Gold

Gold is at an all time high

it is telling you one of two things:

1) It is the next bubble and will pop monumentally
2) We are about to see the start of a currency war

And what, I hear you ask, is a currency war?

Western countries have significant amounts of debt.  By devaluing their currencies (making them weaker) countries can effectively reduce the amount of debt they have to repay.  The next major candidate for this is the USA who is a gnats wing from engaging in a trade war (probably then followed by a conventional war) with China.

China has vast holdings of US debt.
The US devalues its currency in revenge for China's own currency manipulation.
China's holdings of US debt reduce in value, and their exports to the US increase in price making them less competitive.

But back to Gold.

Whilst not giving financial advice, I see Gold continue its monumental rise.

You might therefor want to raise your prices for any metal work you do in your practice.

Just a thought

Life is...

Hello again
We like to think that we are conscious individuals. We have hopes, dreams and fears, and most of us have a moral compass that we do our best to follow.
We also live our life guided by a set of beliefs, beliefs that we formed and honed as we travelled on the path of life.

Unfortunately most of our beliefs are confused, even conflicting.

• The devout catholic who has an affair
• The hard working business owner who neglects his family
• The “law abiding” individual who goes at 35mph in a 30 zone
• The doctor who smokes
• The dentist with a mouth full of fillings
• The self help guru on Prozac

If you look at the way science has developed over the centuries, you can see examples of beliefs that were once sacrosanct.

• The world used to be flat
• Witches used to float
• Leaches cured all ills
• If it didn’t rain it was because the Gods were angry
• Man would never fly
• Man would never break the speed of sound

All beliefs that we laugh at now. But what global beliefs that people hold will be mocked 200 years from now?

And what about your beliefs. What did you believe 10 years ago that you no longer believe? Well, let’s look at some of mine.

• I USED to believe that justice was easily attainable in this country
• I USED to believe that America was the land of the free
• I USED to believe that the capitalist system could work without regulation
• I USED to believe everything happened for a reason
• I USED to believe we live in a democracy
• I USED to believe the news media told us the truth

Beliefs change. Beliefs are fluid, and constantly in flux........ and yet people have been known to die for their beliefs. Worse, people have been known to kill for them.

And most people’s beliefs aren’t even their own............ they were given them by their peers, parents, teachers and the MSM. The beliefs form a filter through which our everyday experiences are sieved. Your beliefs create your reality tunnel, through which you travel through life. People actually ignore and filter out the stuff that contradicts their beliefs.

“It is the nature of the human species to reject that which is true but unpleasant and to embrace what is obviously false but comforting” – H.L.Mencken

There are many people now who are struggling with their belief systems. They have seen the banks unleash a financial nightmare on the world, and then they have seen those same banks bailed out and rewarded with tax payers money. They have seen “irresponsible” lending paraded as the cause of the financial crisis, whilst the fact that oil hit $150 a barrel is seemingly ignored. We see our politicians promising to cut waste and reduce Quangos, only to see them unleash a great beast called the CQC upon us.

What if I told you this year’s election wasn’t about democracy, but about voting for the corporate and banking lackey’s who will be out for themselves, and keep the country in national bankruptcy. I’m not saying it’s true, I just want to see what your belief system has to say.

And besides, we aren’t even a democracy, we are a Constitutional Monarchy. A vast difference understood by so few.

Do you think the fact that this country is home to one quarter of the worlds surveillance cameras is a good thing? What about biometrics, and the growing use of fingerprints and electronic ID’s in schools? Do you value freedom over security, or are you willing to accept that your children will grow up without the childhood innocence that most of us had. Surveillance and suspicion will be the norm for them. Will our concepts of freedom and rights be a belief system akin to a flat earth in 100 years?

Citizen, your papers please – Is that the world you want for your children? How does that fit in with your belief systems?

Do you believe that if you have nothing to hide, then you have nothing to fear? It’s a perfectly reasonable belief system........... but why should we even have to go there. I grew up with the notion that the politicians and the police were our servants, that they were there to protect us and serve our needs. Maybe it’s just me, but it doesn’t feel like that now.

You know, over the past months and years, many of you will have had an itch, like a splinter in your mind. Psychologists call it cognitive dissonance, the uncomfortable feeling of holding two conflicting viewpoints. You live in a free country, and yet you are monitored, herded and recorded more than any other population on the planet. You invested in the stock market for the “long haul”, and yet it’s still below where it was in the year 2000.

