Wall Street On Parade Financial Literacy

Wall street on Parade

Selective Inflation Increases Financial Gap by Jonathan A Weiss Esq.

2018 Financial Secrecy Score

Federal Reserve Spokesman Explains How It Creates Money Out of Thin Air to Pump Out to Wall Street
https://wallstreetonparade.com/2019/10/federal-reserve-spokesman-explains-how-it-creates-money-out-of-thin-air-to-pump-out-to-wall-street/

The Fed Fears an Explosion on Wall Street: Here’s How JPMorgan Lit the Fuse
https://wallstreetonparade.com/2019/10/the-fed-fears-an-explosion-on-wall-street-heres-how-jpmorgan-lit-the-fuse/

By Pam Martens and Russ Martens: October 28, 2019 ~
JPMorgan Chase is the largest bank in the United States with $1.6 trillion in
deposits from more than 5,000 retail bank branches spread across the country.
When it withdraws liquidity from the U.S. financial system, that has a
reverberating impact.
According to the filings that JPMorgan Chase […]

Remembering Mark Pittman, the One Journalist Who Would Have Been All Over the Fed’s Latest Wall Street Bailouts
https://wallstreetonparade.com/2019/10/remembering-mark-pittman-the-one-journalist-who-would-have-been-all-over-the-feds-latest-wall-street-bailouts/

https://youtu.be/GZkLXCZRBKY
By Pam Martens and Russ Martens: October 25, 2019 ~
Today would have been Mark Pittman’s 62nd birthday. Pittman died of a heart attack at age 52 on November 25, 2009 in the midst of a pitched court battle with the Federal Reserve to obtain data on its secret loans to Wall Street.

Quietly, U.S. and Foreign Banks Have Increased their Borrowings from U.S.
Money Market Funds
https://wallstreetonparade.com/2019/10/quietly-u-s-and-foreign-banks-have-increased-their-borrowings-from-u-s-money-market-funds/

Barclays (Green), UBS (Red), Deutsche Bank (Blue) and Credit Suisse (Orange)
— Stock Price Over the Past Decade
By Pam Martens and Russ Martens: October 25, 2019 ~
Memories are apparently very short at the Securities and Exchange Commission (SEC). The SEC seems to have forgotten that a run on money market funds holding bank commercial […]

What Are They Smoking at CNBC?
https://wallstreetonparade.com/2019/10/what-are-they-smoking-at-cnbc/

Headline at CNBC, Thursday, October 24, 2019
WSOP Staff: October 25, 2019 ~
Yesterday, the headline above appeared at CNBC. The headline writers there
must be living in an alternative reality.
Let us remind CNBC viewers what 2019 is actually shaping up to be: it’s the
year that the highest priced stock in the price-weighted Dow […]

2018 National Assessment of Educational Progress (NAEP) in technology and engineering

2018 K12 NAEP Technology and Engineering Literacy (TEL)

https://twitter.com/naep_nces

Do U.S. students have the & skills and knowledge they need to succeed in the 21st century? Find out in the newly released NAEP Technology and Engineering Literacy Report Card.

Students who are literate in technology and engineering can use, understand, and evaluate technology. They can understand the technological principles and strategies that are needed to develop solutions and achieve goals. This includes students being able to use various technologies to communicate and collaborate.

Technology and engineering skills are an integral part of students’ everyday lives and will be critically important as they continue their educations and enter the workforce. Since technology is also integrated into other subjects, students require strong skills in this area to excel in all aspects of their coursework.

About the assessment
The computer-based assessment, administered to eighth grade public school students nationwide, asks students to complete collaborative, multimedia tasks and solve practical problems based in real-world contexts. It focuses on three major areas:

Technology & Society
Students’ understanding of the effects of technology on society and the natural world, which equips them to grapple with related ethical questions.

Design & Systems
Students’ understanding of engineering design processes, including basic aspects of managing everyday technology such as maintenance and troubleshooting.

Information & Communication Technology
Students’ ability to use technologies for accessing, creating, and communicating information, as well as facilitating creative expression.

