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  • The Diet Solution Review

    The Diet Solution  Review

    The Program that Promises Fat Loss along with an incredible amount of Health and Vitality.  

    Click Here

    By Martin Ellis

     

    The Diet Solution Program promises a complete and comprehensive weight loss program that will not only help you lose body fat, but guarantees you increased energy, health and vitality all at the same time.

    With so many weight loss programs out on the market and on the internet today, what makes this program any different than all the rest?

    Before we get to the program, let’s take a look at the expert behind this program. Isabel De Los Rios is a nutrition and exercise specialist with 10 years of experience helping clients reach their ideal weight and tackle conditions such as diabetes, heart disease, and high cholesterol. Isabel has a very extensive educational background in nutrition and exercise physiology. Her personal experience with her own weight struggles and her mother’s severe diabetes led her search for the BEST nutrition information available today. The Diet Solution Program is a result of her 15 year study and research.

    I’ve also talked to Isabel about her training and education background, and I’ll be honest, it was impressive, unlike other so-called “health experts”, who are just following main stream nutrition programs. Isabel provides her readers with the truth: the facts most people have never taken the time to research, read and decipher.

    Plus, Isabel has been a nutrition and exercise specialist for the past 10 years and has personally worked with hundreds of clients in her own private facility, overseeing successful weight loss programs. This hands on experience with real people solidified the facts and principles she had learned in books, journals and from other health professionals. The proof was really in the results of real people.

    In fact, Isabel’s articles are pretty radical when it comes to her nutrition principles which is why her approach works when main-stream nutrition fails. So if you are looking for the same old nutrition theories taught in every other book and program on the market today, this is not the program for you.

    Now one of the biggest questions about the program is simply, “What is The Diet Solution Program?” Well according to Isabel, it is the most comprehensive and detailed nutrition manual available on the market today. Not only does it teach you exactly what principles you need to follow to finally reach your ideal weight, it gives you the meal plans, shopping lists and recipes to do so. It does not push some extreme, unreasonable way to lose weight. It actually teaches you how you can make this healthy way of eating into a lifestyle. And if you have ever attempted to lose weight in the past, you know that the only way to maintain it is to make it a way of life. The best part about Isabel’s program is that this new way of life is not some torturous eating regimen. She really shows you that you can eat delicious food, combined the right way, to lose weight and maintain it.

    One of the best side effects of the whole program is the increased health and vitality that every participant experiences. Decreases in blood sugar levels, lowered cholesterol, increased energy, elimination of digestive discomfort and cleared skin conditions are just some of the few benefits other people have already experienced.

    Frankly, I’ve used the program myself and recommended to many others. Why? Because I was sick and tired of following nutrition plans that either did not work or made me lose weight but feel terrible. Yes, I want to be at my ideal weight but I also want to maintain a healthy body at the same time and not have to resort to extreme, radical methods. The Diet Solution Program helped me lose weight and feel healthy and energized at the same time.

    Now realize that some effort from you will be required, but Isabel has really done all the hard work for you. Included in her program is:

    ■Step by step action steps telling you exactly how to put the principles in place
    ■Detailed daily meal plans that make everyday eating easy
    ■Shopping Lists to make food shopping a snap
    ■Delicious Recipes to make everyday meals tasty
    The manual is comprehensive. Jam packed with incredible and valuable information. But you don’t need to wait to get through the whole thing before you can start. You can use Isabel’s Quick Start Guide to start the program ASAP. Some people have even just used the quick start guide and lost 10-15lbs in a little as 6 weeks.

    The Diet Solution Program is not just another weight loss scheme or extreme diet. It is truly the only way to lose weight and enjoy a lifetime of health. The Diet Solution Program is perfect for people who have struggled with their weight their whole life and are sick and tired of programs that just don’t work long term. The DSP is also perfect for people who want to take control of their health and reverse health conditions like diabetes, high cholesterol and heart disease.

    If you’re in the slightest bit curious, I recommend you look closely at Isabel’s program. I was very impressed with all of The Diet Solution Program meal plans, the bonuses, the guarantee, and Isabel’s expertise. For the money, it’s the best deal in the weight loss industry – so much better than diet pills! And remember…

    Isabel De Los Rios’s Program is backed by a 60 day money back guarantee. So you really have nothing to lose.