So finish these statements.

• Life is........?
• Money is.......?
• Men are.......?
• Women are.......?
• The rich are.......?
• The poor are.......?

Now look at your life.

Time for a change?

Regards

SH

Please help support the Sick Dentist Scheme and the BDA Benevolent fund by buying my book atChoose Your Reality. A proportion of the profits from its sale are split equally between these two charities

PS: Please feel free to pass this blog onto anyone you feel may be interested in it


GDP Resources

Disclaimer: S.Hudson or SNH Publications will not be held liable for any actions taken based on the information provided in this blog. This information is for entertainment only.

A letter to the CQC

Understanding that everything is all due to contracts, this is the kind of letter one might send to that fine institution, the CQC

11.10.10

Dear Jo Williams

                It would appear that in April of next year I will be given the opportunity to enter into contract with you.  I would like to thank you for this opportunity, and so that our contract together can run smoothly under admiralty, I would like to draw your attention to a number of factors that will be a threat to the legal fiction (body corporate) that is your organisation.  These factors may put you in default under admiralty jurisdiction, which may compel vessels such as myself to seek remedy under contract law.  As I am sure you will agree, this should be avoided. 

You may be unaware of the following, as large organisations often fail to report the minutia of daily events to those at the top of the hierarchical pyramid.  It has however been made plainly clear to dentists, through meetings  across the country that there are unlikely to be dentally qualified individuals involved in the inspection process or the appeals process.  This I feel is a monumental error.  What you may also not be aware of is that, in my time working in the profession, nothing has caused more outrage or indignation than the proposed CQC registration.  If nothing else, the CQC has united the profession like never before, and I have never seen so many so upset. 

Please take notice of the following affidavit (if any of the points outlined are false, you should reply to me within 10 days of the date of this letter, outlining the reasons why).   Remember that under contract law, s/he who does not rebut accepts.

Affidavit of truth

1)  There is some question mark as to the appeals process open to dental practices that fall foul of CQC regulations, and according to my reading of the Health and Social Care Act 2008, the CQC appeals process is to the CQC itself and not an independent third party. 

2)  The CQC give 28 days to appeal

3)  The Health and Social care act is not written in language the average layman can understand

4)  The CQC on these 3 points alone contravenes article 6 of the Human Rights Act 1998

To clarify (see underlined)

Right to a fair trial

1)  In the determination of his civil rights and obligations or of any criminal charge against him, everyone is entitled to a fair and public hearing within a reasonable time by an independent and impartial tribunal established by law. Judgment shall be pronounced publicly but the press and public may be excluded from all or part of the trial in the interest of morals, public order or national security in a democratic society, where the interests of juveniles or the protection of the private life of the parties so require, or to the extent strictly necessary in the opinion of the court in special circumstances where publicity would prejudice the interests of justice..

2)  Everyone charged with a criminal offence shall be presumed innocent until proved guilty according to law.

3) Everyone charged with a criminal offence has the following minimum rights:.

(a)to be informed promptly, in a language which he understands and in detail, of the nature and cause of the accusation against him;.

(b) To have adequate time and facilities for the preparation of his defence;.

(c) To defend himself in person or through legal assistance of his own choosing or, if he has not sufficient means to pay for legal assistance, to be given it free when the interests of justice so require;.

(d) To examine or have examined witnesses against him and to obtain the attendance and examination of witnesses on his behalf under the same conditions as witnesses against him;.

(e)To have the free assistance of an interpreter if he cannot understand or speak the language used in court.

The above needs to be addressed as I feel it threatens to make the lawyers a significant sum of money.

I am also giving you notice that a different approach than the one you are presently adopting is needed.  This is of course just my opinion, one that is probably biased.  You do know however that you face the prospect of dozens, if not hundreds if practice owners utilising their practice legal expense cover in a variety of ways against your organisation.

My proposal

1)  There is no need for CRB checks for dentists.  Dentists are registered with the GDC, who are instantly informed by the police should a registrant break the law.  By removing this requirement, you will deflate much of the rebellion that is brewing.

2)  The CQC should work with the profession, and not impose itself upon the profession.  If you work with dentists, and employ dentists in the inspection and regulatory checks you will obtain balance.  Not to do so will see bad publicity and obstacles put in your path.  I remind you that Statutes only apply when they have the consent of the governed.

