The

Financial Ladder

1. Reckless overspending, high credit card balances, mortgage or rent payment over 40%+ of gross earnings, massive student loan debt and loves high end vehicles.  Has filed bankruptcy at least once and a portion of this out-of-control individuals has filed more than once.  No matter how high their earnings they continue to expand debt living paycheck to paycheck.

2. All debt payments compared to gross income is in the 40%+ range despite the difference from our first example rarely has any savings and only saves in his 401k the matching amount.  Most of the time financial living remains basically paycheck to paycheck.  Emergency fund is maintained by having low balances on credit cards.

3.) Discovers or all ready knew that paying interest is a looser for wealth building and that ever important piece of mind.  Debt snow balls his consumer debt and then builds six months plus worth of expenses emergency fund.  Starts his 401k and snowballs his percentage increases with every pay raise or promotion.  Has little investment financial education after his first real bear market only invests in ultra conservative mutual funds thus lowering his future returns substantially (all short term bonds and money funds all the time).

4.) Is consumer debt free, buys used cars cheap in cash and holds onto them as long as possible.  Mortgage (or paid off) or rent payments are way below his means and pushes his savings rate/investing with the goal of 50%+ of income. 

Devours investment books that stress a valuation approach; avoids YouTube presenters who push overly simplistic approach for all market conditions.

End's up a multi-millionaire living in a comfortable yet very middle class neighborhood driving average type cars with his friends or relatives having no idea how wealthy he has become.

DYI 

 

Insiders Admit What Your Doctor Never Will: Modern Medicine Is a Fraud

It’s worse than you think.

