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 Errold F. Moody Jr

       

FINANCIAL PLANNER

EXPERT WITNESS

INSTRUCTOR

AUTHOR           

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Miscellaneous

Financial Planning is NOT just a focus on investments- though that is how it is normally practiced. And while/if the market soars, that's all that many people think about- or like to think about.  But the problems of illiteracy, child abuse, divorce, etc. and, quite obviously, dying and death are the real factors to an understanding of  life and how we may make it better- or to just try and cope when something is wrong. The issues below represent some of the areas I have identified over the years that I feel are important to yourself, your family, friends, business, etc. I would also recommend my Directory in that it has listings to over 1,300 national agencies that can help you with various problems. Also check other headings- long term care, retirement, investments, etc. for specific links in those areas.                     

Sample Pages

No Nonsense Finance eBook

The list below includes all articles and specific links in alphabetical order with accompanying description. The listings in the column to the right are separate sections for articles and links

ADOPTION LINK brings you to a site that has information for adoption in each state.

AMERICAN ASSOCIATION OF RETIRED PERSONS (AARP) LINK: You don't have to agree with all their philosophies, just recognize that they have many invaluable resources you should review.

AMERICAN MEDICAL ASSOCIATION LINK: Information, articles on all types of diseases and medical problems.

ANOREXIA: What are the signs

ANXIETY DISORDERS LINK: The National Institute of Mental Health provides some valuable information on panic disorders, obsessive-compulsive, port traumatic stress, phobias and a lot more. Extremely valuable when a loved one has problems. See also Moody's Directory for over 1,300 listings to many of life's problems.

ATTENTION DISORDERS: What are the signs.

AUTO LEASING LINK: Most of the time, buying is better. But if you are going to lease, this site has a wealth of info to review- pricing comparisons, new laws, residual values, interest rates, etc.

AUTOMOBILE LINK:  This site has access to the Kelley Blue Book, classified on cars for sale, calculator for what you can afford, reliability ratings and more.

Also see Used Car Link below

BABY LINK: This site offers a wealth of information from on line support groups, medical advice, tips on baby supplies, nutrition, naming a baby, fertility and more. Just wish they could find a way to get rid of that awful smell.

BACKACHES: These cause a lot of physical and emotional pain. Here are some basic comments on what you should do. Why the comment? Because if you are disabled, you can't work, so you don't have enough money to pay me and I get very upset. Actually, staying physically and mentally active is the key to a long life, so I try to include any tips that may help.

BANK LENDING PRACTICES LINK:   FED Survey of approximately sixty large domestic banks and twenty-four U.S. branches and agencies of foreign banks.

BANK LOAN LINK: A good site on bank rates, types and sizes of mortgages and much more.

BARTERING: Bartering clubs nationally. While you are not paying for services in cash, remember they still are taxable events and have to be recorded as such.

BETTER BUSINESS BUREAU LINK:  This goes to the BBB but the reason for the inclusion is that it has a HUGE number of reports on all sorts of subject matter that you MUST look at. You must keep their page as a bookmark.

BIO-OPTIC ORGANIZED KNOWLEDGE DEVICE AND THE ERASABLE NIB CRYPTIC INTERCOMMUNICATION LANGUAGE SYLUS: Buy one today! Be the first in your neighborhood!

BRAIN LINK: Shows the brain with stroke, Alzheimers, brain tumors and more.

BUILDING LINK:  This site by a syndicated columnist provides all sorts of home improvement information so you can fix things so your wife and kids will be proud, your neighbors envious and all the rest of that stuff.

BUREAU OF LABOR LINK: Statistics on labor, market hours, earnings, productivity and on and on. Another great government site that might provide some great info for whatever ails you.

BUSINESS AND DISABILITIES LINK: The "National Business & Disability Council (NBDC) is the leading national corporate resource on all issues related to the successful employment and integration of individuals with disabilities into America's workforce."  A resource for corporations that are hiring, working with and marketing to people with disabilities. Information, seminars, more.

BUSINESS LINKS- See also Small Business and U.S. Business Advisor links below

BUSINESS TRANSFERS: Real life examples of business transfer and valuations problems. Minority and illiquidity discounts

CANCER: Don't want to die from cancer?? Well, it's mostly up to you, not your genes.

CAR GUIDE LINK: A good overview of important issues to consider when buying a car with links to other sites like AUTOWEB and CARSMART that help you buy a car by looking at dealerships nationally. Some may suggest that this is a bit esoteric, but I think not. Research on this item- as with any other- means better purchases overall and more money left in the kitty for the rest of your life.

CAREGUIDE LINK: The internet's "Most Comprehensive Child Care and Elder Care Resource".

CENSUS BUREAU LINK: Lots of information that is invaluable for research in many areas.

CENSUS DATA LINK: CensusScope is an easy-to-use tool for investigating U.S. demographic trends, brought to you by the Social Science Data Analysis Network (SSDAN) at the University of Michigan. Lots of info for age, race, population growth and much much more.

CENTER FOR DISEASE CONTROL AND PREVENTION LINK: This site has a wealth of information on what ails you. The CDC publishes pamphlets on adult immunization, health, nutrition, dental health, health resources utilization, contraception, etc.

CERTIFIED DOCTOR CHECKUP LINK: This American Board of Medical Specialties (ABMS) site provides a  Verification Service and a Search Service. "The Verification Service allows you to verify free of charge the board certification status of any physician certified by one or more of the 24 member boards of the ABMS. The Search Service allows you to search, by specialty and geographic (zip code) location, for a physician certified by a Member Board of the ABMS."

CHILD ABUSE: What you should do

CHILD ABUSE LINK 1 ; CHILD ABUSE LINK 2: Couldn't make up my mind as to which site was better, but since children are our future, I decided to put both in. Remember, if you see a child being abused, get involved and report the incident to the authorities. I get sick and tired of people complaining about an issue but do nothing to educate themselves or protect others.

