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Bernard Lawrence “Bernie” Madoff is a United States former stock broker, investment adviser, non-executive chairman of the NASDAQ stock market, and the admitted operator of what has been described as the largest Ponzi scheme in history. In March 2009, Madoff pleaded guilty to 11 federal crimes and admitted to turning his wealth management business into a massive Ponzi scheme that defrauded thousands of investors of billions of dollars. Madoff said he began the Ponzi scheme in the early 1990s. However, federal investigators believe the fraud began as early as the 1980s. On June 29, 2009 Madoff was sentenced to 150 years imprisonment and forfeiture of $170.179 billion

A Ponzi scheme is best summed up in the phrase “rob Peter to pay Paul,” meaning: use one investor’s money to pay the returns of another investor. The money in a Ponzi scheme flows through a central agent who moves it around creating the illusion of earnings. Ponzi schemes are successful because investors typically continue to reinvest their earnings into the scam. This constant reinvestment of securities causes a financial bubble to grow. Inevitably, the bubble reaches critical mass and implodes.

Group Life and Health Insurance is truly a Ponzi scheme in the classic sense, where the first contributors to the fund are paid benefits mainly out of the funds received from the contributions of later participants. The perpetuation of the returns that a Ponzi scheme advertises and pays requires an ever-increasing flow of money from investors to keep the scheme going. It is for this reason that Group Life and Health Insurance plans need you to commit to the scheme with monthly payments, payments that they illegally deduct from your employment pay cheques.

A Ponzi scheme is closely related to a pyramid because it revolves around continuous recruiting, but in a Ponzi scheme the promoter (insurance broker) generally has no product to sell and pays no commission to investors (policy holders) who recruit new “policy holding members”. Instead, the promoter (insurer) collects payments from a group of people, promising them all the same high rate of return (life and health benefits) on a short-term investment. In the typical Ponzi scheme, there is no real investment opportunity, and the promoter just uses the money from new recruits (new Group Life and Health Insurance Policy holders) to pay obligations owed to existing longer-standing members of the program. In English, there is an expression that nicely summarizes this scheme: It’s called “stealing from Peter to pay Paul.” In fact they take monthly Group Life and Health Insurance Policy deductions from your hard earned pay cheques and pay benefits to any number of other existing and new Group Life and Health Insurance Policy holders.

Ponzi schemes are quite seductive because they may be able to deliver a high rate of return to a few early investors for a short period of time. Yet, Ponzi schemes are illegal because they inevitably must fall apart. No program can recruit new members forever. Every Ponzi scheme collapses because it cannot expand beyond the size of the earth’s population. When the scheme collapses, most investors find themselves at the bottom, unable to recoup their losses.

A Ponzi scheme is a fraudulent investment operation that pays returns to separate investors from their own money or money paid by subsequent investors. Group Life and Health Insurance Policies are exactly the same type of fraudulent investment because it too pays benefits to separate investors (the insured) from their own money and from money deducted from the pay cheques of subsequent group policy holders. Ask any group life or disability insurance recipients how many of them feel secure based on the miniscule benefits they are receiving. This type of insurance Ponzi Scheme targets the middle class. This type of fraud is a Communistic spreading of wealth from the middle class to the poor, not from the wealthy to the poor. Policy contributions have always been cut off at a level of income associated with the middle class, leaving the wealthy free of liability on most of their income because group life and disability insurance benefits are capped, presumably making group life and disability insurance deductions, above the designated maximum level of income, unfair. In the end, the poor are still poor, the middle class has now joined the ranks of the poor, and the wealthy are now fabulously wealthy, which results are characteristic of any Communistic or Fascistic form of governance. The Life and Disability Insurance Communistic, Fascistic mantra has been: Give us your money and we will take care of you from the cradle to the grave.

Very few people come to their senses and see insurance brokers for what they truly are - criminals. Seriously, how can you personally benefit from a group life insurance policy, a policy that you’ve been duped into paying into for decades, when you are dead? You will never know if your beneficiary will even receive the money owed you from your policy. You will never know if the people you were looking out for will actually be taken care of, as stipulated by your insurance broker. The majority of policy claims never get the full stated value for the paid into policy. The insurance companies always decides in favor of their own survival and will use any and all excuses to not pay what is owed. Hurricane Katrina is the perfect example of insurance fraud by the insurance companies. Insurance companies like Allstate Insurance simply refused to pay their policy holders’ claims - both life and property claims. To this day, many insurance policy holders have still not been paid a dime.

