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99 SHORT TAKES - ON LONGER TOPICS!

In various places on this site you will see mention of our hard-copy, monthly periodical PERSONAl SUCCESS - THE NEWSLETTER. It has been published nonstop since 1993, but succeeded the venerable DAX MONEY-MAKER CONFIDENTIAL NEWSLETTER which had a track record going back to ‘’when Ted was a pup.'’ Not quite to our humble beginnings in 1962 - but darn near.

Regardless, each and every issue of P.S. has ended with a collection of BITS of information - none long enough to warrant a full treatise elsewhere in the publication - but too worthy to be left out entirely. Herewith then, is a gathering of such - and I believe you will find most of ‘em worth a serious read!

-Dean

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$$$: Yikes! Ever get those painful calf or thigh spasms - or as they’re called out here in the hinterlands, a ‘’Charlie Horse?'’ Try placing two-three little quinine tablets under your tongue. They’re available at health food stores and they really work! If they’re not handy, grab a jar of pickles and drink some of the juice. That’s a trick almost all athletes know about. Yet another solution (but a bit messy): Before bedtime, spray some apple cider vinegar on your legs and rub in.

$$$: Significant savings on popular publications: On your letterhead, write to TCM, Box 61350, Tampa, FL 33661-1350 and request that they send you current rates for the (many) magazines they broker. You can save up to 86% off the cover price! One example: Sports Illustrated normally costs $223.44 per year. Your price? $39.99! All other well-known titles offer equal savings.

$$$: On the topic of $aving$: If you use essential oils for any purpose (and there are zillions!) here’s a great source we stumbled upon: www.nandaoils.com We bought $140.00 worth of various concoctions for about twenty five bux. When you buy essential oils at health food stores they really ‘’soak you'’ - and NOT with the oils!

Plus, here’s another great source for low-cost, quality spices (in bulk):

www.wholespice.com Again, we bought a truckload of cinnamon, cardamon, parsley, basil, stevia and even some ‘’priceless'’ saffron for pennies on the dollar!

$$$: As if you didn’t already know: According to a recent Harvard study, home equity rather than stocks or other speculative investments - is the ‘’anchor of U.S, household wealth.'’ In the aggregate, homeowners net equity soared by $405 BILLION this past year - to a record $7.6 TRILLION.

Non-stop mortgage refinancing (spurred by unprecedented and historic-low interest rates) also pumped an extra $200 Billion into the recession-teetering-on-the-brink economy. If you needed further reason to buy your own home: Median net wealth for a homeowner is $172,000.00, whilst the median net wealth for renters is just $4,810.00.

$$$: Don’t Turn A Blind Eye To This! It is now possible to prevent blindness in some cases - simply by getting a cheap, easy, painless test. Glaucoma, one of the most common causes, can be quickly diagnosed and the sooner it is, the sooner corrective treatments can be made.

Three million people (it is estimated) currently have the disease and don’t know it, although high-risk groups include those with a family history OF Glaucoma-induced blindness (your uncle is blind as a bat from it? . . . well, maybe YOU should be worried, buck-o!), people over 40 and African Americans.

$$$: Most experts are currently very bullish on gold - both the metal itself, and the various stocks that represent companies engaged in mining/refining, etc. They feel this added strength will last at least two more years and it is, certainly, the first significant uptick in a long time. Regardless, as DAX-DOERS who are also ‘’gold bugs'’ know, much money can be made (or lost) by trading gold futures and one of the better ways to learn how is via our very popular ‘’DAX Triple System for Day-Trading Gold Futures.'’

$$$: If your notion of a fine vacation is spending gobs of money, standing in queues for hours on end only to then ride on a massive contraption that will whirl ‘n twirl you ’til you puke, then you just gotta get ahold of this free video from Walt Disney! Just call 1-800-266-5686.

$$$: ‘’How are things in Guacamole?'’ If you love the mushed avocadoes you will be pleased to learn how really healthy they are. Packed with such nutrients as Folate (folic acid), Glutathione, Vitamins C & B6, Thiamine, Niacin, Potassium and Monoun-saturated Fat (the ‘’good'’ kind), it’s like having a compact medical bag with a what-the-heck-to-do-with-it huge, round nut in the center!

Benefits include anti-aging, cellular repair, strengthening the immune system, helping to prevent cervical cancer, regulate cholesterol levels, maintain smooth and healthy skin, nerves and probably, ’twill take out the trash for you on Thursday night if you just ask it to!

$$$: Hardly shrimp-size! Each year the restaurants in Las Vegas serve a combined weight of 30 tons of shrimp - more than all other eateries in the U.S. combined! When we’re out there, I account for at least one of those tons (love’ those 99-cent shrimp cocktails at midnight!)

$$$: This should convince you of the validity of investing in single-dwelling homes - as we have advised for decades: In the U.S. a full 23.5% of all such properties are acquired annually for investment purposes - not for personal residences!

$$$: Education & Earnings: Most people (especially, parents!) advocate an extended formal education as the only path to success. If one of those, you’ll be glad to hear results of a survey by the (Federal) Bureau of Labor Statistics regarding worker compensation in America:

White-collar folks average $21.85 per hour, blue-collar, $15.03 and service-type occupations, $10.40. A person with a doctoral or other professional degree will earn about $3 million in their lifetime, whereas a person without even a high school diploma only about $1 million. All that leaves me in a quandary: With no formal education beyond the ninth grade - I managed my first million 36 years ago when that was still considered real money.

In view of all that, methinks, I’ll just spice up my credentials a bit: D.F.V.D.V.SR.PH.D (the man is a veritable legend in his own mind . . . ) Just for the record: I feel everyone should get as much education as possible - and indeed, never stop learning just because there’s a sheepskin hanging on the wall. (I prefer mine lining a warm winter coat).

However, a ‘’formal'’ education is no absolute guarantee of success! All sorts of ways to acquire the know-ledge, skills and other attributes necessary to ‘’succeed'’ - attending a college or university is just (probably) the best known.

$$$: Uncle Sammy tells us that a full 25% of all people 50 and older are NOT financially secure. That is horrific - downright criminal! There is NO reason for any American (at least, if they are a DAX-DOER) to suffer such a plight! If YOU are fearful of contracting a case of the monetary miseries soon or in the soon after - better start DOING something about it, such as starting a home-based business of your own!

$$$: Currently, in the U.S. alone we have 3.8 million millionaires!

$$$: One thing you have always been able to rely on ol’ DAX here for is . . . 100% truth and honesty. ‘’Telling it like it is'’ sometimes gets folks mad at me - but I figure it this way: YOU don’t lie to ME - so why should I lie to you? Fair enough? Okay then, listen up:

If you have a mortgage - and many do (until they get properly ‘’DAXED!'’) statistically, you are cheating yourself out of tens of thousands of dollars - virtually, robbing you and yours of future wealth!