Dr. Wojak, M.D. May 20, 2025 In a sane world, widespread fraud, rampant conflicts of interest, the corrupt peer review system, and the replication crisis would be enough to convince anyone that medical science is fundamentally untrustworthy. I break these issues down in detail in this article. But most people aren’t persuaded by logic or evidence. They’d rather let perceived experts dictate their beliefs for them—especially in medicine, where appeals to authority routinely crowd out independent judgment. The Emperor Admits He Has No Clothes What follows is a compilation of damning admissions from some of the most authoritative figures in medical science—top editors of the world’s most authoritative medical journals: The Lancet, The New England Journal of Medicine, The BMJ, JAMA, and more. Short of study authors confessing outright fraud in their own work, these are the most credible admissions you’ll ever hear. Their statements expose a system corrupted by profit, conflicts of interest, and institutional decay—confirming what the data already shows: modern medicine is deeply compromised, most of the published research is junk, and your doctor cannot be trusted to know the difference. Your Doctor Is a Fraud Nearly everything doctors do—what they learn in medical school, what guidelines they follow, what drugs they prescribe, what procedures they perform—is based on research published in medical journals. The entire medical system is downstream from that literature. And doctors don’t verify this research themselves. They simply trust it. But here you have the editors-in-chief of the world’s most prestigious medical journals unequivocally admitting that the journals are corrupt and the research cannot be trusted. In other words, the most authoritative figures in medical science admit that the medical system is a sham and your doctor is a fraud. Doctor Junkies If you still have faith in doctors after this, it isn’t just willful ignorance—it’s profoundly self-destructive, if not outright suicidal. The Admissions First up is Marcia Angell, former editor-in-chief of The New England Journal of Medicine, where she was an editor from 1979 through 2000. She’s also a physician and currently a Senior Lecturer in Global Health and Social Medicine at Harvard Medical School. The New York Review of Books, “Drug Companies & Doctors: A Story of Corruption”, 15 January 2009 Next is Richard Horton, a physician who has been the editor-in-chief of The Lancet since 1995. He is also an honorary professor at the London School of Hygiene and Tropical Medicine, University College London, and the University of Oslo. The Lancet, “What is medicine’s 5 sigma?”, 11 April 2015 The Medical Journal of Australia, “Genetically modified food: Consternation, confusion, and crack-up”, 2000 The New York Review of Books, “The Dawn of McScience”, 11 March 2004 Arnold Relman was the longtime editor-in-chief of The New England Journal of Medicine. He was also a physician and professor of medicine at Harvard Medical School. He served as editor of NEJM from 1977 to 1991 and was the only person to have been president of the American Federation for Clinical Research, the American Society for Clinical Investigation, and the Association of American Physicians. BMJ, “Who pays for the pizza? Redefining the relationships between doctors and drug companies. 1: Entanglement”, 2 May 2003 Drummond Rennie is a physician who has served as deputy editor of The Journal of the American Medical Association since 1986. He was previously deputy editor of The New England Journal of Medicine and is currently an adjunct professor of medicine at the University of California, San Francisco. Journal of Law and Policy, “When evidence isn’t: trials, drug companies and the FDA”, July 2007 Richard Smith is a physician who served as editor-in-chief the British Medical Journal and chief executive of the BMJ Group from 1991 to 2004. He is currently director of the UnitedHealth Chronic Disease Initiative at Emory University and chair of the Cochrane Library Oversight Committee. He is also an honorary professor at Imperial College London and the University of Warwick, and a founding Fellow of the Academy of Medical Sciences. PLoS Medicine, “Medical Journals Are an Extension of the Marketing Arm of Pharmaceutical Companies”, 17 May 2005 Fiona Godlee is a physician and former editor-in-chief of the British Medical Journal, where she served from 2005 to 2021. She is a Fellow of the Royal College of Physicians and holds honorary positions at the Netherlands School for Primary Care Research and the University of Cambridge’s Institute of Public Health. CBC News, “BMJ editor Fiona Godlee takes on corruption in science”, 19 April 2016 Doug Altman was a professor at the University of Oxford and founding director of the Centre for Statistics in Medicine. He was a leading expert in medical research methodology and statistical analysis. Altman also served as chief statistical advisor to the British Medical Journal and was editor-in-chief of the journal Trials. He was a Fellow of both the Academy of Medical Sciences and the Royal Statistical Society. BMJ, “The scandal of poor medical research”, 29 January 1994 John Ioannidis is a physician and professor at Stanford University with appointments in Medicine, Epidemiology, and Statistics. Formerly chairman of the Department of Hygiene and Epidemiology at the University of Ioannina School of Medicine, he is a leading expert on research reliability and transparency. One of the most cited researchers in the world, he holds an h-index of 239 (Google Scholar, 2023). Ioannidis has served on the editorial boards of over twenty journals, including JAMA, The Lancet, and JNCI, and was editor-in-chief of the European Journal of Clinical Investigation. PLoS Medicine, “Why Most Published Research Findings Are False”, 30 August 2005 The Atlantic, “Lies, Damned Lies, and Medical Science”, November 2010 The Atlantic, “Lies, Damned Lies, and Medical Science”, November 2010 The Atlantic, “Lies, Damned Lies, and Medical Science”, November 2010 Peter Gøtzsche is a physician, co-founder of the Cochrane Collaboration, and former head of the Nordic Cochrane Centre, which he led from 1993 to 2018. Peter C. Gøtzsche, Deadly Medicines and Organised Crime: How Big Pharma Has Corrupted Healthcare, 2013 Peter C. Gøtzsche, Death of a Whistleblower and Cochrane’s Moral Collapse, CrossFit Health presentation, 8 June 2019 Final Thoughts You shouldn’t need establishment voices to think critically. But if that’s what it takes to break someone out of their trance, so be it. These insiders had little to gain and much to lose by making these admissions. It’s easy to defend a system that handsomely rewards you—much harder to publicly denounce the very machine you’ve spent your career supporting. If you’re still clinging to the belief that “science is self-correcting,” or that “peer review ensures quality,” or that “your doctor’s recommendations are grounded in solid science”—these quotes should shatter that illusion. For those curious beyond mere appeals to authority—and who want to know in more detail how so much of modern medicine is built on fraud and unreproducible junk—read my full breakdown in the article below. Medical Journals Are Corrupt and the Research Is Mostly Junk Dr. Wojak, M.D. · May 7 Even the top medical journals are little more than industry mouthpieces, churning out mostly junk. Believing otherwise would be like trusting cigarette ads from the 1950s.

