One of the Most Dangerous Places in America
One of the most dangerous places in America... The greatest time to own gold... Protect your heart with the easiest exercise in the world...
Editor's note: The Digest team is returning from our annual Spring Editors Conference in Sea Island, Georgia this week. We'll resume our usual schedule tomorrow.
In the meantime, we're concluding our special series from Dr. David Eifrig's Retirement Millionaire Daily. Doc just launched this daily e-letter late last year, but it has already become one of the most popular we publish.
Each weekday, Doc and his research team share interesting and useful health, wealth, and lifestyle advice you won't find anywhere else. Readers tell us Retirement Millionaire Daily is a great complement to the research they already receive.
Best of all, it's absolutely free. Click here to try Retirement Millionaire Daily for yourself. We hope you enjoy...

The deadliest place you're likely to visit this year doesn't look all that scary...
It probably has a cheerful person sitting at a desk out front. Vibrant green, manicured lawns. And a well-educated staff that appears attentive to your needs.
I'm talking about American hospitals.
Most people have no idea how much risk they take by checking in. And the numbers keep getting worse with each revised study that comes out...
In 1999, the first study of its kind found that up to 98,000 people a year die because of mistakes in hospitals.
In 2010, the Office of Inspector General for the U.S. Department of Health and Human Services said that bad hospital care contributed to the deaths of 180,000 Medicare patients alone.
And more recently, a study published in the Journal of Patient Safety claims that as many as 440,000 people die every year from hospital errors, injuries, accidents, and infections... That's roughly one-sixth of all deaths that occur in the U.S. each year.
To help put that in perspective... About 40,000 Americans die in motor vehicle accidents each year, according to the National Safety Council.
Up to 10 times more people die from medical mistakes than in motor vehicle accidents. But when we asked around the office, we heard far more concerns about injury on the roadway than in the hospital...

We can't eliminate deadly car crashes, but we do know how to keep many of these medical mistakes from happening. The U.S. Department of Health and Human Services found that hospitals could have prevented more than half of patient deaths by simply following proper procedures.
Having worked in the medical industry, I'm more than familiar with this problem. It's one of the reasons I left the medical industry.
But I've also had personal experience. After a surgery, my mom was recovering in the hospital and the nurse tried to give her a pill that could have killed her.
Thankfully, my mom realized the pill wasn't one she typically took and she refused to take it.
Like my mom, your best defense in a hospital is to raise your concerns... and don't let anyone, no matter if it's a doctor or nurse, waive them aside.
Talk to someone immediately if you think an error may have been made.
And if you feel you're being given unnecessary medications or surgery, ask for a "patient advocate" or even a different doctor. Medicine is big business, and you deserve the best service available... not what will make it easy for the doctors.
Going to a "teaching hospital" in the months of June, July, or August is even more dangerous than usual...
If you or a loved one is considering any sort of hospital visit for an elective or nonemergency procedure, you absolutely should stay clear of any medical facility that is considered a "teaching hospital" during the summer.
Doctors in training, so-called "residents," start training every year on July 1.
So in June, the senior residents are about to leave for the real world and couldn't care less about taking care of you... They are thinking about getting out of there, finding a real job, and starting to pay down their six-figure debt.
The new doctors coming in on July 1 just graduated from medical school. Most can't yet find their way out of a paper bag.
But worse... the senior hospital staff doctors, called "attendings," who are supposed to supervise the new kids are taking summer vacations. Most let the senior residents run the show.
The good news is that the problem is temporary.
Once September hits, the new docs have a few months of experience under their belts. And the attendings are back at work and supervising again... And the hospital is as safe as it gets.
For thousands of years, mankind has used gold as money...
It's a good choice, for a lot of reasons...
The world only has a finite amount of gold, and you can't create any more. Further, all the gold ever mined – about 170,000 metric tons – would fit onto a football field piled to about 6.5 feet high. (At today's prices, that pile of gold would be worth roughly $7 trillion or so.)
In addition, gold doesn't corrode or deteriorate, it's easily divisible, and... relative to other valuable assets you find in the natural world... it's portable.
Even after the advent of modern currency, the U.S. government initially "backed" its currency with gold (meaning the monetary unit represented a claim on some fraction of the government's gold stash).
Today, that's no longer the case... Our money is no longer backed by gold.
Regardless, investor affinity for gold continues. And I have consistently recommended holding a small position in what I call "chaos hedges" – gold, silver, timber, and even farmland – as protection against a currency collapse and global turmoil.
Think of it like an insurance policy.
These chaos hedges historically provide comfort and protection during rough political and economic times... and can greatly enhance your portfolio's returns.
But there are certain times when gold outperforms massively...
In my investing lifetime, the best time to own gold has been when real returns on fixed-income securities turned negative.
One of the biggest knocks on gold is that it doesn't deliver any yield. So the metal looks a lot more attractive when rates turn negative.
This holds up over the long term. Using 10-year rates on Treasury notes and inflation, negative rates match up with increases in the price of gold.

This happens in the short term as well if we use the yield on a five-year Treasury security of 1.2% and the expected inflation rate for the next five years of 1.3% (which we derive from the market price of five-year Treasury Inflation Protected Securities, or "TIPS").