ARTS https://www.nationsreportcard.gov/arts_2016/

Report Card 

Achievement Gaps Dashboard

State Profiles

State Performance Compared to the Nation: Data Table
Mathematics, Grade 4
Difference in average scale scores, percentage at or above Basic, percentage at or above Proficient, between all jurisdictions and National public, for All students [TOTAL], 2017

https://www.nagb.gov/naep-results/mathematics/2017-naep-reading-and-math-report.html

latest results

George Widener self-taught artist and calendar savant

George Widener (b.1962, Cincinnati, Ohio) is a self-taught artist and calendar savant who employs his extraordinary mathematical & calculating capabilities along with memorized census population statistics to create artworks based around significant dates and historical events. His works often employ complex date juxtapositions and bold numerical patterns that support an overarching theme like the sinking of the Titanic, one of his more prominent motifs.

The Man Who Saw Trump Coming a Century Ago

Thorstein Veblen, the greatest American thinker you probably never heard of, predicted the rise of a Gilded Business Man and the demolition of democracy.

The Man Who Saw Trump Coming a Century Ago

Veblen got his initial job, teaching political economy at a salary of $520 a year, in 1890 when the University of Chicago first opened its doors. Back in the days before SATs and admissions scandals, that school was founded and funded by John D. Rockefeller, the classic robber baron of Standard Oil. (Think of him as the Mark Zuckerberg of his day.)

from the beginning, Thorstein Veblen was there, prepared to focus his mind on Rockefeller and his cronies, the cream of the upper class and the most ruthless profiteers behind that Gilded Age. He was already asking questions that deserve to be raised again in the 1% world of 2019. How had such a conspicuous lordly class developed in America? What purpose did it serve? What did the members of the leisure class actually do with their time and money? And why did so many of the ruthlessly over-worked, under-paid lower classes tolerate such a peculiar, lopsided social arrangement in which they were so clearly the losers?

Here’s Why Wall Street Bank CEOs Started to Sweat Yesterday about Today’s House Hearing

Here’s Why Wall Street Bank CEOs Started to Sweat Yesterday about Today’s House Hearing

By Pam Martens and Russ Martens: April 10, 2019

http://wallstreetonparade.com/2019/04/heres-why-wall-street-bank-ceos-started-to-sweat-yesterday-about-todays-house-hearing/

At 8:00 a.m. yesterday, Politico’s Ben White and Aubree Eliza Weaver dropped the news nugget that the nonprofit watchdog, Better Markets, would be releasing one day ahead of today’s House hearing with the CEOs of the largest banks on Wall Street a report titled: “The RAP Sheet for Wall Street’s Biggest Banks’ Crime Spree,” which promised to detail, for the first time, “that of the more than $29 trillion in total bailouts, the six biggest banks in the country (Bank of America, Citigroup, Goldman Sachs, JPMorgan Chase, Morgan Stanley, and Wells Fargo) received more than $8.2 trillion, or nearly one-third of the total bailouts provided to the entire financial system.”

Wall Street On Parade has been reporting since 2012 that of the secret $16 trillion bailout loans made at almost zero interest rates by the Federal Reserve during the financial crisis, a handful of mega banks on Wall Street received the lion’s share. (See here and here.)

But what Better Markets has done in its new report is to combine the Fed’s largess with that of TARP (Troubled Asset Relief Program) and support provided by the Federal Deposit Insurance Corporation and other guarantee programs. It comes up with the following:

“At least $29 trillion was lent, spent, pledged, committed, loaned, guaranteed, and otherwise used or made available to bailout the financial system during the 2008 financial crash. The American people were told that this unprecedented rescue was necessary because, if the gigantic financial institutions, mostly on Wall Street, failed and went bankrupt (like every other unsuccessful private business in America), then they would take down the entire financial system, which would take down the U.S. economy, wreaking havoc on Main Street families.

“This has actually been true since the 1930s for traditional commercial and retail banks, primarily because they provide essential financial services like checking and savings accounts as well as loans to individuals and businesses small, medium, and large.  That is the fuel for the American economy, standard of living, and overall prosperity, which is why those banks are insured by the FDIC and backed by the taxpayers.  In addition, those banks were guaranteed because the odds of their failure were minimized—and taxpayers were protected—by numerous banking regulators who policed their activities to promote safe and sound banking practices, making bailouts less likely.