    And this is a real guarantee… if you are not completely satisfied with The Diet Solution, you will receive your money back, no “ifs,” “ands,” or “buts.”  

    Click Here

  • Journey to the Edge of the Universe

     

    Very far out. Kind of puts things into perspective.
    So vast, yet we are an integral part of it all.
    We are made of stardust.

  • Yeoman Warden At Tower Of London

  • THE UFO ‘DISCLOSURE PROJECT’

    DR STEVEN GREER AND THE ‘DISCLOSURE PROJECT’ – “It’s real, it’s a fact, it’s happening” : I watched and heard – and you can watch and hear too – the DISCLOSURE PROJECT. American generals, senior Army and Air Force officers, military eye-witness’ pilots with the ‘highest security clearances’ claim they have had contact with UFOs and “aliens” or were in the same room as these aliens etc.. Not only that, they all said they were prepared to testify under oath to the truth of alien contact to the U.S. Congress. This is sensational news. The tone is reasonable and the witnesses are impeccable. They have nothing to gain and everything to lose. All they are asking is to have an honest inquiry and look at the evidence. Even the highly conservative Vatican says it makes no sense not to accept their evidence.

    Listen to UFO expert witnesses: DISCLOSURE PROJECT


    “The Disclosure project has over 500 Military and Government Personnel, including civilian contractors; many in which holding “Top Secret” clearances who all are testifying to government suppression of back engineered advanced FREE ENERGY anti gravity technology (UFO’S). And knowledge of extraterrestrial beings.
    http://www.panacea-bocaf.org/disclosureproject.htm

  • Secrets of Bicarbonate of Soda

    The Health Benefits of Bicarbonate of Soda

     

    Keep The SecretFrom foot odor to flatulence, this magical compound can take care of it all.

    Most of the medicinal benefits of bicarbonate of soda come from its natural antacid properties.

    Let us now discuss the immense health benefits of bicarbonate of soda and why you should always have it handy.

     

    For age spots: A paste of bicarbonate of soda mixed with hydrogen peroxide in equal proportions can lighten age spots when used as a pack on affected areas.

    For itching, hives, bites and stings: Apply a paste of sodium bicarbonate mixed with water to ease pain and itching.

    For foot and body odor: Bicarbonate of soda can neutralize bacteria that cause foot and body odor. A paste of the compound with water can help clear athlete’s foot.

    For foot pain and splinters: A foot soak made of 150gms of bicarbonate of soda with equal quantities of Epsom salts can reduce soreness and minimize nerve pain.

    For oral problems: Oral bacteria produce acids that can corrode the teeth enamel. A bicarb rinse several times a day or before going to bed can protect the teeth from untimely decay.

    For heartburn: Heartburn is caused when digestive acids make their way up to the tract. A tablet or teaspoon of sodium bicarbonate along with the few drops of lemon juice acts as an antacid and provides instant relief. The same works for dispelling painful wind in case of indigestion and flatulence.

    For household cleaning: 4 tablespoons of sodium bicarbonate in a liter of water makes a eco-friendly and non-toxic multipurpose cleaner for the house.

    For nappy rash: Bicarbonate of soda added to a baby’s bathwater soothes the irritated skin and promotes faster healing.

    For sore throats and mouth ulcers: Acid producing bacteria can cause lot of pain and agony. Add a teaspoonful of sodium bicarbonate in a glass of water and gargle every four hours to neutralize the acids.

    For sunburn and heat rash: Bicarb can ‘soften’ bath water which makes for a comforting soak for agitated skin.

    For UTIs: Drinking a solution of bicarb can ease the burning sensation while urinating by balancing the acids in the bladder.

    Article by  Shuchi Kalra 

    Bicarbonate of Soda -Best of Health to You

  • Pam Ayres – They Should Have Asked My Husband

  • Wikileaks Iraq War Docs -Part 2

    Wikileaks

  • Wikileaks Iraq War Docs -Part 1

    Wikileaks Seems To be a Thorny Problem !

