Saving, investing and making money with technology

Month: December 2015

Are You Prepared For Retirement?

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KEN FISHER is the founder, CEO and Co-Chief Investment Officer of Fisher Investments, a multi-billion dollar money management firm serving large institutions and high net worth individuals throughout most of the developed world. Perhaps best known for his prestigious Forbes “Portfolio Strategy” column, Ken’s 30 years of high-profile market calls make him the third longest-running columnist in Forbes history. His Forbes market forecasts are among America’s most accurate as measured by independent third-party CXO Advisory Group**.

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Snapchat, Jessica Alba could put sexy back in the IPO market

Welcome to the silly season of initial public offerings, that slow news, end-of-year, holiday-infused time to speculate about which companies might hit the stock market in 2016.

The number one name on the tip of every speculator’s tongue is millennial messaging sensation Snapchat. The popular app, with over 100 million users at last count, said back in May that it planned to go public sooner or later and has since been hiring the kind of seasoned financial types that are needed to make that happen.

Conveniently, a Snapchat IPO could be just what the tech IPO market needs to snap out of its doldrums. By some measures, 2015 has been the slowest market for tech companies going public since 2009. And with half of the deals that did get underwritten now trading below their IPO price — hello, Etsy (ETSY) — there has been little holiday cheer to go around. The fast-growing, well-known, sexy L.A. company might be able to lift the gloom with a big deal that trades well. Then again, some said that about Square (SQ)… and Tinder (MTCH) …and Box (BOX).

Other big names getting bandied about include Jessica Alba’s organic diaper purveyor The Honest Company, glasses seller Warby Parker, and audio hardware maker Sonos.

But, again, it’s too soon to know whether any of these relatively famous names will crack the 2016 IPO rolls. A lot will depend on the stock market. Most already public tech companies had a mediocre year or worse and, as noted, recently public companies have done even worse. A little euphoria and higher valuations would do wonders to attract more of the big names.

Meanwhile, CB Insights has been tracking the universe of private companies and finds over 500 that may be getting close to going public. The firm’s list includes some of the well known companies mentioned above, though not Snapchat.

“That’d be a surprise, to be honest, for 2016,” says Anand Sanwal, CEO of CB Insights. “Most of the names we’re seeing are enterprise or b2b focused.”

Among the most likely candidates, according to Sanwal’s firm, are less in the public eye and more focused on making other businesses run, like Actifio. The Waltham, Mass., company offers cloud file storage services to corporations like Dell and Time Warner. Another likely IPO-er is Okta. Its cloud service enables employees at companies like Del Monte and MGM Resorts to sign into all corporate services through a single cloud-based sign-on, making life simpler and more secure, at least in theory.

A few tech companies have recently filed IPOs, making them among the most likely to go public early in the new year. Nutanix, which makes storage systems, wants to raise $200 million according to a Dec. 22 filing. And Dell unit Secureworks filed for a spin-off IPO worth $100 million on Dec. 17.

And what about the real big game? The Ubers, the AirBnbs, the Xiaomis? All are valued in the tens of billions of dollars by their venture capital backers. None seem exactly eager to go public. But in the silly season, all speculation is fair game.

And no company trades on a U.S. exchange under the ticker symbol “SNAP” or “U” — at least not yet.

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Tips For Investing In Your Business Marketing

If you want to have a successful business it is important to market yourself and your business, and to do it in every single way possible. That means online and offline advertising. While there are some ways to market for free, you still need to invest money in your business through your marketing ideas.

There are many ways to market a business, through social media, blogging, and even advertising online. You may also want to advertise locally and even purchase brochures and business cards. Here are some ideas of where to invest and where to market your business in order to breed success.

Marketing Online

There are many ways to market online, from marketing your blog content to using social media to reach out to people. By marketing online you reach more people in more places than you possibly could by just marketing locally, which can help grow your business, as long as you are doing a good job marketing.

Use social media to reach the most people and to get on a more personal level with people. You should also have a business blog set up, which is a great way to show people your expertise in whatever field your business is in. Blogging and social media are pretty much the keys to online marketing nowadays.

Paying For Advertising

While you can basically advertise your business for free on social media, you may want to pay for some advertising as well. Facebook has paid ads where you can boost your posts or get displayed right in people’s news feeds. You can also invest in Google Adwords, which is a great way to get found.

