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Archive for September, 2010

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For the past several years one subject has been coming up quite often and has really started to be quite a hot topic. The subject is a fat known as CLA which stands for Conjugated Linoleic Acid. According to the rumors this stuff will cure cancer, lower your cholesterol and decrease your body fat especially around the middle all at one time. Kind of like the superman of fats.

It was about 1990 when I first heard about the benefits of CLA, but there were much more pressing matters at the time. Several years later I read some short articles in a couple of Natural Health Journals. It seems that CLA was being tested in the treatment of certain cancers and that the side effect was a loss of weight. The studies then were far too small to be considered acceptable proof of much of anything other than the stuff warranted further study. At that time most people were wondering what would happen to ephedra, so little attention was paid to CLA.

What is CLA?

CLA, Conjugated Linoleic Acid is actually a mixture of positional or geometric isomers of the omega-6 polyunsaturated fatty acid linoleic acid. Apparently there are a number of different isomers and most studies have used mixed isomers. The fact that these studies used mixed isomers may have contributed to the differences in results of the various studies. Certain isomers seem to be more active than others.

Some problems in verifying the research may also lie in the possibility that different isomers of CLA have different physiological effects on the body and may react differently in obese as opposed to “normal” weight individuals.

CLA has been said to be useful in weight loss, cardiovascular disease prevention, diabetes, and cancer treatment. For our purposes here we will only discuss whether or not it works for weight loss and especially fat loss.

Does it work?

It would appear that there is some validity to the claims that CLA reduces body fat and that CLA can be a good supplement to assist in fat loss for the overweight and obese person. More and more studies have been done and are being done and it would seem that CLA comes out on top each time. In fact I haven’t yet seen a study which disputes the claim of earlier researchers that CLA reduces bodyfat. It also would appear from many studies that it appears to help most with abdominal bodyfat.

I have seen such noted names as Josh Bezoni, and Dr. Williams write articles in favor of CLA, and I have to agree with their opinion at this point.

The most common method of obtaining CLA is by purchasing it as a supplement, however blue, brie, Edam, and Swiss Cheeses are also good sources of CLA. I read that beef from Australia contain a higher level of CLA since these cattle graze on open range. If this is true then it may follow that the beef from Arizona and New Mexico would also have higher levels since there is more open range in that area of the US. I have not seen any data that would indicate that.

CLA can be purchased at most health food stores and on line at VitaCost and other online stores. Be sure to get the highest quality from a company you know and trust.

Below are the results of some studies I found in the Micromedix files at the hospital where I work.

A. IMPORTANT NOTE

1. The dosing of dietary supplements is highly dependent on a variety of factors such as quality of raw materials, manufacturing process and packaging. Since no official standards have been established to date to regulate the production of dietary supplements in the United States, dosage ranges must be employed as guidelines only.

B. ORAL Dose

1. WEIGHT LOSS: 1.4 grams to 6.8 grams daily. The average dose is 4.2 grams daily (Mougios et al, 2001; Riserus et al, 2001; Smedman & Vessby, 2001; Blankson et al, 2000).

a. Conjugated linoleic acid (CLA) 0.7 grams daily for four weeks followed by 1.4 grams daily for four weeks reduced body fat percentages by 5% to 6% in 22 adult volunteers during the higher dose supplementation period. A significant decrease in the sum of thickness of ten skinfold measurements and percentage body fat and fat mass was observed during the period of 1.4 grams CLA daily as compared to placebo (p less than 0.001). None of these parameters changed significantly during the entire study period, nor were any significant differences in any anthropometric parameters found between the treatment and control groups. A significant decrease in HDL-cholesterol (p = 0.0056), as well as a trend toward lower triacylglycerols and total cholesterol, was observed during the low CLA period (Mougios et al, 2001).

b. Conjugated linoleic acid (CLA) significantly reduced sagittal abdominal diameter (SAD) as compared with placebo in a double- blind, randomized, placebo-controlled study of 24 abdominally obese men. Subjects received 4.2 grams CLA daily or placebo (olive oil). After four weeks of supplementation, a significant reduction in abdominal adipose tissue was seen in the subjects treated with CLA (p = 0.041). Other measurements of anthropometry or metabolism showed no significant differences between the two groups (Riserus et al, 2001).

