrative nonprofit education empire under the principles of the libertarian figurehead

The Uber model just doesn’t work for other industries. The price points always fail — and that’s a good thing

Yesterday, the House Speaker apologized for calling America’s impoverished “takers.” But he hasn’t changed a bit

Snyder working on an adaptation of Rand’s novel makes perfect sensejust look at his body of work VIDEO

John Boehner is laying the groundwork for a “Draft Ryan” campaign at the GOP convention. The whole thing is absurd

Values voters, Tea Party conservatives, faux-populists grifting for book deals and Fox spots — meet today’s GOP

Fans feel “so betrayed” seeing the “Star Wars” heartthrob in an “Atlas Shrugged” shirt

The brilliant critic Evgeny Morozov discusses the myths Silicon Valley tells about itself, and why we believe them

The most effective ways to expose their contradictions and faulty logic

A stern, serious Krugman says anyone who doesn’t believe the GOP’s real gold standard fervor is deluding themselves

Freedom now means winner-take-all capitalism, and it’s slowly morphing our political system into a plutocracy

We’ve been a fed a myth about heroic individuals — and that allows the 1 percent to prosper at everyone’s expense

The Wisconsin congressman may be a radical, but he’s also a product of the insider cronyism the Tea Party abhors

Read about Paul Ryan and you might think he is a thoughtful, right-of-center policy wonk, not an Ayn Rand ideologue

The wingnut pundit resents the liberal tone of TV, but turns out cartoonish, right-leaning prose

What’s causing the GOP’s slide into complete dysfunction? It’s not overheated rhetoric; it’s the politics of race

EXCLUSIVE: New transcript of Rand at West Point in ’74 enthusiastically defends extermination of Native Americans

Conservatives have long wielded “socialism” as a pejorative — but Sanders owns it and is transforming politics

The objectivist classic is brimming with historical revisionism, faulty economic theory and dubious sexual politics

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How Media Censorship Affects the News You See

Posted: August 29, 2016 at 7:30 am

Media censorship takes many forms in the way you get your news. While news stories are often edited for length, there are many choices that are made that are designed to keep some information from becoming public. Sometimes these decisions are made to safeguard a person’s privacy, others to protect media outlets from corporate or political fallout.

This is probably the least controversial form of media censorship.

When a minor commits a crime, his identity is concealed to protect him from future harm — so he isn’t turned down from getting a college education or a job. That changes if a minor is charged as an adult, like in the case of violent crime.

Most media outlets also conceal the identity of rape victims, so those people don’t have to endure public humiliation. That was not the case for a brief period at NBC News, when it decided in 1991 to identify the woman accusing William Kennedy Smith (part of the powerful Kennedy clan) of raping her. NBC later reverted to the common practice of secrecy.

Every day, someone commits a heinous act of violence or sexual depravity. In newsrooms across the country, editors have to decide whether saying a victim “was assaulted” suffices in describing what happened.

In most instances, it does not. So a choice has to be made on how to describe the details of a crime in a way that helps the audience understand its atrocity without offending readers or viewers, especially children.

It’s a fine line. In the case of Jeffrey Dahmer, the way he killed more than a dozen people was considered so sick that the graphic details were part of the story.

That was also true when news editors were faced with the sexual details of Pres. Bill Clinton’s relationship with Monica Lewinsky and the accusations of sexual harassment Anita Hill made about then-U.S.

Supreme Court justice nominee Clarence Thomas. Words that no editor had ever thought of printing or a newscaster had ever considered uttering were necessary to explain the story.

Those are the exceptions. In most cases, editors will cross out information of an extremely violent or sexual nature, not to sanitize the news, but to keep from offending the audience.

The U.S. military, intelligence and diplomatic operations function with a certain amount of secrecy. That confidentiality is regularly challenged by whistleblowers, anti-government groups or others who want to remove the lid on various aspects of U.S. government.

In 1971, The New York Times published what’s commonly called the Pentagon Papers, secret Defense Department documents detailing the problems of American involvement in the Vietnam War in ways the media had never reported. The Nixon administration went to court in a failed attempt to keep the leaked documents from being published.

Decades later, WikiLeaks and its founder Julian Assange are under fire for posting more than a quarter million secret U.S.

documents, many involving national security. When The New York Times published these U.S. State Department papers, the U.S. Air Force responded by blocking the newspaper’s website from its computers.

These examples show that media owners face a difficult relationship with the government. When they approve stories containing potentially embarassing information, government officials often try to censor it.

Media companies are supposed to serve the public interest. Sometimes that’s at odds with the conglomerate owners who control traditional media voices.

Such was the case when The New York Times reported that executives from MSNBC owner General Electric and Fox News Channel owner News Corporation decided it wasn’t in their corporate interests to allow on-air hosts Keith Olbermann and Bill O’Reilly to trade on-air attacks. While the jabs seemed mostly personal, there was news that came out of them.

The Times reported that O’Reilly uncovered that General Electric was doing business in Iran. Although legal, G.E. later said it had stopped. A cease-fire between the hosts probably wouldn’t have produced that information, which is newsworthy despite the apparent motivation for getting it.

