Snoring and Sleep Apnea: the Silent Killer of American Retirees

is surgery for snoring and sleep apnea safe?Snoring is a very common problem for American adults, affecting over 40 million men and women every night. While it’s a bothersome nuisance and maybe even a little hilarious, it can actually be dangerous. When a person snores, they are actually going without air for long periods of time. When a person goes without breathing several times per minute every night, they are often diagnosed with sleep apnea.

Snoring and Sleep Apnea: Closely Related

 
Snoring and sleep apnea then are directly related and are distinguishable from each other usually by only a degree of severity. The dangers of sleep apnea do not usually include death as a direct result, but can aggravate or create even worse medical conditions such as cardiovascular disease, stroke, diabetes, and heart attack.

Besides the very serious medical issues that come with sleep apnea, snoring causes people to get low-quality sleep at night, often waking up gasping for air, even if they are unaware of it. As a result of this sleep deprivation brought on by insufficient air, a person will often miss out on REM, or “rapid eye movement” sleep, where the body and mind undergo healing and regeneration, and also result in that rested feeling you get after 7 to 9 hours of solid, uninterrupted sleep.

Is CPAP the Best thing to Stop Snoring?

 
The solution that most people come across is the CPAP, or continuous positive airway pressure device, which when used is often the most efficaceous solution to snoring and sleep apnea. However, it comes with a heavy cost and commitment.

While a CPAP can rang in the thousands of dollars on top of the costs of doctor visits and insurance bills, what many people don’t realize is that CPAP has a variable rate of success of around 46% to 83% of all those treated with the device actually fail to use it the recommended >4 hours per night. Thus, it begs the question: “Is CPAP the best option for people who snore?”

The next common option is corrective surgery. There are literally at least 25 different surgical procedures for snoring and sleep apnea, but some of the most common are the uvulectomy, turbinate reduction, septoplasty, implants, and maxillomandibular advancement.

Most of these procedures can be done in a doctor’s office or clinic with only local anaesthesia and you will be released the same day. However, the success rate of these procedures deserves some scrutiny, as together they average less than 50% success in eliminating snoring and improving sleep apnea for patients.

If this information sounds disheartening, then you can be pleasantly surprised to know what Harvard doctor Lawrence Epstein has said about sleep apnea: “If we can get people to lose weight, it would make both sleep apnea and other health problems [such as heart disease] go away.”

The truth is, most Americans are overweight and many are technically obese. Over half of all American adults are considered overweight and over one third are rated as obese.

OTC Stop Snoring Mouthpieces: a Safe, Cheap Alternative to CPAP and Surgery

 
In addition to a little healthy weight loss, adding exercise to the weekly routine, and looking for ways to cut down on unhealthy food options, snorers can also invest a little time and research into stop snoring mouthpieces which are available OTC and still cleared by the FDA. These mouthpieces can work immediately and usually cost less than $100. Many of them come with risk-free trials so you can try before you buy, ultimately.

No matter what you do, please do something about your snoring problem or sleep apnea. In the long run, snoring may be a serious detriment to your health and longevity masquerading as an annoyance.

Good luck and here’s to many rested, sleepful nights.

My One Regret of Parenthood- Micro Managing and Strictly Over Doing It

A Look At the Tendency Towards Over Parenting

One of the worst things you can do for your children is to over parent them. If you do, they will not learn as much as they could if you would simply let them try. When kids have overly obsessive parents who are always concerned about their grades, or how they perform at school, they can also be guilty of over parenting. Instead of trying to micromanage your kids, you need to encourage them instead. In this article, we will show you the downfalls of over parenting, and what you can do to improve in this area.

All parents try their best to help their children have all the tools they need to do well. Simply playing with their friends is showing them how to behave with others and this is necessary. So it’s critical that you form a positive perspective on everything to the extent possible. Kids are smarter than we all think, and they’re capable of making their way through most challenges.

Maintain a healthy and safe distance and just watch what your child does, and then offer some guidance. Would you want to have a career at a place of occupation where you were severely micro-managed?

