- Product Highlights
- Brainpower tip
- Time tip
- Finance tip
- Security tip
- Health tip/Fitness tip
- Thought for the day
has just managed to wrangle a huge price concession on one
particular product and we can pass the savings on to our customers.30% off sale ends 28 NOV.|
|Lean Body is an instant, delicious (yes,
everyone says that but in this case it's true) meal replacement
drink mix that provides the extra protein and nutrients that
athletes and bodybuilders need to support muscle recovery and
growth. Twenty 2.75 oz (78 g) packets [3lb, 7 oz (1.56 kg)].
Buy two and save $10 more!
That is, get your second box for only $27!
tastes great, and provides for lean and nutritious meals at the
office or while on a trip. You can order a nice shaker with it for
next to nothing, also.
It's perfect for parents on the go, kids on
the run, and anyone else who needs something other than junkfood and
who likes a tasty treat that helps muscles grow rather than
waistlines and chins.
If there's a good response on this deal, I'll
see what other ones I can bring to you. With taxes climbing faster
than wages, we could all use some help and I'm just doing my part to
help my subscribers.
1. Product Highlights
Know your personal fat facts|
Did you know that Americans typically gain 10 lbs of fat
during the November/December holiday season? As it takes something like 5,000
situps to burn off a pound of fat, this is serious!
It's also why so many folks gain the "middle age spread" when they really don't
have to. One way to help you avoid this problem is to monitor your bodyfat and
make small adjustments as needed.
Be in control, this season.
Diane Vianello has posted an excellent article on
holiday eating, at
2. Brainpower tip
Pattern matching is one way the brain processes information
very quickly. But it doesn't ensure accuracy. In fact, it works against
accuracy. It's why people who rely heavily on it see what they want to see, rather than seeing
Now, in keeping with tradition, I'm going to
time-tested (and often testy!) approach of illustrating a concept with
an emotional hot button issue. I've thrashed religious themes pretty well,
so let me descend into the other area polite people aren't supposed to
For those who don't know, I am not a Democrat or a Republican. I see the
huge flaws in both parties, and I see them as opposite sides of the same
coin. These folks spew a lot of promises, but they don't do what they are
elected to do. Most people view the political spectrum on a horizontal
plane: Democrats on the left, and Republicans on the right. This leaves out
the vertical axis, which consists of statism (communism, socialism) on the
bottom and freedom/liberty on the top.
Viewing the political landscape through this fractured lens, people tend
to choose between the Democrats and the Republicans--which is like choosing
between the Genoveses and the Gambinos or the Crips and the Bloods.
- Democrat voters tend to pick out the good things about the
Democratic Party and totally ignore such things as their continued
backing of the Violent Criminal Working Conditions Improvement Program
and other nonsense.
- Republican voters tend to pick out the good things about the
Republican Party, and totally ignore things that no citizen should
People in both camps ignore the things both parties do, such as spend us
into oblivion, tax us to death, and refuse to take governing seriously.
Consequently, CONgress is the opposite of PROgress.
Did you know we have a National Sales Tax and it's the largest single tax
you pay? Here's how it works:
- Senators and CONgressmen collude on pork barrel spending projects,
most of which are illegal and unconstitutional. This is how they reward
the people who actually put them in office. It's why the federal govt is
85 times the size it was 100 years ago (that's an actual number) even
though we obviously don't have 85 times the population to pay for it.
- The money to pay for this largesse has to come from somewhere. It
comes from a combination of currency devaluation (inflation) and
- When the govt borrows in such massive amounts as it does, this
crowds out the credit market and makes capital far more expensive than
it should be.
- Again, money has to come from somewhere. To pay for the grossly
increased cost of the capital they need, business raise prices.
- The result is you pay a stealth tax. The price of every product or
service you pay for includes more funding for govt spending than any
other component of its price composition.
This has been going on for decades, yet people continue to vote for
Democrat or Republican because they match patterns to see what they want to
see. We have a nation mostly of blinded voters who have it exactly backwards about
the concept of a "wasted vote." If you vote Democrat or Republican, nothing
of any significance will change. Ever. We will still endure our 85% tax rate
(that's a conservative estimate, taken from several financial newsletters
over time), still see our national treasures plundered, and still be
disenfranchised voters. All these two parties do is pass the ball back and
forth while playing the same games with your money.
