- Product Highlights
- Brainpower tip
- Time tip
- Finance tip
- Security tip
- Health tip/Fitness tip
- Thought for the day
1. Product Highlights
Super translator device|
If you have a digital device (cell phone, PDA, etc.) you have probably
experienced a bit of frustration with the black and white screen. The ES800,
pictured at right, has a color touch screen
for enhanced visibility, adjustable
color schemes, and a physical keyboard, among other added features
particular model is representative of the 800-series.
The flip-open 800-series pocket
translator is just amazing. Click on it and read about it.
We have one week left on the promotional special for this
device. This promotion provides you with the $140 accessory kit, for free.|
2. Brainpower tip
Mark Twain said, "If you don't read the newspaper, you are
uninformed. If you do read the newspaper, you are misinformed."|
has changed in over 100 years. It's not that newspapers continue to get the
story 100% backwards. It's that the "reporters" deliberately go out of their
way to lie about what they are allegedly reporting on.
View this video:
Protect your brain from becoming neutralized: keep
television and newspaper misinformation sources away from it.
3. Time Tip
People tend to follow time structuring techniques at (or
close to) one of two extremes: completely structured or not structured at all.
- Completely structured. This is the person who
can't breathe without consulting a Day Planner, PDA, or other
scheduling device. Such a person is constantly reacting to his or
her schedule, instead of controlling it.
- Not structured at all. This is the person who
doesn't set time aside for important things. Such a person is
constantly reacting to the schedules and demands of others, rather
than deciding what to do and doing it.
If you structure your time completely, you leave
no room for such things as creativity, spontaneity, and other benefits
that come from "free time." You are also under constant stress to
conform to the schedule.
If you fail to structure your time or are not
structured enough, things still get done. But they get done usually in
more of a rush and that means less quality and more stress.
When you go about the task of structuring your
time, leave some cushion in there. Allow for emergencies, yes. But also
allow for time where you have nothing planned. It is in this time that
people tend to do their best work solving problems, exploring new ideas,
tending to relationships, or just being fully human.
If you feel out of control and can't seem to
schedule anything around all of the unexpected demands on your time,
then let those demands fit around your schedule instead.
If you feel out of control because your schedule
leaves you exhausted, try exerting a bit less control via your schedule.
Remember, there is no law saying you have to get
everything done. What really matters is that you are "completely there"
when you are doing something. If your day is analogous to trying to fit
55 gallons into a 50 gallon container, remember that the container can't
change. Your only option is to put less into that container. Structure
your time accordingly.
4. Finance tip
Long-term Care Policies, Part Seven|
reader wrote that this whole discussion doesn't apply to him, because
Medicaid and Medicare would cover any needs he would have. Before we
delve into the latest installment on this topic (which the "mainstream"
media consistently get wrong, just as they do with any other topic), let
me address that. Assuming you live in the USA, this applies to you. If
you live in another country, the details will be different.
These programs are already in very deep doo-doo. And it isn't just
because they have been so grossly mismanaged. If you look at the
demographics (huge boomer population headed for dependency on these
programs) and the economics (enormous federal debt), you have to wonder
where the money will come from to fund these programs even a decade from
now. The typical American already pays nearly 80% of his/her income in
taxes (if you count the hundreds of different taxes altogether). So, yet
another tax increase isn't going to make up the shortfall.
Depending on the government for anything is just asking for trouble.
It's not because govt workers are stupid. In fact, many (if not most) of
them are fairly sharp. The problem is the entire system is trying to
please too many people and so it ends up pleasing almost nobody. From
where I sit, the biggest problem is the typical lawmaker who is
"elected" to "represent" you.
Let me sum it up this way. "Your" Congressman and "your" senators
make somewhere around $180,000 a year. They don't pay SS tax on that. In
addition to this salary, they have huge opportunities to make boatloads
of money (such as appropriating highway funds to land they recently
bought). Just look at how many folks went into "public service" fairly
broke and became multi-millionaires in time for re-election.
These people have no idea what it's like to be in your shoes.
Depending on them to legislate in your interests is foolhardy, at best.
So if you think Congress will "save" Medicaid or Medicare, then you are
really stepping out on a limb.