Oh, maybe you recently took advantage of the historically low interest rates to refinance your mortgage - and that was probably a wise move, BUT that pales in comparison to the simple method by which you can slash huge sums from your existing mortgage - regardless of the annual interest rate.

Simply pay just one extra monthly payment per year and you will effectively reduce the term of say, a thirty-year mortgage to just 22 years! If yours is a 15 year mortgage, the single extra payment annually will bring that term down to 12 years.

Those are significant savings in both time and real cash - the latter of which may well amount to $40,000.00, $50,000.00 or much more! Maybe the best way to handle the extra payment mentally is to just pretend that every year has thirteen rather than twelve months!

$$$ Small World: Have mentioned in the past that www.google.com is the best search engine - bar none. It has well over two BILLION web pages catalogued and usually, no matter what you ask it for, it will pull it up within a few seconds. One of the two founders/developers of GOOGLE, Larry Page, as a teenager, grew up a few miles down the road from me when I lived in East Lansing.

He recently became a BILLIONAIRE overnight when his company went public! Maybe his enormous success is due to his living in such close proximity to one of the industry’s prominent ‘’Cyber Gurus'’ . . . ME . . . HA!

$$$: Still smoke? Thinking about quitting? Here’s another great reason for making that monumental decision once and for all: If you quit before 35, statistically, you will live just as long as someone who never smoked - according to fresh research.

However, when one continues to smoke beyond the age of 35, each year brings them much closer to a really nasty death (emphysema, pneumonia, cancer of all kinds). If a person really wants to quit, there’s no reason not to - other than a total lack of selfesteem - as there are simply too many valid methods to accomplish the goal.One of them is NOT (in my judgment) governmental agencies that impose usuary taxes as the state of Michigan did just recently:

They’ve socked on an extra 75 cent tax per pack (not carton) - which is just wrong. That’s tantamount to beating the heck out of your kid every time he/she acts inappropriately - rather than figuring out why and addressing the underlying causes(s).

$$$: Whatever else - do NOT become part of these recent statistics: 36 million Americans - one in eight - now live in poverty and tens of millions more are considered ‘’working poor.'’ Get DAXed and stay DAXed!

$$$: The late President Reagan got many of us hooked on those delicious Jelly Belly candies - jelly beans with delightful, unusual flavor twists such as watermelon, coffee, tropical fruits and so on. When first introduced, the only place we could find ‘em was in Traverse City.

We would drive all the way up there at leastonce a year and P.C. (then, about 12) and I would spend an hour or so making our selections and then spend the rest of the day and evening pigging out on various (sometimes strange) taste treat combinations. You may be able to get a batch of the candy for free by taking a flavor quiz at the company’s website: www.JellyBelly.com

$$$: Some other sites for free stuff include: www.All-free-samples.com, www.Yes-ItsFree.com and www.TheFreeSite.com

$$$: What are the odds of that?! What are the chances that if you have 23 people in a room, at least two of them share the same birthday? Most people guess about one in 150. The actual fact? One in two!

$$$: This should tell us something! You eat a hamburger (real meat - not a vegetable substitute), or any buttery/greasy food item and soon after you suffer heartburn. Hello! That is the cause of 90% of ALL miserable heartburn episodes.

To avoid, replace real meat with soybean or other vegetable-based ‘faux meat’ products. Nowadays, they look and taste like the real thing! Use olive oil in place of butter or lard for cooking and the odds are STRONG you will never suffer that miserable heartburn (or the even more severe acid reflux) again!

$$$: Ever select one item over another at an office store (or elsewhere) primarily because some fairly attractive rebate offer was made? Sure, you have - it happens all the time. We have too, but we have discovered (as have others) that many of those offers are fielded by companies - even big name companies - that seldom follow through with your rebate once you send in all the paperwork required!

The Feds recently reported on this fact, but WE already knew the skinny, because we’ve been duped several times - most recently by SuperDisk/Imation. We bought a truckload of diskettes from THEM rather than the competition, because they promised a fat rebate. We sent in all the stuff, never heard back, so we wrote:

They said we had NOT sent in all the required stuff. So we YELLED LOUDLY and of course, got our cash rebate! The Fed report says most people not only do NOT say ‘’boo!’ when they fail to get their refund. but most do not bother sending in the rebate request in the first place. STUPID!

$$$: In an issue of SMALL BUSINESS OPPORTUNITIES magazine there was a quarter page ad with a pix of Carolyn Mann, CEO of an outfit called HOPE CAREER CENTER whose motto is: ‘’Helping Others Pursue Education.'’ Really? In the space of that one small ad, the word business is spelled ‘’busniess'’ and later, the word superiority is spelled ‘’superority.'’ So much for ‘’Education.'’(Edjukashon?)

But then, the PROMISE was only . . . HOPE! Also, in every issue of that stupid magazine of late, on the very back outside page is an advertisement in full color no less. Fairly intriguing. They list their website. For the past 6 - 8 months, any time you try to access the thing, IT DOES NOT EXIST, as it is still ‘’under construction!'’ Did you know that often, web ‘’construction'’ takes only about 3 or 4 HOURS?!!

$$$: JAVA JIVE: Coffee has now been irrefutably demonstrated to prevent headaches, depression, sleepiness (Duh!) and even nausea and flu-like symptoms. On the negative flip side (everything does have its price, eh wot?!) there is some evidence from Switzerland, as well as from Harvard University, suggesting that excessive coffee consumption may promote colorectal and/or bladder cancer.

But that can be countered (if you are countering AND counting!) with Japanese research that proclaims the caffeine in coffee alters hormones in a way that seems to reduce the odds of breast cancer! Maybe, we should just have one or two cups a day - instead of the whole pot?!

$$$: We’ve touched upon the following before - will do so again in the future and are doing it NOW because it is SO vital to anyone who has a mortgage. You can drastically SLASH your ultimate total outlay if you simply apply modest amounts of EXTRA bux to each monthly payment OR even just a little extra now and then.

Consider this: If you had a $150,000 30 year mortgage at 8% with a monthly payment of $1,100.00, by the time of your final payoff you will have paid darn near a quarter of a MILLION bux in interest, alone!