Cable TV giant Comcast faces a unique charge of censorship. Shortly after the Federal Communications Commission approved its takeover of NBC Universal, it hired FCC commissioner Meredith Attwell Baker who had voted for the merger.

While some denounced the move as a conflict of interest, a single tweet is what unleashed Comcast’s wrath. A worker at a summer film camp for teenage girls questioned the hiring through Twitter. Comcast responded by yanking $18,000 in funding for the camp.

The company later apologized and offered to restore its contribition. Camp officials say they want to be able to speak freely without being hushed by corporations.

Critics often lambast media for having political bias. While viewpoints on the editorial pages are clear to see, the link between politics and censorship is harder to spot.

The ABC news program Nightline once devoted its broadcast to reading the names of more than 700 U.S. servicemen and women killed in Iraq. What appeared to be a solemn tribute to military sacrifice was interpreted as a politically-motivated, anti-war stunt by Sinclair Broadcast Group, which didn’t allow the program to be seen on the seven ABC stations it owned.

Sinclair is the same company that a media watchdog group says called more than 100 members of Congress “censorship advocates” for raising concerns to the FCC about Sinclair’s plans to air the film Stolen Honor. That production was blasted for being propaganda against then-presidential candidate John Kerry.

Sinclair responded by saying it wanted to air the documentary after the major networks refused to show it. In the end, bowing to pressure on several fronts, the company aired a revised version that only included parts of the film.

Communist countries that once stopped the free flow of information may have largely disappeared, but even in America censorship issues keep some news from reaching you. With the explosion of citizen journalism and internet platforms, the truth will now have an easier way of getting out.

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Germ Warfare Against America: Part I What Is Gulf War …

Posted: August 21, 2016 at 11:18 am

by Donald S. McAlvaney, Editor, McAlvaney Intelligence Advisor (MIA), August 1996

GWI is a communicable, moderately contagious and potentially lethal disease, resulting from a laboratory modified germ warfare agent called Mycoplasma fermentans (incognitus). [ED. NOTE: There were actually up to 15 such agents used in Desert Storm by Iraq only three have been identified at this writing: mycoplasma fermentans (incognitus), mycoplasma genitalia, and Brucella species.]. Myco- plasma fermentans (incognitus) is a biological which contains most of the (HIV) envelope gene, which was most likely inserted into it in germ warfare laboratories.

GWI spreads far more easily than AIDS, by sex, by casual contact, through perspiration, or by being close to someone who coughs. Your children can be infected at a playground or school. The Nicolsons, who have isolated the micro-organisms, say that it is airborne and moderately contagious.

Joyce Riley had an American Legion chapter leader call her in mid-95 who said, I was visiting the Desert Stormers at the VA Hospital and after two weeks I had the same illness they did just from visiting them at the VA. It sounds almost like tuberculosis-type contagion.

To illustrate the moderately contagious nature of the biologicals Saddam used, Dr. Garth Nicolson cited the case of a young woman who served in a transportation squad who contracted GWI while assigned to a graves registration unit during the hostilities. She is currently the sole survivor of the 16 members of her unit.

She has severe GWI, is partially paralyzed, has multiple chemical sensitiveness (which complicate treatment) and has the mycoplasmic infection. All of the other 15 members of her unit are dead from what we suspect were infectious diseases. These (graves registration) units had to deal with the registration and disposal of thousands of dead Iraqi soldiers who were, we strongly suspect, exposed to GWI.

GWI is the direct health consequence of prolonged exposure to low (non-lethal at the time of exposure) levels of chemical and biological agents released primarily by direct Iraqi attack via missiles, rockets, artillery, or aircraft munitions, and by fallout from allied bombings of Iraqi chemical warfare munitions facilities during the 38-day war.

The effects of these exposures were exacerbated by the harmful and synergistic side effects of unproven (untested) pyridostigmine bromide (PB) pills (nerve agent pre-treatment pills) forcibly administered to our troops; botulinum toxoid vaccines (also untested and experimental) forcibly administered to our troops; anthrax vaccines and several other experimental vaccines, all forcibly administered to our troops like so many laboratory guinea pigs.

Estimates of the number of vets who are sick are just that estimates. Estimates of 50 to 90,000 sick vets are now obsolete. Over 160,000 Gulf War vets have reported to the Gulf War Registry (kept by the Department of Defense which still maintains that the disease does not exist). Dr. Garth Nicolson estimates the number of veterans sick with GWI to be closer to 100,000 to 200,000 with approximately 15,000 dead. This does not include wives, children or other family members, friends or associates (secondary infectees) who are sick, disabled, dying or dead.

By August 15, 1991, 17,000 out of 100,000 reservists and National Guardsmen who served in the Gulf conflict had reported to the VA that they were ill. Four years later (in August 96) that number is likely to have tripled to 51,000, or over half of the total. Joyce Riley estimates that 1/2 of all Desert Stormers may now be positive for Mycoplasma fermentans (incognitus). Riley (and the Nicolsons) also estimate that a large percent of all GWI victims may ultimately die from the disease, or suicide.

On 7/31/96, Tony Flint, spokesperson for the British Gulf War Veterans Association, reported that the number of GW veterans deaths in U.K. is l.233 out of 51,000 Brits who participated. Of these deaths, 13% or 162 were from suicide. These are huge numbers of suicide victims who took their lives due to their lack of treatment and incredible pain levels.

