Most of us are aware of the problem with scamming of the elderly, and not
just by the IRS. Thanks in no small measure to Barry Soetoro's devastating
attacks on the economy, the scamming is orders of magnitude worse than it
used to be. A simple measure can protect you and/or your loved ones.|
What you do is name a designated "Safety Contact." This is the person a bank, mutual fund, investment brokerage, or other repository of money must contact before permitting any large outbound transactions. It helps protect against identity theft, online "friends", date scammers, senility, evil relatives, or just a really bad case of stupid.
Let's say someone posing as you authorizes a wire transfer of 80% of your account to some other account. If the bank has to call your cousin Fred and Fred doesn't know anything about any such financial move, then they will delay the transaction until the fraud department can conclude its investigation.
The same kind of thing would happen with the elder person you care about, if you get that person to agree to having you be the Safety Contact. So your Uncle Bob dies in a freak car accident. Your dear Aunt Mildred never liked Bob, so right away signs up with online dating sights.
Aunt Mildred meets John Romeo (not in person, just e-mail and by phone). After a few months, John has sweet talked her into thinking he is her friend. So she tells him she has all this money and doesn't know how to invest it. John, being her friend and a VERY successful investor (yeah, right) says he can take care of that for her. Just wire $600,000 (most of her nest egg) to this account and we can make you 10 or 15% every year.
The institution calls you. Is this big move legit? You say that she and you never discussed any such thing, but she has talked a lot about some guy she met online. Presto, you just saved your aunt from becoming destitute. At least from this guy. The IRS, of course, is a different story. And a very sad one.
I recently read an article bemoaning the fact that the USA is the most obese
nation on earth. It shows the obesity rate as 38%. This article was written
by some folks from the "Kool-Aid drinking" crowd that bases its views on "revisionist
All of the data in the article are meaningless. That's because the data are tracking an arbitrarily defined metric (obesity). If you replace "obesity" with a meaningfully defined word and re-run the numbers you will find a starkly different picture.
The definition of obesity depends upon using an error-based formula to calculate BMI, and BMI in no way accounts for the percentage of body fat. Not only that, obesity now means BMI of 30 or more--up from what it was. Look for this to be 35 or even 40 in a few years.
And there's another twist. Recently, a Veteran showed up for his appointment at the VA. His BMI was 31. But guess what? He's a competitive body builder and his body fat was about 5%. Yet, is is officially classified as obese! His case is not an isolated one, either.
Yet even with bodybuilders thrown in, the 38% is a gross understatement of the problem. In several large metro areas (such as the one I live in), even doubling the figure would understate the problem (look around, see what you think the real number is in your area).
To deal in reality, we must use a correct word to address the idea the article pretends to illustrate. I made up my own word to fit the issue.
The word: Toofat.
Before I tell you the definition, I want to tell you the basis for it. That way, the definition will make sense for you right away.
Basis for the definition: Excess body fat is the outward sign of endocrine dysfunction combined with excess caloric consumption. The dysfunction is, by definition, unhealthy. The excess caloric consumption is, by definition, abnormal.
Definition: A male is toofat if you cannot clearly see his abs. A woman is toofat if her belly isn't firm and you can't see definition in her shoulders and arms.
The definition is accurate because when the endocrine system is healthy you can clearly see a man's abs and [what I just said] for the woman.
Using meaningful terminology, the USA is the toofattest nation. But it's not 38% of people with a ridiculously high BMI. It's more like 85% who are simply toofat.
If you are suffering from toofat syndrome, look through back issues of
this very eNL for proven principles of how to have a healthy endocrine
The medical industry is actually trying to help people, by using such blunt instruments as BMI and what follows from it. But as the results show and logic dictates, this effort is misguided and counterproductive.
It's not about your weight, so that's not the place to measure.
It's about the food choices you make each day and I do mean all of those choices. Three tips to get you started:
And it's about your training choices, another area in which gross error is widely recognized as correct. So if you're not to measure your weight to see what's going on, what do you measure? Thinking again what this is about, we can see the answer is you measure whether or not each food choice is a smart food choice.
Don't worry about whether you are toofat. Worry instead about whether you are making every food choice a smart choice. If you do that, the toofat issue will take care of itself.
What the medical industry and the vast majority of trainers, dietitians, "weight loss" commentators and "experts" do is focus on rapidly correcting the outcome rather than correcting the behavior that causes the outcome. If you go on a strict diet to "lose weight" you will not stay on that diet (nobody does). Having been on it, you've trained your body to conserve calories rather than burn them. So the "progress" you made by chasing the wrong goal will not just be completely undone but you will actually go backwards.
Remember, you are playing with a chemistry set (your endocrine system). But it's not an ordinary chemistry set, it's one that has a memory. This memory is why "yo yo dieting" has only one outcome: you get fatter. Congratulations on losing 10 lbs in 3 weeks of starving yourself, you'll put 12 lbs back on before you know it because your body adapted to the starvation conditions.
The body generally adapts to the stresses you put on it. Keep the adaptation principle at the core of your every dietary and training decision. For dietary decisions, remember that each one is cumulative with those that came before. If you make smart decisions every time without fail, then you have made one leg of the body appearance stool rock-solid.
Never use extreme measures to try to "fix" a lapse just to reach some outcome metric; you will only compound the error of the lapse. That is, don't go on a "quick loss" diet because you made a bad decision or a string of them. Simply make good decisions going forward, and allow time for the body to do its thing. If you did pack on extra fat, just live with it for however long your body takes to get rid of it now that you're not making bad decisions.
In the case of extra fat, you can use a slight calorie deficit; we are talking slight not major. An example of this is to reduce your portion size of one meal (of six) by 20%. That will not necessarily mean 20% fewer calories. You eat 20% less of that meal and get a slight reduction in overall caloric intake. Counting calories is a fool's game because it's imprecise at best and a lot of extra work for negligible benefit.
As an example, I consume more food during the cold months. As spring approaches, I want to reduce my body fat. I usually start this by reducing the amount of oats I put into meal number 6. That meal is a veggie protein shake with scoops of raw oats mixed in. I drop from 4 scoops to 2 scoops, and later it has no oats at all. This is a minor (and progressive) reduction in calories, so I get a very slow fat loss. Usually by mid-June, however, I am totally ripped. I don't go into a panic to get that way by March.
Use time as your ally, use discipline as your weapon. Then you will win every battle against excess body fat. Focusing on the fat itself will only detract you. Focus on the decisions you make every day.
And make each decision a correct decision, regardless of how you feel at the moment or what temptations are before you. Or what other people are doing or saying. This may sound difficult to do, but with practice it becomes a strength you can tap with ease. And that's because your mind also adapts. Train your mind with consistent discipline and you will eventually find that discipline comes easily to you.
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 vast majority of federal spending is felonious. That's because it is barred by the 10th Amendment. Just think, if we had a lawful federal government we would not be in this Depression. And instead of unemployment at 52% as it is now, it would be down in the single digits if it existed at all.|
|Do you let trends dictate your personal decisions, or are you true to yourself?|
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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. Please pass this newsletter along to others.