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Mindconnection eNL, 2013-05-05

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In this issue:
Good News | Product Highlight | Brainpower | Finances | Security | Health/Fitness | Factoid | Thought 4 the Day

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1. Good News

Happy Cinco de Mayo.

2. Product Highlight

Now, I'm going to ask you to do something. Business is really slow. By helping us a little, you can help kids a whole lot. A small effort on your part could be life-changing for children at your local school.

Please take a look at this issue's featured product. It's the ReadingPen, and it's one of our most popular products.

We sell most of these to schools. The teachers use them to help kids learn to read better and faster, with greater comprehension and retention. It makes kids smarter.

Think of your school, and how you might get them to take a look at this product. We can send them a pen for them to see for themselves. Talk to the school principal, or to any teacher involved with teaching reading (remedial or not). If the response we get from users is any indication, the people you talk to will end up thanking you.

The ReadingPen comes in two versions:

  • ReadingPen2.
  • ReadingPen TS.

The TS has a touchscreen and also takes notes.

The ReadingPen allows you to scan text and hear it read aloud. With a reading pen, people of any age improve their reading skills. It's especially helpful to people with reading challenges such as dyslexia.

ReadingPen2

Free Shipping

 
  • Save money with our discount pricing.
  • These come with a two-year warranty.
  • See video demos and more information by clicking the image of the ReadingPen 2, above.

3. Brainpower tip

The walking braindead: http://www.youtube.com/watch?v=2diNojgJF9c

Ever walk toward a Dairy Queen, see a 400lb customer, and decide to keep on walking? Just watching this video should inspire you to protect yourself from the various brain-deadeners mentioned in previous editions of this newsletter.

 

4. Finance tip

100 facts about the economy

Big thanks to Paul, the wordslinger and flyer teacher from Texas for this bit.

http://www.fool.com/investing/general/2013/02/05/100-startling-facts-about-the-economy.aspx#.URGG42SQ2gg.email

 

1. As of January 2013, there are 16 people left in the world who were born in the 1800s, according to the Gerontology Research Group. With dividends reinvested, U.S. stocks have increased 28,000-fold during their lifetimes.

2. If you divide their net worths by their age, Carlos Slim and Bill Gates have each accumulated more than $100,000 in net worth for every hour they've been alive.

3. According to Forbes, if a Google (NASDAQ: GOOG ) employee passes away, "their surviving spouse or domestic partner will receive a check for 50% of their salary every year for the next decade."

4. According to the Deutsche Bank Long-Term Asset Return Study, the last time interest rates were near current levels, in the 1950s, Treasury bonds lost 40% of their inflation-adjusted value over the following three decades.

5. According to a study by Harvard professor David Wise and two colleagues, 46.1% of Americans die with less than $10,000 in assets.

6. There are 3.8 million fewer Americans aged 30 to 44 today than there were a decade ago.

7. Related: The population of Americans aged 30 to 44 is about to start increasing for the first time since 2000.

8. Since 1928, the Dow Jones has increased more than 10% in a single day eight times, declined more than 10% in a single day four times, and gone either up or down more than 5% in a single day 136 times.

9. "U.S. oil production grew more in 2012 than in any year in the history of the domestic industry, which began in 1859," writes Tom Fowler of The Wall Street Journal.

10. "Last year, for the first time, spending by Apple (NASDAQ: AAPL ) and Google on patent lawsuits and unusually big-dollar patent purchases exceeded spending on research and development of new products," writes The New York Times.

11. Start with a dollar. Double it every day. In 48 days you'll own every financial asset that exists on the planet -- about $200 trillion.

12. There were fewer state and local education jobs in 2012 than there were in 2005, even though the number of 5- to 18-year-olds has increased by 600,000.

13. Adjusting for inflation, Warren Buffet was a millionaire by age 25.

14. Including dividends, the S&P 500 gained 135% from March 2009 through January 2013, during what people remember as the "Great Recession." It gained the exact same amount from 1996 to 2000, during what people remember as the "greatest bull market in history."

15. "97% of the world's population now lives in countries where the fertility rate is falling," writes author Jonathan Last.