Whole families are now ill. Nor do the above numbers include babies which are being born dead or severely deformed like the thalidomide babies of the 50s. Some of the baby deformities are Goldenhar syndrome, wherein babies are born with one or more limbs missing, a missing eye or other deformity. It is now estimated that a large percent of babies born to infected veterans are being born deformed or with birth problems.

The study done for former U.S. Senator Don Riegle (D-MI) concluded that 78% of wives of veterans who are sick are also likely to be sick, that 25% of their children born before the war are also likely to be sick, and that 65% of children born to sick Gulf War veterans after the war also are likely to be sick.

The Nicolsons, after listening to health complaints of many veterans of Desert Storm (including their step-daughter, then Staff Sergeant Sharron McMillan, who served with the Armys 101st Airborne Division-Air Assault, in the deep insertions into Iraq), concluded that the symptoms can be explained by aggressive, pathogenic mycoplasma and other microorganism infections.

Mycoplasmas are similar to bacteria. They are a group of small microorganisms, in between the size and complexity of cells and viruses, some of which can invade and burrow very deep into the cell and cause chromic infections. According to the Nicolsons, normal mycoplasma infections produce relatively benign diseases limited to particular tissue sites or organs, such as urinary tract or respiratory infections.

However, the types of mycoplasmas which the Nicolsons have detected in Desert Storm veterans are very pathogenic, colonize in a variety of organs and tissues, and are very difficult to treat. [ED. NOTE: The Nicolsons tested thousands of veterans blood samples (free-of-charge) while at the M.D. Anderson Center].

These mycoplasmas can be detected by a technique the Nicolsons developed called Gene Tracking, whereby the blood is separated into red and white blood cell fractions, and then further fractionated into nucleoproteins that bond to DNA, the genetic material in each cell. Finally, the purified nucleoproteins are probed to determine the presence of specific mycoplasma gene sequences. [ED. NOTE: Obviously this is no ordinary blood test and can only be understood or done by a small handful of pathologists or microbiologists in the world today].

As the Nicolsons wrote in a recent paper entitled Chronic Fatigue Illness and Desert Storm Were Biological Weapons Used Against Our Forces in the Gulf War?: In our preliminary study on a small number of Gulf War veterans and their families, we have found evidence of mycoplasmic infections in about one-half of the patients whose blood we have examined.

Not every Gulf War veteran had the same type of mycoplasma DNA sequences that came from mycoplasmas bound to or inside their white blood cells. Of particular importance, however, was our detection of highly unusual retroviral DNA sequences in the same samples by the same technique. These highly unusual DNA sequences included a portion of the HIV-1 (the AIDS-causing virus) genetic code, the HIV-1 envelope gene, but not the entire HIV-1 viral genomes.

The type of mycoplasma we identified was highly unusual and it almost certainly could not occur naturally. It has one gene from the HIV-1 virus but only one gene. This meant it was almost certainly an artificially modified microbe altered purposely by scientists to make them more pathogenic and more difficult to detect.

Thus these soldiers were not infected with the HIV-1 virus, because the virus cannot replicate with only one HIV-1 envelope gene that we detected. [ED. NOTE: But, infected soldiers do exhibit many of the symptoms of AIDS while testing HIV negative. Garth Nicolson says that Mycoplasma fermentans (incognitus) contains about 40% of the HIV virus which causes AIDS. He told this writer on 8/9/96 that some soldiers do test HIV-1 positive, but do not have the HIV virus only the envelope gene product].

Interestingly, the specific DNA sequence that we detected encodes a protein that, when expressed on the surface of the mycoplasma, would enable any myco-plasma to bind to many cell types in the body, and even enter those cells.

Thus this genetic manipulation could render a relatively benign mycoplasma much more invasive and pathogenic and capable of attacking many organ and tissue systems of the body.

Such findings suggest that the mycoplasmas that we have found in Gulf War veterans are not naturally occurring organisms, or to be more specific, they were probably genetically modified or engineered to be more invasive and pathogenic, or quite simply, more potent biological weapons.

In our rather small sample of Gulf War veterans, it seems that the soldiers that were involved in the deep insertions into Iraq and those that were near Saudi SCUD impact zones may be the ones at highest risk for contracting the mycoplasmas that we feel are a major culprit in the Desert Storm-associated chronic fatigue illness. Our preliminary research indicates that the types of mycoplasmas found in some of the Desert Storm veterans with the most severe chronic symptoms may have been altered, probably by genetic manipulation, suggesting strongly that biological weapons were used in Desert Storm.

We consider it quite likely that many of the Desert Storm veterans suffering from the symptoms (described below) may have been infected with microorganisms. Quite possibly aggressive pathogenic mycoplasmas and probably other pathogens such as pathogenic bacteria as well, and this type of multiple infection can produce the chronic symptoms even long after exposure. [ED. NOTE: Three to seven years later, Joyce Riley calls it a time-release form of illness].

[ED. NOTE: Joyce Riley and the Nicolsons believe that the microbe just described is only one of 10 to 15 different microbes or different types of germ warfare that could have been utilized].