Local Marketing

Not only do you want to advertise online, you also want to advertise locally. No matter what your business is, from web design to homemade soaps, advertising locally gets your products and services known locally and can bring you more sales.

Local marketing can be business cards, handed out or left in strategic areas, or an ad in the local paper. You may also want to create brochures to put out at places, including the local Chamber of Commerce.

Buying Promotional Products

Another way to advertise locally is to purchase promotional items that can be given out to clients, workers, or even at trade shows. People love free stuff, so promotional items are a great way to get your name out there on foot. Try pens, hats, shirts, or even coffee mugs.

Promotional products are an investment, but they are worth the money. For reference check out Quality Logo’s article on the top promo products of 2015.

No matter how you plan to market your business, advertising is the key to attracting clients, and giving them great products and service is the best way to keep them.

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How 1 Man Made 100 Times His Money After Age 50

G

I never thought getting old was fun (I’m over 50).

“Over the hill!”

“Past your prime!”

Those were phrases I used to think about all the time. But that all changed on May 2nd of this year.

Suddenly, the fog had been lifted. Within a few hours, my outlook had completely changed.

You see, I had just been in the same room as another “senior citizen” who had made 100 times his money after he blew out the candles on his 50th birthday cake.

You may have heard of him. His name is Warren Buffett — the billionaire investor. That’s right, Buffett had less than 1% of his current fortune at the time he turned 50!

So you can imagine how excited I was to find myself in the same room as Warren Buffett himself in early May 2015.

Buffett fielded questions from those in the room for nearly 6 hours!

The catch was: I wasn’t allowed to record any of it. No audio. No video.

I tried to write down every single word Buffett uttered. Over 10,000 words! My hand ached.

But boy was I glad I did! Buffett shared his master strategies that older Americans can use to build wealth later in life. Even if they need to catch up. And even if Wall Street gets clobbered again.

This was one of the most important things that ever happened to me. That’s why I want to share those strategies and tips with you today — so you can learn exactly how Buffett made 100 times his money later in life.

I’ve gathered everything I discovered from Buffett, distilled it down to 11 simple steps, and put it in the exclusive, free report you can find below.

It’s free to you.

Millions of Americans have nothing saved for retirement. Millions more plan on relying on programs like Social Security to fund their golden years. Fortunately, there may be 11 simple steps you can take to find a better way!

All of the details are in this brief (and free) report that shows you exactly how you could position your portfolio, just enter your email below.

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3 Little-Known High-Dividend Stocks That Are on Track to Deliver Stellar Earnings

Editor’s Pick: Originally Published Monday, Dec. 21

We often don’t notice the opportunities right in front of us. If you know where to look, you can find hidden gems in the market. The key is to grab them ahead of the crowd.

Here are three stocks that offer value, growth and income. You should consider buying these under-appreciated equities, as you re-position your dividend portfolio for 2016. Let’s take a look.

MHLD Chart MHLD data by YCharts
1. Maiden Holdings Ltd. (MHLDGet Report)

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Maiden Holdings provides reinsurance, insurance products and services to the regional and specialty property and casualty markets. The company’s markets are Europe and the U.S. The company has exhibited a continued ability to clock solid operating earnings and double-digit operating returns, despite the prevalence of a challenging environment.

Must Read: Jefferies Picks 17 Favorite U.S. Stocks for 2016

During the third quarter and the first nine months of 2015, Maiden reported an operating return on common equity of 11.3% and 11.8%, respectively. It also displayed growth in invested assets and resilient year-over-year growth in investment incomes. For the first nine months of the year, gross premiums written were up 12% to $2.1 billion.

Let’s get down to why we like Maiden Holdings, and why it should be a part of your long-term income investment strategy.

First, the stock trades at attractive valuations. Its trading at about 7.3 times forward earnings compared to competitors like Swiss RE AG (10.8 times), Hannover Rueck SE ADR (nearly 8 times) and Arch Capital Group Ltd (17.1 times).

Second, Maiden Holdings sports a chunky 3.56% annual dividend yield. The high yield is not artificial since the stock has gained over 14% this year. It has more than doubled its annual dividend payouts from 26 cents a share in 2010 to an estimated 53 cents a share in 2015.

Third, the company offers solid growth prospects. Annual revenues are estimated to grow by 11% in the fiscal year 2015 over the fiscal year 2014. For 2016, top line growth is projected at about 6%.