c. Conjugated linoleic acid (CLA) decreased body fat by 3.8% in a randomized, double-blind, placebo-controlled study. Body weight, body mass index (BMI), and sagittal abdominal diameter were unchanged. Fifty-three nonobese, normolipidemic subjects received CLA 4.2 grams daily or placebo (olive oil) for 12 weeks. No differences were noted in serum lipoproteins, nonesterified fatty acids, or plasminogen activator inhibitor 1 (PAI-1). A trend toward increased glucose levels was seen in the CLA-treated group as compared to the control group. The diverging results of this study, as compared to others, could be due to the use of different isomers or differing effects of CLA on obese as compared to normal weight individuals (Smedman & Vessby, 2001).

d. Conjugated linoleic acid (CLA) significantly reduced body fat mass in a twelve week, randomized, double-blind, placebo- controlled study of 60 overweight or moderately obese individuals. Subjects received placebo (9 grams olive oil daily) or CLA 1.7, 3.4, 5.1 or 6.8 grams daily in addition to olive oil to bring the total fatty acid intake to 9 grams daily. After twelve weeks of treatment, no group showed a significant reduction in weight or body mass index (BMI). However, a significant reduction in body fat mass (BFM) was seen with CLA 3.4 grams (p = 0.05) and 6.8 grams daily (p = 0.02). A trend in all CLA groups was seen toward increased lean body mass (LBM) but this was only significant with CLA 6.8 grams daily (p less than or equal to 0.05). Since subjects were exposed to either light or intensive exercise training during the course of the study, the authors point out that it is difficult to distinguish if the increase in LBM was due to CLA or training activities (Blankson et al, 2000). References:

Basu S, Riserus U, Turpeinen A et al: Conjugated linoleic acid induces lipid peroxidation in men with abdominal obesity. Clin Sci (Lond) 2000; 99(6):511-516

Blankson H, Stakkestad J, Fagertum H et al: Conjugated linoleic acid reduces body fat mass in overweight and obese humans. J Nutr 2000; 130(12):2943-2948

Mougios V, Matsakas A, Petridou A et al: Effect of supplementation with conjugated linoleic acid on human serum lipids and body fat. J Nutr Bio 2001; 12:585-594.

Smedman A & Vessby B: Conjugated linoleic acid supplementation in humans-metabolic effects. Lipids 2001; 36(8):773-780

Conclusion:

CLA appears to be an effective supplement to assist in the loss of bodyfat. It could be a good addition though not a substitute for a quality nutrition and exercise program.

Disclaimer:

This report should in no way be considered medical advice. The suggestions and/or techniques described in this report are for informational purposes only. If you are ill or injured you should see your primary healthcare professional immediately.

About the Author: Jerry Goodwin is an avid cyclist that operates a bicycle repair shop inside Books&More on the square in Moultrie Georgia. In addition Jerry races in the Golden Olympics and races BMX with his grandsons at Chehaw BMX in Albany Georgia.

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Portable two way radios are a convenient and relatively low priced means of communication. Two way radios are transceivers – that means they can both receive and transmit messages simultaneously. They are unlike broadcast receivers (such as the ordinary radio) which only receive messages or signals. A good example of the two way radio concept is the mobile phone and the hand held radio referred to as the walkie talkie. There are different categories of portable two way radios and each has its benefits and the circumstances for which it is most suitable.

The conventional portable two way radios operate on a fixed RF (radio frequency) channel. Even where a two way radio has the ability to tune into more than one channel, the user is required to select only one since the radio can only operate on a single channel at a time. Radios with multiple channel capability have a button or a channel selector as part of their control panel. Often, the frequency regulator responsible for a certain area will allocate different channels to different organizations. For instance, one channel can be assigned to a cab company in order to facilitate communication between the dispatcher and the taxi drivers.

A trunked radio is another type of portable two way radio – it uses a set of pre defined rules to automatically pick the radio frequency channel on its own. Digital versions of the trunked radio have the ability to multiplex – in other words, they can handle multiple conversations using the same frequency channel.

The other type of portable two way radio is the duplex radio. It can transmit and receive messages on different frequency channels. Equipment used for communication in a duplex system can only function where there is certain core infrastructure such as a repeater and a base station. The base station is used to re-transmit the signals received from one portable radio to the others as long as both radios are within the range of the base station’s signal reach.

There are three types of duplex system radios – the half duplex that requires the user to press a push button before relaying a message, the full duplex which can simultaneously receive and transmit signals and the hybrid duplex which applies both the half and full duplex systems. The advantage of this type of radio is its ability to extend the geographical area within which communication takes place between the end users.