Micotoxins are toxins that are associated with fungus. Fungi and micotoxins have long been a very secret carrier of germ warfare agents. Micotoxins are very difficult to destroy with temperature, weather, or anything else.

Mycoplasmas have for many years been studied as potential germ warfare agents. Add a recombinant DNA to the mycoplasma such as the HIV envelope gene, and youve got a very virulent form of disease that is going to be passed easily throughout the population.

Mycoplama fermentans (incognitus) (and the other 10 to 15 microbes the Nicolsons believe could have been used by Saddam) are easily manufactured and have been made for the past 15 years in America, Russia, Iraq, China, Israel and even in Libyas new biological (germ) warfare facilities.

One of the more ominous aspects of GWI is that the microorganism is communicable between humans and dogs and cats (and presumably other animals). Veterans pets are coming down with the GWI symptoms and dying. Remember one of the Nicolsons cats contracted it and died. So, the disease is contagious between species. As Joyce Riley has said, The fact that the disease is being transmitted from people to animals is almost unprecedented. To find an organism that can be transmitted to animals is truly frightening.

In England, a viral researcher friend says that he has treated a number of people with the human form of Mad Cow Disease which he says has many common characteristics with GWI. Remember, most of the cattle herd of England had to be destroyed because of Mad Cow Disease. The British researcher says he is presently seeing (and treating) dozens of new, never-before-seen viruses in the U.K.

There is a large list of signs and symptoms which can begin from six months to six or seven years from the time of exposure, and once they begin, can get progressively worse until the victim is partially or totally disabled, or dies. [ED. NOTE: With severe exposure to heavy doses of biologicals, the symptoms can show up in a few days]. These symptoms include (not listed in order of severity or frequency): (1) Chronic fatigue; (2) Frequent (or constant) throwing up and diarrhea; (3) Severe weight loss (wasting away) very similar to an AIDS patient; (4) Severe joint pains; (5) Headaches that dont go away; (6) Memory loss, concentration loss the brain begins to go; (7) Inability to sleep [ED. NOTE: Severe sleep disorders are one of the worst and most frequent symptoms. Victims often sleep in the day, awake at night, or dont sleep for days or weeks]; (8) A rash on the stomach, groin, back, face, arms often looks like a giant ring worm. Whole families often get the rash; (9) Lymph nodes begin to swell; (10) Nervous system problems begin to appear (Parkinson-like symptoms, numbness and tingling around the body which can degenerate into paralysis and death); (11) Night sweats; (12) Bizarre tumors many brain stem tumors; [ED. NOTE: the active duty tumor rate in the U.S. military has increased 600% since 1990, according to data obtained from the Veterans Admini-stration. This data is available from Joyce Riley at the American Gulf War Veterans Association, 3506 Highway 6 South #117, Sugarland, TX 77478-4401 (1-713-587-5437)]; (13) Bizarre personality changes (victims become violent, have wide mood swings, severe depression, they hibernate in a dark room, begin to drink heavily, use drugs, become violently angry. Denial is a major facet of the disease; (14) Cant work often go bankrupt; (15) A large number of victims (perhaps 50%) end up committing suicide. GWI victims are walking time bombs!

Many of the symptoms are similar to AIDS because they are both immuno- suppressive and attack the immune system. Most victims will have half to two-thirds of these symptoms (some more severe than others). Wives married to GWI victims are likely to get the disease via sex and other close contact, and their symptoms can even include cervical cancer, ovarian cysts, ovarian tumors, endometriosis, painful intercourse, chlamydia, and herpes (sexually transmitted diseases [STDs] but with no extra-marital sexual activity). About 90% of the wives of veterans who are sick with GWI are now complaining of these symptoms.

When Joyce Riley had the disease she had some of the above symptoms in addition to the following symptomology: (1) She felt like a part of the body (like a foot, a leg, a calf, an arm) was missing; (2) She felt like a pan of hot water had been splashed on her one side of her body burned; (3) She felt like a foot was in ice; (4) She had bone pain, muscle pain (like a cramp or charley horse that doesnt let up for weeks); (5) She had central nervous system symptoms (knife-like pain from the upper back to tailbone).

Bleeding and hemorrhaging are symptoms associated with GWI. In Ebola Zaire, the body bleeds out in about 48 hours. Ebola Riston (a variation of Ebola Zaire) takes about two years to cause death with severe bleeding. A number of Gulf War vets who have called Joyce Riley have told her that they are bleeding from every orifice of their body. And their doctors dont have a clue as to what is happening they just know they dont have long to live. [ED. NOTE: She gets dozens of calls each day].

The Ebola Riston virus is a version of the Ebola Zaire virus (which may have been laboratory produced) but it takes about two years or more to kill a victim, beginning with the onset of the symptoms, versus 48 hours for Ebola Zaire. [ED. NOTE: Readers of this report are strongly encouraged to buy and read the book, The Hot Zone and rent the movie Outbreak both of which deal with the Ebola Zaire virus. However, in the real world, Ebola did not come from an African monkey, cave or rain forest but probably from a biological warfare laboratory].

