- Product highlight
- Brainpower tip
- Time tip
- Finance tip
- Security tip
- Health tip/Fitness tip
- Thought for the day
1. Product Highlight
This course shows you how to reduce,
eliminate, negotiate, and mitigate debt.
This course applies to both
individuals and businesses, and it contains specific tips and
techniques for each. It covers how to work with creditors, how to
handle bankruptcy and how to find money where it seems there is
Sure, maybe your finances are in order--if so,
congratulations. But not everyone you know is in that position. In
fact, due to Alan Greenspan's 50% tax (the dollar lost 50% of its
value during his reign of incompetence and inflation creation), most
Americans are struggling with debt. That doesn't include their share
of the $9 trillion federal debt, either. Buy a couple copies of this
course and give them as gifts!>
2. Brainpower tip
They say you can use statistics to prove anything you wish.
If you want to see someone get really upset, say this to a statistician. The
problem isn't that statistics are unreliable or bad. The problem is that
statistics frequently get misapplied.|
looking at statistics:
- Don't assume one or two stats provide a
definitive picture. Govt political hacks are constantly giving us stats
from which they draw conclusions that leave room for complete rebuttal
by other stats not yet considered. Such is the case with "SUVs are
overheating the earth," as a huge example of statistical abuse.
- Question their source and their accuracy. The
criminal assistance crowd has been spewing stats regarding the "massive
numbers of children murdered by handguns." Assuming, for the sake of
argument, that a handgun can actually get up and attack a child, where
are all the bodies? Why are these kids not having funerals, why are they
not missing from school, why are the cemeteries not full of them, why
are we not seeing massive numbers of parents talking about the loss of
The reason is the statistics are obviously false. The agenda of this
group includes endangering children by disarming their parents, so they
create false statistics about an absurd action and rely on "if you can
read it, it must be true" to get folks to believe it.
When we consider the source--the people who believe that criminals
should be protected from citizens rather than the other way
around--logic dictates we disregard "facts" provided by people who hold
such a twisted and bassackwards world view.
- Question the relevance. Govt excuse makers like
to claim the economy--which is standing on a $9 trillion federal debt
along with some $63 trillion of unfunded obligations right after
suffering a 50% vaporization of wealth due to Greenspan's gross
mismanagement--is doing great because the Dow 30 Industrial Average is
at some number or another. How does the inflated selling price of 30
stocks in one index have any relevance to the health of the economy?
There is no connection there.
Similarly, they like to talk about "employment" but we have no real
stats on that. So, they use the "unemployment rate" which is merely the
number of new claims for unemployment compensation. That number has just
about zero relation to the actual rates of unemployment,
underemployment, full-time employment, or part-time employment. It
doesn't account for people who are still unemployed months after having
filed for unemployment, nor does it account for about 17,345 other
relevant factors. It's a useless statistic.
- Consider who is using the statistics and why.
This is a bit different from "consider the source." When you hear some
political hack spewing numbers, beware. This is not a person trained in
For example, consider two people on a sales call: the sales guy and the
design engineer. The sales guy says, "You can expect your revenue to
increase by 30% if you buy our widget." When the customer asks the
engineer if that's true, the engineer responds with, "I have no data on
which to make that forecast. Even if I did, we'd have to look at the
various factors affecting your revenue and if you truly understand what
our widget can and cannot do." Which is why sales guys generally don't
like taking engineers on sales calls....
When someone is looking at statistics and applying cause and effect
logic to look at possible correlations and outcomes, that person is
doing something very different from someone who is throwing statistics
around to "prove" an existing opinion. If you can determine which of
these two people you are dealing with, you will know which one is simply
wasting your time by even mentioning any statistics.
Generally, and exceptions are quite rare, statistics
are so misused that they should be disregarded when considering an argument.
A statistician applies rigorous methodology and looks for what the body of
evidence might be logically pointing to (by "logically," I mean via the
application of formal logic). It is often the case that mutually exclusive
views are supported by the same statistics. Perhaps they are supported to
different degrees. This is why we have scatter charts, Pareto analysis, etc.
It is almost never the case that a few statistics conclusively prove
3. Time Tip
4. Finance tip
This Uncle Jay clip helps you understand why you get
the return on investment (or lack thereof) on the one thing that costs
you more than food, clothing, shelter, transportation, and entertainment
I'm not an expert on governance/government. I went
to school for electrical engineering and business administration, so
proposing a superior solution isn't my area of expertise. There are
plenty of people who have earned advanced degrees in political science,
public administration, etc. Those people can come up with solutions that
would actually work.