Ponzi schemes continue to plague us and challenges the law enforcement community. In the U.S., the Federal Trade Commission is just one among many agencies that have the authority to file suit to stop this type of fraud. The Securities and Exchange Commission also pursues these schemes, obtaining injunctions against so-called “financial distribution networks” which in fact sell unregistered “securities.” The U.S. Department of Justice, in collaboration with investigative agencies like the FBI and the U.S. Postal Inspection Service, prosecutes ponzi schemes criminally for mail fraud, securities fraud, tax fraud, and money laundering.

A Ponzi scheme is built on the word-of-mouth of its early investors. Once a schemer is able to get paid a return on initial investments, those happy investors urge others to take part in the scheme. In a scheme like Bernie Madoff’s, which operated for the better part of 15 years, it’s likely that many early investors made money and got out before the bubble burst. However, that doesn’t put them in the clear. There exists a “clawback provision” in the case of Ponzi schemes, wherein a court-appointed receiver or trustee can sue any investor for money he has received in excess of his investment. Anyone breathing a sigh of relief for pulling out early of a Ponzi Scheme (Group Life and Health Insurance Policy included) may find himself on the business end of a lawsuit.

Sen. Lindsey Graham (R-S.C.) forcefully criticised Obama’s health care reform bill in an appearance on NBC’s “Meet the Press” earlier this year. Graham compared it to a “Ponzi scheme”: “You– you take $570 billion out of Medicare to pay for the health care bill. Then you’re using that same $570 to say it lowers the growth of Medicare over time,” Graham said. He added: “So, it is a house of cards. It is a Ponzi scheme of the first order. It’s gonna blow up the deficit. It’s gonna affect every business, every family in this country…”

Calling the Senate health care bill a package that Ponzi schemer “Bernie Madoff would really envy,” Republican Sen. Jon Kyl stated that the legislation is long on promises but short on accounting. “Any private or any publicly traded business that claimed it was making a profit because it booked revenue over 10 years but only booked expenses over six years would wind up in jail. That’s what this bill does, that’s just many of the frauds and hat tricks in this bill,” Kyl said on “Fox News Sunday.”

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Corn is a gift from Mother Earth. It is food. It is medicine. It is revenue. It is also a renewable clean fuel source.

For the first time a study of the health risks of transgenic corn approved for consumption reveals signs of hepatorenal toxicity.

CRIIGEN performed a counter evaluation of Monsanto’s regulatory study on rats fed MON863 GMO corn for three months. This study was used to authorize the international sale of this corn. The symptoms discovered during this counter evaluation are coherent, and observed in control rats of the same genetic strain, same age, and raised in strictly identical conditions. The rats were fed a diet of chemical composition considered to be equivalent, but without the toxin Bt, which is the insecticide that is self-produced by the GMO corn. On average, the female rats experienced weight gain, significant increases in sugar and fat levels in the blood, disruption of renal functions and an increase in kidney weight compared to the rest of the body. Inversely, male rats lost weight, their kidneys become more sensitive and lost weight compared to the rest of the body. Additionally, ion analyses were modified in urine, which is likely related to the diagnosed nephropathies. Rats do develop this naturally with age, but the rats used in this case were young (5 months old at the end of the study). Some hepatic function markers were also affected. It is important to note that toxic products such as pesticides, as in initial stages of cancer, often provoke different effects depending on gender. It is not possible, through such short-term tests, to identify the beginning of any particular disease. But it was “detoxification” organs, as they are traditionally referred to, that reacted in this study.

Variations in the animals’ weights were not statistically studied by Monsanto, which published on the subject in 2006, nor were the data on urinary chemistry. The statistics were not explored further and their protocols are highly debatable.

Studies indicate that 2 percent of adults and 8 percent of children have food allergies. Inhaling pollen from GM crops is creating new threats that need to be researched and evaluated. In a 1999 statement posted on Soy Info Online, Joe Cummins, professor emeritus of genetics at the University of Western Ontario says that “GM pollen is likely to open an extended range of allergy and may cause autoimmune disease or other kinds of toxicity.”

