Remember that averages are meaningless in planning your future.  Are you going to live the average life span?  Is your retirement account average - $143,000?  Do you expect to receive the average social Security check - $1077.00?  
Remember also that most of what the pundits,financial planners and investment advisors call “investments” are actually speculations.
Benjamin Graham, the Dean [...]

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No matter what President Obama says and regardless of his eloquence saying it, it would be a dire mistake, completely lacking in common sense, wisdom, and - mostly - regard for the US Constitution, for “We the People” to allow or accept any health care or health insurance program created by the US Congress and [...]

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In May of 2008 this blog awakened its readers to an idea that is now being recognized after decades of being dismissed.  Fact is, if you had followed this practice through the ’80s and ’90s you would be well ahead of those that followed conventional wisdom.
Jeffrey Kosnett only implies the power, flexibility, and versatility of whole life insurance [...]

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“The Ghost of Christmas Yet to Cometakes the form of a grim spectre, robed in black, who does not speak and whose body is entirely hidden except for one pointing hand. This spirit frightens Scrooge more than the others, and harrows him with a vision of a future Christmas with the Cratchit family bereft of [...]

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“What we’ve got here is failure to communicate.”  Cool Hand Luke, 1967

The US Congress and the Executive Branch of the US government are not listening to America.  America wants “soulutions” to problems not government take-overs.
Put this simple diagram of a Universal Health Care Program, which is being ignored in DC, in the hands of every [...]

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Knowledge, understanding, and wisdom are complimentary and synergistic.  However, it should be clear that only wisdom embodies the qualities of all three.  It is possible to have an abundance of knowledge, deep understanding, and a complete lack of wisdom.
NAZI Germany (and successors totalitarian governments around the world today) demonstrated this gap most shockingly when it applied knowledge of what is [...]

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Dennis Prager recently commented that he has been carrying American values around in his pocket for his entire adult life.  To clarify he reminded his audience that those values appear on the coins and currency of the United States: Liberty, E Pluribus Unum, In God We Trust.  He referred to these values as the American Trinity.
These observations seem [...]

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