Ask yourself why Americans work 60 to 80 hours a week, are lucky if they
get two weeks "paid" vacation (while being expected to stay current on
e-mails), and have 10 to 12 holidays a year while their European
counterparts work 30 to 38 hours a week, get at least four weeks of real
vacation, and enjoy many holidays. We are working to pay for the spending
sprees our "elected" officials gorge on, simply because we keep voting for
one of two parties.
This is just one example of the disabling effects of pattern matching.
Thanks to a nearly complete reliance on it, elections in America keep
producing the same undesirable results. We still have mere employees of
federal agencies making up their own laws as they go along, we still have
legislators getting paid a pile of dough for essentially sleeping on the
job, and we still have the vast majority of our wages seized from us only to
be pi--ed away on more stupid pork barrel spending. That is, collectively,
our own fault. But it won't change until we stop relying on pattern matching
as our way of viewing what's going on around us.
Look for pattern matching also in your relationships. For example, do you
hear what the other person is actually saying or do you simply play a "tape"
of what you expect that person to say? Don't answer too quickly. Take the
time to assess what really goes on in the conversations you have.
Pattern matching works great for emergencies and for many other things.
But don't let it be the only tool in your mental repertoire. To get past its
limitations, you need an open mind. You need to ask, "How else might I view
this information? What assumptions am I making, and how do I know those are
true? What if I flip things around?"
3. Time Tip
4. Finance tip
Long-term Care Policies, Part Ten.|
This concludes our discussion on this topic.
So, you've looked at all the facts, disinformation, propaganda, etc.,
on LTC and decide you need a policy. How can you find a salesperson who
isn't a sleazeball? The same way you hire anyone (and you are hiring
this person). You interview. Call an agent and explain you are shopping
for an LTC agent. You aren't looking at price quotes, yet. You want to
find the right person to help you with the purchase (that's the
salesperson's job, as opposed to simply being an order taker). So, ask
some questions such as these:
- What kinds of insurance do you sell?
- Why do you sell LTC?
- If you were asked to, could you do policy comparisons against at
least one competitor?
- What are some common mistakes people make with LTC?
- Tell me why I should do business with you.
The point of these questions is to determine if this person:
- Knows the business.
- Believes in the product.
- Is someone you feel comfortable with.
Don't comment back on the answers, argue, or waste this person's time
with chit-chat. Don't make promises. After you get the answers, thank
the person. Then say something like, "This is a job interview, and if I
decide to hire you I will let you know. I'm hiring someone to guide me
to the right policy."
You might interview 2 or 3 people. Don't spend huge amounts of time
trying to find the perfect sales person. You may really click with the
first one you contact. If so, call back the next day and ask about
setting up an appointment.
It's worth noting that the LTC market is dominated by 10 players who
sell 80% of the policies. These are names you would recognize--they are
simply big players in life and health insurance, period.
You may find an independent agent who deals solely in the other 20%.
When working with your agent, ask for comparisons with policies that
agent doesn't sell. Any agent who doesn't know the marketplace and
doesn't know the competition is pretty much just an order taker.
This organization may help: www.ahip.org
5. Security tip
Lately, I've been pummeled with e-mails that almost
demand a click-through. I get "invoices" for things I didn't order, and
some are in the thousands of dollars. The scammer expects a target to
panic and click through to "straighten out the problem." The correct
approach is to simply delete such e-mails.|
The same thing happens with snail mail. I am forever receiving invoices
for magazines and for various products and services. Unless you actually
ordered such things, none of these "invoices" can legally bind you.
Yes, you can get false invoices from the American
Taliban. An OMB report showed 95% of the notices they send out have at
least one error. But you still have to answer these folks, because the
assumption is you are guilty until you prove your innocence beyond a
reasonable doubt. It would be easier to convict O.J., but that doesn't
With invoices, then, the rule is this: If they are
from the American Taliban, you must call and write and you must
then follow up every 10 days until you receive written confirmation that
the issue is completely resolved. Otherwise, you could find all of your
assets seized without notice.
6. Health tip/Fitness tips
A rabbit's teeth never stops growing. They are kept
worn down by gnawing on food. Similarly, Congress' appetite for
pork-barrel spending never stops. They keep you worn down by gnawing
away at your wallet with ever-increasing taxes.
See: Special Offers (expired link now removed).
It has some great offers that are worth following
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8. Thought for the Day
If today is a direct result of yesterday's actions, what
will tomorrow look like?|
Wishing you the best,
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