CHILD CARE AGENCIES: Simple tips on how to check one out. Also click on CAREGUIDE LINK for additional information. Well worth it!

CHILD AND FAMILY STATISTICS LINK:  The Federal Interagency Forum on Child and Family Statistics provides access to federal and state statistics and reports on children and their families, including: population and family characteristics, economic security, health, behavior and social environment,and education.

CHILD and FAMILY SUPPORT LINK: Children are our future- though I personally can't stand them. Nonetheless, here is a link to the Administration for Children and Families that has some excellent info on many issues.

CHILDHOOD PROGRAMS LINK: This site provides a state by state search of accredited centers by the The National Academy of Early Childhood Programs who administers a national, voluntary, professionally sponsored accreditation system for all types of preschools, kindergartens, child care centers, and school-age child care programs. This list includes the names, address and contact information for all early childhood programs currently accredited by NAEYC.

CHILD SUICIDE: The American Academy of Child and Psychiatry notes these warning signs.

CHILD SUPPORT ENFORCEMENT LINK:  This goes to the site for the Federal Office of Child Support Enforcement.

CHRONIC FATIGUE SYNDROME: Basic warning signs. It really exists. I have had bouts of this in the past and it can really do a number on you.

CLIMATE PREDICTION CENTER LINK: Not quite as esoteric as you may think. If you are thinking of moving to or from any area of the U.S.- even the world- this information might help. Temperature and precipitation predictions, global data display system, National Drought Mitigation Center, National Climatic Data Center, more.

CLINICAL TRIALS LINK: This site- CenterWatch Clinical Trials Listing Service- is designed to be a resource both for patients interested in participating in clinical trials and for research professionals. A wealth of links and info on cardiology, oncology, neurology, pediatrics, AIDS, Alzheimers, Migraine Headaches and much, much more. Highly recommended.

CLINICAL TRIAL INFORMATION LINK:  Access to many sites on what is happening.

CODE OF FEDERAL REGULATION LINK: Information about the Federal Register, Privacy Act,  Public Laws, U.S. Congress Information, powerful search tools, online edition of the Weekly Compilation of Presidential Documents and more. A little esoteric in terms of finances, but the ability to get information may be valuable.

COMMERCE LINK: This is the site for the U.S. Department of Commerce with international trade and patent info, statistics and much more to keep you and your children occupied for hours.

CONGRESSIONAL E MAIL/WEB PAGE LINK: E Mail and Web Page Page addresses to literally every legislator in every state with other info about Congress, laws,  schedules and much more. Never let it be said again that you can't get a hold of your representative and tell them what you don't (or do) like. Good knowledge 

CONSUMERS LINK: A new government site crammed with info on health, food, product safety, money, transportation, children and more. The government may spend money frivolously elsewhere but their sites really show what they can do right.

CONSUMER CREDIT PROTECTION LINK:  Numerous articles from the FTC covering ways to save money, automatic debit scams, avoiding credit card and charge card fraud, home equity lines, mortgage refinancing, reverse mortgages and much more.

CONSUMER INFORMATION CENTER LINK: This "MUST" site for hundreds of various federal publications is presented by the U.S. General Services Administration's Consumer Information Center and is highly recommended.

CONSUMER LAW LINK: Extensive listings for all sorts of consumer problems. Includes tips on how to write an effective letter of complaint.

CONSUMER WORLD LINK: This site has information on over 1,700 consumer issues- Better Business Bureau, where to file company complaints, money issues and much, much more.

COPYRIGHT LINK:  This site- to the U.S. Copyright Office- might be a slightly esoteric link due to its limited scope in finances, but I might need it because of all the stuff I write.

CREDIT INFO LINK: This extensive site has all sorts of information about bankruptcies, credit reports, credit repair and is recommended. See below for what you may have to do if you have too many cards.

CREDIT PROBLEMS LINK 1: Debt Counselors of America is a non profit group that offers help on credit debt and repair.

CREDIT PROBLEMS LINK 2: This goes to the National Foundation for Consumer Credit. They won't repair your credit but can refer you to a local Consumer Credit Counseling Service.

CURRENCY CONVERTER LINK: If you are travelling overseas, you will find this invaluable in determining how far your money will travel. But it's most apropos with an understanding of foreign currency devaluations and/or dollar appreciation.You can see the after affects on foreign investments. The site offers lots of other interesting links as well.

DEBT PROBLEMS: A simple guide to see if you are having problems

DEMOGRAPHICS LINK: This site allows you to get a VAST amount of information on literally any zip code in the U.S. You can get great statistical info of all types and its applicability might be for homeowners/retirees who want critical information on a community where they may wish to move/retire. Pretty good stuff.

DEPARTMENT OF EDUCATION LINK: Information on grants, newsletters, list of all government programs, "Funding your Education in 1997/1998" and links to other statistics and sites. There is even an on line application to the Free Application for Federal Student Aid (FAFSA) Link   and here is the US Department of Education 1997- 1998 Student Guide to Financial Aid Link

DEPARTMENT OF LABOR LINK:  The United States Department of Labor offers information on minimum wage, pensions, family and medical leave act as well as the ERISA regulations and all sorts of other goodies.

DIABETES: Half the people who have diabetes don't know it. Here is a short quiz to check your risk along with other commentary.

DIET ANALYZER LINK: You enter the food you eat during the day and it provides a complete nutritional review based on the Recommended Daily Allowances. So what is this doing in a Financial Planning page? Because the number of Americans that are overweight is escalating and it will only cause more and more medical hardships (financial and retirement planning) and early death (estate planning).

DISABLED STATISTICS: Do you have any idea of the percentage of Americans that are disabled. You'll be surprised.

