Dear ETR Reader,
The promise of technology is to make our lives simpler and better … but oftentimes it has exactly the opposite effect.
Today, Michael Masterson explains how to fight – and win – the battle against cellphone rudeness.
- Charlie Byrne
The Internet's
Most Popular Wealth, Health and Wisdom EZine
Comments/Questions: 1-866-565-1117
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Friday , January 27, 2006
Message #1637
WEALTHY: How high can oil prices climb?
HEALTHY: A terrible idea!
WISE: "Miss Manners" on a general rule of etiquette
ALSO IN THIS ISSUE:
The new cellphone rules (Michael Masterson)
Another gem from the ever-quotable Dave Barry
Add the word "egregious" to your vocabulary
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Highly Recommended*
Guerrilla Stock Trading System
I look at complex charts and graphs all the time. And—I’ll tell you—it’s not easy on the eyes or brain.
And yet…I do it because by figuring out where a stock is headed over the following days, you can make good money relatively quickly.
Who wouldn’t like to get a piece of that action, especially now that the stock market may be settling into a sluggish period?
But before you jump into short-term trading, you should be aware of some of the things
you shouldn’t do.
For one thing, don’t invest out of desperation. Don’t start accepting higher risks for smaller returns. That’s one slippery slope.
For another thing, don’t tie up your money in vehicles that are safe but give out returns so small you need a magnifying glass to notice them. You can do better than that.
And don’t go out and buy the first trading system that dazzle you. Some of them are excellent… but many of them aren’t.
For those of you who would like to pocket gains in days rather than months or years—and who wouldn’t if it can be done with minimal risk—a trading system may be just the thing.
It should be a trading system that both works and is transparent. That’s right…you need to know exactly how and why it works. Otherwise, you’re flying blind and that’s dangerous.
I don’t like the feeling of not knowing what you’re doing when you’re handing over your hard-earned cash, and neither should you.
I know just one trade system that does this. It operates on common sense—and not by betting on obscure price movement patterns (the double reversal back flip—quick—is that a bullish price movement or an Olympic-rated dive?) that mean little to you.
To really understand this trade system, you need to stop looking at the market as being made up of thousands of stocks you trade on.
That’s how I used to look at the market until a super-successful trader friend of mine set me straight one day.
He said the market is really made up of thousands of talking heads, whose gossip and news you trade on.
There are really only two consistent truths about the stock market, he explained. Unexpected news will drive a share price up or down, and that knee-jerk price movement is usually only temporary.
As one who tries to follow the news, I found it blindingly obvious once he explained to me that it’s not all about NEWS but about HOW PEOPLE INTERPRET THE NEWS.
There are news stories about publicly-traded companies being released all day every day.
Some are really good and some are so poorly written that they become ‘hidden gems’ about potentially good news or bad.
This trade service is awfully good at sorting out all this babble and spotting which news stories will actually drive a stock up briefly, so you can quickly jump on for the ride—make money—and get out again.
It’s called The Guerrilla Stock Trading System, andas far as I know, it’s a one-of-a-kind system. You better believe I’ve tried it. It really works.
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Setting Goals –And Sticking To Them – Will Help You Achieve Financial Independence
Don’t take our word for it. That’s the headline from an AP article than ran in hundreds of newspapers across the nation last week.
"This is definitely the time of year to get things started," was how Barry Armstrong, a Boston financial planner with Woodbury Financial Services put it.
"For some people, it's a bitter message. There are things that you don't like doing. But they have to be done."
Former waitress Pamela Newman went from hand-to-mouth living to owning two condominiums in the San Diego area. What did it take? Resolve.
Resolve to make 2006 the year you kick it up a notch. Here’s how:
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Pumping Oil
Demand for oil should rise by 1.8 to 2.0 mbpd (million barrels per day) this year and oil production should fall by more than that. So there's only one way oil prices can go … and it ain't down.
The only remaining question: How high will they climb?
While prices have cooled off since the $70 per barrel that oil reached last summer (summer being the season when energy products are most in demand), next summer is barely five months away … and oil futures for March delivery are still trading around $66 a barrel.
I think oil will hit $80 a barrel at some point next summer before taking a breather for the rest of the year.
I recommend that you invest a small portion of your portfolio in an energy-based stock such as BlackRock Global Energy and Resources Trust or an energy-based mutual fund like Oppenheimer Real Asset Fund. You might also be interested in taking a look at my newsletter, The Skeptical Advisor, which has three little-known oil plays in its portfolio of stock recommendations.
- Andrew Gordon
"A general rule of etiquette is that one apologizes for the unfortunate occurrence, but the unthinkable is unmentionable."
- Judith Martin ("Miss Manners")
Cellphone Rudeness
By Michael Masterson
I was waiting in line at my neighborhood bookstore when I became aware of a struggle going on behind me.
"I thought I told you to turn that thing off," snapped a woman in gray slacks. She was scolding her son, whose cellphone was ringing. I hadn't even noticed the sound – a sad testament to how cellphones have become woven into the tapestry of everyday life.
The kid – high school age, scuffed sneakers and baggy jeans – started fumbling around in his backpack, trying to find the offending item.
"Out!" his mother commanded. "Go wait in the car." She practically threw her keys at the boy, who slunk out the door.
To my surprise, the woman turned to me and apologized. "I don't mean to yell. I'm just so fed up with cellphones!"
The woman – who introduced herself as Beth – explained that she teaches math at a local community college. And, she told me, she is constantly reprimanding her students for paying more attention to their cellphones than to their work. "This morning," she said, "one student actually answered her phone to tell the caller that she was in the middle of her calculus test! And even if they turn off the ringers, they still text-message one another."
