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American Survival Newsletter:
Combining the World of Finance, Health & Politics
10/21/12
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American Gold
A weekly newsletter brought to you by
Discount Gold & Silver 800-375-4188
Edited by Alfred Adask
Friday, October 19th, A.D. 2012 |
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| MARKETS |
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Between Friday, October 12th and Friday, October 19th, the bid prices for:
| Gold fell 1.9 % from $1,754.30 to $1,720.50 |
| Silver fell 4.2 % from $33.48 to $32.07 |
| Platinum fell 2.1 % from $1,650 to $1,615 |
| Palladium fell 1.1 % from $632 to $625 |
| DJIA rose 0.1 % from 13,328.85 to 13,343.51 |
| NASDAQ fell 1.2 % from 3,044.11 to 3,005.62 |
| NYSE rose 1.2 % from 8,227.08 to 8,324.14 |
| US Dollar Index fell 0.0 % from 79.66 to 79.61 |
| Crude Oil fell 1.6 % from $91.65 to $90.13 |
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"Only buy something that you'd be perfectly happy to hold
if the market shut down for 10 years."—Warren Buffett
“What investment would you dare to hold
for 10 years—other than gold?”—Alfred Adask
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Reverse Mortgages Exploit Elders
by Alfred Adask
The New York Times (“A Risky Lifeline for the Elderly Is Costing Some of Their Homes”) reports:
• “Used correctly, reverse mortgages can be a valuable tool for seniors to stay in their homes and gain access to money needed for retirement. Seniors who have built up equity in their homes can borrow against a percentage of that and take out a lump sum or a line of credit. The loan doesn’t have to be repaid until the homeowner moves out or dies, but borrowers still have to pay property taxes, maintenance and insurance.”
• However, “Joan Serioux-Forde, 72, thought that she couldn’t feel more devastated after her husband, Christopher, died last year. Then, roughly a month after the funeral, she received a letter from Generation Mortgage, a reverse mortgage lender, informing her that unless she paid $293,000, she would lose her home in San Bernardino, Calif. Ms. Forde said she was never informed that if she wasn’t on the reverse mortgage deed, she would have virtually no right to stay in her home unless she bought it outright. “It’s a nightmare,” she said. Generation Mortgage declined to comment.
• “The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.
“Reverse mortgages, which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die, have long been fraught with problems. But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former subprime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
“Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them, not to mention the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises, without clearly explaining the risks. Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.”
Why wouldn’t a reverse mortgage lender include the wife’s name on the deed? Mere mistake? Oversight? Ignorance?
No. The wife’s name is intentionally omitted.
Why? Because lenders know the average life expectancy is 76 for males and 81 for females. Thus, the average wife outlives her husband by five years.
If only the husband’s name is on the reverse mortgage deed, the lenders can seize the home as soon as the husband dies—five years sooner (on average) than they could if the wife’s name was also on the deed. If the wife’s name were included, the lenders might have to wait an additional five yearsor more after the husband died and until the wife also died, before they could seize the home.
More, during those additional five (or more) years, the lenders might be compelled to pay additional monthly payments to the widow as part of the reverse mortgage agreement. Additional payments to surviving widows constitute additional costs and reduced profits.
In some instances, a reverse mortgage agreement results in a single, lump sum payment to the borrowers. In such cases, there are no significant additional costs to the lenders if the wife lives an additional five years. However, the wife’s longevity can still prevent the lenders from taking possession of the home, selling it, and finally recouping their profits for an additional five (or more) years.
Would you rather garner a $100,000 profit now or five years from now? The answer is obvious for you, me and reverse mortgage lenders.
Thus, for reverse mortgage lenders, the most profitable deal is to keep the wife’s name off the deed so as to shorten the time until they can seize the house, minimize payouts they pay to “buy” the house, and sell the house to generate their profit.
Omitting the wife’s name from the reverse mortgage deed is not an oversight, it’s an intentional act of shrewd but unethical businesses whose object is to exploit rather than serve the elderly.
• “Now, as the vast baby boomer generation heads for retirement and more seniors grapple with dwindling savings, the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders.”