DISABLED PERSON'S INTERNATIONAL LINK: Information on all types of disabilities with links all over the world.

DISABILITY LINK 1: This is the site for the National Organization on Disability that provides info on all aspect of helping the disabled lead productive lives. Also has great national and international programs for the disabled.

DISABILITY LINK: Extensive government site covering Children and Youth, Choice and Self-Determination, Civil Rights and Protections ,College and Adult Education, Disability Statistics, Emergency Preparedness, Employment, Health, Housing, Income, Support ,Recreation and Travel, Self-Employment, Tax Credits and Deductions, Technology ,Transportation and more

DISEASE RISK LINK:  you can find out your risk of four other important diseases (CANCER, DIABETES, HEART, STROKE) and get personalized tips for preventing them.

DIVORCE: Basic issues you need to consider when divorcing or for a new marriage

DIVORCE LINK:  Direct link to extensive commentary on all areas of divorce and includes chat room, state resource directory and much more.

DEATH AND DYING: Extensive commentary on all issues of dying , including Compassion for Dying, Euthanasia, more

DEPRESSION: The World Health Organization has identified Clinical Depression as the fourth leading cause of premature death and disability- and moving up to number 2 by 2005. Don't pass this off as just having a bad week. Understand the problem and get treated. See also suicide direct link below.

DEPRESSION 2 The site for the National Depressive and Manic Depressive Association that provides information and resources for the problem of depression. Highly Recommended

DMV LOCATOR LINK: Click on any state and find a location

DOCTOR BACKGROUND CHECK LINK:  In the states of AZ, CA, MA, NC and TX, you can check the background of your doctor for any past records. More states to follow.

See also Certified Doctor Checkup link above

DRINKING: Some do's and don't for the families of alcoholics.

DRUGS, DRINKING, DISEASES LINK: Information on many problems that might affect you or a loved one.  

DRUG LINK 2: The site by the National Clearinghouse for Alcohol and Drug Information . A huge resource of info, referrals, research, statistics, publications and much, much more.

DRUG LINK 3: A completely independent site providing info on psychiatric drugs.

EDUCATIONAL EXCELLENCE LINK:  The site offers hundreds of  Internet-based education resources supported by agencies across the U.S. Federal government easier to find.

ELDERLY ABUSE: A lot more common then you expect and it will get worse as there are more and more elderly.

ELDERLY ABUSE LINK:  Much of the abuse is caused by family members. Here is the page for the National Center of Elder Abuse that takes the subject even further.

EMOTIONAL ABUSE LINK: Emotional abuse of children can lead, in adulthood, to addiction, rage, a severely damaged sense of self and an inability to truly bond with others. (Andrew Vachss)

ETHNICITY:  The U.S. is changing its population breakdown.

EXERCISE: Want to live longer, healthier and smarter?

EXPORTS: The U.S. is having big problems with our declining exports. WRONG!

FAT: The U.S. is getting fatter every day. Put down that remote!!

FDIC HOME PAGE LINK: Great info on money. Send me some.

FEDERAL BUDGET LINK Everything you wanted to know (or maybe didn't) about the Federal Budget including a citizen's guide, documents, charts and more. Read this and impress your dog.

FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) LINK: Home page for all sorts of information on the services by this agency, including flood certification forms.

FEDERAL RESERVE ACT LINK: "An Act To provide for the establishment of Federal reserve banks, to furnish an elastic currency, to afford means of rediscounting commercial paper, to establish a more effective supervision of banking in the United States, and for other purposes."

FEDERAL RESERVE BOARDS LINK: Direct link to some of the most comprehensive pages on money. Further, if you are attempting to understand money and investments, the material offered by the various boards is absolutely essential. I'll repeat- absolutely essential for anyone dealing with investments. It's almost like the HP12C page. If an adviser is not using this "stuff", then they probably do not understand money and there is no sense in working with them. Note that I am not stating that someone viewing the data will make a correct interpretation of the statistics and know the absolute direction of the market. Just that they need the info in order to make rational decisions.

FEDERAL TRADE COMMISSION LINK:  Has some good educational material on telemarketing scams, viatical settlements, links to other governmental sites.

FEDERAL WEB LOCATOR LINK: is a service provided by the Villanova Center for Information Law and Policy and is a "one stop shopping point" for federal government information on the World Wide Web. It has all the sites you would normally expect- IRS, Congressional sites, National Park Service, etc.- but what makes it stand out are the others services that might be almost impossible to locate- rural utilities service, American battle monument commission, Well worth the look.

FEDWORLD LINK:  is a huge database of government documents and information of any and all types. Highly recommended.

FITNESS LINK: The site does not provide fitness information per se. But it links to hundreds of other WEB sites where you can get information on all types of sports, nutrition, equipment and much more. Why is it relevant to financial planning? Most planners focus on the money. But if you are not healthy to enjoy it, you may have wasted your life's efforts. And as one who has been running for 33 years, I can tell you that there is NO amount of money that I would have traded for the level of health and physical ability I still have at age 54. So maybe this site will provide you the necessary impetus to get on a physical regimen- or help you with the ones you currently enjoy. You may not live longer- but you will live better.

FOMC: Basic comments on the Federal Open Market Committee

FRAUD LINK: This is a consumer page by the National Consumer League that's called the National Fraud Information center.

FREE ADVICE LINK:  Lots of legal descriptions and info on all areas of securities, real estate, bankruptcy, insurance, family law and much more. The focus is to get a referral to an attorney, but the site's knowledge on a wide range of subjects is definitely worthwhile.

FREEDOM OF INFORMATION ACT LINK: The site by the The Reporters Committee for Freedom of the Press provides a form to help you create a simple FOI letter. It asks you for all pertinent information, guides you through the options available, and even lists a number of federal agencies and their addresses.