Lekoencephalopathy is similar to Mad Cow disease the brain dissolves! It is now spreading among the populace of England. 25 to 30-year-old paratroopers are now dying of lekoencephalopathy. Other symptoms of GWI include: recurring fever, menstrual disorders, stomach upsets and cramps, heart pain, kidney pain, thyroid problems, and in extreme cases, autoimmune-like disorders such as those that lead to paralysis.

Many GWI victims are getting medical diagnoses of MS (Multiple Sclerosis) or Guillian Barre Syndrome, and Amyotrophic Lateral Sclerosis (Lou Gehrings Disease), their neurological problems eventually lead to paralysis and death. Thousands of Gulf War vets are now being diagnosed as having MS when they really have GWI.

The reason for the autoimmune symptoms maybe related to the cell penetrating mycoplasmas and bacteria of GWI. When these microorganisms proliferate and leave the cell, they can take a piece of the cells membrane with it, resulting in host immune responses against the microorganisms as well as the normal parts of membrane associated with the microorganism. This type of response is called a concomitant immune response.

In August 95, researchers at the University of Glasgow released a report entitled, Neurological Dysfunction in Gulf War Syndrome, which was published in the March 96 issue of the Journal of Neurology, Neurosurgery and Psychiatry which said, The results between the two groups [Desert Storm vets and non-military control group] showed significant differences between the two groups in terms of nervous system function. The Gulf War veterans performed less well. They all displayed the classic symptoms of nerve damage.

Graves Disease (a disease of the thyroid) is another problem or symptom associated ith mycoplasma fermentans (incognitus) infection. If it settles in the wheart, then you can get a severe enlargement and necrosis (or degeneration) of the heart, and in some autopsies of GWI victims, the coroner says, their heart exploded.

The most severely affected (sickest) units in our military are the 101st Airborne, the 82nd Airborne, and the Big Red One out of Ft. Riley, Kansas, and the 3rd and 5th Special Forces.

[ED. NOTE: 99.9% of the medical doctors in America cant recognize GWI, dont believe it even exists because of the government and medical establishment saying it doesnt exist, would have no idea how to test for it and even less idea how to treat it. Most alternate medical practitioners are in the same boat although many of them would try detoxification and immune system therapy which would be helpful. These are answers (if the disease is not too far advanced) both in the tradition (mainline) medical area and in the alternate medicine field which will be discussed in Section VI below. If you or a family member reading this report are discouraged at this point, turn to Section VI on Methods of Treatment before continuing].

Life (11/95) featured a special report entitled: The Tiny Victims of Desert Storm, which described in heart-rending detail (with numerous photos) how the children of our veterans are being born with horrendous disfiguring birth defects. The article was subtitled, When our soldiers risked their lives in the Gulf, they never imagined that their children might suffer the consequences or that their country would turn its back on them.

In the months and years following Desert Storm, thousands of babies have been born to vets with horrible deformities (missing limbs, one eye, missing ears, incomplete or missing organs reminiscent of the Thalidomide babies of the 1950s but in far greater numbers. [ED. NOTE: Thalidomide was another experimental drug (administered to pregnant mothers) which went awry].

Meanwhile, the Department of Defense is working overtime to cover up the crisis with Gulf War babies, denying it exists, denying benefits or medical assistance to veterans with birth defected children, and even going so far as to censor the Life article cited above off of the Internet.

Dr. William Campbell Douglass is the editor of the Second Opinion newsletter and author of the book, Who Killed Africa (about how the World Health Organization smallpox inoculations may have triggered the AIDS epidemic in Africa). Dr. Douglass, a close friend of this writer, wrote in his January 1994 newsletter regarding Gulf War Illness: The symptoms are now having serious repercussions. Half or more of the babies born to Gulf War vets since the war have had some sort of birth defect or blood disorder.

Nation Magazine (1/95) estimates that 67% of babies being born to Gulf War vets who are ill are having serious birth problems. Over half of the babies now being born in Iraq today have deformities or major birth defects, according to reports Dr. Garth and Nancy Nicolson have received.

According to the Life Magazine article: In 1975, a landmark Swedish study concluded that low-level exposure to nerve and mustard gases could cause both chronic illness and birth defects. The Pentagon denies the presence of such chemicals during the Gulf War. [ED. NOTE: Even though over 18,000 chemical alarms sounded during the Gulf War] but the Czech and British governments say their troops detected both kinds of gas during the war. A 1994 report by the General Accounting Office says that: American soldiers were exposed to 21 potential reproductive toxicants, any of which might have harmed them or their future children.

A number of examples of babies born to Gulf War vets with devastating birth defects were cited in the Life Magazine article:

1) Kennedi Clark (Age 4) Born to Darrell (an Army paratrooper in the Gulf War) and Shona Clark. Kennedis face is grotesquely swollen sprinkled with red, knotted lumps. She was born without a thyroid. If not for daily hormone treatments, she would die. What disfigures her features, however, is another congenital condition: hemangiomas, benign tumors made of tangled red blood vessels. Since she was a few weeks old, they have been popping up all over on her eyelids, lips, etc.