The blatant use of cellphones, anywhere and any time, has become commonly accepted behavior. Perhaps that's why Beth's students seem to be unaware of what they are doing. And while I've never personally experienced such an egregious display of rudeness, I have noticed that most people have few to no manners when it comes to their mobile phones.
It's the damnedest thing. You are having a conversation with someone, their cellphone starts ringing, and – without even excusing themselves – they open it up and start talking to someone else. You stand there, feeling like a fool … and wait.
Cellphone calls routinely disrupt personal conversations, business conversations, meetings, speeches, ceremonies, and even religious services. The only attempts made to curtail this modern menace are in theaters and concert halls – as if entertainment were the only thing more important than instant communication.
In the old days, we followed an informal set of rules. The first rule was universal: Except in dire emergencies, ongoing conversations should not be interrupted. If you wanted to say something, you would wait your turn. There was also a rule that related to the intensity of the conversation: The more serious it was, the stricter the prohibitions against butting in. And, finally, there was an acknowledged hierarchy: Children deferred to adults, students to teachers, employees to their bosses, and so on.
Call it respect … call it courtesy … all that is out the window. Any conversation, regardless of how important, intimate, or urgent, is now brought to a screeching halt the moment someone's phone goes off.
Of course, I am something of a hypocrite when it comes to most causes I advocate – and this one is no exception. Although I feel mistreated when someone I'm speaking with answers his cellphone, I have the strongest urge to answer mine whenever and wherever it rings.
Most of the time, I'm happy to say, I resist the temptation. My phone is set to vibrate silently before it starts ringing. So if it starts vibrating during a conversation, I reach into my pocket and cancel the call … without my conversation partner even knowing that I got it. (On most cellphones, you can do this simply by pressing an external button.)
But few people have any sense of manners when it comes to their cellphones. Which is why I'd like to offer you six rules for polite cellphone use":
1. If you must be available to callers, put your phone on vibrate. Leave the room immediately if a call comes in.
2. Never talk on the phone while conducting business face to face with someone else.
3. If the lights are out, turn off your phone. Audiences in playhouses, theaters, cinemas, and observatories want to concentrate on what they're watching/listening to.
4. Keep your voice down. No need for everyone in the room to hear what you're saying.
5. Do not discuss private business or personal matters in the presence of other people. Put the caller on hold and move to an isolated area. Or reschedule the conversation.
6. Don't bring your cellphone to job interviews, weddings, funerals, church, business meetings, presentations, court, museums, or the library.
Follow these suggestions and your friends and colleagues will appreciate your full attention. Your fellow theater-goers will appreciate your silence. And you and your dinner companion will enjoy an uninterrupted meal.
[Ed. Note: We know of two laws banning the public use of cellphones - one in New York City performance venues (with a fine of $50) and one in Huntington Beach, California libraries (with a fine of up to $1,000). Good idea? Bad idea? Let us know what you think on Speak Out.]
Today's
Action Plan
If you and your cellphone are joined at the hip (so to speak), try to reduce your dependence on it by leaving the thing at home once in a while. You may find that you relish the freedom from people who want "just a minute of your time" – at the worst possible times. And you may find that you'll enjoy that meeting/evening/event more fully without worrying that it will ring at an awkward moment or constantly checking for calls.
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Why Don't We Just Put Statin Drugs in the Drinking Water?
In Message #1575, I wrote an article criticizing Lipitor and the "less than honest" methods Big Pharma uses to promote cholesterol-lowering drugs. I described one of the ways these companies use to selectively report statistics to exaggerate the benefits and bury the risks.
I'm not surprised that they do this. Statins are the biggest-selling drugs in history. There are tens of billions of dollars at stake. But what does surprise me is that many otherwise intelligent medical professionals have bought the propaganda.
For example …
My article provoked one cardiologist to claim that I was using "cheap scare tactics" to dissuade people from taking statins. When he suggested "putting them in the drinking water" as a way to reduce the health care budget, my jaw hit the floor.
At the current cost of Lipitor, that would be a $407 billion annual experiment. And because statins are harmful to pregnant women, I expect the public would quickly react to the resulting increase in birth defects. Finally, since the manufacturers themselves say that statins have "not been shown to prevent heart disease or heart attacks," I'm not sure what benefit would be gained by having the entire population consume these drugs in uncontrolled amounts.
But the doctor did provide a more reasonable rebuttal to my article. In tomorrow's ETR, I'll respond to that part of his argument.
In the meantime, we want to hear from you. To read the cardiologist's e-mail to me – and/or to comment (pro or con) on the use and marketing of cholesterol-lowering drugs – please visit the ETR Speak Out forum.
-Jon Herring
Worth Quoting: A Tax Tip From Dave Barry
"Here's a tax saving opportunity few taxpayers take advantage of. Instead of simply writing your name, write your name plus the word DECEASED."
(Source: Dave Barry's Money Secrets)
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I Have Banked Over One Million Dollars Each Year For The Last 2 Years!
I wake up each day and can hardly believe it myself – and all because I decided to suspend my disbelief and try something new. I had nothing to lose by trying.
Insanity is, after all, doing the same thing day after day and expecting different results!
So. . . why not just copy me with absolutely no risk and in the comfort of your own home? Here’s how to start today:
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Word
to the Wise: Egregious
Something that is "egregious" (ih-GREE-jus) is conspicuously bad or offensive. The word is derived from the Latin "egregius" ("outstanding").
Example (as I used it today): "While I've never personally experienced such an egregious display of rudeness, I have noticed that most people have few to no manners when it comes to their mobile phones."
Michael
Masterson
Copyright ETR, LLC, 2006
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