“However, the $29 trillion in bailouts from the Fed, FDIC, and other regulators (in addition to the $700 billion taxpayer dollars made available under the TARP program) were not only or even primarily provided to those regulated banks that take deposits and make loans. Instead, those bailouts were extended to virtually all financial institutions, including those engaging in the most dangerous, high-risk activities that actually caused the financial crash.

Thus, for decades gigantic nonbank financial institutions like Goldman Sachs, Morgan Stanley, AIG, money market funds, and many more were allowed to maximize private profits with little or no regulation, but when their activities triggered the crash, they nonetheless were bailed out.

“This was a stunning violation of the most basic rule of capitalism, applicable to virtually every other business in America:  Failure leads to bankruptcy.”

Now that the researchers have really gotten readers’ blood boiling about the crony regulators and the secret trillions in bailouts, Better Markets delivers the gut punch.

Despite all of that taxpayer support, the mega banks that received it not only continued their crime spree but upped their game. The researchers write:

“In fact, they have engaged in—and continue to engage in—a crime spree that spans the violation of almost every law and rule imaginable.

Taking the breadth and depth of their illegal conduct as a whole, the six biggest banks in the country look like criminal enterprises with RAP sheets that would make most career criminals green with envy.

That was the case not just before the 2008 crash, but also during and after the crash and their lifesaving bailouts…

In fact, the number of cases against the banks has actually increased relative to the pre-crash era.”

Better Markets then proceeds to detail the ghastly RAP sheets of each of the six mega banks. (Read the full report here.)

Against that backdrop, the CEOs of seven of these mega banks will take their seats at a hearing at 9:00 a.m. this morning before the House Financial Services Committee. You can expect to see a lot of their lawyers in the seats behind them.

 CEOs of 7 mega banks challenged by House committee In one of the tensest moments of the hearing, the chief executive of JPMorgan Chase acknowledged his bank benefited from slavery.

In 2005, JPMorgan Chase acknowledged that two of its banking predecessors had received thousands of slaves as collateral before the Civil War and that the bank had also owned hundreds.

Sen. Elizabeth Warren (D-Mass.), a fierce industry critic, has made executive accountability — including making it easier to jail chief executives — one of the central themes of her presidential campaign.

https://www.washingtonpost.com/business/2019/04/10/ceos-mega-banks-will-testify-before-house-committee-heres-what-expect/

Slime ball Fed proposes easing post-crisis rules for slime ball big banks buddies
The proposal comes as the Trump administration continues to look for ways to curtail the regulatory burden faced by the banking industry, a decade after the global financial crisis. The industry has complained many of the strictest rules are too cumbersome and costly.

William Burroughs calculators and beat generation writers.

William Seward Burroughs I was an American inventor born in Rochester, New York and educated in the public school system. He obtained a job in the Boyer Machine Shop.

He invented a “calculating machine” (first patent filed in 1885) designed to ease the monotony of clerical work. He was a founder of the American Arithmometer Company (1886), which later became the Burroughs Adding Machine Company (1904), then the Burroughs Corporation (1953) and in 1986, merged with Sperry Corporation to form Unisys.

Tammy Werner of Unisys hands the Deed of Gift Agreement to John Alviti, Senior Curator at The Franklin Institute. The machine is given by Gail A. Arrington, on behalf of Unisys Corporation, in memory of Joseph H. Arrington.The Franklin Institute shows Burroughs Adding Machine

Grandfather of Beat Generation writer William S. Burroughs and great-grandfather of William S. Burroughs, Jr., who was also a writer.

William Burroughts Nike CM The purpose of technology is not to confuse but to serve

 

 

Beat luminaries Allen Ginsberg and Jack Kerouac, influenced generations of disillusioned outcasts, hippies and punks alike.

1953 semi-autobiographical novel, Junkie: Confessions of an Unredeemed Drug Addict William S. Burroughs
“They lounged around Singapore and Rangoon smoking opium in a yellow pongee suit,” wrote Burroughs in a 1985 essay. “They sniffed cocaine in Mayfair and they penetrated forbidden swamps with a faithful native boy and lived in the native quarter of Tangier smoking hashish and languidly caressing a pet gazelle.”
The Beat writer spent nearly two decades as a heroin addict, traveling the world on his parents’ dime while filling notebooks with what would become his controversial 1959 masterpiece, Naked Lunch, in which Burroughs ripped apart the conventions of linear narrative and dared to write openly — disturbingly so, at times — about his fantasies and homosexuality. Burroughs’ family money and legal connections allowed him to avoid a two-year prison term for manslaughter after killing his  common-law wife, Joan Vollmer.