(2) Lea Arnold (Age 4) Born to Richard and Lisa Arnold. Richard was a civilian helicopter mechanic (working for Lockheed) with the Armys 1st Cavalry Division during the Gulf War. Lea was born with spina bifida, a split in the backbone that causes paralysis and hydrocephalus (i.e. water on the brain). She needed surgery to remove three vertebrae. Today, she cannot move her legs or roll over. A shunt drains the fluid from her skull. Her upper body is so weak that she cannot push herself in a wheelchair on carpeting. To strengthen her bones, she spends hours in a contraption that holds her upright. Just about our whole world is centered around Lea, says Lisa Arnold. Huge medical bills and the unwillingness of insurance companies to cover pre-existing conditions force the family to live in poverty in order to qualify for Medicaid.

(3) Casey Minns (Age 3) Born to Army Sgt. Brad and Marilyn Minns. Casey was born with Goldenhar Syndrome, characterized by a lopsided head and spine. His left ear is missing, his digestive tract (i.e. esophagus) was disconnected. Trying to repair his damaged organs, surgeons at Walter Reed Army Medical Center damaged his vocal chords and colon, says Brad and Marilyn. His parents feed and remove his wastes through holes in his belly. His mother Marilyn, says, Sometimes it just overwhelms me, but I try to take it one day at a time.. its made worse by people who say that Gulf War Syndrome doesnt existtheyre turning their backs on us.

(4) Michael Ayers (Died at 5 Months of Age) Born to Glenn (a battery commander in the Gulf War) and Melanie Ayers. Michael was born with a mitral-valve defect in his heart. He sweat constantly until the night h woke up screaming, his arms and legs ice-cold. he died that night of congestive heart failure. As Life Magazine wrote: After Michaels death, Melanie sealed off his bedroom; she tried to close herself off as well. But soon she began to encounter a shocking number of other parents whose post-Gulf War children had been born with abnormalities. All of them were desperate to know what had gone wrong and whether they would ever again be able to bear healthy babies. With Kim Sullivan, an artillery captains wife whose infant son, Matthew, had died of a rare liver cancer, Melanie founded an informal network of fellow sufferers. Kim is here. So is Connie Hanson, wife of an Army sergeant her son, Jayce, was born with multiple deformities. Army Sgt. John Mabus has brought along his babies Zachary and Andrew who suffer from an incomplete fusion of the skull. The people in this room have turned to one another because they can no longer rely upon the military.

(5) Cedrick Miller (Age 4) Born to Steve (a former Army medic in the Gulf War) and Bianca Miller. Cedrick was born with his trachea and esophagus fused; despite surgery, his inability to hold down solid food has kept his weight to 20 pounds. His internal problems include hydrocephalus and a heart in the wrong place. Cedrick suffers, like Casey Minns, from Goldenhars Syndrome. The left half of his face is shrunken, with a missing ear and blind eye.

(6) Jayce Hanson (Age 4) Born to Paul (a Gulf War vet) and Connie Hanson. Jayce was born with hands and feet attached to twisted stumps. He also had a hole in his heart, a hemophilia-like blood condition, and underdeveloped ear canals ..a cherubic, rambunctious blond, hes the unofficial poster boy of the Gulf War babies seen by millions in People Magazine. But since his last major public appearance, he has undergone a change. His lower legs are missing. Doctors recently amputated his legs at the knees to make it easier to fit him with prosthetics. Hell say once in a while, My feet are gone, says his mother Connie, but he has been a real trooper.

(7) Alexander Albuck (Age 3) Born to Lieutenant and Kelli Albuck after two miscarriages. Alexander was born with underdeveloped lungs, Strep B infection, spinal meningitis, cranial hemorrhage, collapsed heart valve, calcium deposits in the kidneys, bleeding ulcers, cerebral palsy, vision and hearing impairments, bronchia pulmonary dysphasia, etc. Having exhausted the lifetime limit on their health insurance in the first three months, the Albucks because responsible for paying for his treatment. The first bill they received was for $154,319!

There are thousands of young children like Kennedi, Lea, Casey, Michael, Cedrick, Jayce, and Alexander (the tiny victims of Desert Storm) who have been born to Gulf War vets with horrible birth defects or who have died from these deformities. The government (especially the Defense Department) denies that the problem exists and no government medical or financial assistance is forthcoming unless a parent is still in the military (and over 2/3 of the Gulf War vets have been separated from duty since Operation Desert Storm).

As Life wrote: For parents of these children, the going is grim. They are denied insurance coverage for pre-existing conditions. They are being driven into poverty. Some join the welfare line so Medicaid will help with the impossible burden. You could be a millionaire, and there is no way you could take care of one of these children, says Lisa Arnold.

Because the U.S. government and military will not help, a Gulf War Baby Registry has been formed (in Orlando, Florida) by Dr. Betty Bekdeci to track as best as possible the birth defected children. Call 1-800-313-2232 for more information.