16. The U.K. economy is 3.3% smaller than it was in 2008. The U.S. economy is 2.9% larger (both adjusted for inflation).

17. In 1980, there were 15,099 Americans aged 100 years or more. By 1990, there were 36,486, and by 2012 there were 88,510, according to the Census Bureau.

18. Dell (NASDAQ: DELL ) "has spent more money on share repurchases than it earned throughout its life as a public company," writes Floyd Norris of The New York Times.

19. From 2006 to 2011, Hewlett-Packard (NYSE: HPQ ) spent $51 billion on share repurchases at an average price of $40.80 per share. Shares currently trade at $16.50.

20. The International Labour Organization estimates a record 200 million people will be unemployed around the world in 2013. If you gave them their own country, it would be the fifth-largest in the world.

21. Despite the overall population doubling, more babies were born in the U.S. in 1956 than were born in 2009, 2010, or 2011.

22. According to The Telegraph, "Four in 10 girls born today is expected to live to 100. ... If trends continue, the majority of girls born in 2060 -- some 60 per cent -- will live to see 2160."

23. Apple's cash and investments are now equal to the GDP of Hungary and more than those of Vietnam and Iraq.

24. Netflix surged more than 50% on Jan. 24 from the previous day's low. $1,000 invested in short-term call options would have been worth $2 million in less than 24 hours. (Please don't try this at home.)

25. In December, a start-up called Contrail Systems was purchased for $176 million two days after it launched.

26. U.S. charitable giving was $298 billion in 2011, according to the Giving USA Foundation. That's more than the GDP of all but 33 countries in the world.

27. According to Bloomberg, "The 50 stocks in the S&P 500 with the lowest analyst ratings at the end of 2011 posted an average return of 23 percent [in 2012], outperforming the index by 7 percentage points."

28. "Globally, the production of a given quantity of crop requires 65% less land than it did in 1961," writes author Matt Ridley.

29. Thanks in large part to cellphone cameras, "Ten percent of all of the photographs made in the entire history of photography were made last year," according to Time.

30. Internal emails caught a team of Morgan Stanley employees sarcastically naming a subprime CDO in 2007. "Nuclear Holocaust," "Mike Tyson's Punchout," "Hitman," "Meltdown," and "S***bag" were all considered.

31. Since 2008, Americans have donated $19.1 million to the U.S. Treasury to help pay down the national debt.

32. Fortune magazine published an article titled "10 Stocks To Last the Decade" in August, 2000. By December 2012, the portfolio had lost 74.3% of its value, according to analyst Barry Ritholtz.

33. From 2005 to 2012, total student loans outstanding increased by $539 billion, according to the Federal Reserve.

34. According to a study by Environics Analytics WealthScapes, the average Canadian household is now richer than an average American household for the first time ever.

35. The 100 largest public pension funds alone have $1.2 trillion of unfunded liabilities, according to actuarial firm Milliman.

36. According to a study by four economists from Cornell, Carnegie Mellon, and Vanguard, "the number of investors who check their accounts drops by 8.7% following a market decline compared to a market increase."

37. The average new American home was 1,535 square feet in 1975 and 2,169 square feet in 2010, according to the Census Bureau.

38. Cambridge Associates estimates that 3% of venture capital firms generate 95% of the industry's returns. It adds that there is little change in the composition of those 3% of firms over time.

39. Growth in America's energy output since 2008 has surpassed that of any other country in the world, according to energy analyst Daniel Yergin.

40. Two news headlines published on the same day last September summed up the U.S. economy perfectly: "U.S. Median Income Lowest Since 1995, " and "Ferrari sales surge to record highs."

41. According to ConvergEx Group, "Only 58% of us are even saving for retirement in the first place. Of that group, 60% have less than $25,000 put away. ... A full 30% have less than $1,000."

42. If you add up annual profits of the entire airline industry going back to 1948, you get -$32 billion.

43. Since 1928, the S&P 500 has closed at a new all-time high 1,024 times, or 4.8% of all trading days.

44. According to California Common Sense, "Over the last 30 years, the number of people California incarcerates grew more than eight times faster than the general population."

