On Your Mind... Cancer, Credit Freezes, and Cutting the Cord

You're flooding our inbox with questions...

So we'll get straight into the topics that are on your mind.

If you have a question you want answered, send it to us at
[email protected].

Q: I already subscribe to the various newsletters and enjoy the read. How do I go about getting a digital copy of the [The Living Cure]? – S.G.

A: In The Living Cure, I talk about the steps you need to take immediately after a cancer diagnosis, 10 questions you must ask your doctor, and a revolutionary new cancer treatment. If you're not a subscriber, you can learn more here.

Retirement Millionaire subscribers can read a digital copy of The Living Cure here.

And if you haven't already, don't forget to 
watch our video on this cutting-edge cancer treatment.

Q: You mention freezing your credit through the three credit reporting agencies. Exactly how does that work? Does that only freeze new credit lines or does that also freeze established credit lines such as a credit card and/or established home equity lines? – W.M.

A: A credit freeze limits third-party access to your credit report. That means that lenders can't see your credit report. This prevents thieves from opening a line of credit or taking out a loan in your name. But it also means you can't do those things. If you're applying for a job or trying to rent a home, remember that employers and landlords can't access your credit report.

A credit freeze doesn't stop activity on lines of credit you already have open. So you can keep using your credit cards as you normally would. But if you're looking for a new place to live, hunting for a new job, or trying to get a loan, you'll need to temporarily lift the freeze.

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Q: Exposure to blue light (i.e. from screens and day-light bulbs) before bedtime, throwing off the circadian rhythm and decreasing melatonin. This is a major issue still overlooked by most. I would bet it is responsible for a major portion of sleep difficulties. – D.R.

A: Blue light is one of the biggest contributions to America's collective exhaustion.

Blue light is just one color of light that electronics like laptops, tablets, and smartphones emit. But it's the one that's the most disruptive to circadian rhythms. Think of the circadian rhythm as a clock that signals our bodies the optimal time to do things, like falling asleep and waking up. Blue light also stops the release of melatonin – the hormone that makes you sleepy.

It also causes eye strain at best and macular degeneration at the worst. Macular degeneration is a condition that leads to permanent vision loss.

To give your brain time to get ready to sleep, do what I do and shut off your electronics an hour before going to bed.

Q: I am looking for Dr. Eifrig's article on cable/satellite cord cutting and still being able to legally receive most cable channels/broadcasts with certain devices which he recommended. I thought I saved it but can't located it anywhere on my Mac. Can you help? – M.M.

A: You can find all of our tips on how to cut the cord right here.
Q: Something hopefully you can help with is a source for Terpin Hydrate Cough Medicine. Terpin hydrate was a popular cough medicine in the early 1900s. By the late 1980s, however, the FDA found inadequate evidence to support continued sales. [...] I'll look forward to having the benefit of your help with this search... in the hope that we get hold of the product so it will be on hand for the next debilitating cough episode. – C.C.

A: Terpin hydrate is a cough medicine known for bringing up mucus, known as an expectorant.

Terpin hydrate is made from oil of turpentine, and oils from plants like eucalyptus, oregano, and thyme. It used to be a popular treatment, but over the years the scant research on its effectiveness and long-term effects pulled it off of shelves. Expectorants like this face a hard time, as many also lack necessary studies.

In fact, Cochrane – the gold standard of reviewers – said no expectorant really has any supporting evidence (though there is slightly more for the type found in Robitussin). We suspect part of the reason lies with the fact that terpin hydrate often comes paired with codeine, an opioid that is easy to abuse.

A few resources we found suggested calling a compounding pharmacy to see if they would make it, but those types of places are hard to find (we only found three in Baltimore).

We recommend trying some other remedies. Brewing thyme tea should provide similar benefits (because terpin hydrate contains thyme oil) and we particularly like using raw, natural honey to sweeten our tea because of its cold-fighting properties.
What We're Reading...
Here's to our health, wealth, and a great retirement,

Dr. David Eifrig and the 
Health & Wealth Bulletin Research Team
February 16, 2018

P.S. Our offices are closed for the Presidents' Day holiday on Monday. Expect your next 
Health & Wealth Bulletin issue on Tuesday, February 20.