Its very well known that some kids are doing things because it’s the parent who pushed them to do it. This may be a sport or other activity that the child may or may not like or have any aptitude for. If you’re pushing your son or daughter to take lessons or attend classes in certain activities just because you think it’s important, make sure he or she really shares this interest. All kids have certain interests and talents, but just because you loved hockey or ballet as a child doesn’t mean your child also will.

Don’t be the clueless parent who has some problems, and then you act them out in a way that impacts your children.


Your kids need to fall down, make mistakes, get their knees scraped and all that good life stuff. Now, this does not mean you allow your kid to fall out of the tree if you’re there watching. Doing their homework, a report or school project for them is a good example of this, and the whole point of such assignments is to teach kids important skills.

There’s just so many negative side effects when there are over parenting issues at play. So you’ll need to find a way to breakout from being that kind of parent. Be patient with yourself, and it’s a good idea to talk to someone if you feel that you need to do so. Just be sure that you give your child the best chance possible to grow up healthy and with good social skills.

Back to Gold IRA Rollover and Investments Guide

Stimulus is dead: When the spoils system spoils (and why people approaching retirement should care)

Economic stimulus is hurting America“To the victor, the spoils.”

And spoil indeed it does.


The biggest reason why federal stimulus is a horrible idea…


It rewards that which does not work.
Literally, and figuratively. Symbolically, and actually.

I wrote this article and a day later this major news outlet published this interview where even financial experts are saying the true nature of the world economy is impossible to gauge due to the distortions caused by the world’s central banks and their manipulation of the world’s currencies.

Let’s go ahead and define exactly what I mean by that.

At the very basic level, it’s welfare. It’s entitlement spending to protect the status quo, instead of changing what’s broken. It’s not called welfare but then again, no welfare is called welfare.

I don’t mean welfare babies. I don’t mean unemployed. I don’t even mean the government which does not produce wealth but does tax and redistribute it by it’s very institutional nature.

And I’m not complaining, because as always, that can be saved for another post until I finally forget that I felt the need to complain. 🙂

Amazing what not complaining does for your productivity and happiness by the way 😉

So what exactly and why exactly does stimulus not work?

Because capital which does not circulate spoils.

I’m talking specifically about retirees and people in the upper middle-class that continue to feed the monster by investing in companies that need to die natural deaths, and by waiting and holding onto stocks whose value is being artificially inflated through monopolistic practices or old school business models.

Retiring? Don’t Get Complacent!

Current retirees and people approaching retirement can be very complacent, and they have utmost faith their government is going to bail out any and all failed companies, especially if they are large and have been around for many years.

And they may be right.

However, that does not change the consequences, outcomes, and effects of continued EZ Money policy of the United States federal reserve bank.

I am currently giving dictation to my iPhone for this post (i.e. hands free talk to text) and even my iPhone knows that easy money should be spelled like the pawnshop or payday loan center it represents! Haha

The fact is a lot of upper middle-class Americans benefited from the taxpayer-funded bail-out of 2008 and continued federal stimulus of the last five years, though it was a happy coincidence more than anything, because we all know the most wealthy are out for #1.

The holding companies, banks, and other financial institutions that manage the funds and retirement accounts- accounts which are comprised of many too big to fail American companies, which ultimately served/saved the banking derivatives scandal and indirectly the current and recent retirees.

I had a conversation with a retiree today who encouraged me to buy stock in RadioShack. RadioShack. Can you believe that? A retiree with $40,000 worth of Radio Shack. So how’s Radio Shack been doing anyway?

Radio Shack stock dive

I didn’t even know RadioShack’s stock price for the last 20 years. I didn’t care. I only looked it up after having the conversation and openly disagreeing with the retiree, saying RadioShack is not relevant to today’s market. I had even been to a RadioShack recently and nothing in the store did anything for me. It’s a store that came out of a market need of the 80’s due to the ushering in of the era of consumer electronics (like the Sony Walkman) where devices required all sorts of different sized batteries. RadioShack was a battery store!!!

And no more. And soon, to be never more.

RadioShack, an absolutely wonderful idea in the 80s and now, outdated due to Amazon.com and Best Buy. The same retiree encourage me to buy stock in JCPenney.