 How to Use this Blog

Four Uncorrelated Assets

1.)  Stocks

2.)  Long Term High Grade Corporate/Government Bonds

3.)  Short Term Notes (Cash)

4.)  Gold – Precious Metals Mining Companies

Four Assets Correlated to Four Economic Conditions

1.)  Prosperity

2.)  Deflation

3.)  Recession

4.)  Inflation

1.)  Prosperity: Stocks become a clear winner during conditions of increasing employment, rising wages tied to increasing productivity along with rising profits.  Junk bonds (they trade like stocks) are also winners in this environment despite their low quality; the economy is so good interest and principal payments are made – defaults are minimum – and a positive climate for refinancing.  High quality corporate/ government bonds are secondary winners as prosperity is noted for stable or slowly declining rates.  Gold is generally a loser in prosperity as inflation is minimized and investors seek higher returns in more traditional investments.

2.)  Deflation:  Deflation is the decease in the general price level of goods and services.  The Great Depression is a standout example of deflation.  The general cause is when excess debt is built up in the private sector that can no longer be increased and/or maintained resulting in massive bankruptcies.  This creates an environment of panic as businesses scramble to become profitable by firing employees and cutting hours of remaining workers.  In this deflationary episode interest rates decline, prices decline, and the almighty buck rises in value against softer currencies.

Long term high quality corporate bonds and long term U.S. government bonds are winners in this type of economy.  Stocks, gold, and junk bonds generally will fall in price along with interest rates on short term notes.

3.)  Recession:  For DYI's purposes recessions are a period of increasing interest rates engineered by the Federal Reserve in order to quell inflation by slowing down an over heating economy.  This condition is temporary as the economy will either adjust to the new economic environment bringing back prosperity or a deflationary period will begin.

High quality corporate/government bonds, stocks, gold, and junk bonds are all losers in this scenario. Short term notes and money market funds are clear winner as their principal value remains steady plus the interest income improves with increasing interest rates.

4.)  Inflation:  Too much money chasing too few goods.  When Federal government liabilities become onerous from financing of war(s) and/or social programs that are too great to be paid by taxation governments will resort to money creation to pay the remaining costs.  After WWII, Korea, Vietnam and the war on Poverty inflation began slowly prices increased relentlessly (despite high taxes) as government liabilities expanded.  When President Richard Nixon closed the gold window (1971) the last vestige of inflationary controls were removed with inflation peaking in the high teens only until Paul Volker was appointed as Fed Chairman (August 79) who crushed inflation with high interest rates.

Stocks, high quality long term corporate/government bonds, junk bonds are all losers as inflation soars along with interest rate increases (despite the Fed's efforts to suppress them).  Cash (money market funds) or short term notes are neutral or slightly lag inflation rolling up to the higher interest rate quickly.

Gold is a winner when inflation breaks above 5%.  When inflation goes double digit gold is marked up in price to reflect the debasement of the currency.  Gold will also rise in price based upon fear of massive defaults as gold has no counter party risk.

 VALUATIONS DO MATTER

This investment approach is an offshoot of Harry Browne's Permanent Portfolio that maintains a fixed 25% invested in the above four asset categories listed above.  Harry's uncorrelated assets at the time was ground breaking.  Today it is taken for granted.  As much as I was impressed with Harry's work it always made me uncomfortable to always own 25% in each asset. When valuations are at extreme lows a greater percentage is called for and conversely at historical nose bleed levels significantly less (or none).

DYI’s approach working through our four assets and determining with a measure of accuracy the percentage invested depending upon long term valuations.  This is done by calculating our averaging formula for each asset.

If all three assets - gold, stocks, long term bonds, cash is our default position - are at fair or average value then each of the categories will be at 25% of the portfolio just like Browne's Permanent Portfolio.  However as prices move up or down from their respective mean our averaging portfolio will make the adjustment enhancing the overall return.  