There’s the fundamental problem. Retirees are broke, their So-So Security and pension plans have been (and continue to be) depreciated by inflation. They want and/or need more money. The economy has rendered them desperate. Their desperation makes them vulnerable to false promises provided by unethical reverse mortgage salesmen.
Result? Elderly husbands die and wives are left homeless.
• “Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed [“sub-prime”] loans—often carrying hidden risks—that they could not afford.
“There are many of the same red flags, including explosive growth and the fact that these loans are often peddled aggressively without regard to suitability,” said Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.”
The claim that some reverse mortgage loans are “peddled aggressively without regard to suitability” is crapola. This crapola is interesting, however, since it’s being peddled by Minnesota’s Attorney General—an official obligated to investigate reverse mortgage lenders for unethical or even criminal practices. Judging from her comment, I’d say that the AG is trying to “cover” for the reverse mortgage lenders by refusing to call a spade a spade.
Here’s why: A loan is “unsuitable” for a particular borrower if there are additional costs (fees, property taxes and maintenance that will be imposed on the home after the reverse mortgage is negotiated) that any competent financial planner could see would be beyond the borrower’s ability to pay. Reverse mortgage lenders know very well that these additional costs exist, but do not advise the borrower of these “hidden risks”.
When these unexpected costs accrue, borrowers may be forced to sell or abandon their home long before they die, and reverse mortgage lenders will be able to quickly take possession of the home and sell it to generate their profits.
Thus, unethical reverse mortgage lenderswant to make “unsuitable loans” because the sooner the borrowers leave the home (for any reason, including unpayable taxes or death), the sooner—and cheaper—the lenders can take possession of the home.
The lenders’ financial incentive in seeing homeowners leave their homes is not surprising.
What is surprising is the Minnesota Attorney General’s reluctance to describe the harsh reality of some reverse mortgage lenders’ unethical behavior. Judging from the AG’s “peddled aggressively without regard to suitability” quote, the AG does not want to go “too hard” on the lenders. I guarantee that the reverse mortgage lenders have given plenty of “regard” to whether a loan is “unsuitable” for a particular borrower. They know when such loans are “unsuitable,” and they promote such loans anyway as a means of enhancing their future profits. I therefore suspect that the Minnesota AG may be more determined to protect the illusion that our financial institutions are honorable than she is to prosecute the unethical or warn the unsuspecting senior citizens.
• “Reverse mortgage lenders and brokers note that the loans are highly regulated and require potential borrowers to speak to a certified housing counselor about the potential pitfalls before taking out the loans. Mr. Bell adds that his trade group strictly monitors the advertising of its roughly 400 members to ensure that it is accurate.”
Ooooo! They “monitor” the advertising! Gee, that’s Great!
But do they monitor the “aggressive sales pitches” when seniors respond to the advertising? Nope.
Besides, what difference does advertising make to people who are desperate for more cash? People going broke don’t care if the advertising says “DON’T DO IT! THIS IS CRAZY!” If there’s “free money” to be had, the financially-stressed will be there.
More, insofar as reverse mortgages are “highly regulated” and even require the input of a gen-u-wine “certified housing counselor,” that’s good evidence that the government is complicit in the exploitation of senior citizens.
After all, how can anyone who studies reverse mortgages fail to see the lenders’ considerable financial incentive in causing the borrowers to vacate the house as soon as possible?
Given the lenders’ financial incentive to get the borrowers out of the house ASAP, can anyone claim to be surprised when a wife’s signature is omitted from a reverse mortgage deed? Should we be shocked (Shocked, I tell you! Shocked!) to discover that lenders “aggressively peddle unsuitable loans” to the unwary?
Of course, the lenders try to omit the wives’ signatures form the reverse mortgage deeds.
Of course, the lenders and even the “certified housing counselors” fail to inform the unwary elderly that they may be entering into a loan that’s “unsuitable” because they won’t possibly be able to keep up with the “hidden costs”.
And, of course, none of this deceit could take place in an arena that was “highly regulated” by government, unless the government was complicit in that deceit.