45. One in seven crimes committed in New York City now involves an Apple product being stolen, according to NYPD records cited by ABC News.

46. In the first quarter of 2012, the number of iPhones Apple sold per day surpassed the number of babies born per day worldwide (402,000 vs. 300,000), according to Mobile First.

47. On Dec. 5, 2012, Apple stock lost $34.9 billion in market cap. According to CNBC's Carl Quintanilla, 417 of the S&P 500's components had a total market cap of less than $35 billion that day.

48. According to economist Glen Weyl, "Of Harvard students graduating in early '90s and pursuing careers in finance, 1/3 were making over $1 million a year by 2005."

49. According to the Center for Economic and Policy Research, 44% of those working for minimum wage in 2010 had attended at least some college, up from 25% in 1979.

50. According to The Economist, "By 2030, 22% of people in the OECD club of rich countries will be 65 or older, nearly double the share in 1990."

51. According to a study by two Yale economists, if state and local governments acted like they had in the last five recessions, they would have added at least 1.4 million jobs since 2007. Instead, they cut more than 700,000.

52. The number of workers aged 55 and up is about to surpass the number of workers aged 24 to 34 for the first time ever.

53. In 2011, Asia had more millionaires than North America for the first time ever, according to RBC Wealth Management.

54. According to Enerdata, the U.S. consumed less total energy in 2011 than it did in 2000.

55. The IRS estimates that illegal tax-evasion reduced government tax revenue by $450 billion in 2006 (the most recent year calculated). That's roughly equal to what the government spends annually on Medicare.

56. According to The Wall Street Journal, "The average monthly mortgage payment on a median-price home in October, assuming a 10% down payment, fell to $720 at prevailing rates, down from nearly $1,270 at the end of 2005."

57. According to a study by Edward Wolff published in the Bureau of Economic Research, the inflation-adjusted median net worth of American families in 2010 hit the lowest level since 1969.

58. "Household debt is now 163.4% of disposable income in Canada, close to the U.S. level at the height of the subprime crisis," writes The Wall Street Journal.

59. In 2012, the Greek stock market (ATHEX Index) outperformed the Chinese stock market (Shanghai Composite) by 48 percentage points.

60. The International Energy Agency predicts that the U.S. will become the world's largest oil-producer by 2020, overtaking Saudi Arabia.

61. According to CNBC wealth reporter Robert Frank, the population of millionaires in America is now at or above its 2007 high.

62. According to BetterInvesting, the number of investment clubs has declined by 90% since 1998 from 400,000 to 39,000.

63. Public filings show that Federal Reserve Chairman Ben Bernanke has owned stock in just one individual company over the last decade: Altria Group (which he sold in 2004).

64. Renaissance Technologies, a hedge fund run by James Simons, has allegedly produced average returns of 80% a year since 1988 (before fees), according to Bloomberg. That would turn $1,000 into $2.4 billion in 25 years.

65. The S&P 500 has returned about 9% a year over the long run, but few years see returns even close to that. Since 1871, the index has risen or fallen more than 20% in one out of every three years. Less than one out of every five years sees a gain of between 1% and 9%.

66. Since U.S. markets bottomed in March 2009, more than $8 trillion of lost wealth has been recouped.

67. During the Federal Reserve's June 2007 policy meeting, the word "recession" was used the times; the word "strong" was used 61 times. The economy entered recession six months later.

68. Last year, Franklin Templeton asked 1,000 investors whether the S&P 500 went up or down in 2009 and 2010. Sixty-six percent thought it went down in 2009, while 48% said it declined in 2010. In reality, the index gained 26.5% in 2009 and 15.1% in 2010.

69. The share of an average U.S. household budget going toward gas in 2012 was nearly 4%, tying for the highest level in almost three decades, according to Energy Information Administration figures cited by The Guardian.

70. "Of the Americans who earn over $150,000, 82 percent had a bachelor's degree. Just 6.5 percent had no more than a high school diploma," writes Catherine Rampell of The New York Times.