More importantly, earnings-per-share (EPS) for the fiscal year 2015 will come in at about 3% but then go on to accelerate to over 30% for fiscal year 2016.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks with serious upside potential in the next 12-months. Learn more.

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Money Minute: The best things to buy after Christmas

Smart shoppers know to save their shopping for after-Christmas sales. I’ll tell you what to buy in this week’s Money Minute:

New clothes and shoes. If you missed all the great deals on apparel during Cyber Monday, no worries. After-Christmas sales can be even better. Stores are desperate to get rid of their holiday season stock, so this is your chance to update your wardrobe before spring. Nearly half the deals tracked by Dealnews.com last year featured apparel.

Holiday decor. Nobody wants to buy a $30 holiday candle…. but a $30 candle on sale for 5 bucks? That’s more like it! Stock up on all the decorations, gift wrap, candy and greeting cards as you can after Christmas. Then store it somewhere safe until next year.

Electronics. In early January, gadget makers gather at the Consumer Electronics Show to debut new models. When they do, you can bet retailers will slash the prices on last year’s models. And that’s your cue to pounce on deals.

More money questions? Check out Ask Yahoo Finance on Tumblr.

Mandi Woodruff is a reporter for Yahoo Finance and host of Brown Ambition, a new podcast about career and finance

Smart shoppers know to save their shopping for after-Christmas sales. I’ll tell you what to buy in this week’s Money Minute:

New clothes and shoes. If you missed all the great deals on apparel during Cyber Monday, no worries. After-Christmas sales can be even better. Stores are desperate to get rid of their holiday season stock, so this is your chance to update your wardrobe before spring. Nearly half the deals tracked by Dealnews.com last year featured apparel.

Holiday decor. Nobody wants to buy a $30 holiday candle…. but a $30 candle on sale for 5 bucks? That’s more like it! Stock up on all the decorations, gift wrap, candy and greeting cards as you can after Christmas. Then store it somewhere safe until next year.

Electronics. In early January, gadget makers gather at the Consumer Electronics Show to debut new models. When they do, you can bet retailers will slash the prices on last year’s models. And that’s your cue to pounce on deals.

More money questions? Check out Ask Yahoo Finance on Tumblr.

Mandi Woodruff is a reporter for Yahoo Finance and host of Brown Ambition, a new podcast about career and finance

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Federal Reserve will pay banks $12 billion in 2016

In 2016, the Federal Reserve will pay at least $12.2 billion to U.S. and foreign banks to keep the money created via its quantitative easing programs out of the economy. If the Fed raises rates as expected next year, the amount nearly doubles to $23.1 billion.internetmoney

From 2008 to 2015, the Fed purchased over $4 trillion worth of bonds to stimulate growth in the economy. Risk markets responded, as is demonstrated by the close correlation between the S&P 500 and growth of the Fed’s balance sheet through its bond purchases.

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Federal Reserve

Federal Reserve

To sterilize the vast sums of money that would otherwise circulate throughout the economy and cause price inflation, the Fed pays an above-market interest rate of 0.50% to banks on reserves, or digital cash, held at the Fed. Currently, banks are holding $2.5 trillion at the Fed and are paid $34.5 million per day in interest.

The Fed has telegraphed its intent to raise rates in 2016, and analysts expect two to four rate hikes. Assuming the Fed raises rates four times‑-once at each of the meetings that are accompanied by a press conference–payments to banks at the end of 2016 would amount to $103.6 million per day.

In addition to paying interest on reserves, the Fed conducts daily auctions to drain cash from the economy and maintain a floor on short-term interest rates. These reverse repo operations pay 0.25% and have averaged $154 billion per day since the Fed raised rates on December 16.

The interest paid by the Fed to banks and funds that participate in the operations amounts to $1.06 million per day. If the Fed raises rates as expected in 2016, total payments would be $1.03 billion in 2016, which is in addition to the $23.1 billion paid as interest on reserves.

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Yahoo Finance, Federal Reserve

Yahoo Finance, Federal Reserve

After six years of near-zero interest rates, the Fed is in uncharted territory. Never before has a central bank attempted to raise rates after having provided so much stimulus and expanding its balance sheet to such a degree. The legacy of the Fed’s quantitative experiment is largess to banks and funds that will likely total $24 billion in 2016.

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Review: 5 ‘Smart’ Baby Gadgets That Claim to Make You a Better Parent

 

The author and his test baby (Photo: JR Raphael).

If there’s one thing I’ve learned in my first 10 months of being a parent, it’s that you need every advantage you can get.