Government allows the reverse mortgage lenders to exploit and impoverish the elderly—just as government allows inflation to exploit and impoverish the elderly.
• The reverse mortgage problems are evidence that America’s pension system is already in a state of collapse. Those who’ve trusted their financial futures to others (including government) were often foolish and are now in increasing danger. More, when the victims are elderly, they can’t easily work their way out of this danger. If they suffer a significant loss, they probably won’t be able to find a job to help them recover or even survive.
Sensing their dangerous predicament, senior citizens will sometimes resort to reverse mortgages. Some of those reverse mortgages will be ethical; others will not. Some seniors who enter into reverse mortgages in order to guarantee that they will have a home and some financial support until the day they are both finally dead, may find themselves suddenly broke and even homeless.
• But, in our current economic recession/depression, it’s not just the elderly who are financially stressed. Almost all of us—including reverse mortgage salesmen—are anxious and financially stressed. That means people in general are increasingly anxious to make a buck any way they can. As a result, our world is increasingly degenerating into a “dog-eat-dog” environment wherein the financially-stressed unwary will be routinely exploited by the financially-stressed unethical.
The lessons in all of this are that, if you’re going to engage in any kind of significant financial transaction: 1) you’d better do your homework; 2) you’d better not believe every sales pitch you hear—no matter how much you want to believe it; and, 3) you’d better make it your business to identify those individuals, investment vehicles, and companies that you can trust to treat you fairly.
For the best in pricing and service for gold and silver coins, call Melody at 1-800-375-4188. Be sure to listen to DGSTC live on Short-wave 7.490Mhz M-F 4:00PM ET, and 9.880 MHz. Online listen to archives at dgscoins.com and American Voice Radio.
Call 1-800-375-4188 or visit the Web site at discountgoldandsilvertrading.net
or email us at: discountgoldandsilver@yahoo.com
Discount Gold & Silver Trading Co. provides all forms of precious metals including gold, silver, platinum and palladium whether you are buying or selling. Our inventory includes but not limited to the American Gold, Silver, Platinum Eagle and numismatic products including rare, investment and circulated coins. Silver dollars, silver bars, rounds are on hand for the silver investor. Foreign gold is also available. Call for information regarding your precious metal gold and silver IRA.
1-800-375-4188
Self Sufficiency
Survivalists Sheila & Dan Gendron
The One Most Important Question a Survivalist Can Ask Themselves
by SurvivingSurvivalism.com
Here it is – Why Are You Trying to Survive? With the news being what it is, the world has now come to the point at which a huge shake-up is undeniable – to anyone who has 2 cents worth of brain matter between their ears. So hoards are joining the stampede to become " survivalists". The movement has even spurred the development of the "survival industry", with commercials now being played on mainstream media stations for freeze-dried storage foods and solar generators.
There is an old saying, "If you don't know where you're going, any road will do." So if you are going to go the path of being a "survivalist", first you'll want to know where you are going – and why.
Plenty of alternative news outlets are trumpeting that "martial law" is soon to be implemented – and the facts they present in support can only lead to that conclusion. So everyone wants to survive martial law. But what is on the other side of the marital law? The reality is that martial law can't go on forever, but what will society/government look like after it has been dismantled?
If 9/11 caused so much restriction – by law or by fiat – of travel, of personal dignity rights, of speech, of redress of grievances, what will the next event (planned by man or by the hand of The Almighty) bring? Will you take the chip to be given your ration of food? If you allow your children to stand naked to be viewed by pedophiles in order to shop in a mall or fly on a plane, will you say no to anything else demanded of you?
Another major story all over the internet – alternative AND mainstream outlets– is that virtually the entire world's economy is about to collapse – again, a foregone conclusion. Not a matter of if, but when. Eventually, the creditors demand their due. So everyone wants to survive an economic collapse and the chaos that will bring. But what is on the other side of the collapse?
Putting aside all the sensationalism, putting aside all the hype and all the wishes, the most likely scenario is that a new monetary system, digital in format, no cash, will be instituted and run by the same bankers who run the dollar systems now – if not the same people, people with the same heart. They will tout the new system as being just like before (hush.... except that everyone's every financial move will be tracked, incoming and outgoing).
