I’ve had a four and a half hour session with Billy Duncan, an Ameriprise Financial Planner whom I’ve known about ten years.  My budget is difficult, partly because my covered call income is not highly predictable as is dividend or interest income.  Also, I have some personal expenses that I find it hard to cut,…

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We are in the Innovation Age and we must innovate in government toward lessgovernment.  Regulations and laws complicate life and inhibit the free market.  We need dynamic regulations that are market-based and don’t vary unless definitely warranted. I am very worried about President Obama and the Democrats and their unyielding stance to defend the indefensible,…

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Support of one or more charities is a very important part of life for those who have time or money to share.  That role shouldn’t be the last thing on one’s list of responsibilities, but, rather, high on that list.  Dan Pallotta’s 2009 book Uncharitable shows that the public applies different criteria to charities and for-profit enterprises,…

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I’m worried about my own prediction, because I really believed all along that it was true that the reelection of President Obama would lead to a worldwide depression.  If the President listens to reason and is responsible about tackling all our fiscal problems, the things I said on this website about the debacle may be…

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I bought, wrote and decided how much money to put in each Christmas card.  I cut back fifty percent from what I had intended to give because I am not confident about my financial future or that of our nation and world. We need leadership in Washington, and we also are in great need of…

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Never in the history of our country has the House of Representatives been so important as it is now, and for at least the next two years. The American people should listen (in an unfiltered manner) to what the Republicans in the House have to say over this historic period.There is a lot of noise…

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There are good habits and bad habits and all of them can be changed.  To break bad habits such as alcohol or drug addiction, overeating and so forth is not easy, but it is possible, “,,, for God all things are possible.”  And, “God is Love.”  Also, He loves with an enduring, steadfast love, so…

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To my fellow Republicans and all Americans:During this past election, we Republicans shot ourselves in the foot in two key areas and paid a terrible price as a party.  As a result, Americans in general, and most likely the whole world, will suffer.Those areas (which were greatly exaggerated by the Democrats and liberal mainstream media) were…

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We are at the beginning  of the beginning.  My calling is calling, not to dwell on what was or is, but rather what can be.  We can have peace and security, freedom,  democracies, prosperity,  gender harmony, spiritual harmony, racial harmony, ecological harmony, and health, as well as moral purpose and meaning, because God loves each…

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On November 6, 2012, Americans participate in our robust and stable democracy. But our prosperity has been unusually weak for four long years. I predict that the reelection of President Obama will lead to a worldwide depression (See my Home Page and my review of The Debt Bomb). I call on all who agree with the…

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