Like most new dads, I learned this the hard way. I think that’s the only way possible — because when it comes down to it, there’s no real instruction manual for these blubbery little bundles we welcome into our lives. (I wish there were, because I’ve spent hours searching and still can’t find the “mute” switch for my 2015 model.) And all the books and blogs in the world couldn’t possibly prepare you for the perpetually damp, noisy, and sleep-deprived reality you’ve signed up for.

But hey, it’s 20-frickin’-15. We have virtual assistants that (sometimes) respond to our every demand and $10,000 hoverboards that (kinda-sorta) let you levitate. For Doc’s sake, there’s gotta be some sort of “smart” doohickey that makes raising a baby easier, right?

As a tech-obsessed dad, I made it my mission to find out. I searched wide and far for the most promising-sounding “smart” baby gadgets around, then went to work testing them on my stunning 10-month-old subject (while my wife bemusingly rolled her eyes and heckled me from the corner of the room).

So how’d it all turn out? Snap on your favorite onesie, and let’s find out.

Baby Gadget #1: Monbaby Smart Button

The short take: A $169 plastic button that goes on your little one’s jammies at night and sends ongoing data to your Android or iOS device. Kind of like a Fitbit for babies, with the added benefit of real-time alerts for things like rollovers, falls, and unauthorized disco dancing (come on — my daughter can’t be the only one…).

The baby test: Getting the Monbaby onto mon bébé was surprisingly easy — and while the wife and I were initially a little worried about our giggly, wiggly girl plucking the thing off her clothing and plopping it into her mouth, the button proved to be extremely secure and no cause for concern. Equally important, our progeny seemed blissfully unaware of the gadget’s presence on her person (even though it made her look like a miniature version of Iron Man, complete with — no joke — the option for a glowing red light in her core).

So off to sleep she went, and off to our living room lair we galloped to covertly observe her activity. Seeing our tyke’s stats on our tablet’s screen was surprisingly satisfying: The Monbaby app showed us whether she was on her back or stomach at any given moment and gave us a sliding-percentage-meter view of her ever-changing activity level (see “unauthorized disco dancing,” above).

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Why stocks are still the place to be in 2016

The six-year bull market seems to be at a crossroads, with rising interest rates, declining oil prices and a presidential election ahead.

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John Calamos Sr., Chairman, CEO and

Global Co-Chief Investment Officer of Calamos Investments, which has more than $23 billion of assets under management, told Yahoo Finance’s Alexis Christoforous in the video above that he is still positive on the economy and the markets for the next year. Calamos says the Federal Reserve’s modest increase in short-term rates was long overdue and indicates the economy will continue its pace of steady growth.

Stocks

Calamos takes a long-term view on investing and believes equities (^DJI, ^GSPC, ^IXIC) are still the place to be next year because historically stocks tend to do well during periods of rising rates, especially growth-oriented stocks.

“We are bullish on equities over the long-term. We do think it’s a slow growth environment that will continue into 2016… we do like equities over bonds in this environment that we’re in,” Calamos says.

Bonds

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On the fixed-income side, Calamos believes that rising interest rates create significant headwinds for traditional fixed-income securities such as government bonds (^TNX) and investment grade corporate bonds.

Convertible Bonds

Calamos, who is a pioneer in using convertible bonds to manage risk, explains in the video above how convertible securities combine the attributes of stocks and bonds, and why he thinks it’s a good way diversify one’s asset allocation.

“Convertibles have done very well in a rising interest rate environment. So we’re seeing a lot of traditional fixed-income investors put convertibles in their fixed income asset allocation, anticipating interest rates rising here.”

Oil

Calamos remains underweight in the energy sector and views the recent slide in oil prices (CLF16.NYM) as positive for the overall economy and the consumer.

Market Volatility

Calamos expects to see more stock market volatility over the next few months –not only because of monetary policy–but also because of upcoming key elections in the U.S. and abroad.

“The uncertainty of our fiscal policy going forward is going to cause market volatility,” he points out

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Coming Soon: A Smartphone App to detect Cancer

Newsletter #563
Lee Euler, Editor
[Image] Cancer Defeated logo
  Like Us on Facebook Web Version  | Subscribe | Back Issues | Resource Center | Feedback
About Cancer Defeated!

New Detection Method May Soon Tell
Your SmartPhone “You’ve Got Cancer”

Could you soon help guard your body from cancer with the help of a smartphone app?