Currently this person probably has a lot more money than I do, but while they were trying to sell me on RadioShack and JCPenney I was showing them on my laptop but today’s earnings for the stock GoPro, the California-based company which produces recording devices for extreme sports athletes poised to take over even more market share with their new pricing and innovative new products.

Go Pro stock is up about 35% in the last two weeks and is the most successful IPO of 2014.

Their reasoning: too big to fail is “in” and the mantra “don’t get anxious, wait it out” was repeated.

And that only works 30 years ago and if you already have lots of capital already invested in big blue-chip stocks or bonds.

Problem is most Americans do not. And not only that, one out of three people on the street in America currently has a debt and collections. Not only that, you actually believe reports that the government is issuing which I do not, you will see that all of these new jobs being created are part-time jobs and many employers are already adjusting workers’ schedules to bypass the numerous stipulations in the Affordable care act legislation.

How the upper-middle-class suddenly became millionaires:

1. The accumulation of capital when it was much easier to get (pre-recession)

2. The benefit of being heavy into US dollars whether it be currently in savings (back when saving was actually an acceptable concept) and company stocks denominated in US currency back when dollar momentum was stronger and federal debt substantially lower

3. Extensive lobbying by the American Association of Retired Persons which is the largest lobbyist group in America (this has caused a net increase in median income among the retirees during a recession, and the rate of increase as beating out regular working Americans)

4. By doing absolutely nothing

It’s true. There was a time when you could handover money to an account manager and as long as nothing exploded, you would make serious money. The Soviet Union failing was a large part of that.

Sure America is way better than Russia in many regards, but the fact is the Soviet Union sucked really bad for really long time before it eventually collapsed.

So while many people are comfortable with waiting and seeing what happens, I personally am not. Regardless of any investment you make, you should have an entrance and exit strategy in mind.

Or, as in the case when I bought Go Pro Stocks, you buy with value long-term in mind for the marketplace, the consumer, and for the sake of innovation.

And if you have a lots of money tied up in the stock market, which is currently trading sideways and has been for the last year, I would suggest you diversify your positions.

The same person recommending RadioShack to me also said he did not mess with metals. Because, according to him, metals haven’t done anything lately.

That is not why you get into metals.

I have a small but very important number of specific reasons to take a position in gold either in gold bullion bars as an IRA or when appropriate, physical gold you can hold:

1. You get into metals because you are already wealthy and you want to protect your wealth.

2.You get into metals because once you recognize a valuable opportunity with a company which can legitimately handle the transaction for you honestly and dependably, you realize another excellent investment instrument at your fingertips.

3. You get into a metal’s IRA or gold IRA to diversify or hedge on your current IRA.

4. You own physical gold as a backup or emergency currency because this is important to you.

Let me tell you something about gold: it is much harder to mine gold than it is to print money.

I’m just relaying what Uncle Sam has told us all, and how the news reported that it costs more to print a penny than to spend a penny.

So while the value of a piece of paper is largely dependent on many factors outside of your in my control, one thing is for certain and that is gold has always held real monetary value your regardless of any paper currency anywhere.

Don’t let the government reports which gloss over inflation and factor out financial realities for many working class and middle-class Americans form your opinions.

If you don’t think your government would lie, then why have the remaining files on the JFK assassination been locked up all this time and the release date is continuously pushed back and back and back.

To quote any US president ever “if you have nothing to hide, you have nothing to worry about”.

So then perhaps we should worry, because there’s plenty being hidden in plain view… at least if you go by that logic.

Or you can just listen to Janet Yellen and pretend it’s all okay.

As for me, I have only this to say.

Just the facts ma’am. Just the facts.

Sent from my iPhone

All Fences are Not Created Equal: Renovating Your Home’s Fence

At the most fundamental level, there are not very many differences with fencing when you consider the core materials which are either wood or metal. Even fences made from the same material often will not appear to made from the same thing. The industry has completely changed the way it does business over the past decade or so. Even industrial businesses are not locked into any one kind of fence or material.

What You Can Expect with The Variety of Fences

 
As you can imagine, wood needs special attention just because it is wood, and this applies to fences made from it, too. Wood does have some weaknesses, and you have to apply a stain to it, or you at least you should as this will add an extra layer of defense. One of the more common pests are the ordinary termite, but you can find repellents that are both chemical and natural. The prime area for mold to form is where the posts enter the ground, but you can help reduce this by applying generous amounts of stain and keeping an eye on it.