    Who is right – Wikileaks or the US Government??

    What do you think of  Wikileaks ??

    See Wikileaks Iraq War Docs -Part 2

  • Not Food For Thought

    Below is a science fair project presented by a girl. In it she took filtered water and divided it into two parts. The first part she heated to boiling in a pan on the stove, and the second part she heated to boiling in a microwave. Then after cooling she used the water to water two identical plants to see if there would be any difference in the growth between the normal boiled water and the water boiled in a microwave. She was thinking that the structure or energy of the water may be compromised by microwave. As it turned out, even she was amazed at the difference..’)

     
    day 1

    day 9I have known for years that the problem with microwaved anything is not the radiation people used to worry about, It’s how it corrupts the DNA in the food so the body can not recognize it. So the body wraps it in fat cells to protect itself from the dead food or it eliminates it fast. Think of all the Mothers heating up milk in these ‘Safe’ appliances. What about the nurse in Canada that warmed up blood for a transfusion patient and accidentally killed them when the blood went in dead. But the makers say it’s safe. But proof is in the pictures of living plants dying.

    FORENSIC RESEARCH DOCUMENT 
    Prepared By: William P. Kopp 
    A. R. E. C. Research Operations 
    TO61-7R10/10-77F05 
    RELEASE PRIORITY: CLASS I ROO1a 


    Ten Reasons to Throw out your Microwave Oven 
    From the conclusions of the Swiss, Russian and German scientific clinical studies, we can no longer ignore the microwave oven sitting in our kitchens. Based on this research, we will conclude this article with the following: 

    1). Continually eating food processed from a microwave oven causes long term – permanent – brain damage by ‘shorting out’ electrical impulses in the brain [de-polarizing or de-magnetizing the brain tissue]. 

    2). The human body cannot metabolize [break down] the unknown by-products created in microwaved food. 

    3).. Male and female hormone production is shut down and/or altered by continually eating microwaved foods. 

    4). The effects of microwaved food by-products are residual [long term, permanent] within the human body. 

    5). Minerals, vitamins, and nutrients of all microwaved food is reduced or altered so that the human body gets little or no benefit, or the human body absorbs altered compounds that cannot be broken down. 

    6). The minerals in vegetables are altered into cancerous free radicals when cooked in microwave ovens. 

    7). Microwaved foods cause stomach and intestinal cancerous growths [tumors]. This may explain the rapidly increased rate of colon cancer in America . 

    8). The prolonged eating of microwaved foods causes cancerous cells to increase in human blood. 

    9). Continual ingestion of microwaved food causes immune system deficiencies through lymph gland and blood serum alterations. 

    10). Eating microwaved food causes loss of memory, concentration, emotional instability, and a decrease of intelligence. 

    Have you tossed out your microwave oven yet? After you throw out your microwave, you can use a toaster oven as a replacement. It works well for most and is nearly as quick. The use of artificial microwave transmissions for subliminal psychological control, a.k.a. ‘brainwashing’, has also been proven. We’re attempting to obtain copies of the 1970’s Russian research documents and results written by Drs. Luria and Perov specifying their clinical experiments in this area.

  • Mind Medicine

    Mind Medicine

    by Joanna Evans

    Dr Bruce Moseley, an orthopaedic specialist at Methodist Hospital in Houston, TX, was convinced of the powerful effect of the human mind medicine on healing.