It will usher in the removal of personal privacy and the instilling of fear. Fear that stops you from doing something, not because it's not right, but because someone says you shouldn't do it – usually because it does not benefit them. Is that alright with you? Will you join that society? Is that why you want to survive – to end up just as entrapped, even more so, than you are now?
Far too many people die soon after reaching retirement. The reason for this is that they have spent their entire careers with the only goal being that retirement. They did not have a vision of life after retirement, and so they had none. An unfortunate fact.
We have met many people who believe that they truly want to be survivalists. They have many reasons for wanting to survive, based on what they understand of the news. But over time they show that they still want to have one foot on third base, and so will never make it to home plate. They really don't want their comfy lives upset, they don't want to have to give up their 62" plasma screen TV, they don't want to eat foods they actually have to cook, they want to be able to whip out their credit card at Trader Joe's forever...but they want to be out of the way when TSHTF, too. Their vision is to "hole-up" in a sanctuary until the noise stops, and then go back to the same rat race they were in before – the same rat race that got us all in the predicament in which we now find ourselves as a society.
So why bother? If your ultimate goal is to save your neck so that you can go back to the same old same old, why would you put yourself through this? It's like quitting smoking and starting again, knowing that you'll just have to go through the withdrawal all over again. To be more exact, an ancient book of wisdom talked of " a dog returning to its own vomit." Why put yourself through that? Why dislocate yourself and your family, mentally as well as physically, if you are ultimately happy right where you are?
If you are contented to fight your way through the morning commute so that you can be given a paycheck for performing a job you hate just so you can still afford your $8 Latte Enema at the local coffee chain and you can use that money to buy your kids every throw-away toy the commercials tell them they want, STAY THERE! You won't be comfortable outside of those bonds.
The right answer to the question proposed in the title is: I want to survive because there is a better way to live, regardless of what the world "out there"does or does not do. I want to be paid by nature for my own labor and that of my family (by blood or otherwise) in being good stewards of the Earth. I want to help others who are also willing to work toward a common goal, each lightening the load of the other. I want to look out my window and be invigorated by the Earth's natural beauty before my eyes, by the stars in the sky. I want to be judged by my acts of kindness, not by how much money I can obtain. I want to give something of real value to my children and to theirs.
It's not impossible. It's not a foolish wish. It is being lived now by those who have stopped complying with that which is wrong. It is being lived now by those who know the depth of their own power and use it, not to impose evil acts upon another but to lead a good and natural life for themselves. It is being lived now by those who choose to survive – not the chaos, but the beating down of the human spirit so that they may be a beacon to renew that spirit in light. It ain't easy – but it sure is worth it.
Dan and Sheila are the authors of Surviving Survivalism – How to Avoid Survivalism Culture Shock and hosts of the free podcast, "Still Surviving with Dan and Sheila", both available at http://survivingsurvivalism.com For information about their survival community, or for other questions, they can be reached at surviving@lavabit.com
Health
HOW TO DROP CHOLESTEROL UNDER 200
By Herbalist Wendy Wilson
If you are among the 107 million in the US with cholesterol over 200 you will want to know how YOU can naturally drop your cholesterol level to under 200 within a year. Just think of it, no more cholesterol drugs, no more jabs to the arm to analyze your blood fats, no more time lost with expensive office visits, no more risk to your liver with toxic drugs and you feel better with less anxiety about heart disease. If the Asians can have cholesterol levels below 100 because of their diet, so can you.
THE BIG PICTURE
Because of unhealthy lifestyle choices we live with the threat of cardiovascular collapse, liver failure and other health problems. There are approximately over 98 million Americans with cholesterol levels of 200. Over a third of these individuals (38 million) have levels of 240 or higher placing them in the high risk category. More women over 45-years-of-age have higher cholesterol levels than men. We are making the manufacturers of cholesterol drugs wealthy with 30 million prescriptions written each year at the tune of $20 billion. The number one drug sold ($10 billion) is a statin drug – Lipitor. Why? The other number one statin drug, Baycol, was taken off the market due to toxic and deadly effects. Doctors know that lifestyle changes (with no drugs) will lower cholesterol by at least 40%. So, that would mean if your cholesterol level was 240 and you made some healthy changes to your diet you could lower your cholesterol to 144 or lower. The Asians have average blood cholesterol levels of less than 95 mainly due to their diet, which contains low animal fat.
