In this issue:
Product Highlight |
Brainpower | Finances | Security | Health/Fitness | Miscellany | Thought for the Day
1. Product Highlight
stuck with a lemon; now is the time to learn how to buy used the right
This course on how to buy a used car shows you how to get a good
deal, and how to not end up with a lemon. What to look for, how to
work with dealers. This course pays for itself several times over
the first time you use what you've learned.
It includes quizzes
and inspection checklists. This self-paced course requires no
textbook or instructor.
Each year, about 15 million Americans buy a used car.
If you are planning to be one of those people any time soon, this
course will help you. In fact, it may save you hundreds of dollars
and a major headache.
This course will help you, whether you are buying from a used car
dealer or a private party.
The areas you need to understand include:
- What models to consider.
- How to find accurate information (safety, repair frequency,
mileage) on the car you want.
- How do deal with dealers.
- What you need to know about mechanical inspections.
- Financing options.
- ...and more, which this course covers.
2. Brainpower tip
Many people today have not just clothes washing machines and dishwashers in
their homes, but also brainwashing machines.|
I guess the theory is if you
wash your brain constantly, you'll never have to worry about anything of
value getting stuck in there. This is presumably why people park in front of
their televisions, a habit I abhor and also opt out of.
3. Finance tip
Read what the economic gurus are saying:
- Consumer spending is down, and that's hurting the economy.
- Savings are too low, and that's hurting the economy.
If we are both spending too little and saving too little, where did
this money go?
As money does not grow on trees, every dime (mis)spent by CONgress is
a dime that is taxed. One way or another. There is no getting around
The cure for the economy doesn't lie in another $27,000 per capita
lump sum tax (aka, "AIG bailout") or some other "gasoline thrown on a
fire" spending measure.
It lies in the opposite direction: slashing the absurdly high levels
of federal spending. The more you spend when you are in a hole, the
deeper the hole gets.
Of course, any third grader can tell you that the more you "take
away" from a number, the less you have. Maybe we need third graders to
run this country, as the current crop of idiots can't do the job and the
incoming crop of idiots is already showing their mathematical ignorance.
Make this basic math known to your misrepresentative in CONgress, and
maybe they will rise to the level of competence we could expect if a
third grader were the office holder.
4. Security tip
More about protecting your identity....|
In our last eNL, we talked about signs your identity
theft measures have been breached or compromised. In this issue, we'll
look at what to do when you believe you are a victim of identity theft.
As reported in the previous issue, there is nothing
you can do if an IRS employee decides to start getting credit cards in
your name or sells your information to a third party for that purpose.
The number of documented cases (and we are talking about cases
documented by the federal government's own investigative agency) of such
employees committing felonious actions and not even being arrested is
mind-boggling. The only truly preventive measure is the passage of the
Fair Tax, which would eliminate this security hole by eliminating the
If other thieves steal your information, then you
have recourse. Your first action is to halt further intrusion. You do
- Contacting one of the credit reporting
agencies (Equifax, Experian, or TransUnion) and explain what
happened. They will usually recommend putting a fraud alert on your
credit reports. Such an alert provides you with all sorts of
protection, including automatic notification of the other two
- Contacting the card issuer, if the "sign of
fraud" is an unauthorized charge on a particular credit card. Cancel
the card, and get a new one issued.
- Contacting your bank, if there are any other
signs of fraud. It's a pain, but you will have to cancel your
checking acct and order new checks. If you have structured things
correctly, you have multiple checking or savings accts structured in
a security arrangement--ask your banker (not a teller) about how to
- Contacting your local police, regardless of
the type of fraud. It may seem like an annoyance and a useless one
at that. But it isn't. There is now a national fraud database, and
the local cops submit reports to it. Very clever criminals who do
everything right get caught this way. So help stop these creeps by
reporting them. You do not have to contact the FBI, as some
"experts" advise. In fact, don't do that--it just sucks down their
time. The FBI uses that same national database.
