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.
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
LINK brings you to a site that has information for adoption in
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.
MEDICAL ASSOCIATION LINK: Information, articles on all types of
diseases and medical problems.
ANOREXIA: What are
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.
DISORDERS: What are the signs.
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.
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
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
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.
LENDING PRACTICES LINK: FED Survey of approximately sixty
large domestic banks and twenty-four U.S. branches and agencies of
BANK LOAN LINK: A
good site on bank rates, types and sizes of mortgages and much more.
clubs nationally. While you are not paying for services in cash,
remember they still are taxable events and have to be recorded as such.
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
KNOWLEDGE DEVICE AND THE ERASABLE NIB CRYPTIC INTERCOMMUNICATION
LANGUAGE SYLUS: Buy one today! Be the first in your neighborhood!
LINK: Shows the brain with stroke, Alzheimers, brain tumors and
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.
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
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.
LINK: The internet's "Most Comprehensive Child Care and Elder Care
LINK: Lots of information that is invaluable for research in many
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,
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
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!
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.
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.
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.
SUPPORT ENFORCEMENT LINK: This goes to the site for the
Federal Office of Child Support Enforcement.
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.
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.
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.
TRIAL INFORMATION LINK: Access to many sites on what is
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.
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
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.
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.
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.
LAW LINK: Extensive listings for all sorts of consumer problems.
Includes tips on how to write an effective letter of complaint.
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.
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.
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.
LINK 1: Debt Counselors of America is a non profit group that
offers help on credit debt and repair.
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.
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
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.
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.
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.
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.
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
RISK LINK: you can find out your risk of four other
important diseases (CANCER, DIABETES, HEART, STROKE) and get
personalized tips for preventing them.
issues you need to consider when divorcing or for a new marriage
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
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
DEPRESSION 2 The
site for the National Depressive and Manic Depressive Association that
provides information and resources for the problem of depression.
LOCATOR LINK: Click on any state and find a location
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.
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.
LINK 3: A completely independent site providing info on psychiatric
EXCELLENCE LINK: The site offers hundreds of
Internet-based education resources supported by agencies across
the U.S. Federal government easier to find.
ABUSE: A lot more common then you expect and it will get worse as
there are more and more 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.
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)
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.
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.
MANAGEMENT AGENCY (FEMA) LINK: Home page for all sorts of
information on the services by this agency, including flood
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."
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
COMMISSION LINK: Has some good educational material on
telemarketing scams, viatical settlements, links to other governmental
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.
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.
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.
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.
commentary on all types of funerals, regulations, costs and
Excellent source of additional information on all the areas affecting
the death of a loved one- grief , living wills, body donations, etc.
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.
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,
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
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.
Direct access to a major "collection of resources of value to those
experiencing loss and grief." Highly recommended
GROWING UP: Seek your
HEALTH CARE: Articles
LINK: Articles and info on choosing a hospital, statistics
on organ transplants, cesarean section reports and more. Worth looking
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.
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.
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.
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
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.
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.
PREVENTION LINK: The National Center for Injury Prevention and
Control (NCIPC) works to reduce morbidity, disability, mortality, and
costs associated with injuries.
EXAMINATION LINK: An independent site that reviews the IRS's
enforcement activities, offers maps, graphs and more than 35,000 tables
TAX LINK: Get's you directly to the forms you might need.
You can get to their other sites from there.
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.
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.
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.
This brings you to a page for links to the
State and National bar associations.
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
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
LINK: This site provides all the new and proposed legislation.
Also includes historical documents, information on how laws are made
and much more.
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
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.
SOURCES LINK:Direct link to some excellent commentary, statistics
and resources. See also National Adult Literacy Survey
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.
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.
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
DICTIONARY LINK: Thousands of definitions and links for whatever
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.
MALPRACTICE LINK: Information About Physicians Including
Education, Training, Specialty, Malpractice and Disciplinary
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.
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.
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.
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.
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.
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
Information on over 1,300 organizations nationally that may help you
with all sorts of personal and family problems.
COSTS LINK: You can get an estimate of how much a house move might
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.
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.
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.
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.
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.
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.
LINK: 103 ARTICLES
LINK: My software does not like the code. But obesity is a
major problem so here it is :
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
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.
TRAVEL: See State Department Link
PAIN: What should you do
PANIC ATTACKS: Very
debilitating problem and here is a little insight. Do you know what
might be the best treatment???
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.
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.
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
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.
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.
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.
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
SAFETY LINK: This is the page for the U.S. Consumer Product Safety
Commission and, among other issues, keeps tabs on product recalls.
INSURANCE: Code upgrades, use of Public Adjuster, more
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.
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.
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.
is an article by Sherry Crerie, P.T. on whether a physical,
occupational or speech therapist may be needed
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?
MATCH LINK: School Match has organized comparative information to
help families a home buyers select those school districts which most
closely match their interests.
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.
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.
ADVISOR LINK: The independent site has lots of info to help the
small business from financing to marketing, a monthly newsletter and
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.
TAX REVIEW LINK: This has continually updated information on tax
laws affecting the small business- depreciation, S corporations,
maximizing pension contributions, casualty losses, etc
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
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
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.
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
ECONOMY LINK: Click on the individual state and find a vast array
of economic numbers from the Bureau of Labor Statistics.
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.
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
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!
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
Commentary including Final Exit, Kervorkian, more
Direct link to extensive information on suicide- the major cause of
which is depression.
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"
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,
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".
comments to see if you might have thyroid problems
TOO THIN: Are you too
thin? A short formula to figure it out.
HOSPITAL LINK: A U.S. News feature that lets you put in
your ailment and then provides the best rated hospitals for the
SAFETY LINK: This site is The National Traffic Safety
Administration and has databases on vehicle defects and car customer
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.
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
MORBIDITY AND MORTALITY UPDATE LINK: Notifiable Diseases and
Reported Deaths . Great for parties- impress your dog.
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.
SURVEY LINK: The site provides info on how to minimize loss
of life and property from natural disasters, more.
MEDICINE LINK: Veterinary medical information and services.
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
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.
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.
LINK: A support page for all the issues effecting someone
recently widowed. Highly recommended
LINK: From British Petroleum
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.