Will DYI outperform the market??

Our primary goal is to outperform the Permanent Portfolio first.  Outperform the market?  Maybe? DYI's intentions is a 6% real return - as opposed to Browne's 4% - into your pocket with low volatility as opposed to our fully invested stock market investor.  In closing each of these assets stocks, long term bonds, gold and cash, all have their their moment of fame or shame.  Value players reduce or eliminate the overvalued assets and increase the undervalued; simple as that!     

DYI

 

Mortgage Rates

Move back to their Mean!

DYI:  

As worldwide Boomer generation continue to move into retirement ending the saving glut rates will continue to move upwards but in a saw tooth manner.  Over the coming year’s new highs (since 8-4-2020) will be made along with subsequent higher lows oscillating from growth to recessions.

Until the Millennial generation moves into their prime savings age – the kids fully grown and out of the house – AND the Boomer’s, to be blunt leave this earthy planet, significantly reducing governmental social spending costs interest rates will begin to decline on a secular basis.

Today expect over time saw tooth higher interest rates, stubborn inflation, along with a declining stock and bond market plus a residential real estate market underperforming inflation.

 

 Wilshire 5000

Massive Overvaluation!

 

Finland’s National Institute for Health and Welfare (THL) can't cite scientific evidence of "H5N1"... or any virus

it's “not at all possible”