Studies indicate that residues of glyphosate in foods may increase the incidence of certain cancers, including non-Hodgkin’s lymphoma. Bovine growth hormone (rBGH) found in most milk (unless the package notes otherwise) has been linked to breast cancer and diabetes. Transgenic cotton contains Bromorynil (brand name Buctril), which causes birth defects and is suspected as a cause of liver tumors. Cottonseed oil is found in many food products — another reason to read labels.

It took 60 years of Dichloro-Diphenyl-Trichloroethane (or DDT) use for its health hazards to be recognized by the government and for it to be banned in the United States.

Prince Charles of Great Britain is an outspoken anti-GE advocate. The U.S. Food and Drug Administration consistently maintains that GE foods are safe. Margaret Miller, former lab supervisor for Monsanto, helped the company develop rBGH. She left the company to become the deputy director of Human Food Safety and Consultation services at the FDA, where she helped push through FDA approval for rBGH.

Consumers are calling for more safety guidelines. In January 2001, the Consumer Federation of America, a coalition of 270 consumer groups — including the American Association of Retired People — called on President George W. Bush and Congress to label biotech food and to require strict safety and environmental testing. In a 250-page report financed by a grant from the prestigious Rockefeller Foundation, the federation said the United States government has basically abandoned its responsibility to ensure the safety of genetically engineered foods. The report also calls for the end of a government policy that holds that GE foods are substantially equivalent to their non-GE counterparts.

Some politicians are speaking out. When he introduced the Genetically Engineered Food Right To Know Bill in 2001, Congressman Dennis Kucinich, D-Ohio, noted that “Government has a moral and legal responsibility to ensure the safety and purity of our food supply. We cannot abdicate this responsibility to global corporations whose goals may be limited to profit-making.”

Congressman Jack Metcalf, R-Wash., joined Kucinich and a bipartisan group to cosponsor HR 3883, the GE Safety Testing Bill. He has been quoted as saying, “I am not convinced that enough research has been conducted to determine the long-term health effects of genetically modified foods, and I believe that American citizens should have the right to know what they are eating.”

So what is an alternative solution? Stop messing around with mother nature. Stop messy around with our food sources. If farmers want a better return for their labor modifying the food staples is not the answer. Modifying your market is the answer. Now that modified corn has been proven to be unsafe for both human and animal consumption the most profitable solution for farmers is to grow corn as a source of renewable ethanol fuel. The benefits of ethanol fuel are not only limited to providing larger profit shares for farmers ethanol fuel is a benefit to the environment and the process of making ethanol generates a series of valuable co-products including corn oil, protein feed, gluten meal, germ, refined starches, corn sweeteners and commercial carbon dioxide. The value of the final products is roughly double that of the raw corn.

The strongest arguments for using unmodified corn for ethanol production is that it is a cleaner burning fuel. Ethanol’s oxygen content helps gasoline burn more efficiently, cutting tailpipe pollutants including carbon monoxide and benzene. Over 99% of fuel ethanol in the US is sold as E10, a 10% blend with gasoline. But E85, an 85% blend, is beginning to emerge. The big three US automakers annually sell around 250,000 flexible fuel vehicles capable of running on both E10 and E85 fuel blends, both at no added cost to buyers. How will ethanol fuel made from unmodified corn help the environment? E10 fuel blends can cut carbon monoxide emissions by 20%, benzene emissions by 25% and overall gasoline toxicity by 30%. Imagine what an E85 ethanol fuel blend can do to help reduce carbon monoxide emissions, reduce cancer causing benzene (The Department of Health and Human Services (DHHS) has determined that benzene causes cancer in humans. Benzene is also the cause of AIDS. You can not cure AIDS until you shut off the continued exposure to benzene) emissions and overall gasoline toxicity. The good news is that clean ethanol fuel made from corn is a renewable fuel source. If we used only corn for ethanol production the oil companies cannot falsely argue that by producing more ethanol fuel we will be causing the starvation of millions of people and or be responsible for higher food costs. Seriously, how many times do you buy corn when you go shopping for the food you and your family needs? Most, myself included, only buy corn when it is in season. Now that they’ve modified it I will no longer buy corn. I am no fool. I know other countries use corn as their main food staple or one of their main food staples. So how will this affect them? Again I must point out that the genetically modified corn that the US and Canada is growing isn’t fit for human consumption. That means not fit for human consumption not just in the US and Canada but anywhere on Earth. So the solution? Instead of wasting billions of bushels of genetically modified corn that has already been grown and harvested use it all as a fuel. Once this vial corn has been eradicated World wide then plant unmodified corn for both human consumption as a food and a fuel. Like Mother Nature make corn production a harmonious balance - grown first and foremost as a food source and only the excess used as a fuel source.