William S. Burroughs, Jr., died in 1981, at the age of 33, from alcoholism and liver failure.  On September 6, 1951, Billy’s father accidentally shot and killed his mother in a drunken game of ‘William Tell’ in Mexico City. In chapter three of his second novel, Kentucky Ham, Burroughs relates his memory of the day his mother was shot dead, as well as the following reunion with his father after he was freed from a Mexico City prison. While his father stayed in Mexico, Billy went to live with his paternal grandparents – Mortimer and Laura Lee Burroughs, in St. Louis, Missouri.

Blue Oyster Cult Session in late  1976 with a session with famed producer Bruce Dickinson

More Cowbell

Bruce Dickinson “Heavy Metal was a term coined by a journalist actually, and I think it’s from William R. Bourrrough’s novel but that’s a minor detail.” more

cyberplayground

1958 National Defense Education Act, PL85-864 (graduate fellowship program and the National Defense Student Loan Program (NDSL), the precursor to the Perkins Loan Program, first Federal student aid program for low-income students)
http://nndb.com/
Carl D. Perkins Vocational and Technical Education Act
Carl Dewey Perkins (October 15, 1912 – August 3, 1984, a Democrat, was a politician and member of the United States House of Representatives from the state of Kentucky.
Perkins, Carl Dewey (1912-1984) — also known as Carl D. Perkins — of Hindman, Knott County, Ky. Born in Hindman, Knott County, Ky., October 15, 1912. Democrat. Lawyer; member of Kentucky state house of representatives, 1940; served in the U.S. Army during World War II; U.S. Representative from Kentucky 7th District, 1949-84; died in office 1984. Member, American Legion; Freemasons. Died in Lexington, Fayette County, Ky., August 3, 1984 (age 71 years, 293 days). Interment at Perkins Cemetery, Leburn, Ky.
Relatives: Father of Carl Christopher Perkins (1954-).
http://www.nndb.com/people/288/000129898/
Perkins, Carl Christopher (b. 1954) — also known as Carl C. Perkins;
Chris Perkins — of Leburn, Knott County, Ky. Born in Washington, D.C., August 6, 1954. Democrat. Member of Kentucky state house of representatives, 1981-84; U.S. Representative from Kentucky 7th District, 1985-93; minister. Baptist; later Presbyterian. Pleaded guilty in 1994 to bank fraud in connection with the House banking scandal; he wrote overdrafts totaling about $300,000 (covered by the House bank) and made false statements to obtain loans from commercial banks; also pleaded guilty to charges of filing false statements with the Federal Election Commission and false financial disclosure reports. Sentenced to 21 months in prison. In March 2000, pleaded guilty to criminal contempt of court for lying to a federal probation officer about his income. Still living as of 2013.
http://politicalgraveyard.com/bio/perkins.html
1986 Reauthorization of the Higher Education Act (added Congressional Methodology as a second federal need analysis methodology, gave financial aid administrators broad discretion through “professional judgment”, required financial need for the GSL interest subsidy, NDSL renamed Perkins Loan, created Supplemental Loan to Students (SLS) for graduate, professional and independent students, restricted PLUS loans to parent borrowers, added FFEL consolidation loans)
http://www.finaid.org/educators/history.phtml
A History of Vocational and Career Education in Ohio: 1828-2000
http://www.scribd.com/doc/85309209/A-History-of-Vocational-and-Career-Education-in-Ohio-1828-2000
iUniverse, Inc. New York Lincoln Shanghai
To fulfill an eligibility requirement of the Carl Perkins Vocational and Applied Technology Education Act, an assessment was conducted of the public vocational … Carl D Perkins Voc and Appl Techn Educ Act 1990
http://eric.ed.gov/?id=ED330816
The Carl D. Perkins Vocational and Technical Education Act was first authorized by the federal government in 1984 and reauthorized in 1998. Named for Carl D. Perkins, the act aims to increase the quality of technical education within the United States in order to help the economy.
On August 12, 2006 President George W Bush signed into law the reauthorization of the Act of 1998. The new law, the Carl D. Perkins Career and Technical Education Improvement Act of 2006, was passed almost unanimously by Congress in late July, 2006.
The new law includes three major areas of revision:
1) Using the term “career and technical education” instead of “vocational education”
2) Maintaining the Tech Prep program as a separate federal funding stream within the legislation
3) Maintaining state administrative funding at 5 percent of a state’s allocation
The new law also includes new requirements for “programs of study” that link academic and technical content across secondary and postsecondary education, and strengthened local accountability provisions that will ensure continuous program improvement.
The Perkins Act provides almost $1.3 billion in federal support for career and technical education programs in all 50 States, including support for integrated career pathways programs.
http://www2.ed.gov/policy/sectech/leg/perkins/index.html
http://www.clasp.org/ a national picture of infant-toddler child care policies and finds that, collectively, states could be doing far better meeting the needs of our youngest children and their families
Corilie Perkins
http://web.archive.org/web/20100305131140/http://www.citizendia.org/Episcopal_Church_in_the_United_States_of_America