    He recruited 180 patients with severe knee osteoarthritis and divided them into three groups, two of which underwent true surgery to clear out degenerative tissue and debris. The third group underwent a sham operation: they were surgically prepared, put under anaesthesia and wheeled into the operating room, where incisions were made in their knees, but no procedure was carried out. Over the next two years, none of the patients knew who had received the real operations and who had received the placebo treatment, yet all three groups reported moderate improvements in pain and joint function. In fact, the placebo group reported better results than some of those who had received the genuine operation. The mental expectation of healing was enough to marshal the body’s healing mechanisms. The intention, brought about by the expectation of successful surgery, led to physical change (N Engl J Med, 2002; 347: 81–8). The role of the mind in healing—the subject of Bryan Hubbard’s cover story this month—completely baffles the medical community. Yet, it is well documented that belief in a placebo will bring about the same physiological effects as an active agent—so much so that it causes the drug industry enormous difficulty when designing trials; as so many patients report the same relief and even the same side-effects with a placebo as with the tested drug itself, a placebo is not a true control. How can belief—and, in this case, a wrongheaded belief—affect the outcome of healing? Some clues come from intriguing brain studies showing that the electrical activity within the brain, and between the brain and other parts of the body, is identical whether we are merely thinking about doing something or actually doing it. In weightlifters, for instance, the EEG patterns in the brain that are activated to produce specific motor skills become activated while the skill is only being simulated mentally. Indeed, just the thought is enough to produce the neural instructions to carry out the physical act. In the case of placebos, our bodies don’t distinguish between a chemical process and the thought of a chemical process. According to a major review, the only factor for survival appears to be a belief that the therapy will work and a willingness to follow it religiously. Patients who stick to their doctor’s orders fared equally well whether taking a drug or a sugar pill. In contrast, those who tended not to survive were those who were lax with their regimens, regardless of whether it was a placebo or an actual drug (BMJ, 2006; 333: 15–9). Such studies suggest that our beliefs—about our medicine, about the outcome of a health crisis, about our connections to our place in the world—are a more powerful healer than any diet or exercise programme; they protect us against the worst toxins and the greatest adversity. Knowing this, every doctor now has a duty to never give a negative diagnosis, and every patient has a duty to follow only the regime that he truly believes in.

    The thought it generates in us—whether positive or negative—is our most potent mind medicine. May we always use it wisely.

  • Good Trans Fats vs. Bad Trans Fats

    Artificial trans fats are one of the most prevalent poisons in our food supply;  but most don’t know that healthy natural trans fats DO exist.

    by Mike Geary, Certified Nutrition Specialist, Certified Personal Trainer
    Author – The Truth about Six Pack Abs

    I’m going to talk about something today that most of you have probably never heard… that there is a distinction between good trans fats and bad trans fats. There is some evidence that the good trans fats can help you with fat loss, muscle building, and even cancer prevention, while the bad trans fats have been shown to cause heart disease, cancer, diabetes, and the general “blubbering” of your body.

    I’m sure most of you have heard all of the ruckus in the news over the last few years about just how bad man-made trans fats are for your health. If you’ve been a reader of my newsletter and my Truth about Six Pack Abs e-book program, then you definitely know my opinion that these substances are some of the most evil food additives of all and are found in the vast majority of all processed foods and fast foods on the market today.

    In my opinion, man-made trans fats are right up there with smoking in terms of their degree of danger to your health. After all, they are one of THE MAIN factors for the explosion of heart disease since approximately the 1950’s.

    With all of the talk about trans fats in the news these days, I wanted to clarify some things, particularly regarding bad trans fats vs. good trans fats. If you’ve never heard of good trans fats before, let me explain in a bit.

    The Bad Trans Fats

    First, the bad trans fats I’m referring to are the man-made kind. These are represented by any artificially hydrogenated oils. The main culprits are margarine, shortening, and partially hydrogenated oils that are in most processed foods, junk foods, and deep fried foods.

    These hydrogenated oils are highly processed using harsh chemical solvents like hexane (a component of gasoline), high heat, pressure, have a metal catalyst added, and are then deodorized and bleached. A small % of the solvent is allowed to remain in the finished oil. This has now become more of an industrial oil rather than a food oil, but somehow the FDA still allows the food manufacturers to put this crap in our food at huge quantities, even with the well documented health dangers.

    These hydrogenated oils cause inflammation inside of your body, which signals the deposition of cholesterol as a healing agent on artery walls. Hence, hydrogenated oil = inflammation = clogged arteries. You can see why heart disease has exploded since this crap has been loaded into our food supply over the last 5 to 6 decades.

    As time goes on, and science continues to unveil how deadly these oils really are, I feel that eventually they will be illegal and banned from use. The labeling laws were just the first step. In fact, certain countries around the world have already banned the use of hydrogenated oils in food manufacturing or at least set dates to phase them out for good.