FUNERALS: Extensive commentary on all types of funerals, regulations, costs and organizations

FUNERALS LINK: Excellent source of additional information on all the areas affecting the death of a loved one- grief , living wills, body donations, etc. Highly recommended.

GAMBLING: Do you have a problem with gambling? Here is a short questionnaire from GAMBLERS ANONYMOUS LINK to see if you have a problem. If so, get treated. I simply cannot allow you to spend my adviser's fees on some dumb game.

GEMSTONES LINK:  Info on Burma ruby and sapphire, Colombian emerald, Burma spinel, tsavorite, Mandarin orange garnet, collector gems and fancy colored diamonds. I don't use nor recommend these as investments but this is possibly a good place to get more knowledge on value, grading, etc.

GLOBAL SURGERY LINK: Go outside the U.S. for your surgery. Much cheaper. Quality of care is the concern. But here is a site you might find interesting.

GOVERNMENT GATEWAYS LINK: Once again the government puts out great sites loaded with info. Use this as your starting point.

GRIEVING: What you can do to help someone who has lost a loved one.

GRIEVING LINK: Direct access to a major "collection of resources of value to those experiencing loss and grief." Highly recommended

GROWING UP: Seek your potential

HEALTH CARE: Articles and Commentary

HEALTH LINK:  Articles and info on choosing a hospital, statistics on organ transplants, cesarean section reports and more. Worth looking at.

HEALTHFINDER LINK:  This government site that helps you find literally all sorts of information on health issues- aids, substance abuse, depression etc. and includes access to national libraries, medical journals. Highly recommended.

HEALTH MAINTENANCE ORGANIZATIONS (HMO):  Here are statistics on the percentage that California HMO's spent on medical care for premium dollar received and other articles and commentary. Also see  the Managed Care material and questionnaire below.

HEALTH RISK LINK: Fill out this online form with 38 questions and it gives you an instant reply on your health condition, things you can do to improve, statistical probability of dying and more. Worthwhile to check out and use.

HEART DISEASE:  Information and statistics. Remember- most heart disease is preventable.

HIGHWAY SAFETY LINK:  "The Insurance Institute for Highway Safety is dedicated to reducing highway crash deaths, injuries, and property damage losses." Info on crashworthiness, airbags, state laws, fatality facts and more.

HIV LINK: This extensive site provides state by state rules and regulations, discussion of medical issues, prevention, social issues and much more. While the spread of AIDS in the U.S. has diminished somewhat, it is in the sub-Sahara Africa and other third world countries where this is reaching epidemic proportions. Unfortunately like other diseases that might kill in a relatively short period of time, AID's can take years to develop and the emotional and financial tolls are far greater.

HOSPITAL LINK: US News review 6,247 by specialty and area

HOSPITAL REPORT CARD LINK: How does your hospital stack up for various procedures. This national "report card" might give you the valuable info you need in order to select a facility.

ILLITERACY: The greatest gift anyone can bestow is the ability to read and understand. The power of the written word can do more to shape an individual or nation than any weapon. Unfortunately, a great number of people in the world, including the United States, do not have the ability to read. What is at least as bad, and that I see quite frequently, are those that can read but DON'T. The TV, and now the computer, have limited our interest in reading and will foster untold inequities in our daily lives and economic system.

INJURY PREVENTION LINK: The National Center for Injury Prevention and Control (NCIPC) works to reduce morbidity, disability, mortality, and costs associated with injuries.

IRS EXAMINATION LINK: An independent site that reviews the IRS's enforcement activities, offers maps, graphs and more than 35,000 tables

IRS TAX LINK:  Get's you directly to the forms you might need. You can get to their other sites from there.

JOB ACCOMMODATION NETWORK LINK: A slightly esoteric link but perhaps a vital one to businesses involved with disabled workers. JAN is "not a job placement service, but an international toll-free consulting service that provides information about job accommodations and the employability of people with disabilities. JAN also provides information regarding the Americans with Disabilities Act (ADA)"

KNOWLEDGE LINK:  Lots of valid health information.

LAW ANSWERS LINK: This private site provides over 4,000 questions and answers in its database and indicates that you can ask other questions that an expert will answer.

LAWNCARE LINK: Good info in all about keeping your yard in good shape. So why have I put this site on my list (or many others you may ask)? Because if you are taking care of your lawn, you may be taking care of yourself. Couple this with an active mind and it may mean you will live longer and, particularly, healthier. That's what I want my clients to focus on.

LAWYERS LINK: This brings you to a page for links to the State and National bar associations. 

LAWYERS MAGAZINE LINK: Though somewhat esoteric regarding finances per se, I have seen articles in the Lawyers Weekly regarding social security and other similar commentary that some might find useful

LEGAL CONSUMER LINK: "The National Consumer Law Center is a nonprofit corporation founded over 25 years ago at Boston College School of Law. Includes info on such things as credit reports, telemarketing scams and avoiding second-mortgage frauds."

LEGAL DOCUMENT LINK: Here is a wealth of free legal documents and detailed articles of all types covering estates, money, immigration, auto, business and much, much more. I do not suggest you use these without additional review, but they should give you a great start on what to watch out for, include, etc. Highly recommended

LEGISLATIVE LINK: This site provides all the new and proposed legislation. Also includes historical documents, information on how laws are made and much more.

LIBRARY OF CONGRESS LINK: The most important element to life (outside of basic good health) is to be able to read and write intelligently. Once that ability is had, one can increase one's knowledge base enormously and live a more productive life. READ!!!!!

LIBRARY LINK:  Since almost everything I know is from extensive and intensive reading, I have a love affair with books (though not really developed till I was in my late 20's). In any case, this site focuses on an advocacy for public access to information; developing innovative programs; supporting libraries, etc. And their commentary is true- since only one in eight households has a computer, the disparities between the haves and have nots will grow larger unless society can provide the avenues for learning- and libraries have the computers to help young minds  grow faster. Has also picked the best internet sites for children.