It looks like that kind of development may be on the horizon, according to research at the University of Michigan and the National University of Ireland. Keep reading and I’ll explain. . .

Continued below. . .

Breast Cancer Survivor was told:
“You’ll be dead in a year”
(Pssst!! That was 12 years ago!)

Doctors didn’t give Wiltrude much hope when they diagnosed her with cancer in the year 2000. Wiltrude, a German psychologist, never thought cancer would happen to her. But it did. And it came as a big shock.

One doctor told her, “You’ll be dead in a year.” Late stage breast cancer is virtually incurable using conventional treatments. Even M.D.s admit it. They talk about “buying you more time.” (Don’t count on it. The evidence shows you’re better off doing nothing than chemo.)

When Wiltrude told her doctor she was going to try alternative treatments, he said, “You are committing suicide with what you’re doing.” But she was determined to find a way to beat her cancer.

Thanks to the wonders of the Internet, this European woman came across a book by my good friend Bill Henderson, one of the smartest and wisest people I know when it comes to cancer treatment.

She tried Bill’s top, number one recommendation — a gentle treatment you can do at home for just $5.15 a day. What’s more, the cost goes down to $3.50 after six weeks because you just need a maintenance dose. And it even tastes good.

Not only has Wiltrude passed the five-year cancer survival mark, she’s survived for 12 years. We just interviewed her recently for this publication. The radiologist who tests her every year told her, “You’re the only one with this kind of result.”

You can find out more about Bill’s proven cancer treatment plan if you click here.

When I ask him about some of the treatments that top alternative doctors use, Bill sort of shrugs and says, “They’re fine, but why bother? My treatment works, you can do it yourself, and it costs practically nothing.”

He’s coached thousands of cancer patients with all different types and stages of cancer. Most of the people who follow the detailed, specific plan in this Special Report get over their cancer and live for years.

“Almost any kind of cancer is reversible,” says Bill. “I never give up on anyone.”

Click here to learn more about Bill’s amazing cancer protocol.

 

In the first part of this scenario, scientists in Michigan are working on a cancer “trap,” a small, implantable device that can capture cancer cells from your blood. If the lab test results pan out, soon you could have the device placed just under your skin and your phone may be able to tell you if it has filtered out cancer cells that may potentially form tumors in your body.

Detecting a cancer come-back

Right now, the researchers are focusing on helping people who have already been treated for cancer and are at risk of suffering repeat episodes of the illness.

As I’ve discussed before, even after you’ve been treated for cancer and have been pronounced cancer-free, cancer stem cells can still lurk in your body waiting for the chance to invade your organs and start forming new tumors.1

The new device, which the scientists call a “super-attractor” for cancer, works like a sponge that mops up cancer cells that are spreading through your circulatory system. And there has been evidence shown to prove this. The cells it captures represent an early stage in the recurrence phase of cancer: cells that are looking for vulnerable organs to invade.2

Initially, the researchers are designing the trap to be inserted just beneath the skin of breast cancer patients, but they envision its use for other varieties of cancer like pancreatic and prostate cancer.

Cancer cells turn some immune cells against you

According to researcher Jacqueline Jeruss, who teaches surgery at the University of Michigan Comprehensive Cancer Center, the concept for the super-attractor originated in the observation that cancer cells don’t spread through the body in a random fashion. They are actually drawn to certain areas inside the body.

Starting with that knowledge, the team of scientists set out to invent a device that took advantage of this characteristic.

“We set out to create a sort of decoy — a device that’s more attractive to cancer cells than other parts of the patient’s body,” says researcher Lonnie Shea, a Professor and Chairman at the university’s Department of Biomedical Engineering. “It acts as a canary in the coal mine. And by attracting cancer cells, it steers those cells away from vital organs.”

The attractor exploits the relationship that develops between the cancer cells and the body’s immune cells. Cancer subverts the activity of the immune system, making immune cells do its bidding. It converts immune cells into passive drones that, at the cancer’s command, accumulate in target organs and shield those organs from the body’s immune defenses.

During this process, the immune cells under the control of the cancer cells also collectively send out a signal that pulls in cancer cells to the area where conditions have been rendered favorable for tumor formation.

Knowing all this, the Michigan researchers designed their attractor to be an alluring beacon that biochemically beckons to cancer cells.