Before you report any of this stuff, organize your
notes and thoughts so you can present the facts in a logical and
complete manner. Rambling on about things, making guesses, complaining
about the situation, or repeating yourself puts you on the side of the
criminal when it comes to solving this crime because those behaviors
impede the work of investigators.
If you've never reported a crime, call your local
police and tell them you need to report a fraud incident but don't know
what details to provide and need some guidance so you can properly
prepare what the officer needs. They may just tell you, or they may
point to a Website. Let them know you will call back to actually report
the crime, and will do so within 24 hours but first you need to organize
things so you don't waste everyone's time. You will have one very happy
cop on the other end of the line.
Keep a running record of things. I like to do this in Outlook. Note
the basics that every reporter does: who, what, when, and where. Start
every entry like a diary entry, so it begins with the date and time.
Don't use the funky 12-hour clock, because it causes confusion. Also,
use the standard international date format. So, it's something like
12MAR2008; 0900. Called Mytown PD and spoke with Sergeant Smith
(always refer to police by title and last name). Sgt Smith advised me
to.... [whatever the rest of the entry is].
12MAR2008; 1100. Finished doing the things Sgt. Smith of Mytown PD
advised me to do.
12MAR2008; 1500. Sent an e-mail to Sgt. Smith of Mytown PD with
documents pertaining to my case.
13MAR2008; 1600. Met with Officers Jones and Martinez, to officially
file a report. Provided them with photocopies of additional information
I had not submitted to Sgt. Smith.
Suppose that Sgt. Smith contacts you three months
later to follow up on your case. Sgt. Smith has a summary on file, but
not your complete records and the Anytown, USA police want to see those.
Sgt. Smith is reasonably sure that the police in Anytown USA will be
able to use your information to get a warrant issued for the arrest of a
suspect. So you send Sgt. Smith your notes. Because these are in the
standard date and time format, Sgt Smith can forward them on instead of
spending spare minutes over the next week correcting things before doing
5. Health tip/Fitness tips
In 1996, I was reading a magazine article when I
turned the page and saw an advertisement for HMB. It was from a very reputable company (EAS), and the ad was
So, I sent away for HMB. The results were great (there I am, off to the right--at age
As the ad promised, my recovery times were
shorter. I was also able to get more muscle gains from my workouts,
because HMB helps create the environment for that to happen.
What is this stuff? HMB is the branched-chain amino acid (BCAA) metabolite ß-hydroxy
ß-methylbutyrate monohydrate. It's also my favorite supplement, because
it flat out works. If you want faster muscle recovery and more muscle
growth, then you want to be taking HMB.
The FDA won't allow us to come out and say this
stuff actually does what we know it does, because it's a "supplement"
and all supplement promotions can only say something "may" do this or
that. But try it for yourself, and you'll see the FDA isn't doing you
any favors in regard to HMB. Do you know that, before coming to the market for
bodybuilders, HMB was used to help burn victims recover? Yep. It's got a great
HMB does. HMB has been shown to support the body's ability to minimize
protein (i.e., muscle) breakdown and damage to muscle cells, which can
occur after intense resistance exercise. By reducing muscle tissue
breakdown, HMB may tip the scales of protein turnover in favor of new
EAS was the first company to bring HMB to the market. Since then, HMB has been written up in numerous health and fitness
magazines. It's been featured on dozens of TV news programs as an
exciting, breakthrough supplement that might (FDA parlance, again!)
allow people to get better results faster from the time they spend
Usage. The recommended use is to take 4
capsules 3 times per day with meals. Do not exceed recommended
servings--taking more HMB won't provide more benefits (but it will cost you more
money). Consult with a pharmacologist prior to use if you have any
medical conditions. Do not use if pregnant or lactating.
Value vs. cost. HMB ranks near the top of all supplements for benefit. If you
want to improve performance, take HMB.
- Every day the human stomach produces about 2 liters of hydrochloric
acid. Every day, CONgress finds more ways to waste your money and give
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7. Thought for the Day
Just because you hear disinformation repeated doesn't
mean it's true.|
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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