3)  The CQC guidance is wishy washy, and written in a manner that the majority cannot understand and decipher.  It thus endangers the public.  The guidance should be concise, preferably in bullet form and give definitive pointers on how to reach compliance.

4)  The staff of the CQC are unfortunately not singing off the same song sheet.  They frequently give conflicting advice/answers.  This again endangers the public.

5)  You MUST work with the GDC, BDA and DPA to remove duplication of reporting requirements.  They should be your partners, not your understudy.

Get it right and you will be praised.  Get it wrong and you will likely find your photo on the front page of the Daily Mail, thus is the nature of our society today.  I hope this helps you in your future endeavours, and if I can be of any assistance. 

And I hope you choose wisely

Yours in commerce

Over 90% of people can access NHS dentistry

Feel free to revel in the following meaningless statisitcs........ the most striking aspect of which is that over a 1000 people didn't even know why they made an appointment with a dentist !!!!!!! The results of latest the quarterly GP Patient Survey (March-Jun 2010) have been published. Headline results include: 93% of respondents who tried to obtain an appointment within the past 2 years were successful, but 42% of respondents did not try to get an appointment with an NHS dentist in the last 2 years. 82% of the most recent appointments sought were with the dental practice previously attended. In these cases, the successful percentage over the past 2 years was 95%.

Main results

• 140,700 responses, 35% of the 400,000 people contacted.
• 58% of adults in the survey tried to obtain an appointment with an NHS dentist in the 2 year period before April to June 2010 quarter;
• 93% of respondents who tried to obtain an appointment within the past 2 years were successful. 7% were unsuccessful (Success percentages exclude those who didn't remember the outcome, unless stated otherwise).
• Respondents who have tried more recently are more successful. 95% of respondents trying within the past three or six months were stated they were successful.
• For 79% of adults the last appointment sought was for routine dentistry; 17% were seeking an urgent appointment, 3% other type of appointment and 1% could not remember.
• 82% of the most recent appointments sought were with the dental practice previously attended. In these cases, the successful percentage over the past 2 years was 95%*.
• For the 15% of patients who sought appointments with a new dental practice in the last two years, 77% were successful, 21% they were unsuccessful and 2% couldn't remember the outcome.
• North East SHA area had the largest percentage of the adult population seeking an NHS dental appointment in the last 2 years, at 65%, whilst London SHA had the smallest, where 52% sought an NHS appointment.
• Success in getting an appointment. North East and West Midlands SHAs had the largest percentage, with 95% successful over the last 2 years, compared to South Central SHA with the smallest (91%).
• For patients seeking an appointment in the last 2 years at a practice they had not been to before, South East Central and West Midlands had the largest percentage successful, with 82%* and South Central the smallest (68%*);

Adults who have not tried to get an NHS appointment in the last 2 years:

• 42% of respondents did not try to get an appointment with an NHS dentist in the last 2 years,
• The most frequent reason for not trying for an NHS dental appointment in the previous 2 years was 'l stayed with my dentist when they moved from NHS to private' which was mentioned by 22% of adults. The next reason 'l have not needed to visit a dentist' was 18% of responses.
• 17% had not tried because they thought they would not be able to find an NHS dentist

The problem with money and why I never give financial advice

Hello again
Just to recap, none of this is financial advice. What I say is merely for entertainment purposes only. Shame that I have to keep writing that, but that’s the world we live in folks.

Over the last few newsletters I have been discussing the way we as human beings live our lives based around the concept of money. As a recap it is my philosophy that you should earn more and spend less. That way you get to a point where your investments are sufficient to keep you in the lifestyle you want........ so that you can then step back and work only because you want to not because you have to.

Now for those who want to take up this philosophy (and let me tell you from the start it is not for everyone) the spending less money every month is the place to start. The reason being is a little law called “Parkinson’s Law”

“Expenses rise to meet earnings”

It doesn’t matter how much you earn if you spend it all. You have to break Parkinson’s Law if you want to be financially independent because you aren’t going to win it and you aren’t going to inherit it. Admittedly, you might be able to build up a practice and sell it for a large capital gain, but if you have large debts and large overheads, that’s really not going to be such a windfall. Just run the maths.

Some people take to this like a duck to water, others struggle with it immensely.

“But I like driving flash cars”

And that’s fine, there is nothing wrong with that. If you want to spend the equivalent of six months income on a box that gets you from A to B go for it. I’m not telling you what to do, I’m just exploring possibilities.