Mopping up cancer

The physical structure of the spongy material that makes up the super-attractor is structured to be attractive to cancer cells that are circulating and looking for a place to take root. The material it is made of is a non-reactive, safe, porous substance that is already incorporated into a wide range of medical devices.

The trap is filled with a special substance called CCL22. CCL22 is what is known as a chemokine, a signaling protein that attracts immune cells called regulatory T-cells.

Under normal circumstances, regulatory T-cells moderate immune responses, restraining the immune system from getting overactive and attacking the body’s own structures. But, when cancer strikes, the cancer itself may emit CCL22, attracting regulatory T-cells that, in effect, tell the immune system to stand down and not attack the cancer cells.

In the super-attractor, the resulting collection of T-cells in turn lures cancer cells which then mistakenly identify the sponge as an attractive spot to gather.

In the lab tests on animals, the super-attractor has performed exactly as designed. Placed just beneath the skin of the animals, it initially attracts the T-cells which then start collecting cancer cells like flies to honey.

The lab tests show that once they’re in the attractor, the cancer cells attach and become rooted in the microscopic pores that have been created for their insertion. The researchers have also discovered that the cells that have been tricked into entering the implanted device do not gather together to form a secondary tumor as they would if they had entered one of the body’s organs.

“We were frankly surprised to see that cancer cells appeared to stop growing when they reached the implant,” Prof. Shea says. “We saw individual cells in the implant, not a mass of cells as you would see in a tumor, and we didn’t see any evidence of damage to surrounding tissue.”

Identifying cancer by type

Prof. Shea adds that eventually, as we become more adept at capturing cancer cells in this way, the captured cells could be evaluated to decide what treatment would be most effective against an individual’s particular strain of cancer.

And even though they’ve invented a super-attractor that is remarkably alluring to cancer cells, the researchers do not completely understand why it works so well. A better grasp of what makes this sponge such a cancer magnet may advance efforts to help the body fight metastatic cancer.

“A detailed understanding of why cancer cells are attracted to certain areas in the body opens up all sorts of therapeutic and diagnostic possibilities,” according to Prof. Shea. “Maybe there’s something we can do to interrupt that attraction and prevent cancer from colonizing an organ in the first place.”

Shedding light on cancer cells

When it comes to looking at the cells trapped in this device, a technological system known as optical coherence tomography (OCT) offers the strong possibility that your smartphone could soon be used to reveal the presence of cancer cells in the embedded implant.

First developed in 1990, OCT basically uses two streams of light waves to create images of microscopic structures on the surface of the body as well as below the skin. This non-invasive technique has long been used to scan the retina of the eye in order to detect the changes that can lead to eye disease.3

Researchers at the University of Ireland are using compact disk (CD) optical pick-up heads – the same basic devices found inside a CD player – to design a system that can be incorporated into smartphones to observe cancer cells inside the super-attractor.4

When the hunter becomes the prey

This research not only offers a novel way to detect cancer that might be inside your body, it is also shedding new light on the basic processes in play when cancer cells begin to hunt for organs to invade. That should expand our expertise at seeking out cancer cells and destroying these predators instead of waiting passively for tumors to become life-threatening.

Kindest regards,

Lee Euler,
Publisher

References:
(1) http://www.cancerdefeated.com/newsletters/Breast-cancer-breakthrough-announced.html
(2) http://www.nature.com/ncomms/2015/150908/ncomms9094/full/ncomms9094.html
(3) http://www.geteyesmart.org/eyesmart/diseases/optical-coherence-tomography.cfm
(4) http://spie.org/x113407.xml

Editor in Chief: Lee Euler Contributing Editors: Mindy Tyson McHorse, Carol Parks Webmaster: Holly Cornish Information Technology Advisor: Michelle Mato   Fulfillment & Customer Service: Joe Ackerson and Cami Lemr

 


Health Disclaimer: The information provided above is not intended as personal medical advice or instructions. You should not take any action affecting your health without consulting a qualified health professional. The authors and publishers of the information above are not doctors or health-caregivers. The authors and publishers believe the information to be accurate but its accuracy cannot be guaranteed. There is some risk associated with ANY cancer treatment, and the reader should not act on the information above unless he or she is willing to assume the full risk.

Reminder: You’re getting this email because you purchased a special report or book from us, or signed up for our free newsletter and gave us permission to contact you. From time to time we’ll alert you to other important information about alternative cancer treatments. If you want to update or remove your email address, please scroll down to the bottom of this page and click on the appropriate link.

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