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

Sunday, January 29, 2023

America's Federal Debt as of January 2023

 Americans have heard so often about the high level of Federal debt being a serious threat to our Economy, but nothing has happened yet, that they've seemingly become immune to it. Take a look at these facts:

1. It took 224 years to reach 5 trillion dollars in Federal debt in the year 2,000.
2. It only took 8 more years to add another 5 trillion dollars to Federal debt, thus doubling it in 2008. (Bush Administration).
3. Next, just 8 years later during the Obama Administration, an additional 10 trillion dollars was added to Federal debt thus doubling it again in 2016 to 20 trillion dollars.
4. 6 years later, another 11 trillion dollars has been added to the Federal debt bringing it to 31 trillion dollars!! That works out to $95,000 worth of debt for each man, woman, and child in America or $380,000 for a family of four.
5. The current Federal Budget has 2 trillion dollars in additional spending than the recent pre-Covid budget of 2019. We need to get back to the 2019 budget, and then find more spending cuts to avoid Economic disaster!!

https://www.thebalancemoney.com/national-debt-by-year-compared-to-gdp-and-major-events-3306287

Sunday, January 15, 2023

Democrats and Electric Cars

Democrats want you to buy electric cars instead of gas powered cars and have been creating laws that essentially ban gas powered new cars in the future. The average price for a brand new EV is about $55,000. That’s considerably higher than the average four-door sedan, which runs about $35,000, according to Kelly Blue Book. Most Americans cannot afford the price of an electric car. Are you going to let Democrats drive you into poverty? Remember that when you cast your vote in future elections.

A Loving and Merciful God – True or False?

 One of the teachings of my 12 years of Catholic parochial school was that God is loving and merciful. I would love to believe that, but the evidence seems to suggest the opposite when it comes to mercy and that is really scary!!. Examples include:

1. God had no mercy for his son Jesus being tortured and cruelly crucified. If God had no mercy for his Son, what makes you think he has mercy for us mere human beings?

2. 10 million people died in World War 1. A little over 20 years later an incredible 70 million people died in World War 2. Millions of others were wounded with many carrying life time disabilities and/or pain afterwards. Plus there have been many wars throughout human history right up to today. Why doesn't God, in his mercy, stop them?

3. Where is God's mercy for the millions of people suffering now and in the past from cancer, paralysis, blindness, deafness, physical and mental disabilities, and other horrific diseases?

4. God's punishment for dying in sin is eternal hell cruelty. Think about that for a moment. Imagine being punished for 100 trillion years. Think of how incredibly long that is to be excruciatingly punished. Now imagine the punishment of 100 trillion years being repeated 100 trillion times!! And the punishment is still not done!! Where is God's mercy?

5. Yet God made us to be imperfect. Everyone sins in his life – no exceptions per the Bible (“He who is without sin cast the first stone”). Per my Catholic school teachings, if a very kind, generous, and obedient person commits a “mortal” sin and suddenly and instantly dies, say of a heart attack, leaving him no time to confess his sorrow for sinning, that person goes to hell for eternity. Also, if a person who lived a horrible life, sinning many times including multiple cases of robbery and murder, gets sick and slowly dies over weeks and/or months, thus giving him time to think about his sins, confess truthfully that he is sorry, and sincerely asks for forgiveness before he dies, he goes to heaven. Is that fair? Is that merciful to the person who lived a long and good life and sinned once just before he suddenly died?