BUT . . . if you pay an extra $50 every month (which compared to the ‘’regular'’ $1,100.00 payment is NOT all that much more) you will SAVE in actual cash-money - you know the kind of stuff that pays bills, buys groceries, sends kids to college, etc. - over $44,000.00!!!

Besides THAT bonus - your mortgage will be entirely paid off 4 1/2 years sooner than you originally signed on for!

$$$: Problems with Microsoft programs? (Yeah, I know . . . DUH!) MS seems to vie for first place in complaints only with AOL. For free MS fix try: WWW.PCBUGDOCTOR.COM

$$$: Sad but true: We seem to have become a nation of royal screw-ups and as such, not a day passes that the media doesn’t inform us of yet another inferior or dangerous product that must be recalled. Cars, appliances, foodstuffs, medicine - you name it. Until recently, if a consumer wanted to check out the current crop of such mal-functioning products it required a fair amount of time - even with the Internet at their disposal.

Uncle Sammy has recently simplified the process somewhat via a new website: WWW.RECALLS. GOV Once there, you’ll find that six separate Federal agencies have been combined to provide vital (even life-saving) data on products we all need, see or use daily: Medicine, toys, automobiles, boats, plus environmental and an array of other consumer products. Included in this new ‘’batched'’ website are the USDA, FDA, NHTSA and the EPA.

$$$: A good website for just ‘’lemons'’ (troublesome automobiles) is the private WWW.ALLDATA.COM It also provides data on technical bulletins to FIX lemon problems.

$$$: If you or someone you know has ever had any type of financial dealings with the Federal Housing & Urban Development folks, you may want to mosey your mouse over to their website sometime soon and see if YOU may be entitled to a slice of the more than $90 MILLION that collectively, 128,000 people still have due them! Next best thing to free money! Go to: WWW.HUD.GOV

$$$: Here’s one to knock your socks ON! Swiss scientists claim that, by slipping on a pair of nice warm socks before going to bed, your entire body’s circulation will improve and your feet and even your hands will enjoy a greater blood flow and thus, feel warmer.

$$$: A terrific tabloid-size (usually, 40 pages) newspaper devoted to a variety of entrepreneurial activities is now in its seventh year. Published by long-time DAX-DOER Dan Meehan, The Biz-ness Gazette is a monthly you should check out.

It’s jammed-packed with loads of helpful articles, interesting small and large ads (including a nice DAX one every month!) and other goodies. Get a sample copy for five bux (or an entire year’s subscription for just $12.00!) from: Anchor Publications, Box 4225, Elkhart, IN 46514. On the web at: www.homebucks.com/biz/gazette.html

$$$: Holy A.A.R.P., Batman! Did you know that every eight seconds someone in America turns 50?! ‘’Senior-ority'’(!) has its privileges - at least when it comes to discounts on all sorts of stuff - BUT - nowadays, you often must ask for them as many merchants no longer see the need to automatically make such offers in that there ARE so many oldsters in the land, and folks over 50 have the highest levels of disposable wealth.

Thus, some ‘name’ outfits like American and Delta have cancelled their senior discount deals, as has the Lowe’s home improvement folks (just before we gave ‘em 30 grand for our new kitchen cabinets, of course!)

Nevertheless, you can still find some cash dealies here and there: LensCrafters as well as Pearle Vision, Banana Republic, IHOP, Ballys Total Fitness and many others are still competitive. But again, wherever you go, whatever you buy: ASK how much the senior discount is! Sometimes, one such instantly appears that previously did not exist - HA! Get ‘’Biblical,'’ as in, ‘’ask and you (may) receive!'’

$$$: If you are feeling generous perhaps, you’d like to give someone a gift of up to $11,000.00 which, under recently revised tax laws, is totally tax-free! Get out that checkbook . . . and my name is spelled, D-e-a-n . . .

$$$: Flashback to the concept of ‘’Company Store?'’ Maybe: Some employers are cutting payroll costs by issuing plastic credit cards in place of the usual checks. The cards can be used most anywhere a debit card is accepted - apparently saves a bundle for the boss, plus the employee who might otherwise have to pay a 1-5% fee for check cashing.

$$$: Ever puzzled about what a particular acronym actually denotes? Sure, the easy ones pose no problem: FBI, CIA, PTA, IRS and several others are well known. What about ABC, CBS, NBC, CNN, MSNBC or CNBC? Or FAA, FTC, FCC and GAO? When stumped, simply send your mouse on a quick trip over to: www.acronymfinder.com and become enlightened!

$$$: Found Money? No matter where you live, every state maintains an ‘’unclaimed property'’ division to process abandoned property from its citizens. That means anything from $2.00 forgotten about in an old savings account to millions of dollars worth of stock and bond certificates - with all sorts of valuable items in between.

Such assets go into limbo when the rightful owner dies, forgets about the goodies left behind and/or the rightful heirs cannot be readily located by the banks, stock brokers or federal and state governmental agencies.

To see if you or someone you know is listed as the rightful owner just log onto your state’s website (usually, it’s simple: www.michigan.gov, www.utah.gov, etc.) and the link to unclaimed property. Each time I have done so I always find several names of people I know who are entitled to some ‘’lost'’ funds.

$$$: Do you receive Social Security? If not, statistically, you will soon be old enough to be eligible, so heed this: Only 55% of SS recipients have opted for direct deposit of their monthly payments and Uncle Sammy is pushing the other 45% to make that commitment.

Nowadays, it only makes good sense to do so and certainly, it is safer easier and faster. No chance of neighborhood-hoods robbing your mailbox or mugging you to get your money. You say you just don’t trust your government to wire your bank the funds? Well, who the heck is MAILING you those checks now, buck-o?!

$$$: ‘’Drink Edelweiss, it tastes so nice - it’s very good for fleas and lice . . . ‘’ That was a parody of an old German drinking song that my late brother Wellington frequently sang around the house a half century ago. He had a sense of humor only a bit weirder than my own - owing to his 9 years of seniority in developing the same.

Perhaps, the remedy suggested in his ditty was NOT so lousy(!) after all, as the CDC recently informed us that the chemical, LINDANE, a key ingredient in most lice-killing treatments poses a real threat to humans and has caused seizures and even death amongst older people forced to use the stuff (which all who are exposed must do - as well as destroying bed linens, towels, etc., etc.!)

Louse infestation is no joke and there has been a minor epidemic across the land for several years, emanating in the main from school children exposed to others whose family does not, shall we say, practice good hygiene.