Your only rational choice is to assume the government that leaves you
with about 20% of the fruits of your labor during your entire working
life isn't going to ensure you have a posh retirement--or even an
I'm not saying everyone should have long term care insurance--I
addressed who should and should not, in earlier installments of this
But if you are buying LTC, pay attention to the Fixed and Adjustable
elements so you don't get entirely ripped off.
These are the same basic things most insurance policies require. Your
age, marital status, health history, and so forth. Look for where the
policymaker provides discounts. Many "experts" advise buying LTC as
early as possible.
I don't personally think that's correct. Don't be pushed into buying
a product you don't need, just because you might save money by buying
early. If you have exceptionally good health habits, you probably won't
need LTC at all. Cross that bridge when you come to it. On the other
hand, if you abuse your body, then buying LTC should be a "top of mind"
project for you.
These are the things that can really trip you up. I think it's here
that LTC sales reps can often be downright predatory (or, in the case of
some, extremely helpful).
Look at these factors:
- Benefit length. For how long would you need nursing home care?
This varies from "unlimited" to something short like a year. For
very healthy people, a stay of a year or even less would be
adequate. You may read that the average stay is about 30 months, but
that's an average--that doesn't mean "typical." Some people stay in
their own homes past age 100, so don't get caught up in age-related
sales pitches. What matters is your likelihood of staying healthy
and relatively independent.
- Elimination period. This is much like a deductible. It's how
many days you'll have to pay for your care before the policy starts
paying. You can waste a lot of money trying to get a shorter
elimination period. Remember, it's long term care.
- Inflation protection. This is critical. The US federal gov't
pays for the excesses of Congress by inflating the supply of money,
which causes each existing dollar to lose value. This is why a World
War II dollar is worth only 3 cents in 2006. Count on annual
inflation of about 5%, regardless of the propaganda put out by the
Federal Reserve or any other party. Inflation is a form of theft,
and it has proved too lucrative to be abandoned now. It's been
institutionalized as a way to separate you from your hard-earned
money without actually being called a tax. Some LTCs use compound
inflation, others don't. Beware the higher cost of paying for
compound inflation protection--it may chew up more of your funds
than the inflation itself.
- Period of maximum cost. Most LTC policies will pay a maximum per
day or maximum per month. Before you buy an LTC policy, actually
visit some nursing homes and decide how much you want to spend. Tip:
Cheap isn't the way to go.
As usual, I want to close this coverage of long-term care insurance by
pointing out that your health is a much more sound investment than any
insurance policy. You might eventually need the insurance, but don't
conduct yourself in such a way as to make that a certainty.
http://www.supplecity.com for free articles on taking care of your
body so it can, in turn, take care of you and your finances in the
5. Security tip
How to install a security system|
- Elect a pro-crime legislature.
- Stay silent while that legislature mandates that only criminals can
- Pay $600 for ADT to install a security system in your home.
- Pay $49.95 for montlhy ADT fees.
- When your home is broken into because the ADT system advertises
there's something to protect, dial 911.
- Wait 45 minutes for the police to show up.
- Spend two hours in the hospital emergency room.
- Spend more time being drilled by
cops so they can fill out an asinine report.
- Spend the next 6 months wrangling with the insurance company.
- Resolve to use common sense and arm yourself so this doesn't happen
again, noting that in 9 cases out of 10 the defending homeowner never
needs to fire a single shot. The mere presence of the weapon is
sufficient for protection.
Implementation of Step 10 is possible only if your brain is not
organically deficient. This is very unlikely if you read the NY Times or
engage in other brainwashing activities along those lines.
You may choose, as many people do, to skip steps 1 -
6. Health tip/Fitness tips
We have a new article at Supplecity:
This article explains why a greens-based diet is so
powerful. If you want to head off degenerative diseases and win the
"battle of the bulge" today, this article is a "must read."
Research indicates that plants grow healthier when
they are stroked. Politicians seem to think the same thing about
Help U.S. Marines:
It has some great offers that are worth following
up on--such asgasoline offers. I especially like this one: Free special offer for people who are tired of
QualityHealth to get your free special offer and get the sleep you
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8. Thought for the Day
Ships are safe in harbor. But that is not what ships are
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