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Topical Index – Alternatives to Medicine – The Skeptic’s …

Posted: July 31, 2016 at 5:48 am

(For an alternative version of theses entries, see the Short and Irreverent E-dition, part 1, sCAM [so-called Complementary & Alternative Medicine])

A acupuncture alkaline diet allopathy alphabiotics “alternative” health practice angel therapy animal quacker anthroposophic medicine applied kinesiology aromatherapy astrotherapy aura therapy Ayurvedic medicine B Bach’s flower therapy Jon Barron bio-ching bioharmonics Blaylock, Russell Body Code of Bradley Nelson Rashid Buttar, D.O. C chelation therapy chi chiropractic Hulda Clark complementary medicine complex homeopathy coning (ear candling) Consegrity craniosacral therapy cupping

D Day, Phillip dental amalgam detoxification therapies DHEA dolphin-assisted therapy Dr. Dragon Dabic E Emotional Freedom Technique Emotion Code of Bradley Nelson Dr. Fritz – “energy healing” Eye Movement Desensitization Reprocessing (EMDR) F facilitated communication faith healing frontier medicine functional medicine G Gerson therapy Jay Gordon gua sha H healing touch holistic medicine homeopathy Leonard Horowitz hypnosis I immune system quackery integrative medicine integrative oncology intuitive (intuitionist) intuitive healer iridology isopathy Issels Immuno-Oncology treatment J joy touch K Rauni Kilde kinergetics Kirlian photography L Lightning ProcessTM M macrobiotics magical thinking magnet therapy massage therapy Joseph Mercola microacupuncture moxibustion N natural cancer cures naturopathy Bradley Nelson neuro-linguistic programming New Age psychotherapies noni fruit and juice nosode O osteopathy P prayer psychic surgery Q quackery R Reams, Carey reflexology Rader, William C., M.D. reiki Rolfing S shark cartilage as a cancer cure T therapeutic touch thought field therapy traditional Chinese medicine trepanation U urine therapy V vibrational medicine vitamin and mineral supplements W Andrew Wakefield Joel D. Wallach, “The Mineral Doctor” Y Robert O. Young Z zenreiki

Last updated 03-Jan-2016

Myth 2. Prescription drugs are one of the leading causes of death.

Myth 3. Most medical treatments have never been clinically tested.

Myth 19. Medical doctors typically know nothing about nutrition.

Myth 21. Faith healing works.*

Myth 22. Dr. Randolph Byrd scientifically proved that prayer can heal.

Myth 23. Even if Dr. Byrd failed, others have succeeded in proving scientifically that prayer heals.

Myth 25. Transplant organs carry personality traits which are transferred from donors to receivers.

Myth 31. Crimes, mental illness, suicides, and emergency room visits increase when there is a full moon.

Myth 43. Suicide increases over the holidays.

Myth 46. Switching to a low-tar cigarette will reduce one’s chances of being exposed to the carcinogens in cigarette smoke.

Myth 47. Vaccination*of children with the (MMR) vaccine to prevent measles, mumps and rubella causes autism.*

Myth 53. Sugar causes hyperactivity in children.

Myth 54. Alcohol, especially red wine, is good for your health.*(read this one carefully and to the end) and *

Myth 55. A migraine is a bad headache.

Myth 58. The moon can trigger ovulation and bring on fertility depending on what phase the moon was at when you were born.

Myth 59. The mercury in dental amalgam is poisoning people.*

Myth 60. You should drink eight glasses of water a day for good health.* One study, however, does seem to have good evidence that drinking five glasses a day is better than drinking two or fewer with respect to fatal coronary heart disease.

Myth 71. A diet low in animal fat will prevent high cholesterol which will prevent atherosclerosis which will make you immune to having a heart attack.

Myth 72. Pasteur renounced all his works on his death bed.

Myth 73. Laetrile is an effective cancer treatment whose humanitarian discoverer has been persecuted, depriving millions of people of the benefits of this wonder drug.

Myth 74. Peptic ulcers are caused by stress and eating spicy food.*

Myth 83. A study was published in the Western Journal of Medicine that showed changing the letters EPHO (each letter representing a drug being used to treat small-cell lung cancer) to HOPE led to a spectacular increase in positive response to the treatment.

Myths 86-89, thanks to the British Medical Journal:

Myth 86. There are several effective cures for a hangover.

Myth 87. People who eat late at night gain more weight than those who eat the same amount of food earlier in the day.

Myth 88. More heat escapes from the head than any other part of the body.

Myth 89. Poinsettias are poisonous.

Myth 92. Fruit must be eaten on an empty stomach in order for the body to absorb it properly.

Myth 93. Drinking cold water after meals causes cancer.

Barrett, Stephen and William T. Jarvis. eds. The Health Robbers: A Close Look at Quackery in America (Amherst, N.Y.: Prometheus Books, 1993).

Barrett, Stephen and Kurt Butler (eds.) A Consumers Guide to Alternative Medicine : A Close Look at Homeopathy, Acupuncture, Faith-Healing, and Other Unconventional Treatments; edited by (Buffalo, N.Y. : Prometheus Books, 1992).

Bausell, R. Barker. (2007). Snake Oil Science: The Truth about Complementary and Alternative Medicine Oxford. (review)

Ernst, Edzard MD PhD, Max H. Pittler MD PHD , Barbara Wider MA. 2006. The Desktop Guide to Complementary and Alternative Medicine: An Evidence-Based Approach. 2nd ed. Mosby.

Randi, James. The Faith Healers (Amherst, N.Y.: Prometheus Books, 1989).