The oil companies are threatened whenever someone seeks alternative fuel sources - cleaner fuel sources. Ethanol is a threat to their $billion mass polluting industry. Of course they are going to blame you and I and terrorize you and I. They will and have spent $billions in bribes of politicians and regulatory board members. They will spare no effort or cost to discredit any research and report that unequivocally proves that ethanol made from corn is probably the single greatest solution to meet all of our fuel needs, now and for generations to come.

To the Navajo, corn is freedom, a gift from the Mother Earth. Corn pollen is a symbol of fertility and of renewal. Its use brings you back into balance and harmony with life.

Clayton Brascoupé, program director of the Traditional American Farmers Association of New Mexico and Arizona, says, “Corn is our Mother. A mother does things for us, feeds us, provides medicine. We have a responsibility to Mother Corn to treat her in a respectful manner.”

We don’t know the long-term effects of eating transgenic food. Do we want to be guinea pigs for biotech researchers? How will this affect our children, our grandchildren and the human race?

Today, human genes are being inserted into plants and animals. Should we be “playing” with the building blocks of life? Do we as humans have the right to undo or meddle with a system that has taken thousands of years to evolve? I firmly believe the answer is a definitive and resounding no. Only fools play with fire. The wise know better.

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Corn is also the solution for the Afghan people. The US invasion of Afghanistan is directly responsible for the rejuvenation of the Opium drug trade in Afghanistan. The US refuses to eradicate the Opium fields and they falsely declare that without the illegal Opium field and drug trade the Afghan people will not survive. The US are the sole beneficiaries of the illegal Opium grow ops and trade. The Opium is used to finance the CIA and their illegal covert operations around the World.

What you haven’t been told is that in Afghanistan the US and British troops have eradicated corn fields (yes you read right - corn fields) in order to plant Opium. If Canadian troops started to eradicate the Opium fields and started shipping unmodified corn seeds to Afghanistan then the Canadian soldiers could truly begin to help the Afghan people. The Afghan people can not feed their families with Opium plants. The Afghan people can feed their families with corn. Any excess corn can be used to make fuel to heat their homes and fuel their farming, construction and industrial equipment and machinery. The Afghan people can begin to grow and prosper just by eradicating the Opium fields and planting corn instead. That would be the greatest gift that Canada could give to the Afghan people.

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Everyone who has studied science in school knows that water is made up of hydrogen and oxygen or H2O. We all know about the importance of water but few know that water is also a fuel. You know that firemen use water to put out fires so how on Earth can water also be used as a fuel because to be used as a fuel we must be able to ignite it? The answer is H2O Cold Fission. H2O (Water) + a radio wave frequency = O (Oxygen) and H2 (Hydrogen fuel).

The technology is already here to break completely free of the oil dependency and Cold Fission of Sea Water is the answer to all our energy needs. Sea water is the World’s cheapest, cleanest and most abundant fuel source.

A Canadian owned entrepreneurial company called FuelReducer is working on developing new energy technology that will drastically reduce our dependency on oil. FuelReducer’s H2O - Water for Fuel Project is focusing on fueling the World with sea water instead of oil or gas. FuelReducer has recently developed a prototype that separates water (H2O) into Hydrogen and Oxygen using a low radio frequency. The amount of energy needed to split the water into a fuel and the life giving oxygen is very small. The applications are endless. Hydrogen fuel from sea water can be used to fuel electrical power generators, gas stoves, emergency power generators, boat engines, barbecues and gas furnaces to name a few.

Before everyone starts calling the owner and inventor of the FuelReducer, Paul W Kincaid, a crackpot let me point out that this article is going to talk about “Cold Fission” not “Cold Fusion”. There is a big difference, in that “Cold Fusion” is very controversial and has already been labeled an impossibility by the scientific community - or at least that is what they want us to believe and have gone to great lengths to discredit everyone who has come out and reported having found the secrets of Cold Fusion.