LIFE EXPECTANCY 2000 RANKING LINK : (WHO) The top ten were Japan, at 74.5 years; Australia, 73.2 years; France, 73.1; Sweden, 73.0; Spain, 72.8; Italy, 72.7; Greece, 72.5; Switzerland, 72.5; Monaco, 72.4; and Andorra, 72.3. The U.S. was 24th at 70 years- a pretty poor showing given all our "wealth". Why is that? In the United States, some groups, such as Native Americans, rural African Americans and the inner city poor, have extremely poor health, more characteristic of a poor developing country rather than a rich industrialized one.

LITERACY SOURCES LINK:Direct link to some excellent commentary, statistics and resources. See also National Adult Literacy Survey below

LONELINESS: This will have a significant impact on the health and lifetime of the elderly- mostly men.

MANAGED CARE: The best questionnaire I have seen so far on what you should ask. Paraphrased from Kate Kincaid, California Broker.  

MANAGED CARE LINK:  Tons of insightful articles and statistics on managed care. But I would still recommend the questionnaire by Kate Kincaid for more in depth review.

MEDICAL CONSULT LINK: There are times when you may wish a specialist's opinion on a condition but are are unable or unwilling to visit a doctor since the visit and the subsequent advice could be detrimental if included on reports that an insurance company may later get and base coverage upon. This site supposedly has at least 30 specialists that will review a patient's medical information and provide confidential consultations for $195. While I try to use only sites that are free, this may have value. But like with all other internet sites, proceed with caution.

MEDICAL DICTIONARY LINK: Thousands of definitions and links for whatever ails you.

MEDICAL LINK: Dr. C. Everett Koop, past U.S. Surgeon General has a site that lists all sorts of medical issues form allergies to travel health, recent medical news and more. Certainly I have other sites that contain similar material and info, but I have always felt he was a driving force to get people to engage in better health activities.

MEDICAL MALPRACTICE LINK: Information About Physicians Including Education, Training, Specialty, Malpractice and Disciplinary Proceedings.

MEDICAL TEXTBOOK LINK An online medical textbook that some call "one of the best online medical resources available. Their first textbook is Emergency Medicine, 8,000 pages written by 400 doctors in various specialties focused on what doctors on medicine's front lines see most.

MEDICARE AND MEDICAID LINK: This site is administrated by the HCFA- Health Care Financing Administration- and lets consumers and professionals retrieve information about literally every aspect of these two explosive issues. Highly recommended.

MEDLINE LINK1:  The "most comprehensive and widely consulted medical reference in the world."

MEDLINE LINK 2: This is the site for the National Library of Medicine's MEDLINE. Between the two links, you should be able to find info on just about any medical problem.

M-1,2,3: Basic definitions on money supply

MEN AND LIVING LONGER: Do you know why some men live longer??? Great insight from Gail Sheehy. Further, if you are old, expect on getting old or even just know someone that is old, you should read her books and articles. Very good info.

MENTAL HEALTH LAW LINK:  The site promotes legal advocacy for the civil rights and human dignity of people with mental disabilities.

MENTAL HEALTH NET LINK: Access to information on all types of problems with over 6,200 mental health resources. Extremely comprehensive. Perhaps it can help you or a loved one.  

MIT FREE COURSE LINK:  You cannot get a degree this way but you can effectively get the same content.

MONEY PRIMER: Commentary on the movement of money and interest rates. The economists keep changing their mind about what works and why, but this is good food for thought.

MOODY'S DIRECTORY: Information on over 1,300 organizations nationally that may help you with all sorts of personal and family problems.  

MOVING COSTS LINK: You can get an estimate of how much a house move might cost.

MOVING  SALARY ADJUSTMENT LINK: This is linked to the "Homefair" site as that above. This page shows how much you should make in one area of the U.S. (or even within a state) versus another area  based on the different wage/CPI adjustments.

NATIONAL ADULT LITERACY SURVEY:  I took the summary of their 1992 survey of literacy and the subsequent commentary about the literacy of the elderly and focused on an individual's ability to make rational judgments in investing. You should find it interesting reading if not for yourself, then for your parents and grandparents.

NATIONAL CENTER FOR HEALTH STATISTICS LINK: This is part of the CDC (Center for Disease Control) but I have separated it out due to the vast amount of numbers that one can use for lifetime expectancies, what people die from and a host of other valuable statistics for retirement, estate planning and more.

NATIONAL COMMITTEE FOR QUALITY ASSURANCE LINK: Direct link to the NCQA- the independent organization responsible for the report cards on many HMO's. Excellent additional information and highly recommended.

NATIONAL LIBRARY OF MEDICINE LINK: "Every significant program of the Library is represented, from medical history to biotechnology." Although other links cover medicine a well, this is an exceptionally comprehensive site that allows you "second opinions" on literally every medical issue that exists.

NELLIE MAE LINK: Along with Sallie Mae below, they are one of the largest providers of college loans. They also provide vast college information of all types. Check them both out.

NEW ENGLAND JOURNAL OF MEDICINE LINK: Sure, some of this material is covered in other areas or links, but this direct site- like the American Medical Association- offers new insights that might help you or your family.

OBESITY LINK:  103 ARTICLES

OBESITY LINK:  My software does not like the code. But obesity is a major problem so here it is : http://www.mib.com/kd/html/Obesity%20Special%20Focus.htm

OFFICE OF THE COMPTROLLER OF THE CURRENCY LINK: The OCC "charters, regulates, and supervises national banks to ensure a safe, sound and competitive national banking system that supports the citizens, communities and economy of the United States." Statistics, articles for the consumer regarding investments and more.