    However, keep in mind that as companies are starting to phase out the use of hydrogenated oils in processed foods, they are replacing them, in most instances, with highly refined polyunsaturated oils such as soybean oil, cottonseed oil, corn oil, etc, etc. These are still heavily processed oils using high heat, solvents, deodorizers, and bleaching agents. Even refined oils are known to produce inflammation in your body…a far cry from natural sources of healthy fats.

    Don’t be fooled by the new onslaught of foods claiming “trans fat free”… if they use heavily refined oils (even if they’re non-hydrogenated), it’s still pure evil for your body, and very inflammatory. 

    Once again, for the best results, your best bet is avoiding highly processed foods altogether and choose whole, natural, minimally processed foods. Your body will thank you!

    The Good Trans Fats

    Ok, after having trash talked the man-made trans fats, let me clearly state that there is such a thing as healthy natural trans fats. Natural trans fats are created in the stomachs of ruminant animals such as cattle, sheep, goats, etc. and make their way into the fat stores of the animals.

    Therefore, the milk fat and the fat within the meat of these animals can provide natural healthy trans fats (best in grass-fed organic versions only).

    Natural trans fats in your diet have been thought to have some potential benefit to aid in both muscle building and fat loss efforts. However, keep in mind that the quantity of healthy trans fats in the meat and dairy of ruminant animals is greatly reduced by mass-production methods of farming and their grain and soy heavy diets. Meat and dairy from grass-fed, free-range animals always have much higher quantities of these beneficial fats.

    One such natural trans fat that you may have heard of is called conjugated linoleic acid (CLA) and has been marketed by many weight loss companies. Keep in mind that these man-made CLA pills you see in the stores may not be the best way to get CLA in your diet. They are artificially made from plant oils in a manner similar to hydrogenation, instead of the natural process that happens in ruminant animals. Once again, man-made just doesn’t compare to the benefits of natural sources.

    Here’s a great site I found that I use to order all of my healthy grass-fed beef and other free range meats.  The service is impeccable and they deliver right to your doorstep in a sealed cooler. It’s worth it to know that you and your family are actually eating meat that’s good for you instead of the normal grocery store junk.

    Now that all of your labels should be listing grams of trans fat, keep in mind that if a quantity of trans fat is listed on a meat or dairy product, it is most likely the natural good trans fats that we’ve discussed here (*I only recommend grass-fed meat or dairy). Otherwise, if the quantity of trans fat is listed on any processed foods, it is most likely the dangerous unhealthy crap from artificially hydrogenated oils, so stay away!  

    One more important note about food labels and trans fat listings… keep in mind that food manufacturers are allowed to label a food “trans fat free” if 1 serving size contains less than 0.5 grams of trans fat.  So you may see some products with hydrogenated oils as one of their main ingredients, but if they make the serving size small enough so that it contains less than 0.5 grams of trans fat per serving, they can label it as trans fat free… now that’s BS!  just another example of our broken system!

    If you liked this article, please click the “Like” button below for Facebook:

    Here’s some more great reading material about eating a truly natural and healthy diet for you and your family:

    Nourishing Traditions – by Sally Fallon and Dr. Mary Enig

    Eat Fat, Lose Fat – by Sally Fallon and Dr. Mary Enig

    Also, if you haven’t read it yet, be sure to read this eye-opening article about saturated fat truths by Dr. Mary Enig (one of the best nutrition articles I’ve read)

    I hope you’ve enjoyed this interesting look at good trans vs. bad trans fats and use the info to arm yourself with more healthful food choices for a better body.

    If you have yet to check out my internationally best-selling program, The Truth about Six Pack Abs, clickety-click on over and see how this program will burn fat off of your entire body, leaving you with abs that your friends will envy!

     

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    Good Trans Fats vs. Bad Trans Fats

  • How You Can Use Self Hypnosis To Cure Your Anxieties

     

    Self Hypnosis Can Cure Your Anxieties

    Self hypnosis  is a powerful tool that you can learn to use with practise and change your life.

    Has any of this ever happened to you ?