This report is about “fission” not “fusion. ” The anomaly of “cold fusion” experiments — high energy yields with few neutrons or tritium nuclei — has resulted from a simple case of mistaken identity? There are a number of nuclear fission reactions that produce neither neutrons nor tritium, yet yield large quantities of energy.” Scientists have mistakenly reported on the process used to gain large amounts of energy in their experiments. A communication error has resulted in the World being denied access to a free energy source from the most abundant and cleanest fuel source on Earth - Water.

To understand the errors that caused the unnecessary wars to control the oil supply of the World we have to start with understanding the most important and basic fact - that water sustains all life on Earth. Water contains the oxygen we need to breath and the fuel (hydrogen) to create motion (life). No one on Earth can survive very long without water (H2O). We can’t survive and function without water. Our food can’t survive and grow without water either. About 1,460 teratonnes (Tt) of water covers 71% of the Earth’s surface, mostly in oceans and other large water bodies, with 1.6% of water below ground in aquifers and 0.001% in the air as vapor, clouds (formed of solid and liquid water particles suspended in air), and precipitation. Only 2.75 percent of the water on Earth is freshwater. Saltwater oceans hold 97% of surface water. This fact alone states that 97% of the Earth’s water is readily available to mankind - not for human consumption (because humans require fresh water), but as the most abundant source of energy. How do we get that energy? By applying Cold Fission to saltwater which will provide both the energy we need to fuel our cars and homes as well as adds more oxygen to Earth’s atmosphere. Let me explain it all by starting with the very basics. First off what is Fission? Fission is defined as

1: a splitting or breaking up into parts
2: reproduction by spontaneous division of the body into two or more parts each of which grows into a complete organism
3: the splitting of an atomic nucleus resulting in the release of large amounts of energy

You already know that water’s chemical description is H2O - that is one atom of oxygen bound to two atoms of hydrogen. The hydrogen atoms are “attached” to one side of the oxygen atom, resulting in a water molecule having a positive charge on the side where the hydrogen atoms are and a negative charge on the other side, where the oxygen atom is. Since opposite electrical charges attract, water molecules tend to attract each other, making water kind of “sticky.” The side with the hydrogen atoms (positive charge) attracts the oxygen side (negative charge) of a different water molecule. All these water molecules attracting each other mean they tend to clump together forming water drops. As more water drops are formed they stick to each other to form a liquid state of water. Cold Fission is used to reverse the process - return water or split the liquid state of water back to its three atoms; an oxygen atom and two hydrogen atoms. The bond between the oxygen and hydrogen atoms are very strong. The bond needs to be broken and Cold Fission does this. Most scientists would declare that it takes a lot of energy to break the bond between the oxygen and hydrogen that makes up water. That is why they continue to discredit all claims of Cold Fusion. But Cold Fission doesn’t require a lot of energy to split Water. In fact very little energy is required in Cold Fission to begin splitting the bond between the oxygen and hydrogen atoms of water. The very definition of fission is splitting or breaking up into “parts” and nowhere does it hint or suggest that energy, or a lot of energy is required to do it. Scientists have known for decades what it takes to break the bond that makes water. The secret they have been keeping from us is that water can easily be broken up into its oxygen and hydrogen parts by applying a resonant frequency (radio wave).

You already know that crystal radios were the only appliances on Earth that worked perfectly without using any energy supply. What you failed to see and understand is that they worked “without using any energy supply”. The crystal radio receiver (also known as a crystal set) is a very simple kind of radio receiver. It needs no battery or power source except the power received from radio waves by a long outdoor wire antenna. To listen to a specific broadcast we must tune in to the frequency being transmitted. Cold Fission uses low energy radio waves tuned to a specific frequency to split water into its oxygen and hydrogen parts.

The key to building a successful Cold Fission reactor is to find the resonant frequency of the bond that sticks the oxygen and hydrogen atoms together. That frequency has already be discovered. Applying the known resonant frequency in a Cold Fission reactor produces hydrogen fuel.

There are no environmental side effects (zero carbon emissions, zero toxicity) and by using sea water as a source of hydrogen fuel then all of the oil producing nations will have more fuel to sell to the World for decades longer, even centuries longer. We already know that oil is not limitless. We all know that a number of nations depend on selling their oil to their neighbors and allies for revenue so using other sources of fuel will allow those oil producing countries to continue to profit from oil sales much longer than now predicted. As global warming is apparently to blame for the rising of the sea levels then using sea water as a source of hydrogen fuel also addresses and provides a solution to slow and or stop the rise in sea levels that threaten to flood and damage our coastal properties.