HWR- Issue #44

Now a joint publication of the FJMC and MRJ

 Issue #44 - May 3, 2017

HEY, consider joining us at the FJMC’s International Convention in Washington DC, July 18-23. If you like just come for the weekend or the whole week. From the perspective of our HWR readers, you should not miss the Wealth Conference, Washington tours for both men and women as well as family events, Family Financial Conversations programming to bring back to your club, fellowship and celebration of our new leaders and so much more.  You really do not want to miss it. For more information visit (http://convention.fjmc.org).  


What is done to children, they will do to Society. There is no such thing as a normal childhood. We are each dealt different hands. In many ways our parents determine how we play each hand. Do your best to give your kids access to knowledge. Add what wisdom you can. Trust them to make their own decisions - Karl Menninger

Lyme Disease: A Growing Epidemic

We would like to thank Dr. Elena Frid for this very important and informative article.

Lyme disease is a bacterial illness that is transmitted to humans by the bite of an infected deer tick, possibly other insects as well, and has now become the fastest-growing vector borne illness in the United States.

Lyme disease has been reported in all 50 states and 80 countries around the world. The center for disease control (CDC) has acknowledged that there are 380,000 new cases of Lyme disease per year in the US alone, and this maybe an underestimation. To put this into context, at the peak of the HIV/AIDS epidemic there were reported 50,000 new cases per year in the US; that makes Lyme disease 7 times more prevalent than HIV/AIDS.

But Lyme, is an easily diagnosed and treated bacterial infection, right!? Well… not exactly. Many will present with transient fever, headaches, joint aches and 20% of the time there will be a rash which does not have to be bull’s eye. Often the initial presentation is missed both by patients as well as physicians because the symptoms are vague and can come and go. There is also a subset of patients who do get diagnosed and treated for a few weeks with antibiotics but despite that will continue to have various symptoms.

On average 20-60% of people develop chronic symptoms. Symptoms such as unexplained debilitating fatigue, decreased endurance for physical activity, intractable headaches, joint stiffness, diffuse pain, heart palpitations, pre-fainting spells, unrelenting vertigo, unexplained abdominal pain and multiple medication and food intolerances. There are various other complaints such as urinary frequency or in children new onset incontinence, visual disturbances such as trouble reading, hormonal imbalance, word finding difficulties and impaired memory. Typically, one will have a number of the complaints listed above and when they undergo an evaluation by their physician or a specialist the doctor finds nothing wrong.

Some of the most debilitating symptoms for many are the neuropsychiatric complaints seen in at least 30% of the chronically ill patients with Lyme disease and associated disorders. One may have new onset unexplained anxiety, depression, insomnia, regressive behavior, motor or vocal ticks, muscle spasms, and brain fog.

When a patient has multiple complaints with a negative work up which often entails history, physical exam, blood work, perhaps some imaging and diagnostic studies, I recommend looking into the possibility of a vector borne illnesses, i.e. Lyme disease and associated disorders. Have your physician test you for Lyme which should include both ELISA and Western Blot testing. Know that Lyme tests can be 50-70% inaccurate as reported by the CDC. If you’ve tested negative for Lyme disease on routine blood work but continue to suspect that it’s a possibility, I recommend rechecking yourself within 3 months. Further, consider seeing a Lyme literate physician (LLMD) before starting to explore the possibility that all your symptoms are because “you are getting older”, secondary to “stress” or my personal favorite “it’s all just in your head.”

Dr. Frid is a Physician specializing in Lyme disease and sees patients with this condition - which is not universal among physicians. For more information about Lyme disease contact Dr. Frid at info@elenafridmd.com and follow Dr. Frid on Instagram @drelenafrid.

Lyme disease is also a serious and growing disease in animals. This is particularly important for humans to understand because many of us that have pets find significant numbers of ticks on our dogs.  Lyme disease started in Lyme, Connecticut. If you go camping fishing hiking in the East, Midwest, Missouri, and Minnesota and many other areas of the country you may be susceptible.  The deer population has grown exponentially because of man pushing them out of their natural habitat and because of diminished natural predators.  Signs of Lyme disease include a rash, fever, limping, arthritis, autoimmune kidney disease. Please do not think you are immune from getting this disease.  I have observed this in humans and animals many times.  The symptoms are sometimes very subtle and if it goes undiagnosed for a period of time, it is many times to late to prevent permanent damage.

It is very important that you use some of the quality preventatives during the peak of tick season, April May and June. Check with your veterinarian for the best tick preventatives.  Protecting our animals may have profound effects on human preventative care

Feel free to contact me (Gary Smith DVM, gvet@me.com) for more information.  If you have any questions you can direct them to our Medical Editor - Dr. Steven Mandel from Lenox Hills Hospital in NYC at  drmandel1979@aol.com.