The Traditional White Picket Fence

 
white picket fenceA more delicate fence design is that of the picket fence, and these are very much seen in old European cultures and in the US. These are the fences that are seen in all the old American movies and it’s true they were everywhere. Regardless of where you live, you should at least put it on the list of things to consider.

What with people opting for more modern materials and designs, it’s understandable why they may have lost some appeal. Just to make the fence last longer, you can get them with a vinyl coating, and remember there are other materials you can use in this fence if you like, as well.

Solid, Dependable Wood Fencing

 

traditional wood fencing
Traditional. Rugged. Wood Fence.

You can consider a wood fence, but you should know that you will have to spend more time with maintenance. With wooden fences, you will typically choose the height being either four feet or as high as six feet.

A solid stain will not only afford some degree of protection from the rain, snow, and ice (if applicable), but they can protect against termites. One of the appeals of wood is that it looks natural, and that only makes sense, but you will have to sacrifice a little there if you want to protect it.

If you’re feeling excited about getting a new fence, then you’ll really feel pumped when you see all the different kinds you can get.

Fence accessories are a whole new area and market, and they are worth exploring because you may find something you really like. It all depends on what you want, and you can create very lovely effects that smack of European influence.

chain link fence
Beware of these guys

Still some people will feel fine with the ease of a chain link fence, especially if it’s a rental property or vacation home.

Getting Unstuck as an Investor: Eliminating Your Own Confirmation Bias

confirmation bias in investing and political psychology
Through confirmation bias I have unconsciously trained myself to pose like this in pictures

Confirmation bias is a self deceptive trick of the ego which influences a person’s judgment, where the person usually denies all available, pertinent information about reality in order to support an initially held viewpoint. Even if the initially held viewpoint can no longer be supported rationally at the present time.

“It could never happen here, and it could never happened to me.”

For anyone curious about the direction of the United States economy and currency, I they are welcome to take a look at my personal research on long-term US economic prospects found on the homepage of this website.

For now though I want to talk about a phenomenon in psychology and communication as confirmation bias.

Why You Should Eliminate Confirmation Bias from Your Investor Psyche

 

Enron’s Demise

Many people know about the Houston Texas based oil company Enron and how it fell at the turn of the 21st-century. Anyone who has seen the excellent documentary “The Smartest Guys in the Room” will tell you that even as Enron starting to suffer major problems and begin its massive descent, its highest ranking organizational members were still encouraging the purchase of company stock while they were selling their own shares. To their own employees. Not just unwitting members of the general public.

And of course they were doing this to get more capital for their dying company to buy them time so that they could gradually liquidate their shares. And how did it all end? A suicide, a death, and a lot of out-of-work broke people with no job and no retirement.

Before my dad retired he used to work for Texaco-Chevron in downtown Houston and he painted a very vivid picture to me about the day when Enron went completely belly up. He told me that Enron employees for the last five years had usually been the most arrogant a holes on the commuter bus to and from the park-and-ride, but that day when they all lost their jobs, they were anything but arrogant.

Hanging on to a bad trade: We’ve all been there

Often time as investors, and as poker players, we may have a tendency to try to just hang on and ride it out. Things always worked in the past, and it was never really a problem so why would it be a problem moving forward?

Tell that to the people who failed to evacuate the Louisiana Gulf Coast region during a force five hurricane. Tell that to British Petroleum, which for all we know created considerable ecological damage in the Gulf of Mexico when their faulty rigs failed. Tell that to Ben Bernanke, who publicly testified only a year before the housing market started to collapse that he foresaw only continued growth in the short, medium and long term.

Tell that to my college professors who, in their own words, would have to work an extra 10 years instead of retiring, and a big reason is because they failed to diversify their investments, retirement accounts and 401(k)s prior to the stock market crash in late 2008. If they would have held a significant position in gold, they may have actually profited during the housing market collapse and the financial markets took a dive.

It pays to be smart. Life is all about surviving the variance. It is not the strongest nor the fastest that survive, it is those who are most adaptable to change.

Plan ahead my friends!