    Your boss ends your Monday with a stack of papers and instructions that you must submit this report in the next 48 hours or else…

    – Your significant other doesn’t answer your calls when you need to get a hold of them the most

    – Your mother sends you Guilt-Tripping messages that you don’t come and visit enough

    – Your landlord Completely ignores you when you tell her that part of the ceiling is leaking in your apartment

    – Your credit card bill is getting HUGE and is taking over in your dreams

    At this point your probably starting to feel a throbbing pain in your temples like your head is about to explode.

    EASY does it.

    You certainly don’t want that to happen now do you?

    Sit down and take a deep breath, close your eyes, relax and unravel your inner thoughts.

    Sometimes, when taking control over a chaotic life, a stressful situation, a physical ailment or an emotional dilemma, it will usually start within you – your mind, and specifically, your “Subconscious”.

    Communicating with your subconscious doesn’t have to be seen as being difficult.

    Negotiating with your own self (Yes, I know it sounds kind of crazy, but hear me out) can be ‘achieved’ through a form of mind control called “Self Hypnosis”.

    Some of you reading this article right now may of heard of this practice and know How To do it, but for those of you who don’t here’s a sample of this basic procedure in 7 easy to follow steps.

    Step #1. Find a venue conducive for relaxation.

    Find a quite room, with a comfortable temperature and set the lights just right (not too dim, not too bright).

    Then… light a candle and incense if you desire.

    Step #2. Surround yourself with sound pleasant to your ears.

    Play some relaxing music. Bring in a portable fountain. Hang some chimes where the breeze blows.

    WHY?

    Because the sound of music is soothing.

    Step #3. Find a comfortable position.

    Surround yourself with the things that make you feel the most comfortable. For example, your pillows, blankets, your favorite pair if joggers, whatever you like.

    A caring, healing sensation always eases stress.

    Step #4. Tell yourself this.

    I am light, I am comfortable, I am at ease with myself.

    All my tensions, worries and anxieties are gone.

    I am light, I am comfortable, I am at ease with myself.

    (Repeat many times while breathing deeply and with your eyes closed.)

    Step #5. Picture what you want your life to be.

    Visualize every detail, every situation that you want to happen.

    Imagine it So… as if it is really happening at this moment.

    Step #6. Repeat step #4.

    Breathe in, breathe out. Now… imagine yourself being surrounded by a bright, luminous light starting from your forehead until it fills the whole room.

    Step #7. Wake Up!

    Simply wake up when you’re ready and feel refreshed.

    Repeat this procedure regularly as needed.

    This exercise simply helps you clear your thoughts.

    It may also lead you to Self-Revelations that will help you assess the situation on how you want to live your dreams.

    It may or may not work, your goal may or may not be achieved – the universe has reasons humans may not fathom.

    The important thing here is this: “Self Hypnosis” will help you become a better, calmer person that’s More attuned to themselves, and more willing to help others.

    Click Here!

    Try Self help Books – Click Here  and release your full potential

     
     
     
     
     
     
      
     
     
     
     
     
     
     
     
     

     

     

     

     

  • Frozen Crabs & the Blonde Stewardess

     A lawyer boarded an airplane in New Orleans with a box of frozen crabs and asked a blond stewardess to take care of them for him.

     She took the box and promised to put it in the crew’s refrigerator.

    He advised her that he was holding her personally responsible for them staying frozen, mentioning in a very haughty manner that he was a lawyer, and proceeded to rant at her about what would happen if she let them thaw out.

    Needless to say, she was annoyed by his behavior.

     Shortly before landing in New York, she used the intercom to announce to the entire cabin, “Would the lawyer who gave me the crabs, in New Orleans , please raise your hand.

     Not one hand went up …. so she took them home and ate them.

    Two lessons here:

     1. Lawyers aren’t as smart as they think they are.

     2. Blonds aren’t as dumb as most folk think.

  • Is This The Biggest Lie?

    This is an article by Coert Coetzee, the founder of the Treoc group and is very interesting reading – Martin

     

    “If you tell a lie long enough, loud enough and often enough, the people will believe it and people are more likely to believe a big lie than a small one.” – Adolph Hitler

     

    Is This The Biggest Lie?

    A lady was recently telling us about an endowment policy that she took out with one of the big insurers. If you look at the figures, it doesn’t appear to have been a bad transaction at first glance.