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There’s an important lesson all wealthy people understand: No one ever got rich just by saving money. Or, put another way, paying off debt is not the same as accumulating assets. I stress this because many people think they will be better off financially if they eliminate their mortgage. But this is not automatically true. Despite the fact that millions of Americans believe this to be true, does not make it true as many have been ill advised and you need to know why.

It was once rational to fear your mortgage. Mortgage-anxiety, is rooted in a harmful event referred to as a “mortgage call.” This contract provision allowed banks to call a loan due in full, at anytime, without cause and with only thirty days notice! During the Great Depression, banks called countless loans due in a desperate attempt to recapitalize. Consequently, few people could respond with the cash for the entire loan and the banks foreclosed on millions of homeowners regardless of whether or not payments were current. Fortunately, the banking industry abandoned this “Call” feature decades ago. Despite protective mechanisms in place to avoid a similar event and the passage of some seventy years, Mortgage-anxiety remains and seems to be passed on from generation to generation like tradition. My parents paid off their home in time for retirement so I must do the same is the thinking. Never mind the lack of money to live on and the loss of tax deductions to offset retirement income that is taxed as ordinary income. Does this really sound like a wise proposal to aspire to?

Today the mortgage industry has tools to create wealth like never before, the sophisticated consumer demands nothing less. There are a number of Pick-a-payment Mortgages (aka Option Arms) that create opportunity when used with confidence and purpose. This type of mortgage product allows you to choose between four payment options each month. The options are a 30-year payment, a 15-year payment, interest only or minimum monthly payment, which has a low start rate (currently 1.0 % to 4.95% depending on the homeowner’s, credit, income and other market factors). You can match your loan payments to your variable or seasonal income and begin using the saved income to create wealth. They even have 40-year payment plans but these need to be evaluated carefully as sometimes these products have been proven to be nothing more than hype with no real planning efficacy.

Options Arms use a monthly Adjustable Rate concept to determine the actual rate of interest charged. The loan is linked to one of various indexes like the Cost of Funds Index (COFI), Certificate of Deposit Index (CODI), and Cost of Savings Index (COSI) which are cost indexes and less volatile as opposed to the Monthly Treasury Average (MTA), or the London Interbank Offered Rate (LIBOR) which are market indexes and subject to the volatility of the market. A loan consultant can determine the index and program that best fits your individual financial situation. Fixed percentage points (the “Margin”) are added to the index and establishes your effective interest rate and monthly payment. It is wise to understand the recast period and note rider because using the minimum payment defers interest and principal and increases the size of the loan. Many foolish advisors are putting people on the wrong index or with the wrong bank because they don’t know enough to examine the note riders. Fortunately, I’ve had the ability to create proprietary loan products that are designed specifically for our clients that slows down the acceleration of recast. Many advisors only have what is common and on the shelf to plan with.

In looking at our clients there appears to be two types that hate mortgages: those who fear them and those who believe that mortgages cost them huge amounts of money in interest charges. We’ve already resolved the fear issue, so let me dismiss the myths surrounding the interest question.

Carrying a mortgage does not cause you to lose any money at all. In fact, just the opposite is true: carrying a mortgage can be quite profitable, while eliminating the mortgage can force you to give up profitable opportunities. If you value asset protection you’ll get the equity out of your home and place it where it is not desirable for a creditor to access it.

This second group of people, the ones who hate rather than fear mortgages, hate them because they know over the life of a 30-year loan; they will spend much more on interest than the purchase price of the house.

EXAMPLE:

Jane is going with a 30-year loan; she will spend nearly $159,000 in interest (plus $120,000 in principal) on a house that cost $120,000. You want to save money in interest, so to minimize your costs; you take all the steps to pay the mortgage off early. Then, with that issue resolved you start to focus on retirement and do your best to save regularly. As a result, you’ll fail to accumulate wealth and can’t figure out why.

The reason is simple but not often clear. By tackling the mortgage issue first and your retirement goals second; you fail to consider the role that a mortgage plays in building wealth. You won the battle to reduce interest but the wealth accumulation war is lost.

Here’s why!

You know that by reducing the mortgage payment, or even paying off the mortgage completely, you save lots of money in interest charges. While that is correct, you are ignoring another, equally critical fact: Every extra dollar you give the bank on principal, is a dollar you did not invest.