CHOLESTEROL MUG SHOT
What is cholesterol really? Our villain has a yellow, waxy makeup often described as fat. It likes to hang around your blood and as it multiplies it deposits itself on the main arteries flowing through your body. When you get enough cholesterol loitering about it gangs up to narrow the passages and can even create a road block shortening your route to heart failure. Of course we are describing the evil twin known as LDL cholesterol. The trick is to root out the LDL properties while keeping the good, HDL cholesterol.
SOME STUDIES
Dr. Daniel Steinberg at the University Of California School Of Medicine says there is a way to slow atherosclerosis by 70% and even reverse it. Medicine likes to do this by pumping up the HDL cholesterol, which is supposed to help reduce the LDL cholesterol. It is extremely important to have a healthy liver if you intend to accomplish this. In order to destroy the bad cholesterol the liver cannot be sick in order to remove cholesterol toxins. Dr. Steinberg recommends eating foods with antioxidants to prevent LDL cholesterol.
BEAN POWER
Some of the foods which can help you accomplish your goal are dried beans (known as nature's cheapest fix to reducing cholesterol). According to Dr. James Anderson of the University Of Kentucky College Of Medicine , by eating a cup of cooked dried beans each day it helps suppress LDL cholesterol by 20%. How fast will this happen? About 3 to 4 weeks. What kind of beans? All kinds seem to work; navy, black, pinto, kidney, lentils and chickpeas. Eating beans will also boost up the HDL cholesterol to help protect you from congested arteries.
WHAT ABOUT OATS?
I think everyone has seen the box of Cheerios® and other breakfast cereals stating that oats help lower cholesterol. Recently the FDA informed manufacturers promoting oats as a heart aid to cease and desist. There have been over 25 studies on the healing power of oats. According to Dr. Michael Davidson of cardiology at Rush-Presbyterian St. Luke Medical Center in Chicago it takes about 1 cup of dried oats to produce a 16% reduction in LDL cholesterol. How does this work? Dr. Davidson reports that it is the beta-glucans (a fiber) that blocks bad cholesterol production and helps remove bad cholesterol that is pre-existing in the blood. Of course you don't want to eat beans and oats along with your fast food and expect to improve your cholesterol levels. A healthy lifestyle is required. Also, you will want to get a quality oat and prepare it correctly or your results will vary. I like to use organic, rolled oats. I add them to bran muffins or eat it as a cereal. When I prepare oats as a cereal I boil a pot of water, I add 1 cup of oats, cover and remove from heat. I let the oats soak in the boiled water for 3 to 4 minutes. Anytime over 5 minutes will make the oats sticky and gluey, which is not good for the colon and you will get less energy from the oat. Therefore, you just want to tenderize the oats not cook them into a gluey, sticky mess that will reduce the nutrition and hinder digestion.
THE PERFECT HERB
Is there an herb to help fight bad cholesterol? You betcha! Garlic is awesome and there have been over 20 studies done on the power of garlic to help fight high cholesterol. Dr. Robert Lin, chairman of International Health, reports that 3 cloves of garlic per day helps to reduce cholesterol by 10 to 15%. A controlled study at LTM Medical College in Bombay showed that 50 subjects reduced their cholesterol by 15% and improved their blood clot factor by eating 3 cloves of garlic daily. Bastyr College in Seattle used garlic oil and produced a 7% reduction in cholesterol. What about onion? Onion is cousin to garlic and Dr. Victor Gurewich of Harvard Medical School reports that ½ cup of raw onion increases good HDL cholesterol by 30%. The study showed that raw onions had more benefit than cooked. So, if you pair the raw garlic and onion together in your lifestyle you will block the production of bad cholesterol and increase the good cholesterol.