OPERATION COSTS LINK: An interesting site that gives you the cost for certain medical procedures- birth of a baby, hip replacement, broken leg, heart bypass, more.

OVERSEAS TRAVEL: See State Department Link

PAIN: What should you do about it?

PANIC ATTACKS: Very debilitating problem and here is a little insight. Do you know what might be the best treatment???

PARENT LINK:  Advice for all with children of any age- or about to be parents. Subject matters include teenagers, divorce, adoption, curfews, single parenthood and much more. If you are a breeder, you'll like this page.

PERSONALITY TEST LINK:    Want to get a decent idea of what type of personality you or a loved one is? Take these short tests by Dr. David Keirsey- they seem to be fairly reliable. Why is this here? The more you know about yourself (and a loved one), the better off you can plan for today and tomorrow.

PETS: Short commentary about the death of a pet and what you might do to feel better. Wish I had done it.

PET LINKS: Pets have a wonderful ability to keep people happy and healthy. They have been shown to keep the elderly alive longer. Here is another site for the AMERICAN VETERINARY MEDICAL ASSOCIATION LINK and the site for the AMERICAN ANIMAL HOSPITAL ASSOCIATION LINK.

PET LINK:  Early detection, home health screening kit for dogs and cats. This innovative urinalysis kit helps pet owners get medical attention at an early stage -- when treatment is often most effective, simpler and least expensive

PET INSURANCE LINK: Here are three different insurance plans offered online by Premier Pet Insurance. People have far more pets than before and are taking far more measures to keep them alive and healthy. Therefore insurance may be viable.

POPULATION GROWTH LINK: There are over 6 billion human beings on Earth (you are probably one of them). Every second five people are born and two people die, a net gain of three people. The site has interesting statistics and even allows you to determine how many people were living when you were born.

PRECIOUS METAL LINK: This is a calculator link where you enter the weight of gold, silver, platinum, palladium or rhodium and it will give you the the current value in all types of currency.

PRESCRIPTIONS INFORMATION ONLINE LINK:  Find information about more than 7,000 prescription and over-the-counter medications, including common uses of a drug, the proper ways to use the medicine, possible side effects. more.

PRODUCT SAFETY LINK: This is the page for the U.S. Consumer Product Safety Commission and, among other issues, keeps tabs on product recalls.

PROPERTY INSURANCE: Code upgrades, use of Public Adjuster, more

PROSTATE CANCER: Simple questionnaire to see if you have problems. There are a lot more men diagnosed with prostate cancer than there are with women and breast cancer and end up with greater problems. Why? Because men don't like going to the doctor and admitting they have a problem down there. But being dead really sucks so review the list.

PSYCHOLOGY TESTS LINK:  Covers everything with Relationships, Intelligence, Career, Emotional Health and more. You may not like the answers but it is necessary to do these every so often to see if you are ahead or behind a curve- and whether you should be.

PUBLIC INFORMATION LINK: This site is a search engine of public records of foreclosures, stock ownership, law suits and judgments, corporate records and much more across almost all states for free and for a fee. It might be very useful when you need to find out needed- but normally difficult to obtain- information about an individual or company.

REHABILITATION: Here is an article by Sherry Crerie, P.T. on whether a physical, occupational or speech therapist may be needed

SALLIE MAE LINK: You may not be familiar with the name, but they are the largest providers of loans for college students. This site contains innumerable information and has a free Online Scholarship Service that gives consumers access to a database of scholarships, fellowships and workstudy programs from the College Aid Sources for Higher Education. Also see college listings above.

SAVINGS: Is the U.S. savings rate too low?

SCHOOL MATCH LINK: School Match has organized comparative information to help families a home buyers select those school districts which most closely match their interests.

SECURITIES REGULATORS LINK: This provides information to each states' department that controls securities regulation.

SENIOR DRIVERS: Many children are concerned about the ability of their parents to continue to drive once they get old. Here are some issues to address

BILL SHARPE LINK: He won a Nobel award for his work on economics/securities analysis. Great statistical info as well as commentary. If you don't know at least about his work, standard deviation and the Sharpe Ratio, you will never do investments correctly. There's a lovely picture of him as well.

SLEEP

SMALL BUSINESS ADMINISTRATION LINK:  This U.S. site provides a plethora (you may want to look that up) of information for starting, financing and expanding your business, finding local resources and much, much more.

SMALL BUSINESS ADVISOR LINK: The independent site has lots of info to help the small business from financing to marketing, a monthly newsletter and more.

SMALL BUSINESS INFO LINK:  SCORE, "Counselor's to America's Small Businesses" now has an Email service where you can get answers to all sorts of questions about starting/expanding your business no matter where you live. These are experienced members that can provide all sorts of insight at no cost. Page also has links to many other business related sites. If you are starting a small business, use this.

SMALL BUSINESS TAX REVIEW LINK: This has continually updated information on tax laws affecting the small business- depreciation, S corporations, maximizing pension contributions, casualty losses, etc

SOCIAL SECURITY: Do you know how many workers it takes to finance a social security recipient? International info as well.

SOCIAL SECURITY DEATH INDEX LINK:  This site allows you to see if a loved one you may have lost track of has died. Can, obviously, also be used to check out the date of a person's death so you can send cards, make a phone call, etc. 

SOCIAL SECURITY LINK: This is the site for the Social Security Administration and provides solid info on an everchanging topic. Links to Medicare and more

SPENDING PERSONALITY ASSESSMENT LINK: This site say that all spending mistakes fall into one of only seven subconscious patterns . It has short on line tests that determine where you fit in the hierarchy of spending and what you might need to do to correct imbalances.