If you have young children, be aware of the real danger of the problem and perhaps, have a serious chat with school administrators. Otherwise, you or your spouse or other unknowing adult may suffer, well, terminally!

$$$: Mortgage Anxiety? The Brits report a serious and pervasive malady (amongst folks in the U.K. as well as the U.S.) who carry a mortgage on their home: Sleeplessness, fatigue, anger, increased automobile accidents, marriage break-ups and so on. It seems ever-growing numbers of mortgagees having trouble meeting the monthly obligation and fear losing their home.

Too bad those folks weren’t DAX-DOERS, elst they’d learned (or ‘learnt’, as the Brits would say) a longtime ago how to get a nice home for no $$ down and no mortgage, eh wot?? And not at all coincidentally, this month’s ‘’Pipe-Pointer Special'’ offers our most popular treatise on the topic for a pittance!

$$$: Is ‘’Blue Stuff'’ our 21st Century ‘’Snake oil?'’ No doubt you’ve been unable to avoid seeing the plethora of TV infommercials for a product called, ‘’Blue Stuff,'’ which is purported to be a miracle cure for ‘’all what ails ya!'’ When we first saw the commercial, what came to mind were those sleazy-looking salesman of the late 19th century peddling various ‘’cures-all in a bottle'’ as depicted in old Western movies:

You know, where every boob gathered ’round to hear his spiel and then part with a whole dollar (big money back then!) for a bottle of what was usually no more than pure alcohol with some extra honey or lemon for flavoring. It didn’t cure you, but by the time the bottle was drunk - so were you - and probably ‘’felt no pain'’ (for awhile, at least) - just as ‘’Snake Oil Sam'’ promised.

Anyhow, that ‘’Blue Stuff:'’ They show testimonials by a number of satisfied users who claim the stuff banishes everything from arthritis to muscle cramps, back pain, etc.

Now though, instead of a single buck to see if it works - it cost (with shipping) $47.90! We tried it -and we had a bunch of other people try it , as well - all with a myriad of ‘’hurts'’ they’d like fixin’. The product, true to its name IS blue - and it smells like cheap leatherette covering a 1950’s era 45 RPM record player (really!) HOW DOES IT WORK? Well, surprisingly for some, it works quite well. The consensus (including my own ‘’two cents worth'’) is:

It works nicely (and quickly - just like the seller claims - within five minutes!) on a nasty headache. (Rubbed on forehead - taking precaution to avoid the eyes!) It’s also effective on simple rheumatoid arthritis in hands, feet, knees, etc. But it does NOT seem to work much at all on osteoarthritis, muscle cramps or ‘’Charlie Horses.'’

But again, it does relieve pain remarkably well - and fast - on the areas and/or types of pain mentioned - AND the pain relief lasts upwards of 2 - 3 hours. We would have to definitely give the ‘’Blue Stuff'’ a more than passing grade. If you missed the TV commercials, you can also access data (including ordering info) at www: Bluestuff.com

$$$: Comedian Robin Williams once did a bit after his first child was born. He told of his high hopes for the boy - that someday he would go to Harvard, become a high-priced lawyer and just maybe, eventually be elected President.

On the other hand, he said, ‘’Oh, but what if it doesn’t work out that way and his principal contribution to society is based on ‘Do ya want fries with that?’ ‘’(!) Not very prestigious.

But today, fast-food companies are making serious pitches for ambitious people to consider the biz as a viable long-term successful career option and are showering prospective employees with stock options, 401(k)s, all-expense paid vacations and other perks.

Might be worth considering if one is NOT the DAX-DOER, self-motivated entrepreneurial type as fast-food sales this year are projected to exceed $112 BILLION.

$$$: Psst . . want some nice French postcards . . . uh, I mean French art? Then, mosey your mouse over to www.Louvre.fr Oui! There you wil find the famous Louvre Museum in Gay Par-ee - with terrific full-color reproductions of the thousands of famous paintings housed therein. 100% FREE -and no hassle travelling.

$$$: These (incredible) stats just received: We have almost 300 million people in the U.S. according to the most recent census, BUT there are 400 million pets! And most of those reside at BLUE HERON POINTE - thanks to stray-pet push-over Ms. SuEllen M. Headley!! (We’ve got ‘em in the house, around the house and under the house - no kidding!) Those large pet numbers translate to $31 BILLION folks spend on the beasts of all sizes and stripes every year.

Any way YOU might make a few bux from this ridiculous (in MY mind) phenomenon?

$$$: Ease Your gas Pains! As of this writing the media is irritating us all by saying it may cost as much as $4.00 per gallon to fill the old family tourer this fall. Would not be surprised although, as Leno recently bemoaned, ‘’Where the heck is all that free Iraqi gas we were promised?!'’

Regardless, you may be able to shave a few pennies a gallon off each fill-up by shopping stations in your area (in ours, prices vary as much as 20 cents per gallon!) the easy way - via a couple good websites: wwwgaspricewatch.com and www.gasbuddy.com Just visit and punch in your ZIP code.

The sites list prices for gas in each region of the country - in many cases breaking it down to stats on individual neighborhoods and listing stations by name and address. Also, you should know that gas prices go UP on Thursday every week and DOWN on Tuesday. Now that I think about it - sort of like hotel room prices in Vegas . . .

$$$: Drink yourself young! We’ve all heard over and over about the extraordinary value of drinking a couple glasses of red wine every day - the so-called French Paradox - that helps our circulatory system hum along and stave off a heart attack or stroke. But NOW, we’re told that researchers are certain that the resveratrol found in said red wine is also the very best compound found to boost anti-aging enzymes! Okay, okay:

So you’re ticked because my French countrymen refused to accompany Mr. Bush into Iraq, right? (Although, it’s beginning to appear they may have been on the correct side of that issue, n’est pas?!)

But countering THAT, the ‘’French Paradox'’ has given us the ability to live long lives whilst still scarfing down fatty and delicious foods and NOW - geez, they’re going to help us live to, well, who knows - maybe, forever - if we drink enough of that nasty red stuff! Hey, Pierre - pour me another one!

$$$: Next time an airline bumps you or gives you any other nasty ‘’static'’ just yell, ‘’Rule 240!'’ That is the obscure FAA regulation that requires all air-lines to get you on the very next available flight - even if it is with another carrier - so that you will arrive at your destination within two hours of the originally scheduled arrival.

