With the 50th anniversary of the 1963 MLK March and "I have a dream" speech, numerous articles are appearing that the job isn't finished, blacks are trapped in poverty, and more help is needed to raise the standard of living for black people. What utter nonsense! Blacks are NOT trapped into poverty! Blacks have every opportunity to succeed today and for the last 20-30 years but too many blacks throw those opportunities away. It starts with the disintegration of black families (3 out of 4 black children are born to single parent households). That's a choice, not a trap! Too many blacks fail to get a good free public education by either dropping out or not trying to learn much if they stay in school despite the fact that we pay up to $20,000 per year per student in black urban areas on education or double the national average. Again that's a choice, and also a failure of family parenting, not a trap. Black crime rates are up to 8 times higher than the national average. Again that is a choice, plus a result of the first two points I made, not a trap. Blacks live in a free nation where they are free to make bad decisions. Way too many blacks make bad decisions. The ones that don't, that is the ones that actually try, who study hard, get an education, and work hard, generally succeed. The blacks (and whites) who don't try to earn their way out of poverty generally live in poverty. Again, that was their choice. Don't falsely blame anyone else, nor unfounded 'universal' racial discrimination claims, nor history for that outcome. Take personal responsibility, study and work hard, and change your life for the better! Otherwise, stop complaining because no one will nor should listen!
Getting it Right - Welcome
The goal of this blog is to publish my thoughts on a variety of economic and political topics in the hopes that people who find them educational or beneficial will utilize them and/or forward to others who might find them interesting and/or worthwhile to promote to others, possibly including politicians who can push some of these ideas to fruition. The topics in my blog are meant to be of value on a long term basis, not a daily diary or political issue of the day log. If the information posted is useful to you, by all means utilize it and/or forward it as you see fit. If not useful, then merely ignore it. There are no universally agreed upon truisms and too little tolerance between some of those with opposing viewpoints to successfully convince the people with hardened opinions to move away from them. I am an analytical type person who will try to be as factual as I am able.
I disdain the current popularity of name calling and condemnation of viewpoints with no factual alternatives or logical solutions given that I see so often. If you don't have a solution based on fact and logic, then opt out of the discussion because you have nothing to contribute. My background is a degree in Economics from the University of Michigan and 39 years working in middle management jobs for a major retailer. My opinions are forged on the personal experence of life, family, friends, and work as well as triumphs and mistakes that I have made and hopefully learned from. My hope is that this blog helps you.
My first topic will be about personal finance. I chose that one first because most of us work long and hard just to survive but not all of us realize our dreams of becoming financially independent from the labors of our work. Much of our political votes/thinking also focus on the economy and in particular how well we are personally doing financially.
It is relatively simple, without sacrificing the enjoyment of living for 'today' and even at moderate incomes, to retire as a millionaire or multi-millionaire, if you focus on that goal consistently from a young age. It is also simple to ensure that your child or grandchild retires rich. It merely requires a one time gift of just $2,000 invested wisely and the passage of time. Please read my first post on this blog to learn more.
An index/schedule of past and future posts and their dates will always be updated so that it becomes the first post that you see below. If the date of a post that you wish to read is preceded by the word "Posted", then find it below or click on the title in the Blog archive to review.
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