ANOTHER ALLY
It is always good to have allies. You will want to call on your good ally omega-3 fatty acid. Fatty fish such as your salmon and mackerel contain the fatty acids you will need to fight bad cholesterol and improve good cholesterol by 10%. A study done by Dr. Gary Nelson of the US Dept. of Agriculture Western Human Nutrition Research Center in CA found that by eating as much as a pound of salmon daily had a dramatic effect in cholesterol levels in just 20 days. Of course the average person isn't going to eat a pound of salmon a day but eating some salmon, or tuna or some herring or sardines several times a week will provide the omega-3 fatty acids to boost the good HDL cholesterol to protect your health. If fish doesn't appeal to you stock up on olive oil to cut the level of bad cholesterol and boost good cholesterol. Many studies have discovered that olive oil is superior to corn, soybean, safflower and sunflower oils. Dr. Steinberg found that olive oil defeats toxic oxidation of the LDL cholesterol and researchers from Israel agreed. Olive oil will also reduce the negative effects of fatty foods protecting your arteries from becoming clogged.
PROTECT YOURSELF
Protect yourself with a healthy lifestyle and make sure you cleanse the organs of toxins twice a year. A liver cleanse will be necessary if cholesterol is a problem and it is a good preventative measure for all kinds of disease. Before you cleanse the liver it is important to have cleansed the bowel opening up the elimination channel so that the liver (and gallbladder) can purge toxins and regenerate. Use Milk Thistle herb to help the liver regenerate quickly and Barberry bark to cleanse the gallbladder. You will also need fresh citrus and virgin olive oil to do a proper liver and gallbladder flush. If the flush is too intense, you can do a step-down cleanse. Contact the folks at Apothecary Herbs with regard to your cleanses 866-229-3663. To help strengthen the cardiovascular system use herbs designed to balance blood pressure, help purge the blood of existing cholesterol and plaque and strengthen the heart muscle. Look for Heart/Cholesterol/BP herb liquid formula with your garlic and circultory herbs and Celtic Sea salt (will not promote high blood pressure) at Apothecary Herbs. For more information on organ cleansing and the tools you will need call the experts in organ cleansing, call Apothecary Herbs 866-229-3663, International 704-885-0277 online http://www.thepowerherbs.com. Don't forget to check out the new Cold & Flu section. Next week we will offer additional solutions to cholesterol problems.
COMING UP ON HERB TALK LIVE
Herbalist Wendy Wilson has rescheduled her talk with John Monroe from www.drbanker.com on natural solutions to vision problems on Saturday 10/20/12 7 am EST on GCN. Wendy will talk with Dr. Rebecca Carley on Sat. 10/13/12 7 am EST on GCN and Tuesday 10/16/12 at 7 pm on AVR. Go to http://www.thepowerherbs.com Herb Talk Live & Radio Archive area for network link access and past shows to download and share. For Android users you can download a FREE app for Herb Talk Live on GCN. See the download link under radio archives at top of page at http://www.thepowerherbs.com.
PANDEMIC NEWS
Do you have your Pandemic Kit yet? Here is what folks are saying about the 100% organic Pandemic Kit made by Apothecary Herbs. "I have this kit and recommend everyone have at least one on hand (or more depending on family size) for a pandemic." Rebecca Carley, MD, Hickory, NC and "I have one and glad I do; just in case. I like the long shelf life." Melody Cedarstrom, Port Matilda , PA(more customer freedback at http://www.thepowerherbs.com) or call 866-229-3663 to order your kit today.
Are You Part of the Wellness Revolution?
Welcome to Wellness by Dr. Stefanie Gross-Rodsater D.C.
The wellness revolution is here and is here to stay. Are you going to be part of it? We are experiencing a dramatic shift in the social consciousness in regards to health and wellness. More Americans than ever are looking to chiropractic, meditation, nutrition, yoga and exercise to improve their health. The Washington Post stated than more than 84 million Americans are choosing alternative care. But why are they choosing alternative care?
