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

Friday, March 13, 2020

Why Do We Still Allow Discrimination in America?


We have several kinds of discrimination in America. Age discrimination, reverse discrimination, and gender discrimination come to mind. As an older American, I have faced age discrimination. Just before I turned 65, my allergist for 5 years, informed me that she was dropping me as a patient due to Medicare. If you are retired and age 65, try to get private health insurance instead of Medicare. You can't. When I went to an urgent care center at age 72 during non-business hours for my doctor, they refused to see me because it was their corporate policy to not treat patients age 70 and older (no explanation given). Now with Coronavirus pandemic, Cruise ships are banning customers 70 and older unless you have a note from your doctor within the 7 days prior to your trip that you are “fit to travel”. Airlines are considering doing the same thing. It is hard enough to get a timely doctor's appointment and will get much worse if doctors are bombarded by elderly travels for such notes. I doubt that Medicare would pay for the costs either, since there would be no existing Medicare “code” for it (without the right “code” submitted by doctors to Medicare, Medicare won't pay for your treatment or drugs). So if you are stopped from flying due to your age, will hotels and rent a car companies refund your prepaid reservation money? Not necessarily as many are not refundable.
Reverse discrimination is pure discrimination and therefore totally disgusting but employed everywhere. If you are the most qualified for college admission or a promotion at work but are White or Asian, a less qualified Black or Hispanic, may be chosen over you to meet racial quotas at colleges and employers. That's not what Martin Luther King fought for. He fought for “No Discrimination”. Today, reverse discrimination has been expanded to gender. Less qualified women will be admitted to colleges or promoted at work over more qualified males to reach gender quotas. People need to “earn” their admission to college and promotions at work.
No one should be discriminated against due to skin color, gender, or age. All discrimination should be illegal. Until it is, America is not living up to its ideals.

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