cyberplayground

https://haveibeenpwned.com/ Check if you have an account that has been compromised in a data breach.
Top 10 breaches
152,445,165 Adobe accounts
30,636,380 Ashley Madison accounts
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3,474,763 Спрашивай.ру accounts
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Ashley Madison
Was your profile compromised in the Ashley Madison hack?
https://ashley.cynic.al/
My account was compromised! What do I do now?
 
PROBLEMS WITH FACEBOOK
#howtogetofftheinternet #person #parent #facebook #underage kid

Facebook Wants to Redline Your Friends List
The company recently filed a patent on using social network data to influence lending decisions. God help us all.
In short: You could be denied a loan simply because your friends have defaulted on theirs. It’s the kind of digital redlining that critics of “big data” collection have been warning of for years. It could make Facebook a lot of money, and it could make the Web even less safe for poor people. And it could be just the beginning. <more>

China is the E-Waste Computer dump for the world

E-waste dump of the world.

Guiyu computer dump –
1. The Electronics Junkyard Dismantlers of Guiyu

    2008 Guiyu was once a peaceful rice-growing village located in the eastern province of Guangdong, southern China – that is – until a surge of broken computers and laptops arrived from the Western World. Since then, Guiyu has been proclaimed the World’s electronic-waste capital. For around $1.50 USD, around 60,000 local workers including children risk their lives and limbs to scramble for anything of value out of your old computer. Some workers go the river bank, located just outside the village, where they make small fires to heat an extremely toxic mixture dubbed Aqua Regia. It contains 75 per cent pure Hydrochloric Acid and 25 per cent pure Nitric acid. Using the mixture, workers try to extract the small amount of gold found within a number of electronic parts such as computer chips. This method is extremely harmful both to humans and environment, as it produces sulfur dioxide and chlorine. At best, protection comes in the form of only a pair of rubber boots or a pair of gloves; but many of the workers endure a day’s labor without any protection at all.

2. Much toxic computer waste lands in Third World

    “25 Feb 2002 … (AP) — What happened to that old computer after you sold it to a … That often involves operations like the dump in Guiyu or similar ones …”

3. The Seattle Times: Nation & World: E-waste dump of the world

    “9 Apr 2006 … A worker piles discarded aluminum computer casings on the back of a motorized transport at the town of Guiyu in southern China. …”

4. Electronic waste in Guiyu – Wikipedia

    “While taping part of the story onsite at an illegal recycling dump in Guiyu, representatives of the Chinese recyclers attempted without success to …”

5. E-Waste Not How–and why–we should make sure our old cell phones, TVs and PCs get dismantled properly

    “Even though holiday sales were down at least 2% from 2007, millions of Americans awoke Christmas morning to new computers, TVs and iPhones. (I didn’t, but thanks for the pens, Mom.) Many of those gifts were replacements or upgrades, which prompts the question, What should you do with your old cell phone and other electronic equipment?

