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.

Blog Archive

Saturday, September 8, 2018

Marriage – Keeping the Romance Alive

Marriage always starts in romance. There's the romantic steps of courtship, the wedding, and the honeymoon. Of necessity, marriage also immediately evolves into a business – income earned, expenses, and yes, profit or loss (savings or debt or break-even). It is important for that marital “business” to be conducted as an equal partnership on major business decisions (housing, cars, furniture, vacations, etc.) and not into a boss-employee type of relationship if the romance is to stay alive. There is no “my money” and “your money”. There is only “our money”.

Most marriages involve the creation of children which is about a 20 year obligation, often more, on each child created. Though not a business, raising children requires a great amount of time, expense, and effort that, depending on how performed, can either enhance romance (which it should) or take away from it (which it shouldn't). Yes, children reduce the amount of private, personal time together for parents, but the love for your children is or should be a love that reinforces your own love for each other as you each, separately and also together, as the need or opportunity rises or is deliberately planned and created, make efforts to attend to your children's needs and aspirations.

Given the business needs and the children needs of marriages, which of necessity consume huge amounts of time, it is easy for romance to take a back seat and/or for “irritations” between husbands and wives to occur. The challenge is to keep the romance alive and thriving. There are many ways to achieve this goal. Here are just a few:

  • Always kiss and/or hug each other when you wake up, go to bed, or leave your home for any reason (work, shopping, etc.). Say the words “I love you” and mean it frequently.

  • Kiss each other for no reason during your waking hours. For example, sometimes when passing by your spouse in your home for any reason, such as something as simple as getting up to go to the kitchen for a bite to eat while watching TV, divert for a few seconds and kiss your spouse and say I love you and mean it.

  • Don't have the time nor inclination for sex every time you go to bed or wake up in the morning (normal), then just hug or hold each other for a few minutes at least a couple of times each week as time permits.

  • Get ticked off at your spouse for whatever reason (going to happen occasionally), remember all the reasons you love him or her, and keep your voice low. May not always work because emotions come out sometimes before the brain kicks in gear, so if on the receiving end of a spousal outburt against you, resist the natural inclination to yell back. Speak softly instead. There is no “winning” of spousal disagreements by dominating or bullying your spouse through yelling. Such actions are a marital loss for both people

  • Small things count too. For example, when walking from the car together to go to a store, restaurant, or movie, take that opportunity to hold each other's hands. Such simple gestures reinforce the romance, as touch is a very powerful sensory feeling.

  • There will be times when you cannot agree on significantly important matters such as what house or car to buy, a child's disciplinary action, important spending and savings decisions, etc.. That is “normal”. There is usually no right or wrong involved in these disagreements. Treat each other's differences with respect and make an effort to understand why your spouse feels the way he/she does. That is much more important than the actual decision ultimately made. Sometimes these disagreements may need to be “tabled” and discussed at a later date when both of you are less emotional.

  • When your spouse is sick or tired or just not feeling right, help out however you can even if it means going beyond what normally has been each other's “chores”. Tell each other you love them. The person being helped should say thank you to their spouse either then or when feeling better.

  • Stay sober, faithful, and (illegal) drug free at all times.

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