You see I have a big problem with the “buy me and be happy” culture that is rammed down our throats by marketers. One because much of the marketing techniques used today are based on dubious psychological and NLP technologies, and secondly at the end of the day most people find that the happiness found in that latest purchase is fleeting. A new kitchen quickly becomes an old kitchen.

But that wasn’t what I wanted to talk about today. If you remember, the second part of the philosophy is to make more money. And there will be many of you who will be tapping me on the shoulder saying “well I tried that, but I just got a whacking great tax bill that sucked it all off to HMRC”. And that will happen initially, and many people keep hitting this wall time and again. But, let me tell you a little secret.

That wall is there for a reason.

And there are 2 points of view on this. The first is that there is an international conspiracy of bankers and puppet politicians that have manipulated the whole system to stop people getting ahead and stop them breaking out of the “matrix” for want of a better word. Keep them trapped, keep them producing and tax them to the hilt.
I think the second point of view is more empowering, and somewhat more realistic. The wall is a test. If you pass the test you get to a place that very few people see. Having spoken to several people who have passed the test, let me describe that place for you.

You no longer worry about your tax bill. You no longer have any debt, other than business debt. Your credit cards (if you even use them) are paid off in full every month. You never travel economy, but you also don’t flaunt your wealth. If you found you were suddenly unable to work tomorrow, you could last several years on the reserves you had set aside.

And the little voices of protest are rising up. It’s OK, you situation is different, I know. You’ve got kids, business is slow, you lost money in a dodgy investment. Of course, the people I spoke to pretty much all have or had those same things in their lives too, but we’ll not talk about that.

Did you know that most American millionaires went bankrupt at least once?
There is a threshold with making money. Once you have reduced your outgoings and broken Parkinson’s law, you find it easier to put aside your tax money. The more you earn, the more your earning power starts to outrun the tax taken (harder now with the 50% tax bracket I know, but still very possible). And what also happens is you stop relying on earnings that are hit by income tax. You start to gather investments that come under capital gains tax. You start to think “well maybe a bank account with its taxed interest isn’t the best place for my money” and you start to look elsewhere.
Once you pass the test, you start to get smart. And then something amazing happens.
Money just starts to appear. You just seem to attract it. Because you are no longer worrying about money, you brain shifts......... and you start seeing opportunities all around you. It’s scary. There is of course something else that can happen, some people get complacent and lazy...... and get sucked right back below the threshold.

But you don’t even reach the threshold until you get out of the spending habit.

And as for making it, well I’m shortly going to announce something that will be extremely exciting to some of you. But only some of you.

The rest of you (the rest being the large majority) will have no interest in it whatsoever.... which is a good. Because firstly it involves an investment technique that is more risky than keeping your money in the bank. Secondly it’s very expensive. Thirdly, it’s not guaranteed to make you any money whatsoever, in fact you could easily lose money. And fourthly it involves travelling to another country.
I know that’s not saying much. What I can tell you is for those of you who are interested, I will be able to get you a significant discount through my contacts with the organisers.

I’ll keep you posted.

Right I’m off to buy myself a new car :)

Regards

SH

Please help support the Sick Dentist Scheme and the BDA Benevolent fund by buying my book atChoose Your Reality. A proportion of the profits from its sale are split equally between these two charities

PS: Please feel free to pass this newsletter onto anyone you feel may be interested in it


GDP Resources

Disclaimer: S.Hudson or SNH Publications will not be held liable for any actions taken based on the information provided in this newsletters. This information is for entertainment only.

The howling of idiots

It seems that there are multiple people following this blog, to my immense surprise.

What does not surprise me (understanding human nature as I do) is the numerous people leaving comments as to how the blog has not been updated.  One individual was even taunting, but didn't have the balls to leave a name or a way to contact.  Probably a good thing considering the events of the past week.

At the moment I have other, more important things to attend to. 

Those who matter don't mind.
Those who mind don't matter.

Slavery

Hello again
I know it’s totally unlike me, but I am going to discuss a controversial topic.
Slavery........... specifically financial slavery.