71. According to a survey by Paola Sapienza and Luigi Zingales, effectively all economists agreed that stock prices are hard to predict. Only 59% of average Americans felt the same way.

72. According to the IMF, if Japan's female labor-participation rate rose to levels of Northern Europe, its per-capita GDP could be permanently increased by 8%.

73. Credit card debt as a percentage of GDP is now at the lowest level in two decades.

74. The Energy Information Administration predicts that U.S. oil imports will fall to 6 million barrels a day next year -- their lowest level in 25 years.

75. According to economist Stephen Bronars, the new 39.6% federal tax bracket will only affect 0.7% of taxpayers but will hit 9.5% of aggregate personal income, as top earners earn a disproportionate share of the national income.

76. From 2001 to 2007, new-home construction outpaced household formation by more than 3 million homes.

77. According to Gallup, 51.3% of Americans consider themselves "thriving," 45.1% say they are "struggling," and 3.6% say they're "suffering."

78. An average couple will pay $155,000 in in 401(k) fees over their careers, according to Demos, reducing an average account balance from $510,000 to $355,000.

79. Related: 84% of actively managed U.S. stock funds underperformed the S&P 500 in 2011.

80. According to The Wall Street Journal, 49.1% of Americans live in a household "where at least one member received some type of government benefit in the first quarter of 2011."

81. According to New York Times writer Binyamin Appelbaum: "Average months between US recessions since 1854: 42. Months since last recession: 42."

82. With bond yields near all-time lows, Richard Barley of The Wall Street Journal writes, "For a one-percentage point rise in yields, 10-year U.S. Treasury holders now face a drop in price of nearly nine percentage points."

83. "By 2050, workers' median age in China and Japan will be about 50, a decade higher than in America," writes Robert Samuelson.

84. Of the 3.1 million students who graduated high school in 2010, 78.2% received their diplomas on time, according to the National Center for Education Statistics. That was the highest percentage since 1974.

85. The U.S. birthrate declined 8% from 2007 to 2010, according to Pew. At 63.2 per 1,000 women of childbearing age, the 2011 U.S. birthrate was the lowest since records began in 1920.

86. According to Wired magazine, "In a 2006 survey, 30 percent of people without a high school degree said that playing the lottery was a wealth-building strategy. ... On average, households that make less than $12,400 a year spend 5 percent of their income on lotteries."

87. According to David Wessel of The Wall Street Journal, Americans "spend about half of their food budgets at restaurants now, compared to a third in the 1970s."

88. We are used to hearing how much faster the earnings of the top 1% grow compared with everyone else's, but we often forget that it used to be the other way around. From 1943 to 1980, the annual incomes of the bottom 90% of Americans doubled in real terms, while the average income of the top 1% grew just 23%, according to Robert Frank.

89. According to Vanguard founder John Bogle, the average equity mutual fund gained 173% from 1997 to 2011, but the average equity mutual fund investor earned only 110%, thanks to the tendency to buy high and sell low.

90. According to David Leonhardt, median family incomes have fallen substantially over a decade for the first time since the Great Depression. "By [2011], family income was 8 percent lower than it had been 11 years earlier, at its peak in 2000."

91. The rise in domestic energy-production has already shaved $175 billion off our annual import bill compared with five years ago, according to energy analyst Daniel Yergin.

92. Federal nondefense discretionary spending -- all spending minus defense and entitlements -- is on track to hit its lowest level as a share of GDP in more than 50 years, according to data from the Congressional Budget Office.

93. Bonds have become so richly valued that UBS is reportedly reclassifying brokerage clients who are overweight bonds as "aggressive" investors -- most likely to avoid future lawsuits if and when bonds lose value.

94. According to The Economist, "Over the past ten years, hedge-fund managers have underperformed not just the stock market, but inflation as well."

95. According to Bloomberg, "Americans have missed out on almost $200 billion of stock gains as they drained money from the market in the past four years, haunted by the financial crisis.

96. In the 1960s, wages and salary income made up more than 50% of GDP. By 2011, it was less than 44%, as dividends, interest, and capital gains made up a growing share of the nation's income.