THEY must pay the other airline, if necessary, and you are also entitled to one free long distance call PLUS a free hot meal! (Make mine BBQ ribs!) For further data on this and other important intelligence if you travel often, go to: www.mytravelrights.com

$$$: How to save a fast $29: There’s a book on social security benefits being peddled in ads in just about every newspaper across the land: Cost is $29.95. The exact same data can be found in a booklet for 89 CENTS at most supermarket check-outs! If you just want to know how much $$ you have coming from S.S., ask them for form #7004.

$$$: In case you were unaware - or simply forgot - any time you’re trying to find a toll-free number for some company - easiest way is to dial 1-800-555-1212. And remember, nowadays, toll-free numbers are not just 800 prefix - but also, 877 and 888!

$$$: We waded through 1,023 pages of minutae - a compendium called ‘’Statistical Abstract of the United States'’ just to bring you some interesting and potentially helpful data - so pay attention! Some 75% of all American families owe debt of some kind - 40% are paying a mortgage - 48% owe money for credit cards.

Remarkably, 52% of those of us who regularly use credit cards also pay off the full amount due every month. 20% sometimes pay it off - the other 28% never are free of chargecard debt. Incidentally, some 66% of all American families use some type of credit card. Currently, the median income of the American family is $40,611.00.

The average household spends $4,505.00 a year for food, $708.00 for phone bills, $1,006.00 for car gasoline, $277.00 for booze, $269.00 for tobacco and $276.00 for bakery goodies. It is estimated there are now some 285 million Americans and a full 100 million of us have access to the Internet at home. That is a startling statistic - and it continues to ‘’grow like Topsy!'’

$$$: Got a CD (Certificate of Deposit, that is - NOT a DISC!) or two about ready to mature? You’ll need to find a good place to park your bux again. To find the best rates around, check out these websites: Bank Rate Monitor at: WWW.BANKRATE.com and Banks Quote at: WWW.BANXQUOTE.com

$$$: Some months back, we mentioned that a very large percentage of the telephones in this country are leftovers from the days when the phone companies furnished the beasts at no extra cost to the regular service. That’s fine, except somewhere along the line, the phone companies offered customers the option of returning the things or paying a monthly rental fee.

Lots of people overlooked the option, kept the phones, and have been paying through the nose ever since. Several hundred dollars going down the tubes needlessly! If you or your parents or grandparents have one or more of the old phones, check the monthly statements and/or call the phone company.

If you find the phone IS on a lease basis - take the thing back pronto! Cancel that monthly fee. Buy a phone at your local K or WAL (Mart) for ten bux or so and save BIG BUX!

$$$: Beware! If one or more of those offers that accompany your monthly bank card statements entice you - be careful! We are getting numerous reports from DAXERS where they have ordered one or two items only to be charged for the purchase - but the products are never received!

We believe that, because three months before Christmas last year I placed just such an order for a personalized pen/pencil set for a stocking stuffer for S.E. It never came despite many phone calls.

But yes, we were charged for the thing! It took both a letter and a two phone calls to get the proper credit! Then, I cancelled all our cotton-pickin’ cards at Chase Manhattan Bank - one of which I’d had for 40 years (literally!) Take my money - that’s one thing - waste my time and you’re dead to me!

And if you really are looking for a lifetime enemy - simply ignore me when I contact you for some reason that I feel important to you, me or both of us. That one really grinds me . . . (I now have a total of just 3 people I can count on - for certain - to respond to an email that I send - and one of ‘em is SuEllen!)

$$$: Do you recall which U. S. President was the driving force behind constructing our super highways and more so, why? ’twas President (General) Dwight Eisenhower, and his motivation was his concern that if the U.S. were to be attacked (by the Soviets in those days), we would be unable to move military materiel to crucial destinations in a timely fashion.

$$$: As with many English words, there are two (or more) ways to spell a number of ‘em. In the case of the word stationAry, it is also spelled stationEry. Depends on the definition. Easy way to remember which is which: It is spelled with an E when using the word to indicate writing materials. Just think ‘’Envelope.'’ Otherwise, spell it with an A!

$$$: Your $$ up in smoke? An outfit that claims to help people stop smoking called WWW.QuitNet.com has been getting a lot of free press coverage of late - and indeed, the program sounds valid and may be very helpful. But when you visit the website it becomes clear that they do everything to NOT blow away the smoke - of confusion:

It’s darn near impossible to find out how much money they want from you (until you actually sign up!) but we persisted and discovered the cost is $99.95 per year PLUS $9.95 per month thereafter. The program appears to work much like Weight-Watchers with any success based on interaction with a bunch of other fat folks or in this case, stinky chimneys.

With 1 in 5 deaths in the U.S. being caused BY smoking it’s no wonder that most any program - at any cost - can be commercially successful but frankly, there are better methods to employ than the costly one advanced by this outfit! Indeed, our own popular report, ‘’Quit Smoking: Period!'’ is a mere $25.00 including s/h! Check it out (literally!) at the DAX STORE - the link is on the MENU BAR.

$$$: A startling (to me, at least) statistic: According to the National Association for Counselling and Development, the average person in the U.S. has five to seven different careers and 10-12 job changes in their lifetime. Boy, am I a veritable stick-in-the-mud! I’ve been at this same ol’ popstand for nearly 45 years now!

$$$: A fascinating website: http://www.dslextreme.com/users/exstatica/psychic.swf Go there and see if you can figure out how someone is reading your mind (and for once, it is not DAX!) Try it - ’tis interesting . . .

$$$: We’ve always alerted you with the very latest ‘’warnings'’ about legal drugs that can harm (or kill): Vioxx, Celebrex, Baycol, Crestor and too may others.

Here’s a website that specializes in such reporting - better put it in your ‘Favorites'’ file: www.worstpills.org Currently, it lists 181 different popularly prescribed pharmaceuticals that you’d better learn more about!

$$$: As far as we know there is only one word in the English language which has all five vowels in their proper order (of A, E, I, O, U). Know what ’tis? FACETIOUS! (And that’s NOT what I’m being here, but rather . . . FACTUAL!)

$$$: We’re laughing our heads off about this: A Japanese study reports that for those who have diabetes, if they make a point of laughing a lot - but especially, after every meal - their blood sugar levels are much lower. Why? Nobody (yet) knows - but we’ll tell you when we find out - and perhaps, we can all laugh about it!

$$$: WARNING! If you spend a lot of time on the web and more to the point, interact with others - especially, if that involves any personal messages, etc. - NEVER give out your home address or phone number. AND to mitigate any further problems, set up a (free) email account with a server other than the one you normally use.