STATE DEPARTMENT LINK: This excellent site has passport and visa info, international adoptions, overseas travel advisories, travel health and a lot more. If you intend on going overseas, you must review this site

STATE ECONOMY LINK: Click on the individual state and find a vast array of economic numbers from the Bureau of Labor Statistics.  

STATE HEALTH WEBSITE LINK:  A wealth of information that varies from state to state but can include health warnings, legislation, services, organizations, health planning, records and much more. Not only valuable for yourself, but for contacting those agencies in other states where you elderly parents may reside.

STATE AND COUNTY QUICK FACTS LINK: provides frequently requested Census Bureau information at the national, state and county level. For example, the U.S. contains 3,536,278 square miles. It had 77.1 persons per square mile, 1999

STATISTICAL INFORMATION LINK: Another government site that provides an unbelievable amount of statistics on crime, education, health, economics (output, income employment, CPI, PPI, more) and a host of other numbers for personal or business use. Being able to quote numbers on the Domestic Airline Revenue Passenger Miles from quarter to quarter should unquestionably increase your status at parties and bar mitzvahs (but please do NOT invite me).

STRESS: Some simple guidelines for review. Hurry up and click it for Chris' Sake!

STRESS REDUCTION LINK: Stress kills- as if you didn't know that. Researchers say that brokers at the New York Stock Exchange experience a 60% greater chance of a heart attack. This site provides all types of information to reduce stress, ability to ask a psychologist a question and more.

SUICIDE/ EUTHANASIA: Commentary including Final Exit, Kervorkian, more

SUICIDE LINK: Direct link to extensive information on suicide- the major cause of which is depression.

SUICIDE PREVENTION LINK:

SURGERY LINK:  "A multimedia database of operative procedures designed to educate the average individual about their surgery. This site will explain the most commonly performed surgeries, using simple diagrams and cutting edge  animations"

TELEMARKETING FRAUD LINK: Admittedly if you are viewing this page you are "smarter than the average bear" and the odds of your losing money to scam artists is probably low. But many people- particularly the elderly- lose millions each year to con men and women over the phone. Maybe you can print out some of the FTC's material and give it to your mother, grandfather, etc.

TELEPHONE RATE LINK 1: This is a consumer site that lets you independently analyze your phone bill to see which service might be the best. Sure beats those annoying ads and calls telling you that they have "something better and cheaper". It's definitely worth a "look see".

THYROID: General comments to see if you might have thyroid problems

TOO THIN: Are you too thin?  A short formula to figure it out.

TOP HOSPITAL LINK: A U.S. News feature that lets you put in your ailment and then provides the best rated hospitals for the procedure

TRAFFIC SAFETY LINK: This site is The National Traffic Safety Administration and has databases on vehicle defects and car customer complaints

TRAVELLING LINK: Many retirees travel the United States (as well as other countries) and this site has information on innumerable cities internationally. Might make your trip a little easier. See also State Department above

UGMA: Putting money away into Uniform Gifts to Minors or UTMA (Uniform Trusts to Minors) may be exactly the wrong thing you want to do- especially if you are saving for college.

U.S. BUSINESS ADVISOR LINK: Another government site designed "to provide business with one stop access to the federal government's information, services and transactions". Has statistics on exports, OSHA, postal services, federal jobs and more.

US CHAMBER OF COMMERCE LINK: America's principal advocate for the American business community.

U.S. MORBIDITY AND MORTALITY UPDATE LINK: Notifiable Diseases and Reported Deaths . Great for parties- impress your dog.

USED CAR LINK: A very descriptive site with information to help purchasers of used cars- Reasons to buy a used car; selecting and budgeting; warranties; where, when, how; inspections; maintenance and repairs and more. Looks like it could be very helpful.

U.S. GEOLOGICAL SURVEY LINK:  The site provides info on how to minimize loss of life and property from natural disasters, more.

VETERINARY MEDICINE LINK: Veterinary medical information and services.

VICTIM LINK: Have you been the victim of a crime? This is the home page for the non profit National Victim Center and its info might help you.

VITAMINS: Lots of new research relate the major benefits of taking various vitamins as you get older. I have done so for over 30 years and personally think it is one of the least expensive ways to maintain a modicum of health

WAIST/HIP RATIO LINK: Women with waist-to-hip ratios of more than 0.8 or men with waist-to-hip ratios of more than 1.0 are "apples." They are at increased health risk because of their fat distribution.

WELFARE LINK:Not normally an issue for financial planning, it is nonetheless an economic problem that requires review by us all. This goes directly to a page for state welfare agencies.

WIDOWNET LINK:  A support page for all the issues effecting someone recently widowed. Highly recommended 

WORLD ENERGY LINK:  From British Petroleum

WORLD FACTBOOK LINK: A CIA government site and this one is jammed packed with all sorts of worldwide information of all types- population, infrastructure, GDP's. Essential for looking at foreign economies.

Consumer links


ARTICLES

ANOREXIA

ATTENTION DISORDERS

BACKACHES

BARTERING

BUSINESS TRANSFERS

CANCER

CHILD ABUSE

CHILD CARE AGENCIES

CHILD SUICIDE

CHRONIC FATIGUE SYNDROME

DEBT PROBLEMS

DIABETES

DISABLED STATISTICS

DIVORCE

DEATH AND DYING

DEPRESSION

DRINKING

ELDERLY ABUSE

ETHNICITY

EXERCISE

EXPORTS

FAT

FOMC

FUNERALS

GAMBLING

GRIEVING

GROWING UP

HEALTH CARE

HEALTH MAINTENANCE ORGANIZATIONS

HEART DISEASE

ILLITERACY

LONELINESS

MANAGED CARE

M-1,2,3

MEN AND LIVING LONGER

MONEY PRIMER

MOODY'S DIRECTORY

NATIONAL ADULT LITERACY SURVEY

OBESITY- SEE FAT

PAIN

PANIC ATTACKS

PETS

PROPERTY INSURANCE

PROSTATE CANCER

REHABILITATION

SAVINGS

SENIOR DRIVERS

SOCIAL SECURITY

STRESS

SUICIDE/ EUTHANASIA

THYROID

TOO THIN

UGMA

VITAMINS

LINKS

ADOPTION

AMERICAN ASSOCIATION OF RETIRED PERSONS (AARP)

