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Hi, I'm David Harper the founder of the Money Matters Network; a financial economist and a registered investment adviser that started in the financial industry 18 years ago.
We have worked with people from a wide variety of financial backgrounds, doing Estate Planning for large estates, retirement planning for a wide variety of clients, business planning and business succession planning, becoming your own banker planning and a host of other "economic" techniques with a wide range of client backgrounds. I have found that no matter what the background the overwhelming cause of financial problems is "financial illiteracy". Utilizing the science of economics which is based on safety I have tried to increase the "financial literacy" of everyone I come in contact with.
Think about the following quote, "If the majority were right, the majority would be wealthy" however, this is not true and in fact based on the statistic that out of 100 people in the same age group, at age 65 only 5 are financially solvent. If the majority were right that should be 95% not 5%, the process that the majority is following is a failed system. By utilizing economics I seek to change the thought process of everyone I meet with, and show them that there is a better way, and it does not mean you have to take crazy risk, in fact most economic concepts are based on safety.
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, Find more videos like this on Money Matters Also tune into David Harper’s other radio show “Money Matters Network” on "630 KHOW" Denver’s Talk Station every Saturday at 7 PM Mountain and "760 KKZN" Denver's progressive talk station, every Sunday at 11 AM Mountain or check out some of my past shows in the podcast widget / some of my videos below. To your Success David Harper
Every seed takes time to germinate.
So too in the fields of the soul.
We must never give up and sow
because the results do not
immediate to our eyes.
Let us wait with patience.
In the right moment, the seeds
have driven in the soil of hearts,
there will produce mature fruit.
Understanding and sow Joy, Peace and
Courage, Forgiveness and Love.
Jesus bless you have a good nigh
Hi David , I have been pushing for the sell of US Treasury "Energy Independence Savings Bonds". Savings bonds are normally purchased in $25 increments. This gives a way for just about any American to tighten their belts just a bit by skipping a meal at McDonalds or Pizza Hut and buying a RE savings bond to support a renewable energy project and save money at the same time for themselves. I need help pushing this project, I've faxed and emailed many in Congress/Senate already.If you agree with this plan please consider passing to other people in your district as it will be a great tool to get funding for PickensPlan projects. This is a way to help and give tools to all of us for getting more RE projects started. My email is email@example.com. Here is a copy of a fax sent to Nancy Pelosi yesterday:
Honorable Speaker of the House Congresswoman Pelosi,
I am an Electronic Technician Chief in the US Navy with 27 years service stationed overseas. I’m outlying an idea to assist and work with current plans for achieving energy independence. I urge you, as speaker of the house and the driving force to form the select committee on energy independence and global warming, consider for discussion and introduction into the house US Treasury Savings Bonds for Energy Independance.
In WWII America sold war bonds supporting the war effort. When young, my mother told me her primary school raised enough money through bonds to build a tank to support troops. I am impressed with the patriotism and purpose of our greatest generation that accomplished so much.
Selling energy bonds for RE (Renewable Energy) development would lower foreign oil imports and assist with the complex problem of funding. Bonds sold as “Energy S” could support new solar trough plants, “Energy W” to support wind farms, Energy “H” to support hydroelectric plants, Energy “T” to support RE transportation such as electric bullet train routes powered by RE, Energy "C" COOPS for small communities only needing a small quantity of turbines, and Energy “I” for needed infrastructure high voltage power lines to the RE site. Bonds will have the project name and include an artist’s perspective of the project and an American flag. President Obama had great success with the internet during his campaign. In a similar manner, using the internet, energy bonds could have a website listing current projects and an “electronic checkout” could purchase a bond $25 or higher. Simpler methods of payment such as “PAYPAL” and credit cards would be available and after an electronic purchase is complete a color print out of the bond is available with a follow up of the bond in the mail. The website would limit quantity of projects for each category until funding is complete. After a project becomes funded, a new project will be available. A tab on the site will show history and status of previous projects. Purchasers may take great pride in “collecting” and displaying bonds of various RE projects and participating at different levels of financial support. Solar trough plants in the multi-hundred MW size capacity with molten salt energy storage in California, Arizona, and West Texas can provide a major portion of electric needs. North Dakota has potential to support 1/3 of our nations electric needs in it’s class 4 wind zone areas. There are plenty of suitable proposed wind turbine farms now around the nation to significantly increase our RE if funded. Mid sized hydro-electric has not been used in America to it’s full potential. Following the example of our neighbor, Canada, it would provide a significant increase in percentage of electric production. Developing all three we could provide the majority of our electric and heating needs through renewable energy in a "New New Deal" fashion allowing natural gas for transportation as T. Boone Pickens is working for. Bullet train routes have proven a viable alternative to commercial domestic air service and when powered by electricity provided by RE suppliers America would be in the forefront of world technology. Example, I heard of discussion for a commuter train from Denver to Colorado Springs. Such a route built as a renewable energy project with charter requirement legally requiring to only purchase electricity from available renewable energy sources would be a model example. There are many train routes, city bus systems, and government vehicles that can be converted to run from alternative energy sources and fuels. Jobs created would bolster the economy, lower trade deficit, and strengthen national security. I would take great pride in print outs of bonds with graphics of each project I supported and many other Americans would also. The energy bonds could have tax breaks. BLM lands may be a viable place to start for some projects.
I contacted the US treasury department and was told that the marketing department for savings bonds closed several years ago. I was told there would be problems because savings bonds are at the federal level while the projects will be at the state and local level. I disagree and believe that these can easily be figured out in the way of grants to the state and local level using money from the bonds for those specific projects. I was told to check out auctions on the www.treasurydirect.gov website and found them to not apply to citizens wanting to buy savings bonds to support a cause such as energy independance. I was told by the treasury department to look into CREB (Clean Renewable Energy Bonds). I found CREB to be large scale funding that a citizen would not be able to participate in as a US Treasury Energy Independance Bond would provide. If given the tools to participate directly, the power of the citizens of the United States to help achieve energy independance could not be denied. Americans mean well and the Energy Independance Savings bond program will give citizens the power at their level to make it happen. If marketed through a web page, commercials, and to federal employees the word would get out and participation would spread like wildfire.
Mr. Paul Gipe, a resident of Bakersfield CA, an author of several books about wind energy, and recipient of multiple awards as a pioneer in the industry since the 1970's has put a letter I wrote to Senator Dorgan on this subject as well as an older letter I wrote on wind COOP in JAN07. These websites are:
Like Thomas Freidman says, only a grass roots revolution will get us tangible results! We need everyone to help. Can you please get some signatures asap? It takes a small effort and contributes so much.
Welcome and THANK YOU for joining the Pickens Plan. I just wanted to let you know that a real person out here appreciates you taking that first step.
After you've had a chance to settle in, please let me know if there's anything I can do to guide your path. The basic first steps are reviewing the current topics in the Forum, and when you are comfortable, letting others know about the website. The people here are interested in making the plan a success and those you invite should be able to see for themselves that this is the right place to be.
Here are further steps you might consider.
- Visit the My Energy page and get involved.
- Work your contacts to increase press coverage.
- Write to congressional representatives directly.
- Use Pickens Action buttons or call (202)225-3121.
- Speak out for ending our dependence on foreign oil.
- Write letters to the editor of your local paper.
- Download flyers/etc from here or here.
- Download the Petition and ask others to sign it.
- Start a company to build wind turbines/solar panels.
- Start a financing firm to invest in those companies.
- Tell everyone you know about PickensPlan.com.
Decide for yourself what you can do, but definitely do something.