    She’s paying R400 a month for a product that, according to projections, will pay out R500,000 in twenty years’ time. The monthly contributions also get increased by 10% each year, so that they’re kept in line with inflation. It looks good – and don’t forget that it’s being sold by one of the staunch old South African companies to whom just about half the country belongs. They’re also approved by that mighty consumer protector, the Financial Services Board. And bear in mind that these powerful companies have the best actuaries working for them. So there’s therefore no way that this could be a scam. Think again, my dear friends. This is the biggest organised and legalised form of a scam you can imagine.

    Anyone who can do maths can see how the scam works, but I think our people are like lambs being led to the slaughter. They don’t do the maths, they ask no questions, and one day in twenty years’ time they’ll just take the money and say thank-you.

    I want to show you today how to do these simple little sums, but before we get started we first need to reflect on an important assumption here, namely inflation. The government would very much like us to believe that inflation is lower than their goal of 6%, but any housewife will tell you that consumer inflation is higher than 10% per year. Just work out what a trolley of groceries cost you 5 years ago, in comparison to now. For this exercise let’s use an inflation rate of 10%, like the insurance company uses for its annual increase in the contributions.

    Let’s do the maths! All that you do now is take a piece of paper and draw four columns for yourself. Column one is the number of years. Column two is the inflation percentage. Column three is the annual inflated contribution. Column four is the expected deflated value of the endowment policy at that stage. In column three, Contribution, we take the R400 per month and multiply it by 12 to determine the first year’s contribution. That’s R4,800, which is then increased by 10% each year. In column four, Value, we start with the promised, projected payout of R500,000 and decrease it by 10% per year. The reason for this is that money’s buying power decreases each year, thanks to inflation. This is how the table looks now:

    Years Inflation Contribution Value
    1 10% 4 800 500 000
    2 10% 5 280 450 000
    3 10% 5 808 405 000
    4 10% 6 389 364 500
    5 10% 7 028 328 050
    6 10% 7 730 295 245
    7 10% 8 503 265 721
    8 10% 9 354 239 148
    9 10% 10 289 215 234
    10 10% 11 318 193 710
    11 10% 12 450 174 339
    12 10% 13 695 156 905
    13 10% 15 064 141 215
    14 10% 16 571 127 093
    15 10% 18 228 114 384
    16 10% 20 051 102 946
    17 10% 22 056 92 651
    18 10% 24 261 83 386
    19 10% 26 688 75 047
    20 10% 29 356 67 543
    Total Contribution 274 920    

    If you now add up all the contributions in column 3 over the 20-year period, it comes to an amount of R274,920. The value you’ve bought with that is that amount of R67,543 in year 20 in column four and NOT R500,000 like they told you. With inflation taken into account you’ve therefore paid R274,920 for R67,543. Would you have made this ridiculous “investment” if you had known what you were buying?

    Do you know how ordinary people do these sums, though? (And this is why the crooks have been getting away with this scam for generations already.) Ordinary people think they paid R274, 920 and got R500,000 out. This is the illusion that the crooks create, and it’s also what it says in the policy documentation. You do get out an amount of R500,000, but then you’re not taking the effect of inflation into account. That is how they legally prey on the unsophisticated and trusting public. With their clever actuaries’ “complex” calculations they bullshit the police, the FSB, the brokerage industry and the public.

    Ordinary people who receive the R500,000 after twenty years think, “What a fantastic investment!” Then they think that the insurance company is wonderful and they’re sorry that they didn’t take out more of these endowment policies when they were young. That’s also the message that people communicate to their children, which is why the crooks get away with it and can carry out the same scam with your children.

    What do they do with your money every month? They invest it in property. That’s why they have such enormous property portfolios – because they pay only R67,543 for a property value of R274,920. Show me a bigger scam!

    http://www.lightminded.com/upcoming-events/

  • Eckhart Tolle – The Enormous Power Of Yes

     Eckhart Tolle

    For a short review of the work of Eckhart Tolle, please visit

    http://www.selfhelpbooks.biz/the-power-of-now-review/

    Thanks for watching the Eckhart Tolle video