This is a critical point. Mortgages today cost 7.5% to 8.5% (depends on credit score). Over the next 30 years, on an average annual basis, can investments earn at least that much? Absolutely. Even long-term government bonds pay nearly that amount, and non-speculative stocks have been averaging 11.2% since 1926, with the exception of a few recent years. But giving your money to the bank to avoid a 7% to 8% simple interest charge denies yourself the opportunity to invest that money where it might earn 9 to 10% tax deferred at compound interest. Therefore, by looking at individual trees, you fail to see the forest because simple interest and compound interest carry very different results over time.

EXAMPLE:

Rob has a low rate $132,000 first mortgage on his home that is worth $285,000 dollars. Since Rob works with a professional advisor, he decided to get a home equity line (HELOC) for $70,000 at 5% and invest it through his advisor in a tax advantaged savings account with a guaranteed product that has consistently produced at least a 8% growth annually and has principal protection. The $70,000 investment with an 8%+ override will make a significant contribution to Rob’s retirement, especially once compound interest kicks in. Even if your borrowed mortgage money is 8%, you’ll win every time if you understand the economics.

The irony is that some people feel they are making a good “investment” by paying off their home loan. You need to remember that your home will grow in value over the next 30 years (national average is over 6% per year), whether you have a mortgage or not.

Think about it. When you sell your house, does any buyer care what your mortgage balance is? Of course not. Neither does the IRS when you calculate your taxable gain or loss. The simple truth is that mortgages do not affect home values.

Therefore, you have a choice. You can pay cash to buy a $200,000 house, enabling you to own it outright, or you can buy that house with 20% down. Let’s explore each of these scenarios and see which is better at helping you achieve your true goal of accumulating wealth.

Tale of Two Sisters – Julia and Jean.

Julia just received $200,000 from the sale of her prior house. Or maybe she exercised some stock options, or got an inheritance, or received an insurance settlement. It doesn’t matter where the money came from. The point is, she has money and wants to buy a new home which costs $200,000. Julia decides to pay cash for the house. This takes all her cash, but it lets her avoid mortgage payments. In 30 years, her house will be worth $600,000, assuming it grows at the rate of only 3.5% per year. Pretty smart, she figures.

However, Jean takes a different approach. Jean too has $200,000 in cash and she also wants to buy a $200,000 house, But Jean puts down only 20%, or $40,000, obtaining a $160,000 mortgage. The monthly payment could be as low as $587.00 $1,064, but it really costs Jean less than that because the mortgage interest is tax-deductible (something Julia failed to consider), and the tax savings reduce her monthly mortgage bill by $240, making her net payment just $824 per month. Alternatively, Jean could choose to make a minimum payment of $587.40.

To help make those monthly payments Jean invests the remaining $160,000 she didn’t give the bank, and earns 10% per year on her money. Yes, she has to pay taxes on those profits and she does – but at the 20% long-term capital gains rate, not the 28% ordinary income tax rate.

Thus, Jean earns a monthly after-tax return of $1,067. After paying for the loan, she’s got $243 per month left over, which she reinvests. After 30 years, Jean (like Julia) has a house worth $600,000 (and, like Julia, it’s fully paid for by then). And that’s not all. Jean also still has her original $160,000 as well as another $550,000 from investing $243 per month over 30 years. So, while Julia has a home worth $600,000, Jean has a similar home plus $710,000 in cash from investments.

Julia figured that getting a mortgage was one thing and tax preparation another – so she failed to consider both issues simultaneously to her detriment. This fact saved Jean another 8% because she paid taxes at the 20% rate while Julia paid her taxes at the 28% rate!

Julia wanted to avoid the expenses of a mortgage. Jean wanted to accumulate wealth – and if doing so meant carrying a mortgage, Jean was willing to do it. The result? Jean’s net worth is $1,310,000–more than twice as much as Julia’s!

So don’t fret about all the interest. Focus instead on investing and all the money you’re able to earn as a result of not giving all your money to the bank. But if this monthly payment is still bothering you, let’s do some time traveling. You’ll see how much FUN it is to carry a mortgage. In 1970, homes cost an average of $23,400 and 30-year fixed-rate mortgage was 6%. The monthly payment, assuming no money down: $140.

Also, remember that the average monthly income back then was just $646. In other words, that $140 mortgage was as challenging to people then as your $1,000, payment is to you now. And in 20 years, you’ll be teasing your kids about your “low” payment because incomes and housing prices will be much higher – just as today’s wages and prices are much higher than those in 1970!