AMERICAN MEDICAL ASSOCIATION

ANXIETY DISORDERS

AUTO LEASING

AUTOMOBILE

BABY

BANK LENDING PRACTICES

BANK LOAN

BETTER BUSINESS BUREAU

BRAIN

BUILDING

BUREAU OF LABOR

BUSINESS AND DISABILITIES

CAR GUIDE

CAREGUIDE

CENSUS BUREAU

CENSUS DATA

CENTER FOR DISEASE CONTROL AND PREVENTION

CERTIFIED DOCTOR CHECKUP

CHILD ABUSE 1

CHILD ABUSE  2

CHILD AND FAMILY STATISTICS

CHILD and FAMILY SUPPORT

CHILDHOOD PROGRAMS

CHILD SUPPORT ENFORCEMENT

CLIMATE PREDICTION CENTER

CLINICAL TRIALS

CLINICAL TRIAL INFORMATION

CODE OF FEDERAL REGULATION

COMMERCE

CONGRESSIONAL E MAIL/WEB PAGE

CONSUMERS

CONSUMER CREDIT PROTECTION

CONSUMER INFORMATION CENTER

CONSUMER LAW

CONSUMER WORLD

COPYRIGHT .

CREDIT INFO

CREDIT PROBLEMS 1 

CREDIT PROBLEMS 2

CURRENCY CONVERTER

DEMOGRAPHICS

DEPARTMENT OF EDUCATION

DEPARTMENT OF LABOR

DIET ANALYZER

DISABLED PERSON'S INTERNATIONAL

DISABILITY 1

DISABILITY 2

DISEASE RISK  

DIVORCE

DEPRESSION

DEPRESSION 2 

DMV LOCATOR

DOCTOR BACKGROUND CHECK

DRUGS, DRINKING, DISEASES  

DRUG 2

DRUG 3

EDUCATIONAL EXCELLENCE

ELDERLY ABUSE

EMOTIONAL ABUSE

FDIC HOME PAGE

FEDERAL BUDGET

FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA)

FEDERAL RESERVE ACT

FEDERAL RESERVE BOARDS

FEDERAL TRADE COMMISSION

FEDERAL WEB LOCATOR

FEDWORLD

FITNESS

FRAUD

FREE ADVICE

FREEDOM OF INFORMATION ACT

FUNERALS

GEMSTONES

GLOBAL SURGERY

GOVERNMENT GATEWAYS

GRIEVING

HEALTH

HEALTHFINDER

HEALTH RISK

HIGHWAY SAFETY

HIV

HOSPITAL

HOSPITAL REPORT CARD

INJURY PREVENTION

IRS EXAMINATION

IRS TAX

JOB ACCOMMODATION NETWORK

KNOWLEDGE

LAW ANSWERS

LAWNCARE

LAWYERS

LAWYERS MAGAZINE

LEGAL CONSUMER

LEGAL DOCUMENT

LEGISLATIVE

LIBRARY OF CONGRESS

LIBRARY

LIFE EXPECTANCY 2000 RANKING

LITERACY SOURCES

MANAGED CARE

MEDICAL CONSULT

MEDICAL DICTIONARY

MEDICAL

MEDICAL MALPRACTICE

MEDICAL TEXTBOOK

MEDICARE AND MEDICAID

MEDLINE 1

MEDLINE 2

MENTAL HEALTH LAW

MENTAL HEALTH NET

MIT FREE COURSE

MOVING COSTS

MOVING  SALARY ADJUSTMENT

NATIONAL CENTER FOR HEALTH STATISTICS

NATIONAL COMMITTEE FOR QUALITY ASSURANCE

NATIONAL LIBRARY OF MEDICINE

NELLIE MAE

NEW ENGLAND JOURNAL OF MEDICINE

OBESITY

OFFICE OF THE COMPTROLLER OF THE CURRENCY

OPERATION COSTS

PARENT

PERSONALITY TEST

PETS

PET INSURANCE 1

PET INSURANCE 2

POPULATION GROWTH

PRECIOUS METAL

PRESCRIPTIONS INFORMATION

PRODUCT SAFETY

PSYCHOLOGY TESTS

PUBLIC INFORMATION

SALLIE MAE

SCHOOL MATCH

SECURITIES REGULATORS

BILL SHARPE

SMALL BUSINESS ADMINISTRATION

SMALL BUSINESS ADVISOR

SMALL BUSINESS INFO

SMALL BUSINESS TAX REVIEW

SOCIAL SECURITY DEATH INDEX  

SOCIAL SECURITY

SPENDING PERSONALITY ASSESSMENT

STATE DEPARTMENT

STATE ECONOMY

STATE HEALTH WEBSITE

STATE AND COUNTY QUICK FACTS

STATISTICAL INFORMATION

STRESS REDUCTION

SUICIDE

SUICIDE PREVENTION

SURGERY

TELEMARKETING FRAUD

TELEPHONE RATE

TOP HOSPITAL

TRAFFIC SAFETY

TRAVELLING

U.S. BUSINESS ADVISOR

US CHAMBER OF COMMERCE

USED CAR

U.S. GEOLOGICAL SURVEY

U.S. MORBIDITY AND MORTALITY UPDATE

VETERINARY MEDICINE

VICTIM

WAIST/HIP RATIO

WELFARE

WIDOWNET

WORLD ENERGY

WORLD FACTBOOK

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