Raso, Jack. “Alternative” Healthcare: A Comprehensive Guide (Amherst, NY: Prometheus Books, 1994).

Sampson, Wallace and Lewis Vaughn, editors. Science Meets Alternative Medicine: What the Evidence Says About Unconventional Treatments (Prometheus Books, 2000).

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How to Declare Your Financial Independence – Next Avenue

Posted: July 23, 2016 at 4:24 am

(Next Avenue is republishing this 2014 blog post, timed to July 4th.)

As the 4th of July nears, what better time to talk about a few ways that could help people in their 50s or 60s declare their financial independence within the next few years?

You may have noticed that the goal of financial independence and its close cousin financial freedom seem to be replacing the traditional goal of retirement.

Freedom and freedom money really resonate a lot more than retirement when we do focus groups, said Chris Brown, a partner at the Hearts & Wallets financial services market research firm.

Its not just about investing. Its about your life priorities and connecting your life to your finances to help enable those things.

David Tyrie, Bank of America Merrill Lynch

MorePlan for Financial Independence, Not Retirement

The financial advisory industry is onto this, too. Merrill Lynch, for example, has announced a holistic approach for clients, known as Clear. Its not just about investing. Its about your life priorities and connecting your life to your finances to help enable those things, David Tyrie, head of Retirement and Personal Wealth Solutions for Bank of America Merrill Lynch, told me.

Some smaller financial advisory firms say theyve been doing this kind of client counseling for years. We believe its the right way to manage money, said Dave Richmond, a founding partner at Richmond Brothers in Jackson, Mich.

A guy who knows a lot about financial independence and just began living it is financial writer and editor Jonathan Chevreau. I relayed his advice last year when Chevreau was the editor of Canadas MoneySense magazine (the northern version of our Money) and had just published the U.S. edition of Findependence Day, a fictional finance novel.

But on May 20, 2014, a month after his 61st birthday, Chevreau left his magazine job and declared his own financial independence.

MorePlotting Your Next Move for Unretirement

Although hes now blogging twice a week for MoneySense (contracting back 40 percent of what I was paid as a salaried employee), Chevreau is otherwise taking the summer off to watch the World Cup, travel to Turkey and read books on semi-retirement. After that, he intends to work when he wants and only as much as he wants, writing fiction and nonfiction and taking on speaking engagements.

Its experimental, Chevreau said. Im learning as I go.

In truth, he noted, his financial independence timing wasnt particularly mine. But it was pretty close. I wouldve preferred to go another year, he said.

Now that hes living the goal he novelized, I asked Chevreau whether hed amend any of the five rules his book laid out on achieving financial independence:

1. Pay off your home in full.

2. Find multiple sources of income for retirement.

3. Develop guerilla frugality habits.

4. Save 20 percent of your gross income.

5. Invest with a Lazy ETF portfolio selecting, say, three Exchange Traded Funds (a U.S. stock fund, an international stock fund and a U.S. bond fund) and holding onto them, rebalancing as needed.

Chevreau said he is not only sticking by them, hes been living them, with a strong debt aversion and an allergy to excessive spending. He just sold his old Volvo and bought for cash a two-year old Camry Hybrid. Its gas mileage is three times better than the Volvos, said Chevreau.

Now that hes not employed full-time, Chevreau said hes an even bigger fan of the Easy ETF portfolio.

When I was working full-time, I was constantly checking financial websites and listening to stock-oriented podcasts from The Motley Fool or Jim Cramer, he noted. Now, Id prefer to have the Easy ETF portfolio in this phase of my life and not have the anxiety of individual stocks going up and down.

If youd like free electronic help to achieve financial independence, I have two suggestions:

Freedom$. This is a nifty iPhone app from the Hearts & Wallets folks. (You can find it in the iTunes store or at GoFreedommoney.com.)

Freedom$ lets you see how youre doing compared to others your age. More important, it quickly shows you how much sooner youll achieve financial freedom by adopting any, or all, of the 10 financial behaviors of the most successful people in the annual survey of households the firm has conducted (20,000 have been surveyed over four years).

You start by just entering your age, your total assets and your total consumer debt (other than your mortgage). Then, Freedom$ calculates your Assets to Income Ratio. The goal: to become what Freedom$ calls a 10-timer, where your assets equal 10 times your income.

Next, you get a Freedom Score: an estimate of how many years until youll achieve financial freedom. This number that will shrink if you take on the good behaviors and get extra points for doing so. For example, Freedom$ says, try to save in a burst by turbocharging the amount youre putting away, something that could be easier once youre no longer paying for your kids college education.

Burst saving is three times more common among 10-Timers 64 percent of them did it making it one of the most important differences between 10-Timers and others, said Brown.

The whole process should take about 30 minutes, longer if you want to give yourself electronic reminders to take actions thatll help you find financial freedom sooner.

FlexScore is an excellent, free site to help you with day-to-day money management. I wrote about it last fall.

Like Freedom$, FlexScore also calculates a score for you and shows you how to raise the number. Since I first talked about FlexScore, the company has now also created FlexScore Pro, a version financial advisers can use with their clients.

Have a safe and happy 4th and heres hoping you achieve financial independence when you want.

Twin Cities Public Television – 2016. All rights reserved.

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