It’s also very important to remember that mortgage payments get cheaper over time (even though they never actually change), because the payment amounts are fixed while your income grows. So don’t worry about your big payment. It won’t seem big forever.

For all these reasons, the 30-year mortgage is better than one that you pay off in just 15 years (or a 40 year could be better than a 30 year). It also explains why bi¬weekly mortgage plans are not great ideas unless you insist on paying the mortgage early! You see, the more you pay in principal and the quicker you pay off your loan, the less you have to invest. If you don’t know how long you’re going to be in the property and have an eye on moving up, you should use a tool that allows you to make a minimum payment.

NOTE: Some readers will be skeptical of this example. They will claim that Julia can invest $824 per month more than Jean, because Jean is making a mortgage payment that Julia has avoided, and that this advantage will enable Julia to accumulate more money than Jean over 30 years. Sorry, but that’s not true. Even though Julia can invest $824 per month, Jean gets to invest $160,000 right now. And the results: By investing $824 per month at 10% per year for 30 years, Julia would have $1.86 million. But by investing $160,000 today for the next 30 years, also at 10% per year, Jean will have $3.17 million – far more than Julia will. No matter how you handle it, carrying a mortgage enables you to produce greater wealth.

So, Lets Review…

1) You get no tax break when paying the bank principal. You save on taxes only when you pay interest or if using a minimum payment with a Pick-a-Payment mortgage, the imputed interest.

2) Money you invest is taxed at a lower rate than your savings from tax-deductible interest. Therefore, you want to maximize your interest payment while minimizing your principal payment.

3) Money you give to the bank is money you’ll never see again–unless you refinance. If you think this notion is evident, thousands of consumers report that the reason they’re hurrying to pay off their mortgages is so they’ll be able to borrow against the equity later to pay their kids’ college tuition. Talk about a wacky strategy! These folks are struggling to give the bank all their money now merely so they can borrow it in the future! They should be investing their cash to earn competitive returns, eliminate inclusion by financial aid at the college (certain assets are outside the inclusion formulas) that remains available for use whenever needed?

4) You don’t earn any interest on your equity and when you need it, it might not be available to you. If you ever suffer a job loss, major medical, home destruction (Katrina) or other financial crisis, you could find yourself unable to get a home loan. That’s because lenders don’t like to lend money if you are in financial difficulty. It is really more conservative to get a big mortgage now, before you need it – while you still can.

5) The best way to achieve a “free & clear” title, if you really want it, is by mortgaging your home to the maximum allowable by your income. Increasing the loan, investing the equity and then accumulating enough to pay off the debt is possibly the quickest method to eliminate a mortgage. Modest assumptions show it to be much faster than a 15-year mortgage that sends more money to the bank.

6) Mortgages don’t lower home values. Your house will grow in value (or not) whether or not you have a mortgage. In fact, most people discover that, over time, their mortgage balance falls while their home value rises – creating substantial wealth they never expected.

7) Your mortgage is the cheapest money you’ll ever buy. Most people need to borrow money during their lives, so why pay 22% to credit cards when you can borrow at rates of 8% or even less? Using this money for investments, not speculation like the stock market will allow you to arbitrage these dollars. When you consider what an effective interest rate is and place that side-by-side with compound interest, you can win every time even if you only earn less on the money than you pay for it initially. In other words, the simple interest on the lending side will be defeated by the compound interest on the investing side over time.

If nothing else convinces you, consider this: my clients are among the most financially successful Americans. They carry a mortgage confidently and with purpose. If you want to build wealth like they do, it’s time you start managing your money the way they do. Starting with your mortgage.

The Critical Component!

You can see the path – but how do you get there? It’s available, but it takes SELF -DISCIPLINE and a financial strategy, plus high-quality investment advice.

“The Best Rate on the Wrong Strategy Can Cost As Much Money as a Bad Rate”

If you don’t have an asset protection and financial strategy using your mortgage, we invite you to contact Legal Wealth Conduit and start strategically planning your future and your retirement.

James Burns

Attorney at Law

Legal Wealth Conduit

“Private Client Services”

18662 MacArthur Blvd.,

2nd Floor

Irvine, CA. 92612

www.houseofdollars.com

PH: (949) 440-3243

Fax: (714) 464-4448

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