97. S&P 500 companies held $900 billion in cash at the end of June, according to Thomson Reuters. That was up 40% since 2008.

98. "More than 50 million Americans couldn't afford to buy food at some point in 2011," writes CNNMoney, citing U.S. Department of Agriculture data. In June 2012, 46.7 million Americans received food stamps.

99. Japan's working-age population is on track to decline from 62.6% of its population in 2012 to just 49.1% by 2050.

100. The unemployment rate for those with a bachelor's degree is just 3.7% -- less than half the nationwide average.

5. Security tip

Watch and learn. There's a great lesson, here: http://www.youtube.com/embed/F7pYHN9iC9I?rel=0
 

6. Health tip/Fitness tips

Most people are aware that honeybees are dying off. Unfortunately, most people don't know why this is the case. I'll tell you why, and you can verify this with a little bit of effort.

The same lawless corporation that inundated the planet with PCBs (even penguins have PCBs in their blood, that's how bad the inundation is) has also contaminated much of the food supply with a powerful neurotoxin called RoundUp.

This poison is used to grow grain that's made "RoundUp Ready" by dint of shooting an animal protein into the seed. Experts in Europe disagree with the company's claims that the toxin doesn't get into the food. It is actually quite persistent. And it's in the high fructose corn syrup that "high efficiency" beekeepers place in the hives after just about cleaning them of every drop of honey. That, dear readers, is why the bees are dying off. The bees become so stupid, they can't find their way back home. They starve, and so does their community.

 

Age 51.
Click for more detail.

Obviously, we all need to boycott honey that isn't collected by traditional beekeepers. But it isn't just the bees being made stupid. Have you noticed that stupidity, incivility, and other signs of severe brain damage now seem normal? Look at what "normal" people put into their bodies. They drink HFC-contaminated sodas, eat HFC-contaminated wheat products (and soy and corn), and consume HFC in nearly everything they eat. You'll even find HFC in KFC though KFC is toxic even without it.

We also need to boycott RoundUp. Putting this on your lawn is extremely irresponsible; it just gets into the drinking water.

To protect your brain, filter your water and eliminate all sources of HFC from your diet. Brain health isn't something you can damage and then easily repair. Usually, the damage is permanent. If you've been consuming HFC and now are thinking it's too late to do anything about it now, consider this. Whatever IQ points you've lost to this poisoning can be the last IQ points you lose. You can stop the losses, and you can stop them immediately.

It's also worth noting that the IQ loss, while deadly to bees, is merely disabling to humans. We have some excess capacity to lose. And, yes, plenty of people have taken their reserves down almost to the nubbies.

The brain damage isn't the only problem, however. You see, HFC is toxic not just because it contains RoundUp but also because it's a powerful endocrine modifier. It really jacks with your system, causing all kinds of problems with your endocrine system. One effect is obesity, and the vast consumption of HFC in the typical American diet is the major reason for the alarmingly high rates of obesity. It's the consumption of HFC by Americans that makes it easy for anyone from any other country to spot the Americans in the crowd. It's shameful that we, as a people, are noted by our bloated shapes--despite coming from a hugely diverse gene pool.

As a final note, the Patient Predation and Unaffordable Care Act is pushing medical costs ever higher. By eliminating HFC from your diet, you practice actual health care. You will vastly lower your risk for a few hundred different illnesses, look better, be smarter, and feel better. Set the example, and gently encourage other people to follow. Thanks to the PP UCA, the cost of poor choices has gone up dramatically and is still going up. It's time we get everyone on board with making smart choices. Whether to eliminate HFC is, er, a no brainer.

 

At www.supplecity.com, you'll find plenty of informative, authoritative articles on maintaining a lean, strong physique. It has nothing to do with long workouts or impossible to maintain diets. In fact:

  • The best workouts are short and intense.
  • A good diet contains far more flavors and satisfaction than the typical American diet.

7. Factoid

Half of all Americans live within 50 miles of their birthplace. Half of all members of CONgress are bandits, and most of the other half are thieves.

8. Thought for the Day

Why is it called after dark, when it's after light?

Please forward this eNL to others.

Authorship

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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