For instance, if your server is MSN, AOL or Earthlink, whilst you may well have email accounts there, as well - set up one or two others with the likes of yahoo.com or hotmail.com and use those email addresses for contacts with strangers and online merchants.

Indeed, it is also advisable to set up a wholly separate chargecard account with your bank to be used solely for online purchases. If/when future troubles arise, you’ll find it much easier to sort things out than if you had commingled other off-line transactions on the card.

$$$: Definition of the word dichotomy: One half of the world’s population lives on less than $2.00 a day. In the United States we have an all-time record of 3.8 millionaires. Conversely, the Census Bureau’s annual report shows the number of people in the U.S. living below the poverty line rose to 34.6 million last year.

A family of four was considered to be living in poverty (as of 2002) if its total income was $18,244.00 or less. The median income is $42,409.00. The nice thing about living here is that you alone choose your own financial fate.

$$$: The foregoing brings to mind: A couple decades ago one of my most successful full-page ads ever was captioned; ‘’How To earn $800.00 A week!'’ - which was a princely sum back then. Today, that is merely a ‘’median income!'’

$$$: There are now 24 million family-owned businesses in the U.S. and they employ over half of our nation’s work force, PLUS they generate 69% of the GNP (Gross National Product). Still think a little home-based biz is beneath you . . . ?!

$$$: We have previously recommended saving some $$ on long distance calls by using the (now) popular 10-10-220 service. It offers a twenty minute call for just 99 cents. Now, there’s a similar service: 10-10-987 which costs you 39 cents for each call made plus 3 cents per minute.

The math seems to indicate identical numbers until you factor in that many calls placed never are properly connected due to answering machines, a child picking up/hanging up, etc. With the ‘’987′’ deal you pay just 39 cents for each such call - whether it actually materializes or not - rather than 99 cents with ‘’220.'’ Overall, methinks its cheaper - we’re still testing.

$$$: THE AMERICAN WAY! 70% of all Americans live in homes they own, even though today, the cost is three times the price in 1980. Anyone care to car-pool to the Home Depot . . . ?

$$$: Living amongst the Amish here, I’ve seen where eggs actually come from - and it ain’t the dairy case! Thus, a warning: When you encounter a cracked egg just toss it - do not consume! That goes for fresh eggs, hard or soft-boiled. Why? Deadly salmonella! It is very common in eggs - for the obvious reason of (once again, class) from whence they come!

I also take care to wash all eggs when I get them home PLUS wash the inside of the carton if I plan to replace the eggs there. Whilst boiling, should one or two shells crack - once again, out they go. All of which reminds me: Chicken is a very versatile food: You can eat it before it’s born and after it’s dead. Cluck . . .

$$$: Smart hygiene tip: To minimize possible cross contamination of e.coli, botulism and other nasty, infectious organisms, NEVER wash your kitchen towels, dish clothes sponges, etc., in the same batch with underwear, bath towels, bed sheets, etc. Visit most ANY restaurant today, sit in a booth or on a chair whilst dining, and you will likely have all sorts of nasty, invisible germs attach to your trousers or dress.

Pay a visit to the restroom and you will unavoidably gather up a few million additional parasites - all of which may well end up transferring to your kitchen towels, etc., if you wash everything together - no matter how hot the water or potent the detergent. Holy Crap!

To really be safe, best to switch to all white dish cloths and towels and even bath towels - and then each time they are washed add a goodly portion of chlorine bleach.

$$$: Unlike all drugs which are carefully scrutinized and controlled by the Food & Drug Administration (FDA) the many vitamins, herbs and other supplements that many of us buy are NOT regulated to any real degree - at least not by any government agency. That makes one wonder if when buying say, a bottle of Selenium, or St. John’s Wort are we really getting either the product advertised or the measure of potency promised.

The only way that we know of (until now) to ensure the efficacy of such matters is to purchase from a reputable source - whether that’s a local health food store you trust or one of the mail order companies that have been around (since Ted was a pup?!)

Now, enter a new possibility: ConsumerLab.com - a White Plains New York company, has been founded by a physician and a former natural products chemist at the FDA to test and evaluate all ‘’natural products'’ on the market. This bodes well, methinks!

$$$: In your quest for ‘’doing all you can do avert a heart attack'’(!) - have you considered the extreme importance of continual proper dental care? You should! Frederic Pashkow, M.D., of the University of Hawaii’s School of Medicine tells us that periodontal disease (inflammation caused by plaque along the gum-line) is the second leading risk factor for heart disease - after smoking!

When plaque invades the gum the immune system attacks not only the intruder but the body’s tissues, as well, creating deep pockets in the gums and erosion of the jawbone. Most people who have severe gum disease (and there are various kinds) tend to also have heart disease. Best to get a thorough baseline checkup and have monitored at least once annually.

$$$: Pssst . . . got a hundred bux? More to the point, a hundred-dollar bill? Look at it closely to see if perhaps, there is no GREEN ink printing on it - including the seal over the amount, plus the bill’s numerical designation normally appearing in two spots on every bill. If so, it’s worth at least $400.00!

It seems the mint accidentally printed off a small batch of the bills omitting the standard green overprint and collectors are eager to get their hands on them. Personally, I would hold on to the things, as the value will surely increase far beyond four hundred bux!

$$$: Although unsolicited fax have been illegal since 1992, starting August 25th (2003) a loophole was closed that heretofore allowed for such fax messages to be exchanged between businesses ‘’with an established relationship.'’

The problem was - and over and over we complained about this - unsavory types would violate the exemption and send copious numbers of unwanted fax to anybody and everybody - even after being advised not to.

No more! Because we and others carped continuously about this, the FTC has set in place a rule that will now cost an offender an $11,000.00 fine for each offense and provide the recipient with a $500.00 reward for his trouble. We warned of this action numerous times and it could (and should) have been avoided, but the unscrupulous, as is often the case, have ruined it for legitimate marketers!

$$$: A genteel statistic? One of every eleven women in the U.S. owns their own business! In the past ten years, twice as many women as men have opened new businesses! Must be some gal hauled out the WINDEX and squeeged ye olde glass ceiling . . .

$$$: As all of us experience a life filled more and more each day with exposure to the Web, privacy becomes an increasingly important issue.

You may know that current law allows your employer to monitor each and every word you send or receive via e-mail, and you have also heard that hackers are able to access just about any data they care to - so, perhaps, you’d be interested in some 100% FREE software that automatically encrypts your messages that you send to someone else - as well as the messages they send you.