6. KILLER Digital Dumping Grounds on Earth, in Agbogbloshie, Ghana …

    “23 Jul 2009 … BIGGEST Military Computer Hacking of ALL-TIME, from a normal …. The southern Chinese city of Guiyu has been completely built around the e-waste trade. … and maybe one day put the digital dumps out of business. …” http://www.pbs.org/frontlineworld/stories/ghana804/video/video_index.html

7. Journal of Material Cycles and Waste Management March 2006, Volume 8, Issue 1, pp 21-33 Environmental contamination from electronic waste recycling at …

    ” dismantling electronic equipment, selling computer … roller dump site. A reservoir located in the northern part of. Guiyu, approximately 6km from the …” http://www.springerlink.com/index/G8K452X2542HK200.pdf

8. 2007 Elevated blood lead levels of children in Guiyu, an Electronic …

    “Guiyu has become a hub for illegal and unsafe computer recycling. … Dump. One of the worst polluted spots is Guiyu, China, where the levels of dioxin, …”

9. “12 Nov 2007 … “A migrant child from Henan province holds up a piece of e-trash, once a computer screen bearing a “Nokia” logo in a junk yard in Guiyu in …”
10. The WIP Contributors: E-waste: America’s Electronics Feed the …

    “26 Apr 2009 … The landscape of Guiyu, a remote town in China’s Guangdong province, … piles of unrecyclable computer waste imported from around the world in Guiyu, China. … Nigeria to this nearby informal dump sitting on a swamp. …” http://www.thewip.net/contributors/2009/04/ewaste_americas_electronics_fe.html

11. Elevated Blood Lead Levels of Children in Guiyu, an Electronic …

    “Leaching of lead from computer printed wire boards and cathode ray tubes by … Johnson T. E-waste dump of the world. 2006. [[accessed 20 July 2006]]. …”

12. FOXNews.com – Chinese Recyclers Live in Toxic E-Waste Dump

    “Chinese Recyclers Live in Toxic E-Waste Dump, Southern city of Guiyu full of … wires to recover copper and cooking computer motherboards to release gold. …”

13. GARBAGE AND RECYCLING IN CHINA

    China produces 254 million tons of garage a year, or about a third of a kilogram per person per day—a third of the world’s annual trash and garbage output.

14. “2008 Following The Trail Of Toxic E-Waste
60 Minutes
is going to take you to one of the most toxic places on Earth — a place that government officials and gangsters don’t want you to see. It’s a town in China where you can’t breathe the air or drink the water, a town where the blood of the children is laced with lead. It’s worth risking a visit because, as correspondent Scott Pelley first reported last November, much of the poison is coming out of the homes, schools and offices of America.
15. E Waste

    “Burn houses in distance and smoke where computer parts from the United States are burned. … Guiyu is one of the biggest e-waste centers of the world. … Alaba market in Lagos, Nigeria to this nearby informal dump sitting on a swamp. …”

16. The World’s Electronic Waste Dump
Guiyu, China is often referred to as the “e-waste capital of the world.” The city employs over 150,000 electronic waste dis-assemblers, recyclers, and salvage workers who toil through 16-hour days tearing apart discarded computers and other electronic devices.
17. Where computers go to die — and kill | Salon News

    “10 Apr 2006 … Top: Woman in Guiyu, China, about to smash a cathode ray tube from a … A short distance inland, the trucks dump their loads in what looks like … rivers that have become dumping grounds for discarded computer parts. …”

http://www.salon.com/news/feature/2006/04/10/ewaste/
18. Elevated blood lead levels of children in Guiyu, an Electronic

    “RESULTS: BLLs in 165 children of Guiyu ranged from 4.40 to 32.67 ….. Leaching of lead from computer printed wire boards and cathode ray tubes by municipal solid waste “Municipal waste” redirects here. … E-waste dump of the world. …”

[ECP] Educational CyberPlayGround, Inc. K12 Newsletters

K12 Education STEM Projects

SCIENCE – Home Economics – Math – Environment


Cleaning Appliances

VIDEO

Refrigerator and Freezer
The best cleaner is a mix of vinegar and water.
And for clean air, use fresh coffee grounds in a container with some holes in it in your refrigerator.
Coffee is better than baking soda for absorbing odors.
Washing Machine
Tang is the best way to clean your washing machine.
Front loading washing machine, use 1/4 cup of tang drink mix to an empty machine.
Run it through a basic cycle using hot water. This cleans the mineral deposits left from soap and also cleans the pipes.
When you use Tang in your front loading washing machine, once a week for four weeks and then once a month, and it’s just once a month on your dishwasher too!
Dishwasher
– add two cups of bleach to the bottom of an empty machine and run through a wash cycle.
– Then add four cups of white vinegar to the bottom and run through another cycle.