Wellness is more than the absence of illness. Wellness is an optimal expression of the human experience. It is when you are expressing your optimal potential and when you are performing at peak performance mentally, physically and spiritually. Wellness is a process where there is no endpoint and the possibilities are endless. Wellness is a dynamic state of integration with your environment in which the human potential is allowed to thrive.
Wellness care is not the treatment of disease with alternative choices. It is apparent that wellness is more than just reacting to problems and illness. It is a matter of "right and wrong." Disease care is a focus on what is wrong with you or what could go wrong. Wellness is a conscious decision to focus on what is right, what you want and developing your potential. We are talking about seeking a full expression of life not treating or preventing disease. Wellness care is a way of life, a lifestyle choice. We take active responsibility for our life and develop wellness fundamentals into our lifestyle.
The Six Fundamentals of Wellness:
Responsibility: It is up to you to take responsibility for your state of wellness
Journey: There is no endpoint or absolute level to wellness, there is always another level to grow into. Attaining wellness is a process.
Choice: The lifestyle choices you make today will determine your state of wellness tomorrow
Balance: Integrate your, mind, body and spirit into your wellness lifestyle
Innate Expression: Your level of wellness is limited to the level that you allow your innate wisdom to run, regulate, adapt, and express the human experience. This can only happen with a nervous system free from interference.
Action: Begin your road to wellness by starting today and making each day better than the last.
We offer a sophisticated, state-of-the-art Wellness Assessment. Schedule a Creating Wellness Assessment today to begin your Path to Wellness. So are you and your children benefiting from regular chiropractic wellness care - even when they are symptom free? To see if chiropractic may be able to help you call 704-895-7227 today!
This article was written D.C., a doctor of chiropractic in Huntersville , NC at Adjusting the World Chiropractic. Dr. Stefanie has been certified through the ICPA in Webster's technique and Pediatric Chiropractic. Check out www.icpa4kids.com and www.adjustingtheworld.com!
What's Ailing America? SILENT WEAPONS FOR QUIET WARS
by Rebecca Carley, MD
www.reversingvaccineinduceddiseases.com
On both of my Sunday shows on 10/14/12, my guest was Deborah Tavares, a long time activist exposing the many ways we are intentionally being attacked with electromagnetic frequencies. You can listen to "What's Ailing the World? ELECTROMAGNETIC ATTACK (pt 1)" at http://thelightofdayradioshow.com/archives/RBN-BACKUP/Carley-Sunday-Shows.html ; then "What's Ailing America? Electromagnetic attack (pt 2) can be accessed at these 2 links:
http://64.27.26.62/archives32/Carley/2012/10/Carley_1_101412_160000.mp3
http://64.27.26.62/archives32/Carley/2012/10/Carley_2_101412_170000.mp3.
I strongly suggest you listen to these shows, as they are chock full of information too lengthy for me to go into in this newsletter. Deborah's sites on this issue include www.refusesmartmeter.com and www.smartmetersmurder.com .Rather than discussing the electromagnetic attacks being carried out with cell phone towers, smart meters, etc., I am going to refer you to some of the amazing documents you will find on www.stopthecrime.net under "source documents", where the psychopaths who control our world spell out their plans to depopulate the earth, and enslave whoever is left. I suggest you start out with "Silent Weapons for Quiet Wars", a document discovered on July 7, 1986, when an employee of Boeing purchased a surplus IBM copier and found this document inside. Any of you in the military or who have loved ones in the military should start with p. 41, "The Draft (as military service"). The opening statement for the 2ndparagraph is "Even more interesting is the process by which a young man's parents, who purportedly love him, can be induced to send him off to war to his death .under "Enforcement" on the next page, it states (under "Factor II – Father): "By the time his son must go to war, father (with jelly for a backbone) will slam a gun into junior's hand "; under "Factor IV – Junior – it states " if junior can be persuaded to go off to war their quiet blackmailings of him are the threats: No sacrifice, no friends; no glory, no girlfriends."