In our new format we have formed a great team of Doctors and Psychologists to give you the best possible health tips in terms you can understand.  Our new team consists of our new Co-Medical Editor - Dr. Steven Mandel Pediatric Neurologist, Dr. Seth Cohen, Dr. Joel Kurtz, Gastroenterologist; Dr. Mitchell Ross, Cardiologist; Dr. Dale Levy, Thoracic Surgeon; Dr. Gary Katz, Psychologist; Dr. Bob Braitman, Pediatrician; Elliot Feldman, CEO low vision occupational Therapy Clinic; and Elisabeth Mandel, Licensed Marriage and Family therapist.

We want to thank our newest co-editor Dr. Steven Mandel from Lenox Hill hospital in NY.  He and the medical team we created, are responsible for the increased quality and professional information provided in the newsletter.  Richard, Steven, and I are passionate about bringing this information that will help give us all a better life.

For questions please email the editors Richard Gray rwgray1@gmail.com, Gary Smith DVM gsmith@fjmc.org, or Dr. Steven Mandel- drmandel1979@aol.com


We would like to thank our sponsor RCA, Retirement Corporation of America. They have graciously been our primary sponsor for the last 2 years.

Legendary investor Jim Rogers was right. As he once said, "Markets often rise higher than you think is possible, and fall lower than you can possibly imagine.” 

Why investors are no better then Lab Monkeys!

Every investor who wants to build wealth should know this one thing…..

“When the outcome of an investment depends heavily on some expected future event, it is inherently risky.  If the event comes with a time frame it makes the investment exponentially more risky.

The good news is you can shorten the odds by being rational.  The bad news is our brains are wired to respond to these opportunities in irrational ways.  Many studies shave shown this fact.  One of the best studies was conducted by the UNSW Business School in Australia by Elise Payzan-LeNestour.  She tracked the investors decisions given speculative opportunities.  She then compared the behavior with the responses of lab monkeys.  

The monkeys were presented with 2 levers. One lever they were given some sugar.  The second lever was varied, sometimes given double amount of sugar and sometimes they were given an electric shock.  The monkeys continued to take the gamble. Ultimately, they ended up with more shocks then sugar. 

This pattern is evidence with investors. Investors were presented with risky investments that offered higher potential returns vs. safer investments with lower returns.  Most favored the increased risks.  Investors just do not understand the gravity of risk of loss and that is a huge reason why most investors do not make much money. 

All of us who invest have made their share of monkey brain investments but we should keep in mind that most of our investments that are successful are long term world dominating companies that pay great dividends that grow each year.

This is the Warren Buffet way of investing. This is the successful way of investing.

Also, remember an investment presented to you that looks to good to be true it probably is.  Shy away from it. Remember what Warren Buffet said “the first rule of investing is never loose money”; the second rule is “never forget the first rule”.

When it comes to investment opportunities, most of us do not act rationally. Here's why: Neurobiologists say the human brain is really an organic network. Some parts of the brain do the rational thinking, while others facilitate our emotional and primitive instincts.

The three rules of investing developed by Mark Ford, founder of the Palm Beach Research Group and author of the thoughts in this article, state:

  1. Do not invest in anything you do not understand.  Know how the investment makes money. Study and know the business inside and out.
  2. Never invest a lot of money in any single asset. If you are wrong you will not get hurt in a big way. Never put more then 1% of your net worth in any investment or 5% of your investable dollars.
  3. To reduce risk further, always diversify your investing across a broad range of asset classes.

These rules will help to prevent monkey-brained investing instincts.  We hope this wealth tip was informative and helps you as you think of your strategies for your wealth building future.

We appreciate you giving us feedback so we can continue to bring you amazing tips on health and wealth. If you would like to get in touch with us email either Richard Gray or Gary R. Smith, DVM.

We hope that you enjoyed this issue and will consider sharing with other members of your club, family, and friends.  Ask them to opt-in and receive this newsletter.  We are building a nice following and appreciate your support.  Dr Steven Mandel is our Medical Editor and Richard Gray and Gary Smith write the wealth articles.  We are looking for guest writers; if interested please contact with Richard or Gary.If you're receiving this from a friend forwarding you the newsletter, you’ll need to ‘opt-in’ to receive this newsletter.  To opt-in, and receive this bi-weekly publication, click on the following link, and provide us with your email address: https://fjmc.org/civicrm/mailing/subscribe?reset=1&gid=1302.

Email sent at approximately 10:30 pm, May 3, 2017

LEGAL DISCLAIMER: This work is based on current events, interviews, corporate press releases, and what we've learned from several mentioned health and wealth newsletters. It is also based on some personal experiences. It may contain errors and you shouldn't make any investment decision based solely on what you read here. It's your money and your responsibility. FJMC is not making specific recomendations of stocks or bonds just possible ideas that might be considered for research and investing purposes. This information is being provided for informational purposes only.

FJMC - Federation of Jewish Men's Clubs - Involving Jewish Men in Jewish Life.  The FJMC involves Jewish Men in Jewish Life through Leadership   Innovation   Community


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