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

Monday, February 18, 2019

If I Addressed the United Nations


My fellow delegates, the United Nations consists of 193 member nations representing all the recognized nations on Earth. This is an opportune time to recall the purposes of the United Nations:

  1. To maintain international peace and security, and to that end: to take effective collective measures for the prevention and removal of threats to the peace, and for the suppression of acts of aggression or other breaches of the peace, and to bring about by peaceful means, and in conformity with the principles of justice and international law, adjustment or settlement of international disputes or situations which might lead to a breach of the peace;
  2. To develop friendly relations among nations based on respect for the principle of equal rights and self-determination of peoples, and to take other appropriate measures to strengthen universal peace;
  3. To achieve international co-operation in solving international problems of an economic, social, cultural, or humanitarian character, and in promoting and encouraging respect for human rights and for fundamental freedoms for all without distinction as to race, sex, language, or religion; and
  4. To be a center for harmonizing the actions of nations in the attainment of these common ends.
All UN member nations signed onto these goals when joining the UN. However, any honest evaluation of the state of the world today, almost 75 years after the UN was created, would conclude that these original UN goals have not yet been achieved on a world wide basis. We have ongoing wars, conflicts, and terrorism. Respect for human rights and fundamental freedoms for all without distinction as to race, sex, language, or religion are still lacking in many nations today.

How can we make this world a much better place for all human beings and achieve our UN goals? First, let's start with the commonality of all the 7 billion people in the world. Too often, we see each other as different by skin color, by facial differences, by language, and by nationality. However, science has proven that all 7 billion people on Earth are one and the same human species. Also, all of us can be traced back to originating from Africa. Humans have several common blood types common across all nations and can help save other humans who are medically distressed, no matter their skin color or facial features, through human blood transfusions and organ transplants. If our skin colors or facial features designated different species of humans, this would not be possible. Bottom Line – we are all the same ONE human family. It greatly behooves us to recognize that fact and therefore consider every human being on Earth as our family member.

Next, let us examine the history of human wars. Why did they occur? Two different reasons stand out:

The first reason for wars is “control and power”. Often, kings and dictators not only wanted to totally control the people of their own nation, they also wanted to expand their “empire” to include other nations and territories. They were willing to go to war, killing thousands, and even millions of people, to achieve their often insatiable “power” cravings.

The second reason for wars has been religion. Religious leaders believed that their religion was the only true religion and all people who believed different must be forcibly converted to their religion or killed if they refused. In many ways, religious wars are just a subset of the first reason for wars – power and control.

Today, those same horrible traits still exist.

Nations still squabble over territory and are trying to expand their borders. As an example, China captured the free nation of Tibet in the 1950s, and today is illegally building man made islands in the China Sea on the internationally recognized territory of other nations. Why? Because so much of the international shipping traffic utilizes that sea way and China wants to control and profit from it.

A sizable percentage of Muslims want to forcibly convert the world to their religion or kill the non-believers. The result has been wars and terrorism. Even some peaceful Muslim nations are unwilling to give women the same freedoms of men, treating them as a lower form of human being compared to men. All this, despite the fact, that Muslims also believe in the old and new Testaments and therefore the 10 Commandments. One of those Commandments is “Thou Shalt Not Kill”. 4 very simple to understand words. “Thou shalt” - stands for you and me. “Not” - something that we must not do. “Kill” - one word, so that their can be no ambiguity about its meaning. Since Muslims, Christians, and Jews all believe firmly that God makes no mistakes – their can be no debate that wars and terrorist acts violate this most sacred of God's commandments.

Thousands of years of human history – and we are still struggling with the same problems causing wars, misery, and conflict. Think how much better this world would be for all of us if we could only learn from our past and achieve the goals in our UN Charter. Without wars and conflict, the world would be a richer place. A great and relatively recent historical example exists from which we can learn much.

World War 2 resulted in an astounding and totally unacceptable 70 million people killed. The destruction of cities and nations during that war was enormous. Why did it happen? Power and Control. Germany and Japan wanted more land and natural resources, regarded other people as inferior, and were willing to start a war to achieve their goals through military means. Fortunately, both Germany and Japan, lost World War 2. Their nations endured enormous military destruction.
However, the ultimate lesson here is to look at those two nations today. Living in peace for over 70 years and without the territories they had sought to capture and control during World War 2, Germany and Japan are among the wealthiest nations in the world. Their people enjoy both freedom and a very high standard of living.

In other words, war and conflict make nations, especially the aggressor nations poorer and much worse off. Peace and freedom does the opposite – making those nations and their people wealthy with a high standard of living for their people. It also makes the other nations on Earth, not having suffering the cruelty and destruction of war, wealthier too.

Therefore, achieving the worthy goals on the UN Charter, is the only logical and historically accurate means of achieving national wealth and well being for their people. That leaves us with one last question – Are we, the nations of the Earth, the bastions of so called intelligent life on earth, smart enough to learn that simple lesson so that we can improve the lives of all human beings?

Tuesday, February 12, 2019

Middle Class Wages Have Not Been Stagnant for Decades


Enough of these lies about middle class wages being stagnant for 30 years. It's the idiotic method of comparison that yields these false conclusions. If a middle class person climbs to upper middle class or wealthy, that's a great improvement for that person. However, in the calculations utilized, that former middle class person is counted as always upper middle class or always wealthy so that his/her gain is never recorded as a middle class gain. That's just plain stupid and wrong. In the last 35 years, the upper middle class has more than doubled rising from 12.9% of the population to 29%, while the wealthy have risen from .1% of the population to 1.8% or a gain of 18 times. Where did these people come from? They could only come from the poor and middle classes. See links -

http://money.cnn.com/.../upper-middle-class/index.html– Good comparison over time of the population growth of the upper middle class and rich populations.
http://www.davidkotter.com/.../great-news-the-middle.../The middle class declined over 50% as a percentage of the population, while the percentage of poor remained the same. Shows where they went (can only go up).