In short, virtually no one (without a whole lot of time, bother and expense) can decipher the content or even the nature of your messages.

Both you and anyone you send e-mail TO (and vice-versa) must have the software installed - but again, it’s free and easy. Just go to: www.pgp.com The letters are an acronym for ‘’Pretty Good Privacy'’ and the freeware they offer is professionally created.

Many e-mail servers such as Hotmail, Juno and Yahoo! are noted for routinely reading their client’s e-mails, by the way - looking for any infractions of their TOS (Terms Of Service) and if they do not like what they read (the snoops!) they will summarily discontinue your service without notice!

$$$: Here’s something unusual: In a cartoon in a recent issue of REASON Magazine, the author showed a pundit yelling, ‘’Here, Here!'’ which I knew was incorrect, so I e-mailed the fellow, Peter Bagge, and informed him that it should be spelled ‘’Hear, Hear!'’ (as in when the old town criers would command attention by yelling, ‘’Hear Ye, Hear Ye!'’ The fellow actually e-mailed back to thank me. Hardly ever see anyone doing that any more . . .

$$$: Do you have a mortgage? Many do (until they get properly ‘’DAXED!'’) If so, you may have recently taken advantage of the historically low interest rates to refinance your mortgage BUT that opportunity seems to be coming to an end - or at the least, slowing a bit, so here’s another way to save huge sums ON your existing mortgage - regardless of the annual interest rate.

Those are significant savings in both time and real cash! Maybe the best way to handle the extra payment mentally is to just pretend that every year has thirteen rather than twelve months!

$$$: You stink! If you cook a lot - or even just a little - handling raw onions can be a lingering smelly proposition! No need for that any more: Just rub your fingers on a regular dinner spoon under cool running water. That’s what I do. S.E. prefers rubbing her fingers on the stainless steel/chrome sink drain and accomplishes the same thing. Either way, it really works 100% and cost you ‘’0′’!

$$$: Whilst we’re ‘’in the kitchen:'’ We all know about immediately placing soft or hard-boiled eggs under very cold water to make shelling easy BUT I just recently discovered that eggs that have been stored in the refrigerator can be peeled much easier if quickly rinsed under some water once even a little bit of shell is removed. Hey! These things will save you some angst, so don’t pooh-pooh the advice!

$$$: Fascinating poll recently taken by GQ: Two-thirds of those surveyed said they would like to be wealthy. The other third of ‘em do NOT subscribe to PERSONAL SUCCESS™ - THE NEWSLETTER!

$$$: A report just in from DM NEWS - the direct marketing industry bi-monthly ‘bible’ on trends: Most all list category prices have gone up . . . the average cost of a premium list is now $137.00 per thousand. SPECIAL TO USERS OF THE DAX EXTRAORDINARY MAILING LISTS:

Once again, we will NOT raise our prices! We have fended off the last seven industry price hikes - our belief being that regular renters of our lists come first - DAX benefits when they come back time and time again to rent our 1.1 million names.

Base price still $80.00 per M (on pressure sensitive) and we have kept shipping & handling at just $7.00 for almost 15 years now! Much lower prices on large quantities and/or when produced on CD or diskette. If you don’t have a current price list - write or email us for one.

$$$: Free 28 page booklet of custom labels on most any subject matter from: RADDATZ PUBLISHING CO., 5102 Green Bay RD., #132, Kenosha, WI 53141-1721.

$$$: Great news just in: Dr. Steven E. Shoelson of the Joslin Diabetes Center in Boston says that recent studies show where an inexpensive well-known aspirin-like drug (salicylates) can eliminate the symptoms of type 2 diabetes because the drug significantly lowers inflammation.

Already proven effective in anti arthritis medicines - the role of salicylates may also be important in treating heart disease which many experts are now convinced is caused in great part by inflammation, as well. Which reminds us: Ask your doctor for a C-reactive protein test ANY time you’re in for blood tests for any other purpose (cholesterol, PSA, etc.)

$$$: What is your real age? Probably not what the calendar shows, as numerous factors determine how old each of us actually is relative to what we think. To find out, go to www.RealAge.com There’s a free test there that takes about ten minutes, but is very revealing (if you’re totally honest!)

I just completed it (again) and my score has now improved: Five years less than my actual age whereas, three years back, it was a full ten years more! In stock trading, we would call that a 15 year spread!

$$$: Hey! Looking for a bit of fascinating diversion? If so, and you are inclined to party-hearty with the one-armed bandits now and then - get yourself a copy of our very popular ‘’Superior Slots Success!'’

SuEllen and I ventured out to one of the Indian casinos recently and for the first time in a long time I used the system exactly as produced on a quarter machine ('’Red, White ‘n Blue'’ style) rather than the usual dollar types that I prefer and for which I originally designed the system.

Within minutes, I’d racked up FOURTEEN HUNDRED quarters - folks were gathering around and the attendant said she had never seen that many quarters won in such a short time.

Later, I sat next to a fellow who was complaining that the ($1.00) progressive machine ('’Wheel of Fortune'’) was not giving him any significant payoffs - only $30 to $60 max. I clued him in on a couple ‘’DAX secrets'’ and lo and behold, a few minutes later he won a $1,000.00 jackpot! (You know, I really do NOT like getting kissed BY A MAN!) Anyway, if you’d like to get your very own ‘’Superior Slots Success!'’ email me and ask for a free brochure: Letters@DAXFAX.COM

$$$: Hefty! The average U.S. woman is 5′ 5′’ tall BUT (a key word in this report - as in BIG BUTT!) she weighs 174 pounds! Wow! Most all women I’ve personally known throughout my life have been lightweights, I guess, but 174 pounds as an average sounds ‘’weigh too much!'’

$$$: Another report claims that older Americans who spend a lot of time on their computer are far less depressed than their counterparts who are not ‘puter active. GOOGLE on, Granny!

$$$: Speaking of oldsters reminds me of Alzheimer’s - that dreaded condition that all who approach their later years fear, although, sadly, it can strike people even in middle age.

Regardless, a terrific British study has revealed that a simple and virtually free test can quickly and accurately determine whether a person is on the road TO the nasty ‘’A.'’ (Painful ‘’A'’ is Arthritis - nasty ‘’A'’ is Alzheimer’s! Why? ’cause I just said so!) How it works:

We all learn commonly used words early -between our first and fifth year. Cat, dog, apple, carrot, etc. Less commonly used words (kiwi, zebra, giraffe, badger, alimony payments(!) are learned later. A person tends to remember the earlier words all their life, whilst forgetting those added later. Thus, the subject is tested by asking to list as many different animals as they can in a minute.