You see, we in the western world have been conned. We were brought up with an idea, a blueprint if you will of what is expected of us (I am basing this on the career path of a professional person):

• Go to school
• Leave school with good grades
• Either take a year out or go to University
• Qualify
• Start career
• Start a pension
• Buy a car
• Meet someone
• Buy a house
• Get married
• Have children
• Buy a new car
• Buy a bigger house
• Build up a business
• Send children to university
• Sell business
• Retire
• Play with grandchildren
• Potter about
• Die leaving a vast portion of your wealth to the state

A perfectly acceptable life. The thing is, there is no law that says you should live your life like that. There’s nothing wrong with it, it’s just very conventional. Here is another Blueprint

• Get born to an impoverished household
• Go to school
• Fail miserably in your exams
• Leave with no qualifications
• Be told you will amount to nothing
• Get arrested
• Be told it’s either the army or prison
• Enlist
• Go to Vietnam
• Get enlisted in Navy intelligence
• Volunteer for covert ops
• Leave with $900 in your pocket
• Start your own energy supply business using your kitchen room table, a phone book and a third hand fax machine
• Win a $400 million contract to supply diesel to the federal government
• Supply that diesel
• Marry the one woman you ever loved
• Have children
• Move to UK
• Buy a castle in Scotland
• Build the business up till it can be traded on UK stock exchange
• Sell your stake in said business for several billion pounds
• Hunt crocodiles in Africa
• Become a consultant to the rich
• Live the high life

Now that’s a blueprint. The second person defied all convention and defied accepted practice. He made his life his own, starting from nothing.

As professionals, the majority of us will make a large amount of money in our working career. But we will also spend most of that money and find ourselves having to work into our late 50’s and early 60’s so that we can retire. Parkinson’s law states “all expenses rise to meet available income”. You spend most of your working life working because you HAVE to, not because you WANT to. And if you truly love what you do, then this is no bad thing. To do a job you love, and do it well is one of life’s rare gifts.

Unfortunately most people don’t discover this gift under their Christmas tree. Most people get trapped in a job they hate that they know they can’t leave because they have bills to pay. Think about that for a second. They get a job they don’t like to pay for the house they want to live in close to the job they don’t like. They then spend money filling that house with stuff to take their mind off the job they don’t like........ that they just spent time at so as to get the money to pay for all their stuff.

Absolute madness.

But it goes further. They even borrow money they don’t have, to buy more stuff that they don’t need, and pay back vastly more than the money they borrowed...... which means they have to keep working at a job they hate. That my friends is slavery........... VOLUNTARY slavery. Have a look at the people around you in the cars, the buses, the trains and on the pavements the next time you travel to work. Play spot the happy face.

You won’t see any.

And what about you? How are you when you roll into work on a Monday morning? What image are you giving off to your staff? Are you a:

“Oh, fecking hell, it’s Monday.”

Or are you

“It’s SHOWTIME!!!”

Just a thought. So what can you do? Well, here’s the strangest of things. Your financial freedom plan should be the same, whether you love your job or hate it. In my Mastermind Alliance product, you get a piece of software that lets you calculate your freedom figure. This is the amount of money you need in the bank, so that the interest from this money pays all your expenses.
That figure is what you should be working towards. Because once you reach it, you no longer HAVE to work. But there’s nothing stopping you carrying on working if you want to.

And here’s a radical concept for you. Your will reach your financial freedom figure quicker........... if you don’t spend all your money on crap that you think will make you happy. And there’s nothing wrong with fancy holidays in the Maldives.......... but if you don’t like your job, is it worth sacrificing 50 weeks of the year just to pay for 2? Is that flash new BMW worth working an extra year at your job?
And come on guys, do you really want to be relying on your pension for your old age? Have you seen how volatile the stock market has become recently......... it’s still lower than it was 10 years ago. Invest for the long haul?........HA! (That wasn’t financial advice by the way, just so you know).
Here’s my blueprint

• Go to school
• Question everything they tell you
• Get good grades anyway
• Decide early what you want to do in life
• Do it, and if you don’t love it do something else
• If it floats your boat, find someone special to spend your life with.
• Become financially secure
• Become financially free
• Have enough money to live your dreams
• Die with a big cheesy grin on your face
• Do it all again in the next life

You are both the slave and the slave master. Time to choose which one you want to be for the rest of your life.

Regards

Stephen Hudson BDS, MFGDP, DRDP

Please help support the Sick Dentist Scheme and the BDA Benevolent fund by buying my book atChoose Your Reality. A proportion of the profits from its sale are split equally between these two charities

PS: Please feel free to pass this newsletter onto anyone you feel may be interested in it


Disclaimer: S.Hudson or SNH Publications will not be held liable for any actions taken based on the information provided in this newsletters. This information is for entertainment only.