That said, it IS in my area of expertise to crank
numbers. These are pretty easy to crank.
The fact that members of CONgress aren't required
to show up for "work" at all and their actual "work" schedule is only a
few weeks per year anyhow while they get paid a salary that is 5x that
of the median wage is galling.
The average American works 52 weeks per year, with
nary a day off. White collar workers slave away 60 to 80 hours per week
to pay for the spending and excess regulations imposed upon us by
CONgress, while CONgress "works" a mere 7 (I think that's the number)
weeks per year and those weeks are only 4 days long. Plus much of their
time duing those weeks is spent schmoozing at the Press Club and other
places. Some of them rarely deign to show up--John Kerry, for example
(senate side), was AWOL 80% of the time. I forget the exact figures, but
let's assume the typical misrepresentative puts in a 5 hour day on
average in each 4-day "work" week.
So, do the math:
American grunt serf: 60 hours x 52 weeks = 3,120
hrs / yr
Assume this is a white collar worker making 25%
over the median wage, so $40k / 3,120 = $12.80 /hr
Royal member of CONgress: 20 hours x 7 weeks = 140
$180k / 140 = $1286 /hr.
Do you see something wrong here? Why does a member
of CONgress make 100x as much per hour as a college graduate working
full-time? Factor in the many perks and freebies bestowed on these
CONgress folks, and that ratio jumps even higher. Factor in the
wealth-making opportunities, such as being able to appropriate highway
funds to a parcel of land you bought, and it skyrockets.
We do not need a perfect solution to change this
brazenly criminal behavior. What we need is for people to stop the
stupidity of OKing this criminality at the polls by voting Demopublican.
It might also help to have a Constitutional
government, but because there is zero representation of the American
people in CONgress and the members of CONgress are being paid a fortune
to do nothing of any value whatsoever, there is no hope of that.
5. Security tip
Many charities are trying to raise money
at this time of year. That's why you get flooded with snail mail and
phone calls during the last quarter of each year.|
Scammers now call and give you the same charity pitch
they heard on the phone from a real charity. Then, they ask you for a
donation. And your credit card information.
Rather than give this information out over the
phone, go to that charity's Website. If they accept credit cards and
have a secure browser area for that (the URL will start with https: once
you're in the shopping cart system and you will see a lock symbol in one
corner of your browser), you're fine. Buying online is the safest
possible way to use a credit card.
People are sometimes concerned about doing
- When I enter my information on your forms, is
that information safe?
- I worry about sending information over the
- I feel safer giving information over the phone.
Here are answers to those concerns:
When I enter my information on your forms, is
that information safe? Yes. Any browser that changes from an http to
an https is encrypting your data. That means your credit card number
changes from a usable number to sheer garbage nobody can read without an
I worry about sending information over the
Internet.If you use a credit card at all, your information goes over
the Internet with every transaction. That's because the method of
getting credit card data from the terminal (at a restaurant, grocery store,
hardware store--it doesn't matter) to the data center where the data are
processed is to send those data over the Internet. This has been true for a very,
very long time.
I feel safer giving information over the phone.
If you give your information over the phone, you are adding an unsecured
communication layer on top of a secure one. Your browser is secure. Your
phone is not.
6. Health tip/Fitness tips
- Donkeys kill more people annually than plane
crashes do. So, watch your ass!
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8. Thought for the Day
A problem doesn't go away just because you blame
someone else for it. In fact, doing so is the surest way to prevent that
problem from being solved.
Wishing you the best,
The views expressed in this e-newsletter are generally not shared by criminals, zombies, or brainwashed individuals.
Except where noted, this e-newsletter is entirely the work of Mark Lamendola. Anything presented as fact can be independently verified. Often, sources are given; but where not given, they are readily available to anyone who makes the effort.
Mark provides information from either research or his own areas of established expertise. Sometimes, what appears to be a personal opinion is the only possibility when applying sound logic--reason it out before judging! (That said, some personal opinions do appear on occasion).
The purpose of this publication is to inform and empower its readers (and save you money!).
Personal note from Mark: I value each and every one of you, and I hope that shows in the diligent effort I put into writing this e-newsletter. Thank you for being a faithful reader.
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