Another important document you can download from the "source documents" at www.stopthecrime.net is the "Fort Meade Secret Military document", which reveals "bioeffects of selected nonlethal weapons" including laser and other light phenomena, radiofrequency directed energy, and aural bioeffects. It is a stunning explanation of the adverse health effects of the electromagnetic frequencies we are all being exposed to; once again proving that adverse health effects are intentional. On this same page of Deborah's site you can also download "NASA The future of War". Obviously the "space program" is just a front for what the various black ops agencies (including DARPA, the DIA, the CIA, Navy Seals and many others) are up to behind the scenes. This has so many disturbing revelations, including on page 3 where they list examples of "confluence of IT/Bio/Nano" being "an initial cyborg where the brain of a sea lamprey is connected to the body of a robotic fish", and the creation of "Chew-Chew" – a flesh/plant eating robot that hunts/biodigests "natural foods" to "live off the land". On page 43, there is a section called "Micro Dust Weaponry"; where mechanized "dust" is distributed as an aerosol and inhaled into the lungs. "THE DUST MECHANICALLY BORES INTO LUNG TISSUE AND EXECUTES VARIOUS "PATHOLOGICAL MISSIONS." This is a wholly "new" class of weaponry which is LEGAL." On page 52, imported VITAMINS are listed as a possible bioweapon. In fact, after reading this document one can come to no other conclusion than that the 1st "Star Trek" series (with cyborgs, holodeks, etc.), was a subliminal attempt to prepare humans for what is to come. After all, if you are "familiar" with a topic, as it becomes reality you will be less able to object.
ALL of the info on this "source documents" tab of www.stopthecrime.net are important; if you are not familiar with "Iron Mountain", a blueprint for tyranny, you need to check that out as well. The take home message is that the psychopaths who control the world are documenting their plans for humanity, and it is NOT pretty. We need to face reality, grow a backbone, and stop this New World Order that we did not agree to. Deborah will be on my RBN show again this Sunday to continue the discussion; you can call in and ask her questions.
FBI Director J. Edgar Hoover stated in 1956 "The individual is handicapped, by coming face to face with a conspiracy so monstrous, he cannot beLIEve it exists. The American mind simply has not come to a realization of the evil which has been introduced into our midst. It rejects even the assumption that human creatures could espouse a philosophy which must ultimately destroy all that is good and decent."
WHO ARE THE PSYCHOPATHS WHO CONTROL THE WORLD, AND WHO ARE PLANNING THE DESTRUCTION OF MANKIND? They are hiding in plain sight, occupy our government (https://www.youtube.com/watch?v=Ffb-yIg7KoM&feature=related), and cry "hate speech" when their crimes against humanity are exposed. You can read some of the highlights from their "holy book" athttp://www.sherryshriner.com/talmud_tidbits.htm (including how it is fine to have sex with a 3 year old); you can see a documentary about them athttps://www.youtube.com/watch?v=WN79ti93NBY . It should be self evident to you that they control finances, politics, medicine, the courts, Hollywood, pornography, the global pedophile rings, etc. You first have to identify the enemy of humanity if you have any hope in eliminating the predator parasitic psychopaths. You can learn about their plan for the destruction of the hated gentiles at . https://www.youtube.com/watch?v=eWuAH3P9s1k . Their plan is amazingly summed up in the last sentence of the 10th Protocol of the Learned Elders of Zion: "It is indispensable to trouble in all countries the people's relations with their governments so as to utterly exhaust humanity with dissension, hatred, struggle, envy, torture, starvation, BY THE INOCULATION OF DISEASES, by want, so that the Goyim see no other issue than to take refuge in our complete sovereignty in money and in all else". Note that "INOCULATION OF DISEASES" is capitalized in this last sentence of the 10th protocol, proving that they know that vaccines are bioweapons. I strongly encourage you to obtain a copy of this book and read it for yourself. It describes everything that is happening in our world today, so any claims it is a "fraud" is ridiculous.
What do we do? https://www.youtube.com/watch?v=dib2-HBsF08. Spread the word
The information contained herein is not intended to diagnosis, treat, prevent or cure disease. Seek medical advice from a licensed medical physician (if you dare) before using any product or therapy.
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