Christine Massey FOIs May 14 2025 Greetings and Best Wishes, (Note: if you would like to pitch in to help renew my website or otherwise support my efforts, please see the Paypal button near the bottom of my homepage. Or, if you are on the land known as Canada you could send an email transfer to cmssyc@gmail.com.) Last year, Andrii Komar filed a freedom of information request with Finland’s National Institute for Health and Welfare (“THL”) (pgs 2-4). He sought all studies held by the institution, from anywhere in the world, that describe someone finding and purifying particles thought to be H5N1, H7N9 or any other new or rare subtype of the alleged influenza A virus, from a patient sample (bodily fluid or tissue). Below is gmail’s auto-translation of the request to English (pg 6): Purification, as many now realize, would be a necessary foundational step in attempting to show that a virus with the claimed “genome” and proteins actually exists and causes illness in “hosts”. Purification is required in order for valid sequencing and characterization to take place (for identification purposes), and it is essential in order to conduct a valid, rigorous controlled experiment to test a falsifiable hypothesis regarding causation of illness. Without this step there cannot be any scientific evidence of a virus. Below is the (auto-translated) response (pg 7, see original on pg 2) that Andrii received from Tuuli Karppinen, a lawyer at the Department of Health and Welfare. (Click to enlarge the image.) “…the National Institute for Health and Welfare has extensive access to scientific literature, including a library and various collections of scientific articles… However, such documents are not, in accordance with Section 5, Subsection 3, Paragraph 3 of the Openness Act, in the nature of official documents that would be provided in response to requests for information under the Openness Act…” After Andrii showed me this response, I decided to write to Tuuli myself (pgs 1 and 8), using the help of an auto-translator. I indicated that I didn’t believe that the “experts” at the institute have any scientific evidence of any alleged virus and challenged Tuuli to prove me wrong by providing or citing some. I told her that her response or lack thereof would be published. Predictably, even though Tuuli responded (pgs 1 and 9), she did not provide or cite any scientific evidence and there was none to be found at the webpage to which she directed me. If you are wondering how I know that Tuuli Karppinen is a lawyer, she identified as such in 2022 when responding to a similar request regarding the imaginary SARS-COV-2, as shown in the screenshot further below. And, similar to the stunning March 1, 2021 admission (pg 3) made by the “subject matter experts” (“SME”) at the CDC and conveyed in an official Freedom Of Information Act response, and the stunning summer of 2020 admission made by “experts” at Mount Sinai Hospital in Toronto - not just one time but a 2nd time as well - in their official FOI response, Tuuli Karppinen at Finland’s Department of Health and Welfare stated in her 2022 email shown below that finding and “isolating” any virus (in the every day sense of the word, aka purifying it) from its alleged locations (“hosts”) is “not at all possible” and isn’t done in the so-called “science” of virology. In other words, just like the CDC “subject matter experts” and the Mount Sinai Hospital “experts”, Tuuli indirectly and inadvertently confessed that virology is not a science and that no alleged virus has ever been scientifically shown to exist. Virologists don’t even have a valid independent variable with which they could scientifically test a hypothesis regarding causation of symptoms in “hosts”, and they cannot even show that particles with the claimed “viral genomes” and “viral” proteins exist in “hosts”. Their entire field is a pseudoscientific sham. Life in prison for everyone responsible. (Anyone who is new to this topic and wants to learn more can find lots of material to get started with, here.) (Note: this information has been sent to ~200 people who work for “the state”, lamestream media, etc. at Canada, Isle of Man, England and the U.S., so that they cannot claim later that they did not know. It will also be sent to people who act in the Canadian “justice” system… that has falsely prosecuted people in relation to “germs”.) Recommended Germ/Contagion Reading/Viewing Another Fear Campaign: “Three Measles Deaths in the U.S.” – Truth or Propaganda? - Kate Sugak Uncovering the Corona Fraud Part 24: July 14th, 2020 to July 22nd, 2020 - Mike Stone, viroLIEgy A catch up on the pandemic industry & some more fake virology in action - Dr Mark Bailey on The Fair Food Forager & Friends Show #173 Legendary investigative reporter Jon Rappoport recently did a rare interview in which he discussed the virology hoax and wisely proposed a #MedicalTruthNow campaign to expose the fact that medical care is actually a leading cause of death. Is Desperation Setting In? And is the sun rising on a new paradigm? - Dawn Lester The Greatest Scam Exposed... (the government scam!)… with Etienne de la Boetie² - Drs Sam and Mark Bailey Official FOI Confessions/Evidence Confirm that Virology is Pseudoscience My notarized affidavit regarding the hundreds of freedom of information responses (FOIs) confirming the fraud and delusion of virology, with German and Greek translations: https://www.fluoridefreepeel.ca/affidavit-re-foi-and-fraud-and-delusion-of-virology Also at tinyurl.com/virus-affidavit Freedom of Information Responses reveal that health/science institutions around the world (225 and counting!) have no record of SARS-COV-2 (the alleged convid virus) isolation/purification, anywhere, ever: https://www.fluoridefreepeel.ca/fois-reveal-that-health-science-institutions-around-the-world-have-no-record-of-sars-cov-2-isolation-purification/ Excel file listing 225 institutions: https://www.fluoridefreepeel.ca/wp-content/uploads/2024/09/Institution-list-for-website.xlsx FOI responses re other imaginary “viruses” (HIV, avian influenza, HPV, influenza, measles, etc., etc., etc.): https://www.fluoridefreepeel.ca/fois-reveal-that-health-science-institutions-have-no-record-of-any-virus-having-been-isolated-purified-virology-isnt-a-science/ FOIs re secretive and unscientifically "mock infected" cells (aka invalid controls) and computer-model "viral genomes": https://www.fluoridefreepeel.ca/do-virologists-perform-valid-control-experiments-is-virology-a-science/ 3000+ pages of "virus" FOIs in 8 compilation pdfs: https://tinyurl.com/IsolationFOIs Failed freedom of Information responses re contagion: https://www.fluoridefreepeel.ca/freedom-of-information-responses-re-contagion/ Do health and science institutions have studies proving that bacteria CAUSE disease? https://www.fluoridefreepeel.ca/do-health-authorities-have-studies-proving-that-bacteria-cause-disease-lets-find-out-via-freedom-of-information/ Because "they" (HIV, influenza virus, HPV, measles virus, etc., etc., etc.) have never been shown to exist, clearly don't exist and virology isn't a science. For truth, freedom and sanity, Christine