Right now, we have central banks around the globe driving down rates to negative territory and gold trading cheaper than it has for years. That makes it a good time to pick up some gold to balance your portfolio.
I'm confident that knowing the facts about gold will make a huge difference in your wealth over the coming decade...
I learned in medical school, "If you can move, you're alive."
It has stuck with me since. It's one reason I recommend movement as one of the most powerful ways to improve your health.
Everything from burning calories to strengthening muscles and elevating positive moods comes from simple exercise.
You don't need intensive, difficult, or time-consuming exercise to reap the incredible health benefits movement offers.
Today, I want to talk about the easiest exercise in the world – yoga.
People have practiced its many forms for centuries. Even though it's simple, it protects your heart just as well as aerobics.
Yoga grew out of a Hindu religious philosophy of uniting the mind and the body. But yoga as it's practiced today in the U.S. generally leaves out the religious overtones. More often, people use yoga to exercise... as a way to control their breathing, strengthen their core, and stretch their muscles.
Over the past three decades, the research on the health benefits of yoga has piled up. Here are the big four...
1) Yoga reduces stress.
Stress takes a big toll on cells, especially on the protective caps on the ends of your DNA, called telomeres. These caps wear down each time your cells divide, so they disappear as you age. When the telomeres are gone, the cell stops dividing and dies. Stress makes telomeres shrink faster than normal, which leads to a host of age-related diseases.
Yoga protects your telomeres. In a study released last year, researchers studied telomere length in a group of women with higher-than-normal stress levels: breast-cancer survivors. Participants who practiced yoga maintained the length of their telomeres over an eight-week period... while those who only had a one-day seminar on stress had shorter telomeres.
2) Yoga protects your heart.
In a comprehensive review of random-controlled trials published in the European Journal of Preventive Cardiology, researchers analyzed 37 clinical trials that focused on yoga. They found that participants who practiced yoga saw decreases in blood pressure and heart rate equal to the decreases caused by aerobic exercise. The scientists attributed the findings not only to the physical strength yoga builds, but also to the stress-relieving practices it uses.
And another study done at the University of Kansas showed that yoga cuts your risk for atrial fibrillation. This condition is an irregular heartbeat that can lead to strokes and blood clots in the heart.
3) Yoga strengthens the brain.
As we age, our brains lose gray matter – where the clusters of nerve cells live. It's responsible for much of our brain's functions, including muscle control, memory, vision, hearing, emotions, and decision-making.
In a paper published in Frontiers in Human Neuroscience, researchers scanned images of participants' brains. They found significant increases in gray matter in people who practiced yoga. In fact, the more hours a week someone did yoga, the greater the amount of gray matter.
4) Yoga helps arthritis.
Yoga relieves stress on your joints, providing relief from arthritis. In an Indian study from 2001, researchers tested grip strength – a common measure in arthritis studies – before and after yoga. Their participants included people with and without arthritis. After at least two weeks of practicing yoga, both groups saw improvements in grip scores.
And a more recent study in the Journal of Rheumatology introduced yoga to people with either rheumatoid arthritis or osteoarthritis. People from both groups practiced yoga once a week for eight weeks. And both groups saw improved flexibility, physical activity, and walking.
A couple members of my research team go to a yoga class about once a week.
If that's too frequent for you, do what I do: I practice yoga poses at least two to three times per week... and do a yoga group session about twice a month. I also often do what's called Thai yoga therapy... which combines yoga poses and stretching with a type of massage.
If you have never done yoga before, sign up for a class. To make sure you stick with the classes, find a yoga buddy. Or, as my senior analyst Matt Weinschenk suggests, buy a block of yoga classes. Making that kind of commitment makes it harder to come up with excuses to skip class.
Many gyms and yoga studios offer senior-focused practices as well. Instructors design these programs for folks over the age of 50 who may have trouble holding poses for too long or have joint or back problems. You can search for local yoga classes, but don't forget to check your local gyms and senior centers as well.

Editor's note: This week's series was just a small sample of the insights, tips, and "hacks" you'll find each day in Retirement Millionaire Daily. If you're looking for proven ways to save more money... to stay healthy and vibrant long into retirement... and to simply live a more meaningful and fulfilling life, you owe it to yourself to try Retirement Millionaire Daily.
And again, it's totally FREE, so you have absolutely nothing to lose. Click here to sign up now.
New 52-week highs (as of 4/19/16): Aflac (AFL), Anheuser-Busch InBev (BUD), Central Fund of Canada (CEF), Ciner Resources (CINR), Deutsche Bank Gold Double Long Fund (DGP), Dalradian Resources (DNA.TO), Franco-Nevada (FNV), Market Vectors Junior Gold Miners Fund (GDXJ), Johnson & Johnson (JNJ), Kaminak Gold (KAM.V), McDonald's (MCD), 3M (MMM), NovaGold Resources (NG), New Gold (NGD), Nuveen Premium Income Municipal Fund 2 (NPM), Prestige Brands Holdings (PBH), PNC Financial Services – Series P (PNC-PP), Pretium Resources (PVG), Regions Financial – Series B (RF-PB), and Silver Standard Resources (SSRI).
A light day in the mailbag. Are you benefiting from our gold research? Let us know at feedback@stansberryresearch.com.
Regards,
Justin Brill and Dr. David Eifrig
Sea Island, Georgia
April 20, 2016
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