Homemade Cleaners
http://thefrugalgirls.com/homemade-cleaners
Laundry Detergent Recipe
Directions
http://thefrugalgirls.com/2010/08/how-to-make-homemade-laundry-detergent.html

  1. 1/2 Cup: Arm & Hammer Super Washing Soda {not Baking Soda}
  2. 1/2 Cup: Borax 1/3 Bar of Fels-Naptha Soap {you could also use Ivory soap, but if using Ivory… use the whole bar}
  3. Bucket {2 gallon size or larger} Empty laundry detergent containers or bucket with lid to store detergent.

Homemade Fabric Softener Recipe
Directions
http://thefrugalgirls.com/2010/10/homemade-fabric-softener.html
6 cups HOT water
3 cups White Vinegar
2 cups Suave Hair Conditioner {Refreshing Waterfall or Coconut scents}
Mix conditioner & hot water well, until conditioner is dissolved completely.
Add the vinegar, and mix well.
Store in a large container {empty fabric softener container, empty large vinegar bottle, etc}
Pour into a downy ball… or use approx. 2 tbsp. in the fabric softener spot in your laundry machine… then wash!

comments:
I also use the homemade laundry detergent in the dry form and use just plain white vinegar as a softener. I was amazed at how well the vinegar worked to soften my clothes … with no vinegar smell.
I dilute regular fabric softener 2x so end up with 3x the amount and use that as a liquid or leave it all in a bucket and throw sponges in. wring out the sponge and throw 1 or 2 in the dryer as dryer sheets
I have an HE washer and dryer. I have been using this homemade fabric softener for about 6 months now and I could not be happier. It works great. Sometimes my laundry used to smell after washing and drying it but not anymore. I also starting leaving my washer machine door open a little. Again, this homemade fabric softener is great and I have definitely saved money. I use Suave or V05 and try to keep the scent something like a breeze or fruity scent.
I have a frontloader as well. I have been using frontload machines for 14 yrs now. The vinegar is great as an additive for the frontload machines as it cleans the machine as well. Run the mixture through the dispenser :). i also use 3 cups white vinegar & hot water through my machine regularly as a cleaner. use the tray dispenser to dispere 1 cup & dump the other 2 cups on the inside add a white towel & hot water cycle it all the way through . It keep it fresh & clean isnde no midlew or build up

Homemade Dryer Sheets

Directions
http://thefrugalgirls.com/2010/01/save-money-on-laundry-cut-dryer-sheets-in-half.html
comments:
I also make my own dryers sheets.
I take a third of a bottle of your favorite fabric softner and pour it into an empty gallon jug. (cleaned milk jug works great!) Fill the rest of the way with tap water and shake. Pour some into a small open plastic container. Take two new (plain cheap) sponges and cut them in half. Place cut sponges in softner mix and then pull one out, ringing it slightly and add to your dryer. These work great and you can just keep using the sponges again and again.
I made a mixture of 2 cups of cheep suave hair conditioner and 4 cups of water. Pour the conditioner in a pot on low heat add water and pour it into any container you can seal I used an old icecream bucket, I bought a pack of 6 sponges and cut them in half throw them in the bucket and when you need a dryer sheet wring out excess liquid from one sponge so it isn’t dripping wet when it goes in the dryer and you can re use these over and over and the liquid mixture will last a long time I have laundry for 7 people and it works great to save money.
I use an old washcloth: pour just a small amount of liquid fabric softener on it and toss it in the dryer. It works fantastic! It’s way more economical than adding the liquid to the washing machine.

Homemade Fabreze Recipe
http://thefrugalgirls.com/2013/03/diy-homemade-febreeze-recipe.html

Directions:
Add 3 tbsp. Fabric Softener {like your favorite scent of Downy} to empty spray bottle
Fill spray bottle with approx. 2 – 3 cups hot water. {depending on size of bottle}
Add in 1 tbsp. Baking Soda Mix, and enjoy!!
Portions can be adjusted slightly, depending on the size of your spray bottle.