Then, to name as many fruits within the same time frame. ‘’Normal'’ people (have wondered all my life what such a person IS!) will name between 33 and 52 in each category, whilst the Alzheimer’s candidate may list a mere 4 to 15.

Follow-ups are reported to be virtually 100% accurate vis-B-vis a person’s likelihood of being in an early stage of the disease. Yikes! What is that bitter little oval-shaped orange fruit my father liked so much . . . we always got him a batch of it at Christmas . . . oh yeah . . . Kumquat! I guess I ain’t got the nasty ‘’A'’. . . yet!

$$$: Do you or someone you care about take an Rx to lower high blood pressure? If so, AND you’ve noticed either a swelling or pain in the legs know this: There are basically four different kinds of HBP medicine: Diuretics, Beta-Blockers, ACE inhibitors and Calcium-Channel Blockers.

Only the fourth one has been demonstrated to cause those unwanted side effects. We know three people who have asked their doctors to recommend an alternative Rx - with total relief from pain and swelling! Ask your doctor!

$$$: U.S. statistical researchers tell us that over the next 25 years a combination of baby-boomers and new immigrants will create drastic regional differences in our society. 78 million boomers retire at their earliest peak and many will move to metro areas throughout the South and West.

In contrast, immigrants tend to remain in a few gateway areas such as New York, Los Angeles, Miami and San Francisco. As an example, by 2025 only one California child in four will be a non-Hispanic white, compared to Utah where 8 out of 10 will be. Such changing patterns are helpful to the astute marketer. You must know your target prospects!

$$$: ALMOND JOY! We’ve mentioned before a few times that medical researchers have assured us there are extremely valuable properties to be enjoyed whilst enjoying tasty nuts of various kinds but especially, walnuts, almonds and even the lowly peanut.

Now comes Phylicia Rashad (the sexy, middle-aged TV wife of Bill Cosby) who fronts for the Almond Board of California to induce us all to consume MORE almonds. In a website article entitled ‘’Let’s Get to the Heart of the Matter'’ it is detailed just how almonds can help reduce high cholesterol; as much as 30 points in 30 days. Pretty tasty therapy, eh wot?! Go to: www.almondsarein.com

$$$: A couple more of those ‘FAXin’ fools brought to our attention: Various folks pushing something called ‘The Great Idea.’ Another is called, UMAS - The United Private Contributors Network. Both are questionable MLM programs - each is sending unsolicited FAX which is illegal under Federal regulations as we’ve pointed out in the past. Avoid these schemes!

$$$: Excellent source for just about anything you’d need in computer hardware - at prices that will delight - is the MICRO SYSTEMS WAREHOUSE. They provide a huge, free catalog showcasing their offerings, and you can get a copy by writing, phoning or FAX. Phone: (1) 800-660-3222. FAX: (1) 908-370-8198. Address: Box 3014, Lakewood, NJ 08701-3014.

$$$: Some really responsive advertising sources we want to bring to your attention, especially of you are using the DAX-FAX display ad in your marketing program to sell subscriptions: CARS & PARTS, a magazine that’s been around since 1957 and one that we have used extensively for full page ads in the past. Display rates are very reasonable - as low as $400.00 or so for the size ad we’re talking about here.

Compare that to several thousands of dollars for similar publications such as MOTOR TREND. Secure media kit from: CARS & PARTS MAGAZINE, Box 482, Sidney, OH 45365. Phone: (1) 800-448-3611 or FAX: (1) 513-498-0808. Another publication that I would look into is TRADE JOURNAL TO MONEY.

It’s published 6 times per year, and they claim a circulation of 125,000. Again, rates for a display ad like ours are modest - around $300.00 or so. Contact: ISENHOUR COMMUNICATIONS, Box 160454, Nashville, TN 37216. (1) 615-228-0784.

$$$: Do you like wine? Also need another credit card? Perhaps, you’d care to combine the two via a new WINE AFICIONADO MasterCard that’s being offered with NO annual fee attached. The sponsor of this deal are the fine people at the premier publication for wine enthusiasts, THE WINE SPECTATOR. For details, call (1) 800-847-7378. Their annual APR (for the record) is stated at 7.9%.

$$$: You are receiving this October edition earlier enough to remind you that now - RIGHT NOW - you still have a full TEN WEEKS to rake in the potentially big bux with your 100% FREE DAX-FAX marketing opportunity - before the major holiday season. Why not celebrate this year with a pot full of DAX-BUX?! Get Going!

$$$: We have often said that we love GOOGLE - it is, by far, the best search engine of our time, but it has certain limitations in that its strong suit is presenting massive lists of websites that pertain to the subject of interest - very quickly - within a few seconds. But it does not directly respond to a question.

Enter www.Answers.com It is a (free) service of an Israeli company called GuruNet and taps into a variety of reference sources to quickly find the answer to your questions - without your having to visit numerous websites on your own. Currently, there are only about a million topics covered - a small number, when you realize that GOOGLE and a few other search engines have each catalogued several BILLION sites.

Nevertheless, it’s worth a visit to see if the new service works for you. There are ads, of course, but they are neatly sectored off to one side of the page and you are not pestered with pop-ups.

$$$: Men who eat cabbage at least once each week have 66% less cancer of the colon than those who eat none - so sayeth a study that just crossed our desk from the State University of New York (at Buffalo). A Chinese study claims even a couple teaspoons a day reduces stomach cancer. Sauerkraut, anyone?

$$$: WATCH IT GROW! Recently, I challenged (PERSONAL SUCCESS - THE NEWSLETTER) readers to put pen to paper, and witness the magnificence of compounding. One rude-dude wrote to say that was what he was paying ME for and I guess I cannot really quibble with that - except as previously stated we, had already presented this data!

Granted, ’twas over ten years ago in our July 1996 edition, but for him and the rest of the lazy louts who haven’t bothered to do it, I’ll be nice and reproduce it for you again. Just do not expect me to repeat it until 2016! Incidentally, do not take my word for the value of understanding all this:

Albert Einstein said (of the phenomenon of compounding interest): ‘’It is the greatest mathematical discovery of all time!'’ Here is how one lowly red cent can make you a multi-millionaire in just 30 days, with 100% compound interest:

DAY AMOUNT

1…..: .01

2…..: .02

3…..: .04

4…..: .08

5…..: .16

6…..: .32

7…..: .64

8…..: 1.28

9…..: 2.56

10….: 5.12

11….: 10.24